Buying Car Insurance for the First Time

first time car insurance

Buying Car Insurance for the First Time

Finding the right auto insurance policy as a first-time buyer can be difficult, as you may not be familiar with the insurance types, rates, and coverage benefits. Here is a brief guide that will help you understand the process and save money when buying car insurance for the first time.

How Do I Get Insurance for My First Car?

Before you approach an insurance agency, you need to keep a set of documents ready for the paperwork, including:

  1. Driver’s license
  2. Address and age proof
  3. Driving history
  4. Occupation
  5. Vehicle details and associated paperwork

Your driving history (from the DMV), location, and some other factors can affect the insurance premium. For example, sometimes, red cars are charged a higher premium as compared to other colors. New drivers are charged more because they lack driving experience, which makes them more likely to be involved in accidents. Similarly, since the rate of theft and vandalism in cities is higher than in rural areas, car owners in the city have to pay a higher premium.

How Much Is Car Insurance for a First-time Buyer?

On average, in the US, a new car owner pays around $4500 as yearly insurance, while someone with 15 years of experience pays only about $1400. This rate varies with insurance agencies and other factors, as mentioned above.

How Can I Get Cheaper Insurance?

Follow these steps to get cheaper car insurance:

  1. Explore several insurance agencies and compare their insurance quotes.
  2. Determine the exact coverage you need (body injury liability, collision, etc.) and don’t buy unnecessary protection.
  3. Improve your credit score to get cheaper insurance.

These things will help you get the right car insurance. If you have any additional questions about auto insurance, contact the experts at Club Agency Insurance Brokerage in Garden City, New York. We are ready to assist you with all your insurance needs today.



COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time. Contact us today!Executive Order for Policyholder Payments