Get car insurance

How To Buy Car Insurance
On This Page
What Can Influence Your Rates
What Coverage Do You Need?
Get the Best Rate
Proof of Insurance
Verified As Of: 6/21/2018

Car insurance is one of the necessary evils of modern life. You pay a substantial amount of money each month to the insurance company, and if you are like most people, you have not had an accident or made a claim in years. Yet when you do suddenly find yourself involved in a collision, the insurance premiums you’ve been forking over all these years will finally pay off.

The advent of the Internet has raised the level of competition between insurance companies. Because you can now sit at home in your bathrobe and compare rates and coverage between companies, they are under more pressure to offer competitive deals. So why not leverage the Internet’s potential to help you save time, save money, and find the best auto insurance coverage?

First, let’s be clear about the fact that auto insurance is required by law in most states―it’s not optional. If you drive a car, you must have auto insurance. So you need to find out what the law requires in your jurisdiction when it comes to how much auto insurance coverage you need to maintain. Print out your state’s requirements, and save that information for the next step in the process.

What Can Influence Your Rates
Because insurance prices are all based on statistics, the prices each of us pays varies wildly. Things like the driver’s age, years of driving experience, what neighborhood the car is usually parked in overnight, the make and model of the car, what kind of safety features the car has, and whether or not you have antitheft devices installed―all of these variables will factor into the price you’ll pay for the particular level of coverage you choose.

Before you get too far into shopping for insurance, you might want to order a copy of your driving record. In much the same way that your credit rating determines what kind of interest rate you’ll get when you are applying for financing, your driving record will influence your insurance rate.

When you get your driving record, take a look at it to make sure that it is current and accurate. You would not want an error on your driving record to keep you from getting the best rate possible.

What Coverage Do You Need?
Your state sets forth the minimum liability coverage you must maintain, as mentioned above. But these are just the legal minimums and might not give you the coverage you need. You’ll have to decide what you want to buy beyond these minimums. Keep in mind that you are looking to find the balance between having adequate coverage and overpaying.

According to Consumer Reports, a general guideline for adequate bodily injury liability limits is $100,000 per person and $300,000 per accident, plus $100,000 for property damage. These amounts are what your insurer will pay to someone you are in an accident with. For uninsured motorist coverage, you should get the same amount as for bodily injury liability, as this covers your medical costs when someone who is not insured hits you.

Other Types of Coverage
You can always supplement your policy with specific protections (for a higher premium, of course). For example, many motorists get comprehensive and collision coverage. Comprehensive pays out when your car is damaged or lost due to causes other than an accident, such as vandalism, theft, or weather. Collision coverage will pay to repair your own car if you hit something.

These options typically come with your choice of deductible, usually $250 to $1,000. This is the amount you pay out of pocket before your insurance kicks in; the higher the deductible, the lower the premium you’ll pay for this type of coverage.

Additional options include rental reimbursement coverage, which pays for a rental car while your car is in the shop being repaired. Roadside assistance coverage will pay to have your vehicle towed. Keep in mind that if you already have an auto club membership, you do not need this additional coverage.

Get the Best Rate
The National Association of Insurance Commissioners (NAIC) recommends that you ask your potential insurer about the following discounts:

Good driving record: Many auto insurers offer discounts to drivers who have not made a claim, haven’t been in an accident, or haven’t received a traffic ticket in three years.
Good grades: Young drivers can get discounts for maintaining a B average or better in school.
Driver’s education: Some insurance companies offer a discount for drivers who complete a driver’s education or driver’s safety course.
Multiple policies: Some insurance companies offer discounts if you have two or more policies with them.
Safety equipment: Equipment such as antilock brakes and antitheft devices can get you a discount.
Longtime policy holder: If you have kept your policy with an insurer for several years, ask about a discounted premium.
Higher deductibles: A higher deductible usually means lower premiums.
Gather Quotes
Once you know what kind of coverage your state requires, you will need the following information in front of you in order to get an accuratequote for auto insurance:

The age and gender of the driver(s), the number of drivers in your household, and their driver’s license numbers.
A description of your car: the make, model, year, and vehicle identification number (VIN).
The type of coverage and limits you want.
Where you park your car overnight.
Check References
Now that you have a few comparable quotes and you know which company offers the lowest price for the policy you want, you still need to check out the company itself to find out whether it’s reliable.

You can check with your state’s department of insurance, which should allow you to compare premiums for insurance companies in your state. You can also check on the financial stability of a company and look up the number of consumer complaints it has accumulated. Take a look at Weiss Ratings to get an independent rating of the companies you are considering. J.D. Power and Associates also offers useful consumer reviews of auto insurance companies.

Review Your Policy
Before you sign, be sure to carefully review your new policy to make sure it includes all the coverage you want. Your policy will need to comply with your state’s legal requirements as well as any additional requirements of the company that finances your auto loan.

Proof of Insurance
Most states that require you to have auto insurance also require that you always have proof of your insurance policy in your car or in your wallet at all times. If you are stopped by the police and you are not able to show proof of auto insurance coverage, you could incur serious fines.

Most insurers will issue a handy insurance ID card―one for each vehicle you have insured. Keep this card in your car’s glove box along with the registration, and you’ll never have to worry about forgetting it. You might even need to provide proof of insurance when you register your car; you can use the insurance ID card for this.
What details do I need to get a cheap car insurance quote?

Details of the car Light blue icon of a car with dark blue wheels.
The car’s number plate is useful, but not essential. Please declare any modifications.

No-claims bonus (NCB) Light blue icon of a document.
Details of your NCB in years. You can request this from your insurance provider.

Details of any other drivers Light and dark blue icons of people.
You’ll need other drivers’ names and licence details to add them to any policy.

Driving licence & convictions Light blue icon of a driving license.
Type of licence; how long you’ve had it; details of any points or disqualifications from the last 5 years.

Previous claims or accidents Light blue icon of a document with a pound sign.
Date, claim cost and accident type for any accidents or claims in the last 5 years.

Need help Light blue circle icon with a dark blue question mark
No-claims bonus explained | How do I save on car insurance? | Can I drive someone else’s car? | More expert guides

If you have a pickup and are looking for insurance, you’ll need to use our van insurance process. This is because generally 4x4s are classified as cars and pickup trucks are not due to their longer wheel base and the fact they often exceed 3.5 tonnes.

What kind of insurance should I get?
When you get a quote, we’ll ask you what kind of insurance you’re looking for. There are three main levels of cover to choose from:

Third-party only
The lowest level of cover available. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It doesn’t cover your car against repair or replacement.

Third-party, fire and theft
Offers the same level of cover as third-party, but also covers your car for repair or replacement if it’s stolen or damaged by fire.

Comprehensive
Offers the most protection, covering you and your car, as well as other people and their property.

We’ve covered the three levels of cover in more detail in our guide to insurance policy types.

What are the different types of insurance available?
A standard policy will usually cover a single car for 12 months. But, depending on your needs, other types are available. These include:

Multi-car
Insure all the cars at your address and get a discount.
Find out more

Temporary
Short-term cover from one to 28 days.
Find out more

Learner
Cover for those learning to drive in their own or someone else’s car.
Find out more

Black box / telematics
Uses an app on your phone or box installed in your car to monitor your driving. Information such as when you drive, your speed, braking and handling is captured and shared with the insurance company to base policy prices on.
Find out more

Classic car
Cover specifically designed for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Find out more

Business
If you use your car for more than just domestic use, including business driving away from your normal place of work, you’ll need a business policy.
Find out more