What car insurance should I choose if I'm buying my own for the first time?

I'm 26 and I've been driving for 10 years. For the past decade, I've been on my parents' insurance. Since I just got my first real job, I'm trying to be more independent and get my own insurance. How do I decide which insurance is right for me?

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Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Although some drivers choose insurance based solely on the rate, you’ll want to do a bit more analysis than that. In addition to price, consider the following:
  • The amount of coverage you need
  • Types of insurance, such as liability, collision, and comprehensive
  • The insurer’s quality of customer service
  • Reviews of the insurer from current or previous customers
Keep in mind that the bare-minimum coverage is probably too low for you, unless you drive infrequently. But if you weigh all the aforementioned factors, you should find a company that provides excellent customer service, good coverage, and an affordable rate.”
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