Buying Car Insurance For The First Time

You just bought your first car. The open road is calling your name. All you need now is the right car insurance plan. At Ashley Insurance, we happily serve guests of all ages and stages of life. If this is your first time buying car insurance, this is your go-to guide.

Buying Car Insurance for the First Time,

What You Need:

There are just a few things you will need to provide when you purchase your vehicle’s insurance. For starters, you will need to know about the different types of auto insurance you’d like to include in your policy. You will also need to provide some important details about your car, including the year, make, and model. Additional personal information and documentation will also be required:

  • Your valid drivers’ license
  • Date of birth
  • Address
  • Occupation
  • Marital status
  • Education level
  • Driving history
  • Insurance history

For future reference, your driving history affects your insurance rates. So does your location. While you may not have much control over the location factor, driving safely is the best way to ensure you receive the lowest possible rates after buying car insurance for the first time.

How to Buy Car Insurance for the First Time

Insurance Tips For First Time Car-Buyers

Anyone wondering how to buy car insurance for the first time could benefit from a tip or two. Here are just a few of the basics that will help you during the process:

  1. You can and should get insurance before you buy your car – All you need is the VIN (Vehicle Identification Number). If you already picked out the car you plan on buying, contact the dealership to find out the VIN and our experts will get you started.
  2. Cost varies – For first time buyers, car insurance typically costs slightly more than for experienced drivers. This is normal. Experienced drivers are considered at a lower risk level. As long as you drive safely, your rates will go down eventually!
  3. Compare quotes – All insurance companies are different. At Ashley Insurance, we offer great rates no matter your driving experience. Use our Get A Quote tool to compare rates across various insurance companies so you can ensure you are getting the right plan.
  4. Find out what is required – In some states, higher levels of insurance are required by law. Speak with our experts to create a plan with everything you will need. Skipping this step could leave you paying for unnecessary expenses.
  5. Purchase as much insurance as you can afford – While it’s not necessary for you to purchase every little bit of coverage, you should still try to make sure that your vehicle is as protected as possible. Our experts can help you figure out which types of coverage you may need. At the very least, those buying car insurance for the first time should purchase minimum liability coverage.
  6. Think carefully before changing your policy – Here’s a few ways you can intuitively time future auto insurance policy changes.

If you are a parent looking for tips on insuring your teen driver, click here!

Do I Need Insurance To Own A Car?

The short answer is, yes. In fact, car dealerships should not even allow you to leave the lot without car insurance. Dealerships aren’t as concerned if you are buying the vehicle outright, but those who are financing or leasing will often need to purchase comprehensive and collision coverage.

Car Insurance for First Time Buyers

Find the Right Auto Insurance Plan

Don’t let your car insurance cause you too much stress. This basic requirement is simple and affordable to acquire, as long as you have the right insurance company that is working for you. Contact the team at Ashley Insurance to hear about our low rates and receive more guidance about buying car insurance for the first time!

I’m well over sixty. Should I invest in life insurance?

Life insurance can create peace of mind for many people. It’s helpful to know that your family will have access to money in the event of your death. Your beneficiaries will have money to pay for living expenses and perhaps your burial as well. Life insurance has many benefits.

There are different kinds of life insurance that you can invest in to meet your needs as well. Our team at Ashley Insurance is dedicated to helping Easton, MD residents.

What is Life Insurance? 

Life insurance is designed to pay a beneficiary that you designate a set sum of money upon your death. It’s a contract between yourself and an insurance company where you pay a monthly premium in return for coverage. Your beneficiary can use the money they get in any way they choose.

I’m well over sixty. Should I invest in life insurance?

Life insurance may be a vital necessity if you’re sixty years old and don’t have one. At this age, if you were to pass away, you’d likely leave your family with debt or challenge their lifestyle.

You’re at a pivotal age where transitions and change may be rapidly occurring. Having the right kind of security in the form of life insurance can be extremely beneficial as you continue to age. It not only has the ability to create peace of mind for you but your family as well.

This is a time when you need to evaluate your life and your financial goals. Life insurance can help with this.

Get The Right Coverage For Your Needs

If you have questions about life insurance as an older person, call us at Ashley Insurance. We’d be happy to help you explore your options in Easton, MD.