Getting Your First Auto Insurance Policy Is Easier Than You Think

August 29, 2010

If you’re shopping for car insurance for the first time, you may not know what to look for. The following information explains application requirements and how to save money on the best car insurance for young drivers and experienced adults alike.

First auto insurance policy application requirements
You’ll want to get quotes either by calling, going online, or visiting an agent in person. You’ll need a few things to get started:

- Driver’s license number
- Social Security number
- Vehicle identification number (VIN) of your vehicle
- Make and model of your vehicle

But what if you don’t have a car yet? It’s probably in your best interest to wait to get insured until after you buy or lease a car. This way you’re not paying for a policy until you actually begin driving. However, if you don’t own a car but borrow someone else’s longer than a month or rent a vehicle on a regular basis, there’s something called “non-owner” auto insurance that will pay any claims if you were at fault in an accident.

Car insurance discounts: Understanding your eligibility

Next, you may wonder if you’re eligible for any of the car insurance discounts insurance companies may offer. For example:

- Will your policy cover multiple cars? You may be eligible for a multi-vehicle discount of up to 20 percent. 
- Do you need homeowners or life insurance, too? Combine two or more policies and save.
- Are you a good student? You may qualify for up to a 15 percent discount when you earn a B average or above on your report card.
- Do you have an anti-theft device installed in your car? You may be able to save on your premium thanks to these safety features.


When you’re looking for the best car insurance for young drivers, it’s important to find a reliable insurance company that offers the coverage you want at an affordable price. Shop around, search online, make a few phone calls and find the policy that fits both your lifestyle and budget. Protecting your young driver with traditional or teen car insurance is just as important as driver’s training and wearing your seatbelt. Safety behind the wheel starts with securing the insurance you need to stay covered.

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