Before getting behind the wheel as a first-time driver, you’ll first need to buy insurance. As a new driver, you’re probably thrilled about purchasing a new car and being able to go anywhere on your own time. However, with this newly gained freedom comes financial responsibility in the form of auto insurance. Finding the right auto insurance may seem daunting, but with preparation and helpful tips, you will find the perfect policy. Keep reading for four important tips for drivers buying insurance for the first time.
Check Out All Your Insurance Options
When buying insurance for the first time, checking all your options before committing to a policy is important. But what is the best car insurance for first-time buyers? Sometimes, it’s better to go with smaller companies for your first insurance policy because they may offer special rates and cheaper options because car insurance rates for new drivers tend to be higher. There’s also a range of different types of auto insurance. However, by checking out other insurance companies, you can weigh all your options to find more affordable plans or special rates.
Quick Tip: Write down the reference numbers when comparing car insurance quotes.
Expect To Pay More as a First-Time Buyer
If you’re a new driver or buying auto insurance for the first time, you should expect to pay more than an experienced driver; however, your insurance rates will go down once you turn 25. Your insurance rates will be higher because auto insurance companies look at your driver and insurance history to set a rate. If you have less driving experience, you’re more likely to file an insurance claim.
Your insurance rate is also affected by:
- Credit
- Age
- ZIP code
- Occupation
- Education
Quick Tip: Some insurance companies will lower your rates if you take a driving education or training course.
Ensure You Have the Correct Documents
When you’re shopping for car insurance, the agency is going to ask for the following information:
- Driver’s license number
- Date of birth
- Address
- Education level
- Driving history
- Insurance history
- Marital status
- Occupation
You will also need to provide your vehicle’s make, model, and year. It’s important to note that some information, like your driving history and where you live, will affect the cost of your insurance, even if you’re a new driver.
Talk to an Insurance Agent
If you talk to an insurance agent, they will be more likely to help you find a policy that works for you. You can ask as many questions as possible, like the typical insurance cost for new drivers, to ensure you’re not overpaying and are getting the add-ons you need. Agents are there to help you throughout the process and help make any additional changes.
Saferoad Insurance Services offers affordable automobile insurance quotes in California for new and experienced drivers. If this is your first time purchasing auto insurance, contact us so that we can walk you through the process and discuss any additional add-ons or bundles you may need.