Car Insurance For Used Cars

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Car insurance
is not just a necessity for brand new vehicles—drivers need protection for their used cars as well.
There is no set process for how to find the best insurance for a used car, but there are factors to consider when weighing your options for coverage. Ultimately, the best used car insurance is the coverage that provides the most protection at the best price.
Here's an overview of the required insurance needed by your state, additional insurance you could get, discounts, and other factors that affect your insurance rate after you
buy a used car
.
And if you want to get the lowest rate at the coverage you need for your used car, try
Jerry
.
A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.
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Used car insurance requirements

All states require used car drivers to carry liability insurance. This minimum coverage mandated by law applies in accidents where you are at fault.
Liability insurance
reimburses the other driver for repairs and medical bills.
This ultra-basic policy does not, however, reimburse you for any medical treatment or repairs to your own vehicle.
In some states, the law stipulates drivers also carry
uninsured and underinsured motorist
coverage. This additional car insurance is used when you are involved in an accident that is not your fault and the other driver does not have sufficient insurance to pay you for needed repairs or medical bills.

Additional insurance for used cars

You may want coverage beyond the state minimums. If there is a
loan
on your used car, additional coverage is likely required by the lienholder. In such a case, you can add
collision
and/or
comprehensive
coverage to your used car insurance policy.
Collision coverage pays for repairs to your car whether you or the other driver is at fault while comprehensive coverage pays for repairs to your vehicle caused by non-collision incidents, such as vandalism, theft, or damage from natural disasters.
This extra coverage costs a little more, but the extra protection and peace of mind may be worth it. When collision or comprehensive coverage is not required, take the extra time to analyze if the rewards are worth the costs.
For instance, it makes no sense to insure your car for more than it is worth. You can check your used car’s value at
Kelley Blue Book
, and definitely opt out of this additional coverage if your used car is worth less than your insurance deductible.

Ask about discounts for used car insurance

It never hurts to inquire about
discounts
. Many insurance agents won't tell you about ways you can save money unless you ask first.
The worst case scenario is that you learn you don’t qualify for any discounts. If you have a
good driving record
with no moving violations or accidents in the past five years, you are likely a candidate for a discount. Other types of discounts are available for college students or senior citizens.

Factors that affect used car insurance rates

Your driving record is not the only record that influences the insurance rates you are offered. Your
credit record
, or score, can also play a large role. In fact, most used car insurance providers calculate premium rates based on credit-based insurance scores.
This means that drivers who pay bills on time and have lower debt-to-income ratios are more likely to secure a good car insurance rate, and drivers with not-so-stellar credit must pay more for the same degree of coverage. So, it is in your best interest on multiple levels to repair your credit if it is low, so your insurance rates can become lower down the road.

Get the best rates with Jerry

Jerry is the easiest and most effective way to find a car insurance policy that is customized for you.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy! So why do all that extra work when Jerry can do it better?
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