How to Get Car Insurance in 6 Steps

The first step to buying car insurance is to gather personal and vehicle information to get an accurate quote. Familiarize yourself with basic coverage options, such as liability, collision and comprehensive coverage, to determine your needs. You can then get quotes from an agent, broker or the insurer directly. After comparing multiple quotes based on cost and coverage, select a provider. Assuming they have all the necessary information, many insurance companies can provide coverage the same day you get a quote.

For drivers switching insurers, remember to align policy start dates to avoid coverage lapses. Even if you already have a policy, shopping around may help you find better coverage for your needs at a lower rate.

Your car insurance rates depend on various factors, like your personal info, car type, driving history and past insurance records. Insurers use this data to gauge your risk level and set premiums accordingly.

Provide accurate details to get the correct pricing for your policy.

If you have all this information ready, you can usually get car insurance the same day you start shopping.

You can buy car insurance in three ways: through a captive agent, an insurance broker or by getting a quote online.

• Captive Agent: A captive agent works for one insurance company and sells only that company’s policies.
• Insurance Broker: A broker works with multiple insurers and offers several policy options from different companies.
• Online: Visit an insurer’s website to get an online quote, or use third-party car insurance calculators to compare multiple quotes at once.

If you want help deciding how much coverage to carry, speak with a captive agent or broker and ask questions about your options. If you already know the coverage and limits you need, you can apply online and start your policy once you’ve reviewed your choices.

Drivers who have trouble getting approved for coverage, such as those with multiple tickets or a DUI, may need to contact a non-standard auto insurance company. These insurers focus on higher-risk drivers who may not qualify for traditional policies.

Each state has its own minimum car insurance requirements. This means you must have liability insurance to pay for others' damages. Some states might also need personal injury protection (PIP) or uninsured/underinsured motorist coverage (UM/UIM).

You can go with just your state's basic plan if you want to save money. But you might want more coverage if your car is worth a lot.

Older cars that aren't worth much might not need as much coverage. If collision and comprehensive coverage costs more than your car is worth to fix or replace, consider dropping it.

Determining how much insurance you need can be tricky. You want to make sure you're protected without spending too much. However, the minimum requirements might not cover everything if something happens.

You can add additional coverage to your insurance to give you more protection and prevent an increase in your premiums. For example, roadside assistance can help you out if your car breaks down. And with accident forgiveness, your rates won't increase after your first accident.

The more extras you add and the higher your policy limits, the more you'll pay for insurance. Find the right balance between being protected and what you can afford.

Finding the right car insurance company is essential. You want the right mix of coverage, affordability and reliable service.

Here's what to keep in mind:

• "Cheapest" vs. "Best": Price matters, but it should not be the only factor. The right policy balances affordable rates with coverage that fits your situation.
• Coverage Matters: Confirm the insurer offers the coverage types you need, such as liability, collision and comprehensive, at limits that match your risk level.
• Budget-Friendly Options: Lowering your coverage limits can trim your premium if money is tight. Just weigh the savings against what you would have to pay out of pocket after an accident.
• Customer Service: Claims service counts when something goes wrong. Read customer reviews and check ratings from J.D. Power and the National Association of Insurance Commissioners to see how companies handle complaints and payouts.
• Financial Strength: Look for insurers with high financial ratings, such as A+ or A++ from AM Best, so you know the company can pay claims when needed.

Get quotes from at least three insurers before you buy. The first company you contact rarely offers the best price. Comparing rates saves you money and helps you find coverage that fits your needs.

Insurers calculate rates using your age, driving record and credit score. Knowing how these factors affect your premium helps you find lower rates.

Your car insurance starts when you complete your application and pay your first premium. Set up autopay to save 3% to 5% with most insurers. Paying your full six-month or annual premium upfront can cut costs another 5% to 10% compared to monthly payments.

Unsure about the policy? Many car insurance companies offer both six-month and 12-month policy periods. Opting for a six-month policy can be a great way to "trial" a provider or plan.

If you're switching insurers, start your new policy before ending the old one to stay covered and avoid a lapse in coverage.

Car insurance can feel expensive, but you have more control over your costs than you might think. Here are a few clever ways to save money while maintaining the coverage you need.

Equipping yourself with the right information will help you find the best car insurance that suits your needs. Read and review the most common questions you'll most likely encounter when looking for the best insurance for your car.