How To Get Car Insurance For First Timers [2022]

Hey Sunshine,

Check out the best ways how to get car insurance for first timers in 2022 and things to consider while buying first time car insurance. Getting your car insured has to be the first thing you need to do after you buy it. However, it can be overwhelming to understand what kind of coverage you need as a first-time buyer. Getting your first-time car insurance can be quite simple if you keep some basic things in mind. Compare cheap auto insurance options and their coverage policies before you make any decision. Factors such as age and credit score can play a big role in determining your premium.

Learn various tips to get car insurance for first-time buyers and how to choose the best car insurance companies according to your circumstances in 2022.

Car Insurance For First Timers: Overview

Purchasing a car gives you the added responsibility of getting the car insured. If you are buying a car for the first time, you might need to gain experience with getting car insurance. In that case, compare rates online for different insurance companies to decide what is best for you.

Being privy to the market’s current quote rate, getting your documents in order, and knowing the coverage options can help you pick the right car insurance. Several factors go into car insurance for first-timers. Whereas an 18-year-old driver has to pay $3,454 annually for minimum coverage, for a 30-year-old, it can cost as low as $1,118. The right guidance and being on top of the financial factors can make the entire process simpler and less overwhelming.

When To Buy Car Insurance For The First Time (2022)?

Getting your own car insurance ideally goes along with whenever you start driving your car. However, if you live with your parents, their car insurance might include insurance for their dependents. If you are a teenager with a driver’s license, you will initially need to be added to the family’s existing car insurance policy.

Car Insurance For The First Time
Car Insurance For The First Time

There is no legally required age to separate from your parents’ car insurance as long as you continue to live with them. However, getting your own car and moving out is just the right time for you to get your own car insurance. As a young driver, you might be able to access student discounts and the like on your insurance purchase, too!

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Things To Keep In Mind While Buying First-Time Car Insurance

Making mistakes while buying first-time car insurance is common, but don’t worry; we got your back. We always guide people about what you should keep in mind, requirements, eligibility, and essential tips to choose the best cheap car insurance for first timers.

  1. Is The Insurance Giving You The Coverage You Need?
  2. Are You Reaching For Reasonably Priced Insurance?
  3. Do You Have A Clear Idea About Your Car And What It Needs?
  4. Do You Have A Good Credit Score?
  5. Did You Look Through All The Possible Options?
Buying First Time Car Insurance
Buying First Time Car Insurance

1. Is The Insurance Giving You The Coverage You Need?

If your vehicle is new, opting for full-coverage insurance might be a good idea. You make sure that it covers the minimum liability required for the state you live.

2. Are You Reaching For Reasonably Priced Insurance?

The premiums and deductibles you will be charged are important considerations. After all, you want to avoid being trapped in a cycle of paying for insurance that is way beyond your financial limits. So look into the financials and transactional details of your car insurance thoroughly.

3. Do You Have A Clear Idea About Your Car And What It Needs?

The kind of car you drive, its purchased or rented status, and the model, are all relevant pieces of information that help you decide on the insurance policy. While buying car insurance for first-timers, ensure your car is not underinsured.

4. Do You Have A Good Credit Score?

Your credit history can play a major role in determining the price of your insurance. Car insurance for first-timers costs more than veteran insurance handlers. Maintaining good credit can vouch for your credibility as an insurance buyer and help you circumvent any additional costs.

5. Did You Look Through All The Possible Options?

The internet has made it really simple to compare insurance quotes online. With or without an insurance agent, you can compare quotes and coverages among the available ones by simply looking through the internet.

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5 Tips To Get Car Insurance For First-Time Buyers (2022)

Here are 5 tips to get car insurance for first-time buyers to follow in 2022:

  1. You Don’t Always Have To Buy Insurance To Get Insurance
  2. Safe Driving Goes A Long Way
  3. Discounts Can Be A Big Help
  4. Higher Deductibles Are Often Convenient
  5. Less Coverage Can Prove Helpful
Car Insurance For First-Time Buyers
Car Insurance For First-Time Buyers

1. You Don’t Always Have To Buy Insurance To Get Insurance

If you are a young driver, your parents’ insurance might not always turn out to be the most suitable option for you. It can increase the premium by 140%. However, joining an existing insurance plan can be an inexpensive option.

2. Safe Driving Goes A Long Way

Violations of the law and at-fault accidents on the road can hurt the chances of getting cheap car insurance for first-timers. So, make sure that you drive safely and maintain a clean record.

3. Discounts Can Be A Big Help

Make sure you dig around for any available discounts. Whether it’s an offer or a student discount, try to grab any opportunity to save some extra money.

4. Higher Deductibles Are Often Convenient

A higher deductible guarantees lower premiums. You pay deductibles whenever you file some claims. So choosing an affordable yet higher deductible can be a convenient option to save on your premiums.

5. Less Coverage Can Prove Helpful

If you find yourself in a position where the price of full coverage insurance becomes too much to handle, taking a step back is the smart way out. You can opt for the minimum coverage required by your state.

How To Get Car Insurance For The First Time (2022)

Getting car insurance for the first time means you are dealing with a procedure you probably have little to no experience in. We have gathered all the necessary information so that you know how to get insurance for the first time without any issues in 2022:

  • Your personal documents are necessary to get your first-time car insurance. You will need identity proof, age proof, proof of residence, et cetera. 
  • Information about your car is essential to get your first-time car insurance. So you might want to pull out all the car-related documents you have. It will also help you understand what kind of coverage you need.
  • Finding yourself an adequate insurance agent is a primary step toward finding the right car insurance for you. They can help you find quotes and also give you the necessary advice.
  • Finding information about quotes and comparing them will help you stay ahead in the game. Choosing the most suitable insurance quote and coverage becomes easy if you have several options to choose from.

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5 Best Cheap Car Insurance For First Timers (2022)

Car insurance companies play a crucial role, so to choose the best cheap car insurance for first timers, you should know about them. Comparing is the best way to analyze each company’s offers, the pros and cons, and why one company is better than the other.

  1. State Farm
  2. Travellers
  3. Grange
  4. Mercury
  5. Progressive
Best Cheap Car Insurance For First Timers
Best Cheap Car Insurance For First Timers

1. State Farm

As one of the USA’s largest car and home insurance providers, State Farm has carved a niche for itself with its affordable rates and convenient coverage plans. Their annual average quote for first-time auto insurance is $1,895. State Farm ensures that your car remains protected under a variety of situations. Other than the basic coverage options, State Farm also offers policies for sports and classic cars as well.

2. Travelers

Travelers features among the top 10 insurance providers in the US. They offer a number of coverage options for all types of insurance policies. Providing personal and business insurance with multiple coverage options, they have some 13,500 independent agents internationally. It offers various discounts, including discounts for safe driving and new vehicles. Their first-time car insurance premium is available from an average quote of $1,313.

3. Grange

With an average annual quote of $1,584 for first-time auto insurance buyers, Grange leads the crowd with their reasonable premiums. Grange is an Ohio-based insurance company with various coverage options. Grange Insurance currently has about 700,0000 clients across thirteen states. Other than the basic coverage options, Grange also provides lease coverage, rental reimbursement, and full glass repair.

4. Mercury

Mercury’s first-time car insurance quote stands at $1,684 on average. In terms of coverage and service, Mercury records considerable client satisfaction. This $4 billion insurance company offers a number of basic and extra coverage options as part of car insurance plans. Other than that, it also provides coverage in case your vehicle is driven by a ride-sharing company.

5. Progressive

Progressive’s first-time car insurance option, on average, is $1,835. With a significant presence across all US states, Progressive offers several discounts, including the good student discount, Snapshot, and teen driver discount. Progressive has a wide variety of basic and extra coverage options for its auto insurance plans.

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Car Insurance For First Time Driver By Age (2022)

Check out car insurance for first time driver by age in 2022 and how much it costs for 18 year old and 30 year old driver:

  1. For 18-year-Old Driver
  2. For 30-Year-Old Driver
Car Insurance For First Time Driver
Car Insurance For First Time Driver

For 18-Year-Old Driver

State Farm offers the cheapest car insurance quotes for 18-year-olds at an annual rate of $1,553 for minimum coverage. Even their full coverage option is affordable, being $3,243 annually on average.

For 30-Year-Old Driver

For 30-year-olds, State Farm’s average car insurance quote remains $566 annually for minimum coverage.

The table below compares car insurance for first timers by age, you can analyze and get to know the average rates in 2022:

Company18-year-old30-year-old
State Farm$1,533$566
Geico$1,917$1,132
Average$3,454$1,118
Nationwide$3,867$1,103
Progressive$6,498$1,670
Allstate$7,380$1,480

How To Choose Cheap First-Time Car Insurance In 2022?

There are multiple ways to choose cheap car insurance for first timers but we have the best ways you can follow in 2022:

  • Shop around and explore your options. 
  • Select the right, required, and affordable amount of coverage.
  • Keep a clean driving record and stay out of at-fault accidents or traffic violations.
  • Maintain a high credit score.

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