Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • You can purchase car insurance if you’ve never had a policy before
  • A comparison tool can help you find the right policy
  • Once you have found your perfect policy, you can purchase it online

Are you a new driver who is thinking about getting car insurance for the first time for your new or new-to-you vehicle? At this stage, you may have many unanswered questions and feel overwhelmed, but the process of acquiring car insurance for the first time is easy.

To start the process, simply utilize the services of a car insurance comparison tool. It will help you locate your first car insurance policy. Enter your zip code above to get started.

First Things to Know: Types of Car Insurance

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Before you purchase car insurance, you should understand the basic types of policies and who they benefit.

  • State Minimum Car Insurance – If you purchased your first car in cash and it’s not worth very much, you might want to consider state minimum car insurance. This is the least amount of coverage you can purchase and still be legal to drive.
  • Collision Car Insurance – Collision car insurance is often required if you owe money to a financial institution for your new car. You may also want collision insurance if your car is worth several thousand dollars but is paid off. This insurance policy pays for the damages to the policyholder’s vehicle even if they caused the accident.
  • Comprehensive Car Insurance – Comprehensive car insurance pays for damage to your car that is not the result of a car accident. Common items covered under comprehensive include fire, theft, vandalism and certain weather-related damage.

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Deductibles

If you are thinking about purchasing a vehicle and car insurance to go with that vehicle, you have probably heard the term deductible in conjunction with car insurance. Deductibles typically apply to the collision portion of your insurance coverage.

  • Taking Responsibility – Because you caused the damage to your vehicle, many car insurance carriers want you to be liable for part of the repair or replacement bill. Typical deductibles range from $100 to $1,000 but may be higher or lower.
  • Your Monthly Premium – You deductible can have an impact on your monthly premium. If you choose a low deductible, your monthly car insurance costs would be higher than someone who chose a high deductible.

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Choosing Between Car Insurance Policies

Car insurance is designed to protect you against financial loss in the event that you are involved in a car accident. Choosing the right car insurance policy will depend on how much you drive, the value of your car and your financial situation.

  • Car Loan– If you purchased your car with a loan from a financial institution, you will most likely be required to carry comprehensive, liability and collision coverage.
  • Purchased Your Car In Cash – If you purchased your car in cash, you do not have to worry about any requirements other than those imposed by your specific state. In this instance, you are free to choose the policy that best meets your needs.
  • When to Choose Full Coverage – In general, you may want to consider a full coverage policy, which includes comprehensive, collision and liability, if your car is worth several thousand dollars or you don’t have the money to fully pay for any car accident-related repairs or the replacement of your vehicle.
  • When to Choose Liability – If your car is only worth a few hundred dollars, you may want to consider a liability only policy. These policies are designed to repair the other driver’s vehicle, not your vehicle, but they are less expensive than a full coverage policy.
  • When to Choose State Minimum – If you are low on funds, you may simply want to choose a state minimum insurance policy until your financial situation improves. However, you may not be fully protected in a severe accident.

How to Purchase Car Insurance for the First Time

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You can purchase car insurance for the first time by following these handy steps.

  1. Decide on the Right Coverage for You – Before you purchase a car insurance policy, decide how much or how little coverage you need.
  2. Use a Car Insurance Comparison Tool – Once you understand what you want in your car insurance policy, go ahead and put your information into a car insurance comparison tool. Just remember to be as honest as possible.
  3. Read the Available Policies – After the car insurance comparison tool returns all the results, read through each policy and look at the total and monthly costs.
  4. Choose a Policy – Choose the policy that best meets for driving needs and financial ability.
  5. Purchase the Policy – Purchase your new car insurance policy directly online. It’s easy, fast and convenient.
  6. Print Your Information – Print out your insurance cards and your policy information. Don’t forget to check to see when your policy becomes valid.

If you’ve never had car insurance before, you can purchase car insurance for the first time by using a comparison tool. This tool will help you find the best policy for the best rates so that you can drive legally.

Just remember to purchase your new car insurance before driving your new car. Begin comparing coverage options right now!