How to Get Car Insurance for the First Time

by Contributor ; Updated July 27, 2017

Purchasing a car for the first time is very exciting for the new owner. In fact, it is often a dream come true. However, with certain dreams come responsibilities and one of these is securing adequate car insurance. In this article, we will discuss how to choose car insurance for the first time. Are you ready? Let's begin.

Step 1

Understand the importance of automobile insurance. The law requires each car that is driven on streets in the United States to be insured with liability insurance. Liability Insurance protects other drivers from car accidents, but it does not protect the driver and the car that hit them. Since liability insurance is not an option but a requirement, then do yourself a favor and insure your car before you put it on the streets.

Step 2

Be an informed consumer. When you began looking for your car, you were probably an educated consumer because you researched information about buying a car, so keep researching and find out about car insurances. Research insurance companies by getting quotes for the amount of coverage that you will need to properly insure your car. You will find that different insurances companies charge different amounts for the same kind of premium. By being well informed you will get the best insurance coverage for your money.

Step 3

Ask friends and family members for a referral. Since everyone needs insurance, you should make it a point to ask friends and family members for a referral to an insurance company they trust. After all, word of mouth is the best form of a referral for any service as long as the person referring you is reliable.

Step 4

Go online. Another option is to go online to find quality insurance. One site that allows you to compare insurance rates is Here, they offer a variety of different insurance companies for consumers like you.

Step 5

Talk to your existing insurance agent. You can call and talk to your existing agent or find a new agent. Either way, you will want to inquire about rates for comparative vehicles, whether discounts are offered for more than one type of insurance and payment terms. Make sure to obtain comparisons of companies before purchasing insurance for your car. If price is a concern, you may want to have higher deductibles to lower monthly premiums.

Step 6

Plan for your insurance premium. Don't purchase a car unless you are prepared financially to get the car insured, as well as keep the insurance payment current. After all, you will have to cover these added costs in addition to your car note.

Step 7

In closing, purchasing car insurance for the first time take a bit of time and effort, but it is well worth the effort. By following our recommended steps, you will obtain a great policy for a great price.