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How do you get insurance on your car?
I got my license a few months ago, and I’m looking to get my own car soon. I’ve never had to deal with car insurance before, and I’m not sure where to start. How do I get insurance on my car?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on getting your license! To get insurance on your car, you can simply pick a company, enter your information, and purchase a policy. However, if you want the best prices for your coverage, a little more research is required. Here’s what to do:
- Start with your personal and vehicle information. If you have some prospective cars to choose from, get the vehicle identification number (VIN), mileage, make, model, and year of each of the cars. Include the address that the vehicle would be registered to and what you use the vehicle for (business or leisure). Be sure to include your personal information such as name, date of birth, and driver’s license number.
- Decide between buying insurance directly or through a third party. Reaching out directly over the phone, on a company website, or in person is a good idea if you have an idea of what company you’d like to use, but it may take more effort to compare policies. Using an agent can help you build a personal relationship with the company, but will restrict you to comparing policies only within that company. Using a third party such as abrokeror an independent agent can show you policies and coverages from different insurers but may include a broker’s fee.
- Consider your coverage. Based on the type of car you plan to purchase and yourstate minimumfor car insurance, you may find that you need more or less coverage on your policy. If you are purchasing or leasing a new vehicle, you may needcollisionandcomprehensive coverage—your lender may require it. If you are purchasing a used vehicle you may find thatliability coverageis enough.
- Compare quotes and look for discounts. Using a tool like theJerryapp can provide you with free quotes from more than 50 of the nation’s top insurance companies. Once you’ve picked a company and a policy, searching for possible discounts could save you up to 20 percent on your premium. Calling your chosen company or checking their website is a great place to start.
Once you choose a plan, all that’s left is signing up. With the Jerry app, we’ll help you through the whole process! If you’re working with an agent or company, they will prompt you through the different steps. Once you’ve paid, you should be all set!
Happy shopping, and congratulations again on getting your license!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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