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Starting Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 06/22/2011

Starting car insurance on yourself or a new vehicle is not hard, but still requires time and effort like other major purchases.

A sign showing you where to start your insurance

At some point in every driver's life they have to start their own car insurance.

Anyone that drives a vehicle has to go through the process of starting car insurance. This can happen when you first get your license, when you leave your parent’s house and start living on your own or even when it is time to buy a new vehicle.

The process is not hard, but to find a good price with a good company will take some of your time, but it is worth it in the end.

Starting Car Insurance for a New Driver

When you are a new driver you are usually 16 and still living with your parents.  Being added to insurance at first is something that your parents take care of for you. But, what about those that are starting their car insurance when they are adults? There is a long list of reasons that they waited to get their license or were not allowed to get their license until after they were 18.

No matter the reason, starting car insurance always starts with calling around to agents and insurance companies for quotes.  Make sure that you are getting quotes for the same coverages and limits so that you can compare the quotes to see who offers the best price. If you are getting quotes for different coverages, you won’t know who really has the best prices as you are not getting a good comparison of what you need to buy.

Also as a new driver, expect to be paying a higher amount of insurance than those of your same age group that have been driving. New drivers with no driving experience are usually placed in a high risk insurance group with higher premiums due to the higher chance of an accident happening from the lack of driving experience.

Out On Your Own For the First Time

Once you have moved out of your parent’s house you are no longer allowed to be on their insurance policy. It is time to start looking for your own insurance. To start, you may look at staying with the insurance company that your parents are with and just having them split you off onto your own policy. This is the simplest way to start car insurance for yourself when you are just starting out on your own in life.

If you would rather find your own insurance or want to see if another company can offer you a better rate, it is time to shop around. If your parents have an insurance agent, contact that agent and have them quote other insurance companies for you. If you find a premium that you like, purchase the policy and you have started your car insurance. If you are still not happy with the premiums quoted, go online and get quotes directly from insurance companies or through insurance websites like ours.

Starting Car Insurance for a New Car

Starting car insurance for your new vehicle if you already have car insurance is very simple. All you have to do is call your current insurance company or agent and let them know that you have a new car and they will put it on your current policy. This may also be a good time to start shopping around for quotes from other insurance companies and agencies to see if you can get better insurance rates on your vehicles than what your current insurance is offering.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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