How to Get Car Insurance for the First Time

How do I get car insurance for the first time? If you are asking this question, that means that you are probably a young adult who is eager to get his or her first automobile. I strongly recommend you read through this article for instructions on how to get your first car insurance.

How to Get Car Insurance for the First Time

According to reports, the average cost of a minimum coverage policy for an 18-year-old driver is about $3,454 per year. While a 30-year-old is expected to pay about $1,118 per year.  As a first-time driver, you can easily search for insurance online or even through a sole agent who has easy access to the rates from different companies.

But this process can be daunting and even time-consuming. This is mainly because there are wide ranges of car insurance quotes to choose from. However, this issue is one that you can handle as this article will help you with all the necessary information you need on how to get car insurance for the first time.

Is a Car Insurance Worth It?

Yes, car insurance is worth it, especially for first-time drivers. In most parts of the world, you are required to get car insurance first before actually owning the automobile. But in other states,  it is mandatory to get car insurance before driving around the state. You might be really excited to get a new car but the truth owns a car can be really expensive and there are certain things that you need to take care of. Getting car insurance is one of those things.

But car insurance can also save you from incurring more expenses as it provides you, and your vehicle with a wide range of coverages. For instance, if your car gets damaged while trying to learn how to drive, your car insurance policy will help in the repair of the car. Or you can purchase a new one using your policy.

What are the Types Of Car Insurance?

Before you can go about saying you would like to get car insurance, it is important for you to know the types of car insurance that exist. The type of car insurance often includes:

Collision Insurance

This is insurance coverage that pays for the damages done to your car from an accident. This insurance is let out regardless of whether it’s your fault or it isn’t. Also, this insurance pays for damages done if you hit a different object like a guardrail. Collision insurance actually comes with a deductible. This insurance is optional unless you actually finance your car.

Liability Insurance

On the other hand, this insurance will pay for the damages that you cause to another person’s property, car, or even a fence. This also pays for the injuries that you cause to another person involved in an accident and also for the legal defense costs if you have been sued after an accident. With this insurance, you can choose the minimum that I required for you to drive legally in your state or even a higher amount. However, the Liability insurance does not cover the damages done to your car.

Comprehensive Insurance

This insurance coverage comes with a deductible and also protects your car in any case. It is also optional if you do not desire it.  This insurance coverage pays for damages done by fire, vandalism, falling objects, hail, flooding, and theft if you hit an animal. It will actually pay up to the actual cash value of your car if the car is totaled.

Other Types of Auto Insurance

Meanwhile, there are other forms of insurance coverage that you can get but it depends on your state laws. If your state laws guarantee it, you may be required to buy additional coverage like uninsured motorist coverage or even personal injury protection. We advise, that you shop for car insurance before you actually buy a car. This is very important as you might not actually get the car you want if you do not have car insurance yet.

What Do I Need To Get Car Insurance?

These rigid laws stated that you need to have proof of insurance before you can even take the car back home with you. So, you should be getting ready on shopping for car insurance. But what do you need to get car insurance for the first time? These are the things that you will need to get car insurance:

  • Driver’s license numbers
  • Date of birth
  • Your home address or the garaging address of the car
  • The safe driving courses you completed
  • How much liability car insurance do you want
  • Verification identification number
  • Grades for the student drivers
  • Date of birth
  • Name
  • Social security number
  • Occupation
  • Driving history
  • Contact information
  • Marital status
  • Education history or grades
  • Model, year, and vehicle identification number of the car you want to insure

You simply have to provide them with every information or detail that they require from you. This helps the company provide the best car insurance policy for you.

How Do I Get Car Insurance Before Buying A Car?

To get car insurance for the first time before purchasing a car, firstly, you need to search online for the best insurance company to get a quote from. Then, ensure to compare the rates different two or more companies. Once you’ve found the right company, the insurance company will require you to first provide your car’s vehicle identification number before you can buy a policy.

However, it is quite possible for you to get a quote from most insurance companies by first presenting the VIN. The only thing you will need to do is to provide the model, the make, and the year of the car that you are planning to purchase.

Once you have the car you wish to buy already chosen, you can just contact the insurance company you choose to provide the VIN and even pay for your policy.  Now, if you plan to occasionally drive someone else’s car instead of purchasing your own car, you can easily buy ‘Nonowner Car Insurance. This insurance is a kind of policy that can protect you with all needed finances if you are involved in an accident or you caused an accident. It, however, won’t pay for single damage done to the vehicle you are driving.

How Much Does A First Time Car Insurance Cost?

The cost at which first-time insurance costs carries greatly from others and also depends on your age.  Still, the cost for first-time car insurance for n 18-year-old cost about $288 per month for just a minimum coverage policy.  The cost for that of an 18-year-old actually cost about $195 per month more than the cost of a 30-year-old driver paying for the same policy.

Where Can I Get Car Insurance From?

There are tons of amazing companies that offer the best car insurance coverage to all first-time drivers. They are highly detailed and strive to provide the best financial coverage to their interested member and be of financial assistance if needed. Some of the best insurance companies include:

  • State Farm
  • Progressive,
  • Geico
  • Allstate
  • Nationwide
  • Travelers
  • Erie Insurance, etc.

How Do I Get Car Insurance For The First Time?

If you are ready to get car insurance before you can finally drive your car home, there are pretty easy steps for you to follow.  All you need to do is to:

  • You can start by comparing quotes after you look at the quotes from different companies that offer the same type of coverage.
  • Or compare the coverage amounts, the deductibles, and any other details.
  • Next, you can get a legal policy. You should also verify that the insurance that you select actually meets the insurance requirements of your state.
  • Also, confirm if your insurer is the type that gives discounts to student drivers with good grades.
  • Then, you need to decide on the type of insurance you must have and what coverage you need before you do the shopping. This will greatly help you stick with your budget.
  • Finally, you need to read through the whole policy to ensure you are getting the best. This is because while an insurer might be really good in one area, he might flop greatly in another. This is very important so you won’t be sacrificing anything of great importance.


You can also do more research on the insurance companies you know, and compare the coverage rates. Then, select the one that best suits your needs. When it’s time to get car insurance, you only have to follow through with what the companies want and provide the necessary documents.

 Also Check Out: 5 Ways to Lower Your Car Insurance Cost