How to Get Car Insurance When You Buy a New Car

Car insurance is an unavoidable part of owning a car. Everyone needs to have some kind of insurance when driving on the road. If you get caught without it, you could face jail time and/or a hefty fine. 

However, finding the best deal on car insurance can be confusing. If you've just bought a new car and have a lot of questions surrounding insurance, you're not alone. There are a lot of insurance companies and policy options available, which can make choosing the right one difficult. 

There are a few factors you'll have to consider when purchasing new car insurance. We'll explain exactly how to get car insurance, including finding the best quotes, rough cost estimates, and a general timeline of the process. 

Why Do You Need to Get Car Insurance?

Besides being required by law in most states, having car insurance has a lot of benefits. Most importantly, it provides protection from expensive costs related to accidents. Full-coverage car insurance will cover losses, damage to vehicles and property, and other people's medical bills resulting from the collision. 

Most people buying a new car should go with a full-coverage insurance policy. This type of policy ensures that you're completely covered for all accident-related costs, as collisions can easily cost thousands of dollars in damages. If you lease or finance your car, the dealership may have specific insurance requirements, as they want to make sure that the vehicle is fully covered in case you total your car. 


How Soon Can You Get Car Insurance?

Most companies offer same-day insurance, so you can get proof of coverage immediately after you buy the policy. Some dealers may require proof of insurance before you drive off the lot, so you'll need to call your insurance company and set up coverage. You can also set up insurance ahead of time if you already know the vehicle identification number. 

It's a good idea to figure out your insurance plans before you head to the dealership. With a little research, you can feel confident you've chosen the right policy at the best price. If you're rushing at the dealership to set up a policy so you can drive off with your new car, chances are high that you may not choose the best option. It's a good idea to take your time to pick out the policy that works best for you.

When should your insurance policy start? If you're planning to buy a new car in the near future, you may wonder when you should start your insurance policy. While you can find a policy that suits your situation ahead of time, you should start the policy on the date you buy your car. 

How Much Does Car Insurance Cost?

In general, new cars will cost more to insure than older used cars because they're worth more. If you get into a wreck and total your car, it will cost more to replace a new model than one that's five years old. 

However, car insurance costs vary depending on a few different factors, including the make/model, the kind of coverage you purchase, and your driving history. The actual policy costs will vary based on the company. Some insurance companies may price policies higher than others. 

The average price for full auto coverage in the US amounts to $144 per month. However, this price varies greatly depending on the state, driver, and vehicle. You should be sure to shop around for the best quotes. Additionally, some insurance companies offer discounts for things like a good driving history. You should look into any discounts that insurance companies offer to see if you qualify. 


How Do You Get Auto Insurance?

Buying auto insurance for a new car is a requirement, as it protects you and other drivers on the road. However, finding the best deal and the right coverage for your new car may feel challenging. There are a lot of different options available, which is why it's important to shop around for insurance quotes. 

The first step to getting insurance coverage for your new car is research. You'll need to search online or call an agent for accurate quotes from multiple insurance companies. If you haven't purchased your car yet, you can still get an accurate quote. The only information you need is the make, model, and year. The actual price might vary slightly depending on other factors, but these rough estimates will give you a comparison of your available options.

Once you know the exact car you are purchasing, you'll need the vehicle identification number, your driver's license number (and the numbers of those who you would like to include in the policy), and your home address. With this information, you'll be able to apply over the phone or online for a policy. After you've paid for the insurance policy, the company will provide you with proof of insurance. Usually, this process is super quick, so you'll have coverage immediately.

The process for obtaining insurance for your new car is quick and easy. You can even get same-day coverage for your new car. However, finding the cheapest price for the coverage you need may take time and research. There are a lot of different insurance options out there, so you'll need to compare multiple quotes from various insurance companies to determine the right choice for your situation. Once you have a quote, you'll need to purchase your car to apply for a policy. If you're ready to start shopping for a new car, get in touch with our team for any questions you may have during the car-buying process.