How to Buy Car Insurance

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Here's what you need to know...
  • There are a number of ways to buy insurance and a number of ways that you can save on your coverage
  • For smart insurance buyers, the process starts long before they even think about purchasing a car
  • Know how much coverage you need as well as what discounts you may qualify for on your policies


If you are wondering how to buy car insurance, you are not alone. A lot of young people are buying car insurance for the first time and are wondering how to go about doing it.

Start by entering your zip code and comparing online car insurance quotes!

Start with Statistics

Car insurance rates are based on statistics. Factors such as where you live and your driving record all play key roles into the rates you will be given.

Some other things that matter include:

  • The type of car you
  • The unique car features
  • Age of driver

You may want to check some prices on insurance if you are debating between a few different types of cars. You might be surprised at how much your rates can fluctuate.

Requirements by Law

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You can pick up your phone and contact an insurance company, or you can go online to get a price quote. However, there are a few things you may want to know before you pick up the phone or key in your information online.

First, know that almost every state in the country requires the owner of a car to have an insurance policy. The amount of coverage required will vary from state to state.

Next, understand that there are different types of car insurance policies.

  • Liability insurance covers you if you are at fault for an accident and pays for people’s cars and medical bills. Liability coverage is the most important part of your coverage, so pay attention when you are discussing this with your agent.
  • Collision coverage protects you financially and can help get your car repaired no matter who was to blame. If you are getting a brand new car, most lenders will require this type of coverage along with liability.
  • Comprehensive coverage protects your car from hail, flooding, fires, and theft.
  • Personal injury protection covers you and your passenger’s hospital bills that result from an accident.

Figure out what you want by talking to an agent and remember to read the fine print before signing the contract.

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Discounts for Insurance Policies

If the cost of all of that insurance coverage is stressing you out, start looking into discounts:

  • If you are a student there may be a good student discount which reduces premiums based on your GPA.
  • You can also get discounts for safety and anti-theft devices installed on your car, as well as discounts for a good credit score.

When in doubt, ask your insurance agent about discounts.

One of the best ways to save money on your car insurance is to go online and compare policies and rates.

Figuring out how much coverage you need is a personal matter. It will depend on your type of car and your budget, as well as many other factors.

Start comparing car insurance rates by entering your zip code into our FREE tool right now!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

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