Your First Auto Insurance Policy

There's a first time for everything—your first day of school, first bike ride without training wheels, first car, and even your first auto insurance policy. For some of these firsts, your friends and family are there to help you figure things out. Other times, it's up to you. With Direct Auto & Life Insurance on your side, getting your first auto insurance policy isn't something you have to figure out on your own. Whether you're a new driver or you're just ready to leave your parent's insurance policy, we're here to walk you through the process to help you understand how to find, buy, budget for, and save on auto insurance.

How to Find Auto Insurance

You can get auto insurance online, over the phone, or in-person. The trick is, what insurance company will you choose? There are hundreds, if not thousands, of auto insurance providers across the country. While it may be tempting to call one up at random and ask for their cheapest policy, that may not be in your best interest.

Just like no two drivers are the same, no two insurance companies are the same. Choose the best one for your needs by speaking with their representatives (Do they offer great, courteous service?), researching your options (Can you get a roadside assistance plan from them too?), and comparing auto insurance quotes for the same types and levels of coverage.

Wait, what's an insurance quote? Think of it like an estimate. It's not an offer or a contract. It's an estimate of how much your auto insurance could cost based on the coverage you select and the personal information you provide.

Buying Your First Policy

You may be getting auto insurance for the first time, but you're not the first person to ask, "How do I buy car insurance?" The first step is getting an auto insurance quote. You can get a quote online, on your smartphone, over the phone, or in-person—whichever is most convenient for you. The process is generally quick and easy, but having the following information on hand can help speed up your quote as well:

  • Vehicle information:
    Your car's year, make, VIN number and model

  • Personal information:
    Your name, date of birth, address, email address and driver license number

  • Driving history:
    The number of accidents and tickets you've had in the last 3 years

The insurance company will present you with an estimated cost (rate) based on the  level of coverage you selected, the length (term) of the policy, your vehicle type, and the amount of your down payment. From here, you can typically adjust the policy details as long as you keep the minimum amount of insurance required by your state. Once you're happy with the price and level of coverage, you can go ahead and buy your policy!

Budgeting for Auto Insurance

Owning a car can get expensive, fast, and your auto insurance policy isn't necessarily something you want to cut out of your budget when money gets tight. Getting caught driving without insurance could lead to heavy fines, problems getting insurance later, a suspended driver's license and/or vehicle registration, or even jail time. When you know exactly how much you need to pay each month in order to stay insured, it's easier to plan ahead. You can also make your insurance more affordable by customizing your payments* to work around your schedule and taking advantage of all applicable discounts.** As a new driver, you could qualify for an auto insurance discount like a Good Student Discount and save up to 10%.

Get Help From Direct Auto & Life Insurance

Like we said before, getting your first auto insurance policy isn't something you have to figure out on your own. You're not alone! From helping you choose the type of auto insurance coverage that's right for you to getting you set up with a payment plan, we're here for you. Give us a call at 1-877-GO-DIRECT (1-877-463-4732), visit us online 24/7, or stop by one of our more than 400 store locations.

 

*Not all pay plans are available in all states and are subject to terms and conditions.
**Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.

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