First Time: Buying Car Insurance

Pays for repairs to your car if you hit another vehicle or object, regardless of who is at fault.

Any past accidents, violations, or claims from the last few years. 2. Choose Your Coverage Type

Buying car insurance for the first time is a critical step in car ownership, especially since you typically cannot drive a new or used vehicle home from a dealership without proof of coverage. 1. Gather Your Information

While some insurers offer a "grace period" (7 to 30 days) to add a car to an existing policy, first-time buyers should secure coverage leaving the lot. Most dealerships require proof of insurance to complete the sale.

Keeping a policy for 6–12 months builds an "insurance history," which often leads to much lower rates when you shop again later. 4. Finalize Before You Drive

A unique code for your car used to identify its specific features and safety ratings.

As a first-time buyer, your rates may be higher initially, but there are ways to save: