How to Buy Car Insurance

Research various auto insurance quotes, online or through local brokers, before buying a car insurance policy.

How to Buy Car Insurance
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Overview
In most states in America, if you are driving a car, you need to be able to prove you have auto insurance. If you get pulled over and are unable to prove you are insured, you may get a ticket, have your license revoked or even be arrested for driving while uninsured. Buying car insurance can be a simple process that protects you and your family in the case of an accident.
Step 1
Get your personal information together before setting out to buy insurance. While some companies require a copy of your driving record, most require just your driver's license number and basic information about your driving history, such as the number of accidents you've been involved in or tickets you've received. Insurance companies will also need the vehicle identification number, or VIN, for the vehicle you are insuring. Each vehicle has the VIN etched into metal, just under the driver-side windshield. The number can be seen easiest by standing on the outside of your car looking into the windshield.
Step 2
Call or visit multiple insurance companies before making a final purchase. Some insurance company websites offer quotes from other companies along with their own to help you compare options. If you are unable to visit company websites, calling multiple locations will also give the desired results. How much you pay will depend on your age, your gender, your driving history, your credit rating and the type of vehicle you drive.
Step 3
Decide how much coverage you need. Depending on the state, you may need various levels of coverage. You should decide whether you want to have full coverage that will cover a wide assortment of accidents and incidents or basic coverage that just meets the requirements for your state. Contact your local Department of Motor Vehicles or check with the insurance company to find out your state's insurance rules.
Step 4
Review the policy you've selected before you sign the contract. Make sure you understand all parts of your policy clearly. Sometimes companies add extras that cost you unnecessary money, or leave important information to the fine print of the document. It only takes a few moments to reread the policy to make sure it's what you want, possibly saving you hours of frustration later on.
skill
2
ingredient
Valid driver's license

Vehicle

Enough money to cover at least six months of coverage

ingredients
Valid driver's license
ingredients
Vehicle
ingredients
Enough money to cover at least six months of coverage
tip
Some insurance companies will not insure you if you do not already have auto insurance. This is easily avoided by not letting your current coverage lapse before buying new insurance.
tips
Some insurance companies will not insure you if you do not already have auto insurance. This is easily avoided by not letting your current coverage lapse before buying new insurance.
keyword
insurance, auto, car, coverage
keywords
insurance
keywords
auto
keywords
car
keywords
coverage

Resources
reference
Insurance Tips: Steps to Buying Auto Insurance
reference
CarBuyingTips.com
resource
Auto Insurance Quotes