Tops tips to guide first time auto insurance buyers


This is an exciting time in your life, your first car and your first license. Now you will become a first time auto insurance buyer, so, where do you begin buying auto insurance? What coverage do you need to have? How much do you need to have? Will your age affect your rate? Where do you purchase auto insurance? Look below for some top tips to help guide you on your auto insurance quest.

First, you will need to know how much coverage you need and how much you MUST have. Every country and state has their own set of rules governing auto insurance. Whether you even need auto insurance, and how much minimum coverage you will be required to have before you are allowed on the road will depend on where you live. So it is best to call up local offices and get the information regarding this. Even if your location does not require you to have auto insurance, although most will, it is best to still have a small amount of auto insurance in the case of an accident.

Now that you know what you need to purchase, look around. Don’t pick the first one you hear about, there could be a company out there that will give you more benefits and larger coverage for a lower cost. Research all the companies that sell auto insurance in your town and see what they are offering for you given your situation. Provide them as many details as you feel comfortable with and see what they can quote you.

Go on the internet, you will find a wealth of information to help you as well as several sites that offer the ability to compare companies side by side to see which will give you the most for your money. If you’re just looking for the least coverage for the least cost; looking online will help you with that too. Also, getting a quote online is very convient and quick. It will save you a lot of time going back and forth insurance offices or scanning your phone book, looking for agents. With online quoting systems, you will get an exact quote fast and all your benefits will be listed there plain and simple, and you will receive fast responses to your questions or concerns.

Being a first time auto insurance buyer, you are possibly also young. So you might be wondering if your age and lack of driving experience will affect you rates. Sadly, the answer is yes. Insurance companies like to know they can count on you being a safe driver, so that they themselves save money. Without a driving history or record, there is nothing for them to base their judgement on you from and so they will more then likely charge you more. There is also a stigmatism against young drivers that they are less reliable, more impulsive, more easily distracted, and therefore more likely to get involved into a collision. So, my best tip to the young driver is to again, shop around. See how each company treats young drivers and if they will judge you too harshly for your age.

Once you have done all the work involved in finding the company you wish to go with, you can simply apply online, call them up and speak with one of their agents, or drop into their local office to sign an application for auto insurance there. Good luck first time auto insurance buyers!