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Buying Car Insurance For the First Time? Here is What You Need to Know

Buying your first car can be an exciting time, but it also comes with an exceptionally thorough to-do list. One of the things that should be at the top of that list is getting car insurance. If you’re a first time car insurance buyer, you may be unfamiliar with the process of obtaining insurance and what kind of coverage is right for you. 

To help get you started, here’s a guide to getting car insurance.


What Do You Need to Get Car Insurance?

When it comes time to buy car insurance, there are some documents and information that you will need. These include:

  • Full legal name
  • Driver’s license number
  • Date of birth
  • Address
  • Social security number

Your age and credit score will also be taken into consideration when obtaining a quote.

You may also be asked to provide the following vehicle information:

  • Year, make, and model of vehicle
  • Vehicle Identification Number
  • Mileage

How to Get an Insurance Quote

Once you have gathered the necessary information, you can obtain a car insurance quote. You should shop around and compare quotes from multiple providers to ensure that you are getting the best deal possible. Many companies now offer online quoting systems, making it easier than ever to compare prices quickly. 

It’s important to note that some aspects of your situation may make one provider more attractive than another – for example, if you have had no previous accidents or tickets then there may be discounts available from certain insurers who reward good driving behavior.

What Types of Insurance Are Available?

When it comes to first time car insurance there are a variety of coverage options available. The most common include:

Collision Coverage

Covers damage to your vehicle in the event of an accident caused by you or another driver.

Comprehensive Coverage

Covers non-accident related damages, such as fire, vandalism, and theft.

Personal Injury Protection

Provides financial assistance with medical bills if you are injured in an accident.

Uninsured/Underinsured Motorist Coverage

Offers protection if you are hit by a driver who does not have enough insurance to cover all expenses related to the accident.


It’s important to note that not all states require these types of coverage so it’s best to check with your insurance provider before selecting one or more.

Tips on How To Save Money When Buying First Time Car Insurance

When purchasing car insurance there are several steps you can take to help ensure that you get the best rates available.

  1. Shop around and research your options: There are many insurers out there so it’s important to do your research and compare quotes.
  2. Ask for discounts: Many insurers offer discounts for good driving behavior, such as having no tickets or accidents in the past 3 years.
  3. Get the right amount of coverage: Ensure that you are getting the right amount of coverage that is tailored to your needs.
  4. Have a good credit score: A good credit score can help reduce the cost of first time car insurance since insurers use it to determine how likely you are to file a claim.

Get Insured With Bethany Insurance

At Bethany Insurance, we understand the complexities of first time car insurance and are here to help you find the right policy that fits your needs. Contact one of our experts today for an obligation-free quote and let us take care of all your car insurance needs.