Buying New Car Insurance 2024

Buying New Car Insurance

Buying a new car insurance can be an exciting experience. The pristine exterior and interior, the low mileage, and the new car smell make driving off the dealer lot a great feeling.

Buying new car insurance for a new car may seem less enjoyable, but it is an essential step. Buying a new car can be an exciting experience. The fresh exterior and interior, low mileage, and new car scent make driving off the dealer lot thrilling.

Buying new car insurance for a new car may seem less enjoyable, but it is an essential step.

What is Car Insurance?

Car insurance, also known as auto insurance, provides financial protection if an accident, natural events, natural disaster, or theft damage your vehicle.

A comprehensive car insurance policy offers financial protection if any unfortunate incident damages your vehicle. Apart from that, a personal car insurance policy also covers third-party liabilities and ensures that you comply with the laws of the country.

“Whether you’re seeking to purchase a new car insurance policy to comply with legal requirements or obtain comprehensive coverage, ACKO provides insurance policies, including third-party car insurance, comprehensive car insurance, and own-damage car insurance, online at remarkably low premiums.” At ACKO, you can enjoy a hassle-free car insurance renewal process.

New car insurance

Wondering how to insure your new car? The truth is that your current insurance policy will cover your new car after you’ve largely written it off – usually at the same level of coverage as your old car. But if you don’t have liability or bodily injury protection, you could break the law and end up stuck at the dealership—or worse.

In most cases, getting new car insurance is just like buying coverage for any other vehicle. But there are details and you may have different needs when insuring a new car than if you were insuring a used car.

At the MarketWatch Guide team, we delve into the process of obtaining auto insurance for a new car, exploring the necessary coverage and potential costs. We also share some recommended providers from our list of best car insurance and cheap car insurance companies to help you get started.

When do I need to buy insurance for my new car?

If you don’t currently have car insurance, you’ll need to purchase a policy before driving your new car.

Even if you have insurance coverage, it’s a good idea to inform your insurance company about your plan to purchase a new car before doing so. Since new cars usually cost more than old cars, your new car insurance premium will likely be more expensive. You’ll want to factor increased premiums into your budget ahead of time.

Another reason to talk to your insurance company before buying your car? The dealership might attempt to sell you additional insurance and financial products, such as gap insurance. It’s a good idea to have already an insurance policy that you feel confident about so you won’t be persuaded to pay more for extras.

How much is new car insurance?

New cars cost more than older, used cars, plus they have extra features (like backup cameras and Bluetooth speakers) that make them more expensive to repair. Your new car insurance premium will likely be higher than your previous car: Auto insurance rates are rising across the country for most drivers.

The rate you pay will depend on the year of your car and the make and model you choose. According to NerdWallet’s analysis of the cheapest cars to insure, the average annual cost to insure the popular 2023 Toyota RAV4 is $1,652 for a good driver with good credit.

Here’s how much new car insurance costs for the nation’s most popular cars, ranked from cheapest to most expensive to insure, according to NerdWallet’s 2023 rate analysis.

How much is insurance for a new car?

Generally, getting a new car will increase your rate because it will be worth more than your old car. Remember that other factors can affect your car insurance rates if you’re starting a new auto insurance policy. But even if your rates go up, you may qualify for some car insurance discounts.

“But the exact cost difference will vary greatly based on the following factors.”:

• Model year
• Car make and model
• Title and damage history
• Amount of coverage purchased

Insurance requirements for a new car

Financed vehicle

Required coverages: The provider usually mandates comprehensive car insurance and auto collision coverage. If you are at fault in an accident, your state will require certain minimum liability coverage for any injuries or damages.

Other coverage options: “You can also inquire about loan/lease payment coverage, which is available through Progressive.”Loan/lease payoff coverage can assist in covering the disparity between the amount you owe on your vehicle and the actual value of your car in the event of it being totaled or stolen. This coverage typically pays up to 25% of the actual cash value, although this limit may vary depending on the state.

You may be required to provide the name and address of the lienholder within two to three days of purchasing the policy or adding a new vehicle to your existing policy. Note that similar coverage, gap insurance, may also be available from dealerships or other insurers.

Leased vehicle

Required coverages: The leasing company usually requires comprehensive and collision coverages, and they may not allow you to choose a deductible greater than $1,000. You will likely need a higher liability coverage amount, typically $100,000 per person and $300,000 per accident.

Be sure to explore other coverage options such as loan/lease payoff coverage. This can be beneficial if your car is totaled or stolen before your lease ends. It’s important to note that some lease agreements may already include gap insurance from the dealership. Therefore, it’s recommended to check your lease agreement before adding a loan/lease payoff to your auto policy.

Owned vehicle (no lender or lienholder)

Required coverages: You only need what your state requires – usually the minimum amount of liability coverage. Learn about the four insurance requirements in the state.

Other coverage options: Consider adding comprehensive and collision to your paid-off vehicle. If you don’t have bodily injury coverage, you won’t receive any money from your insurer if your new car is stolen, vandalized, or damaged in an accident that was your fault.

For your convenience, we are available to immediately add your new vehicle to your existing policy or get you started if you are a new customer.

buy a car without insurance

Although it may be possible to buy a car without insurance, most dealerships require that you get coverage for your new car before you hit the road.

All states require car insurance except Virginia, where you can opt-out by paying a $500 fee. There are exceptions in remote areas of Alaska. But in all other states, you must provide proof of insurance before you can begin driving. To be considered legally insured, your car insurance policy must meet the minimum requirements in your state.

Here’s what you need to know before buying insurance for a new car.

Before purchasing a car, learn how to obtain auto insurance

If you do not have car insurance, you should obtain a policy before driving your new car. Purchasing insurance for a car you do not yet own may seem strange, but it is quite straightforward:

Know your make and model.  Remember to take some time to compare cars and identify the one you want.

Collect information about the car of your choice. To purchase an insurance policy, it can be helpful to know the make and model of the vehicle, vehicle identification number (VIN), mileage, and your driving record. If you don’t know the VIN or mileage, you can tell your insurer the make, model, and year of the car you plan to buy (like the 2022 Toyota Camry).

Compare insurance quotes. It can be tempting to choose the first insurance company you find, but it’s worthwhile to compare different options. Check out NerdWallet’s car insurance comparison tool to compare rates from many of the nation’s largest insurers.

Apply. Once you’ve chosen an insurance company, it’s time to apply for your new car insurance policy. “Depending on the insurer, you might have the option to complete the application process online.” However, if you don’t know the vehicle details (such as the VIN), you may be able to get a quote, but you won’t be able to finalize your purchase until you provide this information.

Buy your car. Once you have obtained proof of insurance or found a carrier willing to cover you, you are ready to visit the dealership and purchase your new car.

“What is the appropriate insurance coverage for a new car?”

How much auto insurance you need will depend on several factors, including how new your car is, if you have a car loan or lease, and your state’s minimum requirements to legally drive. But NerdWallet also recommends buying enough coverage to protect yourself financially in the event of a bad crash

Here’s what to know.

State minimum car insurance requirements

Please remember that your new car insurance policy must meet the minimum car insurance requirements of your state. These requirements vary by state, but they include the following types of coverage:

Liability insurance pays for injuries to others or property damage after an accident up to your policy limit. Every state except remote areas of Virginia and Alaska requires a minimum amount of liability insurance.

About half of states require uninsured and underinsured motorist coverage. These coverage types pay for your medical expenses or property damage if you are involved in an accident caused by a driver without car insurance or with minimum liability limits.

Personal injury protection (PIP), sometimes called no-fault insurance, covers medical expenses for you and your passengers after an accident, regardless of who caused the accident. PIP can also pay for lost wages due to being unable to work due to a crash injury.

Full coverage insurance

If you have a car loan or lease, you likely need full coverage car insurance. Comprehensive coverage is not a single type of insurance policy, but rather a combination of different types of coverage. Full coverage usually includes your state’s minimum requirements:

Comprehensive insurance covers damage to your vehicle from things like fire, hail, vandalism, and theft. Comprehensive insurance covers up to the current market value of your car, minus your deductible. A car insurance deductible is a set amount deducted from paying a claim.

Collision insurance, which pays for damage to your vehicle from crashes with objects or other vehicles. Collision insurance pays up to the market value of your car, minus your deductible.

Gap insurance

“Gap insurance covers the gap between what you owe on your car loan or lease and the actual cash value of your car if it’s totaled or stolen. If you don’t have gap insurance, you’ll have to pay the difference out of pocket.”

Gap insurance is a wise investment that can potentially save you thousands of dollars if your new car is severely damaged in an accident. Although it’s usually required if you lease, those with car loans should also consider gap insurance.

Here’s how gap insurance works. Let’s say you owe $30,000 on your car loan, but your car is worth only $25,000. You have full coverage auto insurance, including comprehensive and collision coverage. If your car is involved in a total accident, your collision insurance will pay up to the market value of your car, minus your collision deductible. If your collision deductible is $500, your insurance company will pay you $24,500. But you will still be responsible for the remaining $5,500 of your car loan.

Gap insurance will pay you $5,000, the difference between the remaining balance on your auto loan and the current market value of your car, so you can only deduct your $500 collision coverage. Without gap insurance, you will owe the lender the remaining amount.

New car replacement coverage

If a crash totals your new car, or if it’s stolen, new car replacement insurance will pay to replace it with a car of the same make, model, and value.

If your new car is totaled in a covered incident, comprehensive and collision insurance will pay for the actual cash value of your car, minus your deductible. However, because cars lose their value quickly when purchased, your $30,000 car could be worth $25,000 when you get into an accident.

Unlike comprehensive or collision insurance, which will only pay your deductible up to $25,000, new car replacement coverage lowers your deductible by what it would cost to replace your car with a new car of the same make and model.

How can I save on new car insurance?

The best way to ensure you get the best deal for your new car insurance policy is to shop around and compare quotes from multiple insurance companies. It’s also a good idea to shop around once a year and switch insurers if you find a more affordable option that still meets your coverage needs.

What is the grace period for a new car?

The grace period length for car insurance varies by company and may not be offered. A 30-day grace period is common but can be as short as seven days.

Make sure to check with your insurance company about their grace period rules before purchasing a new car. It’s important to get car insurance on a new car before the grace period ends so you don’t lapse coverage.

What car insurance coverage is provided during the grace period?

Insurance companies can vary on whether only a replacement vehicle gets a grace period or whether it extends to adding the vehicle to your household. A replacement car usually gets the same coverage as the car it replaces, and an additional car gets the same coverage as the car with the maximum coverage on your policy.

This means if all your cars previously had liability-only insurance, you will get it on the new car during the grace period. If you need comprehensive collision coverage, it’s best to alert your car insurance company immediately about the new car and make sure it has the right coverage.

“Can I purchase new car insurance at the dealership?”

You may be able to buy new car insurance at the dealership, but your options will be limited and it’s usually not the best way to find a good price. For example, dealerships may only work with one or two insurance companies.

The most effective way to secure affordable car insurance is to compare prices before visiting the dealership. When you shop in advance, you can research your coverage needs and compare quotes between several insurers. This will save you time and money in the long run.

If you already have car insurance, you can add a new car to your policy. For example, Progressive Car Insurance has a 30-day grace period to add a new car to your policy after you buy it. But if you don’t have collision and comprehensive coverage, your lender or leasing company should add them to your existing policy.

When Does a New Car Insurance Policy Start?

If you purchase insurance before owning a new car, the policy becomes effective the moment you drive your car off the lot. This is often required by the dealership because it is illegal for anyone to drive without auto insurance.

To start a new car insurance policy before purchasing a vehicle, you will need to have the following information ready:

purchase price

Vehicle Identification Number (VIN)

Your contact information

Most car insurance providers can start your policy within 24 hours. Many also offer same-day insurance.

Is car insurance for a new car required?

Every state except New Hampshire, South Carolina, and Virginia requires car insurance. The minimum required insurance varies by state. If you have a car loan or lease, your lender or leasing company will likely require you to have comprehensive collision coverage. This type of coverage pays for the repair or replacement of your car in case of certain events, such as a car accident or theft, as outlined in your policy.

The following are the primary types of car insurance that you may require.

Liability car insurance

Liability car insurance covers the cost of property damage and injuries to others if you cause a car accident. It also covers legal defense, court judgment, and settlement costs. Liability insurance does not pay for your injuries or damage to the vehicle.

Each state has its minimum liability car insurance requirements. For example, California car insurance requires at least 15/30/5 for liability insurance. This translates to:

• 15 = $15,000 in bodily injury liability coverage for one person per accident.
• 30 = $30,000 bodily injury liability coverage for all people per accident.
• 5 = $5,000 property damage coverage per accident.

“It’s a good idea to purchase more than the minimum liability requirements set by your state.”The minimum required amount may be woefully inadequate. For example, if you’re in a major accident that seriously injures multiple people, $30,000 won’t get you very far and you’ll be stuck with significant out-of-pocket expenses.

A good rule of thumb is to purchase enough liability car insurance to cover potential losses in a lawsuit.

Collision and comprehensive insurance

If you have a car loan or lease, your lender or leasing company will likely require you to purchase collision and comprehensive insurance. So you won’t walk away from your loan or lease if your car is totaled or stolen.

Collision insurance pays for repairs to your car if you are involved in a car accident, regardless of who is responsible for the accident. For example, if you back up into a pole, collision insurance may pay for your repairs (minus your deductible).

Comprehensive insurance covers car theft and repairs due to problems such as falling objects, floods, collisions with animals, vandalism, fire, and hail.

Uninsured motorist coverage

Uninsured motorist coverage and underinsured motorist coverage pay for your medical expenses if you crash with liability car insurance (or without adequate liability car insurance).

Some states mandate uninsured motorist coverage, while in others it’s optional. Generally, it has good coverage. According to the Insurance Research Council, one in eight people in the United States does not have car insurance.

Personal injury protection

Personal injury protection (PIP) coverage pays for medical bills and other expenses (such as lost wages and funeral expenses) for you and your passengers, regardless of who is responsible for the car accident.

There are 12 states where PIP is required under “no-fault insurance” laws, three other states require PIP, and four states and Washington, DC where PIP is optional.

How to choose the right new car 

If you’re looking for a new car, you probably already have a model, make, or type of car in mind

The car you buy can have a big impact on your finances — on top of the initial cost of buying it, you should consider running costs, monthly payments, and car insurance.

In our guide, find out more about insurance groups and the cheapest new cars to insure.

If you can’t decide whether to buy a new or used car, check out our guide on what to look for when buying a used car.

Personal loan

If you want to borrow up to around £35,000, it’s worth looking into a personal loan.

These are unsecured loans based on your credit score, so the better your score, the more you can borrow and the lower the cost.

This route lets you see your car owner instead of seeing the car repossessed because a missed payment hurts your credit score. Be warned though, that missed payments and defaulted debts can lead to county court judgments against you or even possible bankruptcy proceedings, where bailiffs have the right to demand the return of a wide range of assets – potentially including your car.

Car Insurance

Car insurance, also known as auto insurance, offers financial protection in case of vehicle damage from accidents, natural disasters, or theft.

With a comprehensive car insurance policy, you will be financially protected in case of any damage to your car due to an unfortunate incident. Apart from that, a personal car insurance policy also covers third-party liabilities and ensures that you comply with the laws of the land.

Whether you are looking to buy a new car insurance policy to comply with legal regulations or looking for comprehensive coverage, ACKO has it all! We provide various insurance policies online at extremely affordable premiums, including third-party, comprehensive, and own-loss car insurance. At ACKO, you can enjoy a hassle-free car insurance renewal process.

How to get a car insurance

Although it may be possible to buy a car without insurance, most dealerships require that you get coverage for your new car before you hit the road.

All states require car insurance except Virginia, where you can opt out by paying a $500 fee, with exceptions in remote areas of Alaska. But in all other states, you must provide proof of insurance before you can begin driving. To be legally insured, your car insurance policy must meet the minimum requirements in your state.

How Soon After Buying a Car Do You Need Insurance?

It is usually best to buy car insurance before you get your new car. If you already have car insurance for another vehicle, you don’t need to buy another plan yet. Most insurance companies offer a short grace period during which your new car is covered. Depending on the dealership and if you’re buying your new car with a loan, however, you may need to have proof of insurance before taking your new car home.

If you’re buying a car from a private seller, they usually don’t ask for proof of insurance before taking delivery of the new car. However, you must remember that driving without insurance is illegal and can cost you a lot of legal fees and more if you get into an accident.

Getting Proof of Insurance for a New Car

If you’re buying a car from a dealership, you’ll need proof of insurance before you’re allowed to pick up the car. In some cases, you may be able to call an insurance representative to find coverage from the dealership. Also, if you already have insurance on a different vehicle, you may be able to show proof of that insurance. This is usually a requirement whether you are buying a used or new car. Additionally, even if you choose a lease, you will still need proof of insurance.

Most insurance companies will provide you with a quote very quickly, and in most cases, you can usually get new insurance in 24 hours or less.

How Do I Know If I Have a Grace Period?

It is always important to read your policy and find out if your grace period covers your car purchase. According to WalletHub, this grace period typically ranges from seven to 30 days and varies from provider to provider. It’s important to remember that even if you have a grace period, it only covers the level of coverage you had on your previous car.

If you’re buying a car worth more or taking out a loan, you may need comprehensive coverage, including comprehensive and collision coverage. While basic insurance protects you if you damage someone else’s car in an accident, comprehensive coverage also covers your damages and medical bills.

Once you provide your insurance company with the details of the car you are buying, they will calculate your rate. Your premium may increase or decrease based on the value of the new car, as well as the value of your previous car. The good thing is that you don’t have to stay with your current provider. If they raise your rate too much, or you want to see what other companies offer, you can always switch providers.

How to insure a new car

If you already own a car

It would help if you decided whether you want to transfer your current policy to your new vehicle or whether it would be better to cancel your current policy Remember to take out a new policy to cover your new vehicle.

If you plan to keep your new car alongside your old car

Whatever you do, you must tell your insurer when you buy a new car, even if your new car is a second (or third, fourth or fifth) car. You need to inform your insurer as they need to know how many cars are kept in the household.

If you are replacing your current vehicle

Contact your insurer and ask if they are willing to take out a new insurance. Keep in mind that they may charge you to change the details of your car and the car may affect the price, especially if it is more valuable or powerful than your current car.

How Soon After Buying a Car Do You Need Insurance?

Buying car insurance before you get your new car is usually best. If you already have car insurance for another vehicle, you don’t need to buy another plan. Most insurance companies offer a short grace period during which your new car is covered. Depending on the dealership and whether you’re buying your new car with a loan, you may need to show proof of insurance before taking your new car home.

If you’re buying a car from a private seller, they usually don’t ask for proof of insurance before taking delivery of the new car. However, you must remember that driving without insurance is illegal and can cost you a lot of legal fees and more if you get into an accident.

Can you switch insurance to a new car?

When you buy a new car, your existing car insurance should be covered first — usually with the same level of coverage as your old car. This is known as the grace period. For this reason, a car dealership may permit you to drive your new purchase off the lot after presenting proof of current insurance and signing a form pledging to insure the vehicle.

Yet in this situation, it will not take long for a new policy to emerge.

If you prefer to stay with your current insurer, make sure to inform your insurance company immediately after buying the car. Some insurers may give you extra time to add a new car to your policy (eg if you buy a new car over the weekend). But if the grace period isn’t available, you’ll need to add your new car to your policy before leaving the dealership.

New Car Insurance

If you trade-in or sell your old car, you may be able to transfer your existing insurance coverage to your new car. But be sure to review your existing policy’s coverage options before making changes. Your previous selections may not be suitable for your new vehicle So it is important to re-evaluate how much car insurance you need now. It is also wise to compare insurance quotes, policy options, and possible insurance discounts from different providers. Rate shopping can help you make sure you’re getting the best deal for the type of coverage you want.

If you are satisfied with the rate and coverage offered by your current provider for your new car purchase, you can proceed.

When you transfer coverage to a new car, your premium will likely change because the value of your new car will be different from your old car. This is true even if you don’t adjust the amount of coverage. Of course, if you change the type of insurance you carry (eg, adding comprehensive car insurance when you previously only had liability coverage) or the deductible in your insurance policy, those adjustments will affect your premiums as well.

Insuring a new car without previous coverage

Some drivers may need to set up brand-new car insurance when buying a car. If you’re in this position, it’s important to secure adequate insurance before driving your new car for the first time – even if you pay cash, if you drive without car insurance, you could be putting yourself at financial risk or, worse, violating state laws.

How can I obtain car insurance before purchasing a car?

Driving without insurance is illegal. However, you can set up insurance coverage before you own a car, such as a non-owner policy or insurance for the type of car you plan to buy.

Alternatively, you can apply for a temporary car insurance binder before buying a new car. A binder is a document that insurers provide to serve as proof of insurance for lenders. This document can also fulfill legal insurance requirements until your formal auto policy is approved.

Importance of Car Insurance

When you contact an insurance agent and direct carrier to set up coverage for the first time, the car insurance quote you receive will vary based on the type of coverage included. Here are some common coverage options:

Liability insurance covers damages to other vehicles and medical expenses for the driver and passengers in case of an accident where you are at fault. Almost all states require a minimum amount of liability coverage for legal driving.

Comprehensive insurance is optional coverage that pays for certain types of damage to your vehicle that does not involve a collision (such as theft, vandalism, storm damage, etc.). If you finance or lease your vehicle, the lender may require you to carry such coverage.

Collision insurance can cover the cost of repairing or replacing your vehicle if someone steals it or you get into an accident. If you finance or lease your vehicle, the lender may require you to carry such coverage.

Personal Injury Protection (PIP) insurance can help pay for medical expenses for you and your passengers after a covered accident.

Full coverage car insurance is an auto insurance policy package that describes liability, comprehensive, and collision coverage – sometimes more.In states where the law requires it, comprehensive coverage includes uninsured motorist coverage if you are involved in an accident, along with insufficient coverage.

“Tips for obtaining the best car insurance for your new car”

Insuring a new car can seem overwhelming in this era of rising car insurance costs. These tips can help you ensure you get the coverage you need while keeping your insurance costs low.

“Remember to shop around: No matter what type of insurance you want to buy, it’s smart to get quotes from several insurance companies. Comparing auto insurance quotes, which you should do while shopping for a car, can help you find affordable car insurance.”

Assess your coverage needs: Your insurance requirements may vary for a new car versus an older car. Consider the price of your new car (or the car you plan to buy) and how you plan to use the new car. A car you drive every day may need different coverage than a car that sits in your driveway most of the time. 

Tips For Car insurance

Understand your state’s minimum car insurance requirements and coverage limits: Most states require you to carry basic liability insurance that covers the other driver in the event of an accident. Please keep in mind the following information:

• State minimum coverage limits: The state often sets minimum coverage limits (commonly referred to as 25/50/25, or at least $25,000 per person for injuries, $50,000 for injuries per accident, and $25,000 for property damage per accident), but these may not provide sufficient financial protection in the event of a major accident.
• Gap insurance: Determine if you need gap insurance. If you are financing or leasing a new car, your lender will likely require gap insurance. “This insurance covers the gap between what your insurer pays and the amount you still owe on a car that has been totaled or stolen. Although it costs a little extra, gap insurance saves you from paying cash on your loan balance if your car gets involved in an accident.”

Consider additional coverage: If you finance or lease your new car, the lender may require you to carry comprehensive and collision coverage. But even if you pay cash for your new purchase, you may want to consider adding this extra coverage to protect your financial investment. Additional features like roadside assistance and rental car reimbursement are also great.

Remember to search for discounts: numerous insurance companies provide discounts that can help you save a significant amount of money. Bundling coverage (using the same company as your homeowner’s or renter’s insurance), taking a defensive driving course, getting credit for good grades, or signing up for a telematics device to track your mileage are all discount opportunities. It’s also a good idea to find out the customer satisfaction ratings of any company you’re considering.

Shop Around and Find the Best Rates

If you’re in the market for a new insurance provider for a car you’re interested in buying, it’s a good idea to get quotes from a few different providers. You have the option to request quotes independently or collaborate with an independent agent who can offer you quotes from multiple providers. Here is some information you will need to get the right insurance quote:

• Full names of all drivers who the policy will cover
• Date of birth of all drivers in the policy
• VIN is not only for your new car but also for any other vehicle covered by the policy
• Social Security Number of all drivers on policy
• your address
• A copy of the declaration page from your previous insurance company

According to Polycygenius, you should avoid driving your new car home altogether, unless you still have existing coverage. Otherwise, you could get a ticket, or worse, risk an accident for which you are not covered. Insurance is a legal requirement in most of the US, and driving without it can lead to the suspension of your license. Additionally, if you’re in an accident and you’re not currently covered, you may still have to make payments on your car, even if it’s totaled.

Best Rates For Car Insurance

You have the option to cover both your own and the other driver’s compensation costs out of pocket. Even if you live in one of the few states that don’t require insurance, you’re still financially responsible for any damages you incur in an accident, and without adequate coverage, you could end up paying thousands of dollars in repairs and treatment. 

 

It is ideal to buy your insurance policy before you buy a new car. This ensures you know what rates to expect, as well as protects you when you drive your car home. “Take the time to compare prices before selecting a policy.”