How to Get Auto Insurance on a New Car

Need auto insurance for your new car? Search and compare rates from multiple insurers below. Auto insurance rates in the U.S. average around $1,427/yr. or 118/mo.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 20, 2020

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Things to remember...

  • You may be used to managing your auto insurance policy from your last car, but now you need to consider options for your new ride
  • If you are in the market for a new car, then you probably already know that car insurance is a requirement in almost every U.S. state
  • If you already have an auto insurance policy, getting insurance for your new car is as simple as calling your insurance provider to let them know that you need to update your policy
  • There are plenty of options for insurance coverage for a new car if you are not already insured
  • Before you agree to any quote that you receive and sign up for auto insurance coverage, make sure that you have checked into enough options to be sure that you are getting the best deal possible
  • If you already have insurance for your house or apartment, then you may want to consider getting car insurance through the same company because there are lucrative bundling discounts offered

Getting car insurance for a new car that you are looking into purchasing is a requirement almost everywhere in the U.S., but the good thing is that it is not a difficult process to go through at all.

If you already have car insurance for another car that you drive, then you may want to simply update your auto insurance provider that you have purchased another car and need to make some changes to your existing policy.

Enter your ZIP code above to compare car insurance from multiple companies at once!

If you are getting car insurance from scratch, you will find that it definitely pays off on your insurance bill to put in the time to do your homework in getting enough quotes from different companies in your area before committing to any specific auto insurance provider.

Shopping around is definitely the best way to prevent yourself from overpaying for the auto insurance coverage that you need.

Requirements for Auto Insurance for a New Car

The best place to startino looking into auto insurance for a new car is to find out what is required under your state law.

If you are not buying your car outright, you might also need to be aware of any auto insurance requirements from the dealer that you are leasing the car from or the bank that you are taking out the car loan from.

This information can be obtained in the loan or lease documents you sign. The major auto insurance companies licensed in your state will be able to ensure that you are meeting all of the state minimums for auto insurance coverage pursuant to state law.

Once you are familiar with what type of insurance you are required to carry, you can easily request auto insurance quotes online.

You will be asked to provide some basic information to get a more accurate quote for auto insurance coverage, such as the year, make and model of your vehicle as well as your personal information, including your ZIP code and contact information.

Do not make the mistake of thinking that every auto insurance company is licensed to provide coverage in all states in the U.S.

When you request a quote for auto insurance coverage, you will be asked to provide your current ZIP code, which is an important way to filter out all of the companies that are not authorized to provide auto insurance policies in your state.

You may also want to investigate the company that you are considering. You can do this by contacting your state department of insurance for information about any consumer complaints related to that insurance provider.

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Additional Considerations for Your Auto Insurance Coverage

To make sure that you are getting enough auto insurance coverage for you and your family, it is always best to have a general idea of what car insurance actually covers for your car.

You do not want to only have a basic auto liability policy in most instances because you would only be covered for damage that you cause to another vehicle or driver in a car crash. This means that damage to your own car would not be covered by your own insurance.

To make sure that you are not in this kind of bind, you may need to consider additional coverage options right from the start.

The most popular auto insurance coverage options are comprehensive coverage and collision insurance.

With both of these coverages, you will be protected in the event that some type of damage happens to your car.

This could include a heavy object falling on it and damaging it or if it is struck in a hit and run accident. Either one of these scenarios is a possibility no matter what part of the country you live in.

Understanding Your Policy Limits and Maintaining Adequate Coverage

Every auto insurance policy has a specific set of limits for coverage. This refers to the amount that the auto insurance company is responsible for paying out if you are responsible for an auto accident.

You will be able to select the limits that make the most sense for you and your family as long as they are equal to or greater than the limits imposed by state law.

It would be a mistake to think that you have enough coverage just because you have met the minimum standards in your state.

While state limits are important, they typically do not cover the entire extent of the damage in a car accident.

If you are not willing to pay out of pocket for an accident that you cause, then you should have enough coverage to replace another vehicle that you damage as well as any medical expenses incurred by any other driver involved in the accident.

Wrap Up on How to Get Insurance on a New Car

Even though car insurance can seem like a daunting thing to consider when you are in the middle of a new vehicle purchase, the process of getting the auto insurance coverage that you need is actually quite simple.

With the ability to get quotes online, you can quickly get an idea of the cost of coverage in your area. It is important not to rely on a single quote in making a decision on your auto insurance coverage.

You will want to get a sufficient number of quotes so that you are sure you are making an informed decision about your auto insurance coverage and not paying too much for your policy.

The type and amount of coverage you are looking for are also major factors in how much you will end up paying for auto insurance coverage.

Enter your ZIP code below to find car insurance that fits your budget today!

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