{"id":27269,"date":"2026-04-29T08:22:52","date_gmt":"2026-04-29T08:22:52","guid":{"rendered":"https:\/\/didebta.com\/?p=27269"},"modified":"2026-04-29T08:22:53","modified_gmt":"2026-04-29T08:22:53","slug":"how-to-get-car-insurance","status":"publish","type":"post","link":"https:\/\/didebta.com\/?p=27269","title":{"rendered":"How to Get Car Insurance"},"content":{"rendered":"<div>\n<p>Getting car insurance is a no-brainer. In fact, the law says you\u2019ve got to have it. (Unless you live in Virginia or New Hampshire, that is.) But figuring out\u00a0<em>how<\/em>\u00a0to\u00a0get\u00a0car insurance? Yeah, that takes a little more brain power. From deciding on\u00a0where\u00a0you\u2019ll get your car insurance, to what\u00a0type\u00a0of coverage you need, and then comparing quotes\u2014well, it\u2019s a headache.<\/p>\n<p>Fortunately, we\u2019ve got the step-by-step car insurance advice you need to make the process simple and stress-free. (No aspirin required!) Here\u2019s what that looks like:<\/p>\n<ol>\n<li>Gather all your personal and auto-related information.<\/li>\n<li>Determine what kind of coverage you need.<\/li>\n<li>Choose how to shop for car insurance.<\/li>\n<li>Compare companies and prices.<\/li>\n<li>Pay for your new policy and cancel your old one.<\/li>\n<\/ol>\n<h2><strong>1. Gather all your personal and vehicle-related information.<\/strong><\/h2>\n<p>Before you do anything else, round up the information every car insurance company will request before they can quote you a rate. Here\u2019s what you\u2019ll need:<\/p>\n<p><strong>Personal Information<\/strong><\/p>\n<p><strong>Vehicle-Related Information<\/strong><\/p>\n<ul>\n<li>Vehicle Identification Number (VIN)<\/li>\n<li>Year, make, model, specs, and any customizations<\/li>\n<li>Name of registered owner<\/li>\n<li>Address where the vehicle is registered<\/li>\n<li>Current mileage and\u00a0estimated annual mileage<\/li>\n<li>Date of purchase<\/li>\n<li>Previous or current insurance provider, coverage details, and policy expiration date<\/li>\n<li>What you use the vehicle for (in most cases, this will be personal use as opposed to business)<\/li>\n<\/ul>\n<p>Once you have all this information handy, next up is figuring out what kind of coverage you need.<\/p>\n<h2><strong>2. Determine what kind of coverage you need.<\/strong><\/h2>\n<p>Determining\u00a0what kind of coverage you need\u00a0is usually the trickiest part of the process. Keep in mind that there are different\u00a0<em>types<\/em>\u00a0of coverage, and different\u00a0<em>levels<\/em>\u00a0of each type. And be aware that some policies require you to select a level or amount of coverage for certain coverage types. For example, you can\u2019t just purchase liability coverage and assume you\u2019re covered for whatever happens in that department\u2014you\u2019ll need to specify coverage amounts for both bodily injury and property liability.<\/p>\n<p>Most states require a minimum level of coverage for all drivers\u2014this keeps you and other drivers somewhat protected\u2014and then from there it\u2019s up to you based on what you can afford (unless you have a\u00a0car loan or lease, and then you\u2019ll have a few other requirements too). And don\u2019t assume your state minimums on coverage will be enough to replace your totaled vehicle when the other driver\u2019s at fault. In some cases, settling for the cheapest coverage isn\u2019t always the smartest choice.<\/p>\n<p>Let\u2019s look at the different types of auto insurance coverage so you can get an idea of what\u2019s available.<\/p>\n<h3><strong>The Basic Auto Coverages<\/strong><\/h3>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Coverage Type<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>How Does It Work?<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Liability Coverage<\/p>\n<\/td>\n<td>\n<p>Liability coverage is about as standard as it gets, and most every state requires it. This type of coverage protects you if you cause an accident, damage property, or injure someone with your vehicle. Your insurance kicks in to cover the costs up to the amount you select. (If you own a car with a\u00a0rebuilt or R title, this may be the\u00a0<em>only<\/em>\u00a0coverage you can get.)<\/p>\n<p>Agents sometimes classify liability as a third-party protection because it benefits someone else (not the policyholder) when an accident happens, as opposed to first-party protection like comp and collision.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Comprehensive Coverage<\/p>\n<\/td>\n<td>\n<p>Comprehensive auto insurance\u00a0is another standard form of coverage. In fact, if you lease or finance your car, your lender may even require you to have it. Comprehensive coverage is basically for anything that might happen to your car when you\u2019re\u00a0<em>not<\/em>\u00a0driving it: extreme weather, flood, fire, falling objects, vandalism and theft. Strangely enough, this also covers damage to your car if you hit an animal while driving. You\u2019ll be able to select a\u00a0deductible\u00a0to control the cost of this coverage.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Collision Coverage<\/p>\n<\/td>\n<td>\n<p>If your vehicle is damaged in an accident, regardless of who is at fault, collision coverage covers the cost of repairs. This is another coverage with a deductible. Collision coverage may seem like overkill\u2014after all, if the other driver caused the crash, they\u2019ll have insurance to cover the cost, right? Not always. Sometimes that other driver is uninsured. What\u2019s more, you could be involved in a hit-and-run and not know who did the damage. Then there\u2019s subrogation\u2014a fancy word for \u201cNo,\u00a0<em>you<\/em>\u00a0pay for this!\u201d\u2014and without collision coverage, you\u2019ll be caught holding the repair bill in the meantime. With collision coverage, you only have to pay your deductible.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Uninsured\/Underinsured Motorist Coverage<\/p>\n<\/td>\n<td>\n<p>Unfortunately, just because the law requires car insurance doesn\u2019t mean everyone on the road has it\u2014or has enough. Uninsured and\u00a0underinsured motorist coverage\u00a0protect you if you\u2019re in an accident with someone who doesn\u2019t have insurance or doesn\u2019t have enough insurance to cover damages done to you.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Gap Insurance<\/p>\n<\/td>\n<td>\n<p>The best kind of car is a paid-for car. But maybe you\u2019re stuck in a lease or a loan while you work to pay down debt. If that\u2019s the case, you can be up a creek if your car is totaled and you\u2019re stuck making payments on a car you don\u2019t even have anymore.\u00a0Gap insurance\u00a0is designed to cover the gap between the car\u2019s actual cash value (ACV), including depreciation, and what you still owe.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Personal Injury Protection<\/p>\n<\/td>\n<td>\n<p>More can be affected in an accident than just vehicles. There\u2019s you and your passengers to consider too.\u00a0Personal injury protection\u00a0ensures that medical and rehabilitation expenses are covered for you and your passengers as well as any lost wages. Keep in mind,\u00a0in some states, this one\u2019s mandatory. You might also hear of\u00a0medical payments coverage,\u00a0a related insurance type that offers lower limits (and less coverage) at a more affordable price than PIP.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>So, once you\u2019ve figured out what kind of coverage you need, it\u2019s time to compare car insurance quotes. Make sure to use the same limits and deductibles (how much you owe first before insurance kicks in) for each type of coverage you\u2019re considering. But how do you know what to get? And can you get\u00a0great coverage without breaking the bank? That\u2019s where step three comes in: choosing how to get car insurance.<\/p>\n<h2><strong>3. Choose how to shop for car insurance.<\/strong><\/h2>\n<p>Now that you know what you need to get a quote and what the possibilities are for coverage, you need to decide how to get car insurance. You\u2019ve got three options. You can get insurance:<\/p>\n<h3><strong>1. Directly from an insurer<\/strong><\/h3>\n<p>This avenue gets you insured quickly but is usually best for folks who feel comfortable with the car insurance\u2013buying process. Because you\u2019re going directly through the insurer\u2019s website or through a third-party site that provides multiple quotes from different companies, you\u2019re basically giving up personalized customer service. And when it comes to car insurance, that\u2019s a pretty big deal.<\/p>\n<p>Think about it: If you\u2019ve just been in a serious car accident, do you want to call Doug, your neighborhood car insurance agent, or text with a chatbot to discuss what you need to do next? Without an agent, you\u2019re potentially putting your money\u00a0<em>and<\/em>\u00a0vehicle in the hands of someone who isn\u2019t deeply invested in helping you. Something else to consider? When you request quotes directly from insurers, they\u2019re going to\u00a0<em>immediately<\/em>\u00a0start calling, emailing and texting you. Multiply that by 10 insurers and you might end up throwing your phone out the window!<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Pros<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cons<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Quick coverage<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Lacks customer service<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Can work well for customers who already have experience buying insurance<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Could be leaving yourself open to a purchase that doesn\u2019t truly serve your needs<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">\u00a0<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">You run the risk of getting flooded with messages from multiple insurers<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>2. From a captive agent<\/strong><\/h3>\n<p>The name is a little scary, but we promise you won\u2019t be held ransom while buying car insurance! Remember Doug from above? Doug is a\u00a0captive agent. That means he works for an insurance company and sells policies to customers like you who are wondering how to get car insurance. He remains your point of contact whenever you need to\u00a0file a claim\u00a0or change your policy. If you have multiple or complicated policies, you have a dedicated person to help you navigate them. And most of all, a captive agent is going to walk you through all the coverage options and help you to understand what\u2019s best for your vehicle and budget.<\/p>\n<p>The downside of a captive agent? They work for one company, so as far as quotes go, what you see is what you get. They\u2019re not able or going to show you their competitors\u2019 rates. Plus, most agents work on commission, so make sure you\u2019re not buying something you don\u2019t need.<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Pros<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cons<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">A dedicated person to help you with claims or policy adjustments<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">They work for only one company<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Can help you navigate multiple policies<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">You won\u2019t see any competitors\u2019 rates<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Will walk you through all the coverage options<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">They work on commission, so be sure what they\u2019re selling is something you need<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div>\n<div id=\"3\">\n<h3>\u00a0<\/h3>\n<h3><strong>3. From an independent agent or broker<\/strong><\/h3>\n<p>Finally, you\u2019ve got\u00a0independent agents or brokers. These folks will do all the work you\u2019d be doing on your own if you bought directly from an insurer. They\u2019re the go-between that saves you the hassle of shopping around. Plus, they can help you understand how much coverage you need with the budget you have. Independent agents contract with multiple companies to get you the best rates. Independent\u00a0<em>agents<\/em>\u00a0represent the different insurance companies they work with while independent\u00a0<em>brokers<\/em>\u00a0represent you.<\/p>\n<\/div>\n<p>A drawback to independent agents and brokers is that they don\u2019t represent the full range of possible coverage. You\u2019ll still get access to multiple quotes but may not get quotes from some of the bigger names in insurance that have captive agents on staff. Both agents and brokers work on commission, so they\u2019re motivated to sell you something. Just make sure it\u2019s something you actually need.<\/p>\n<p>If you decide to buy car insurance locally through an independent insurance agent (and we think you should), we have some folks in that line of work you should meet: our RamseyTrusted<sup>\u00ae<\/sup> insurance pros. They\u2019ve helped tons of people find coverage to meet their needs\u00a0<em>and<\/em>\u00a0budget. How do they do it? It\u2019s called independence. Because they aren\u2019t dedicated to one insurance company, they can shop around to get you the best rate.<\/p>\n<p>\u201cMy husband and I just shopped our home, auto and umbrella insurance[s] with a (Ramsey)Trusted pro,\u201d Katie B. explained in the Ramsey Baby Steps Facebook Community. \u201cOur agent was absolutely amazing and gave us such great advice, we are saving hundreds! [She\u2019s] also handling all of the setup of the new policy and cancellation of the old policies.\u201d<\/p>\n<p>Saving on car insurance\u00a0<em>and<\/em>\u00a0your other coverages is easy, and having a RamseyTrusted pro help you take care of the switcheroos and setup is a huge plus.<\/p>\n<p>Independent agents and brokers also have local offices (unlike the big guys at the 800 numbers), so they\u2019re going to be very familiar with your local and state insurance laws.<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Pros<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cons<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Represents you when talking with the insurance companies<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">You may not get quotes from some of the bigger insurance companies<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Shops options for you from multiple companies to get you the best rates<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">They work on commission, so be sure what they\u2019re selling is something you need<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Helps you understand your coverage needs<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>4. Compare companies and prices.<\/strong><\/h2>\n<p>You\u2019re in the homestretch! It\u2019s time to gather all your quotes. Don\u2019t forget to compare apples to apples\u2014that means you need to get quotes for the same coverage limits and deductibles for each option.<\/p>\n<p>Cheaper is not always better, and customer service and satisfaction can\u2019t be overlooked. Remember, we get insurance to cover us if trouble comes up. So, who do you want on your team when there\u2019s trouble?<\/p>\n<h3><strong>Differences in Rates Among Insurers<\/strong><\/h3>\n<p>An independent agent is on your side. That means they\u2019re in the best position to find the best priced coverage among a range of insurers that\u2019s tailored for what you need (and nothing you don\u2019t). They have experience working with insurance companies and can recommend the best policy for the carriers they have the best experience with.<\/p>\n<h2><strong>5. Pay for your policy and cancel your old one.<\/strong><\/h2>\n<p>All that\u2019s left to do is pay for your new policy and\u00a0cancel your old one. The insurance company you go with will let you know their payment options. This next part is important. Don\u2019t cancel your old or existing policy\u00a0<em>until<\/em>\u00a0the new one is active. Accidents do happen, and you don\u2019t want to be without coverage for even one second.<\/p>\n<h2>Insurance Can Be Confusing. We Have Someone Who Can Help.<\/h2>\n<p>RamseyTrusted<sup data-renderer-mark=\"true\">\u00ae<\/sup> insurance pros are independent and vetted\u2014and they help you fill the gaps in your policies. They make getting insurance (like home, auto and umbrella) one less thing to stress about. Plug in your zip code to connect with an agent who understands the coverage needs in your area.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<h2>\u00a0<\/h2>\n<h2><strong>What to Look for When Buying Car Insurance<\/strong><\/h2>\n<h3><strong>Car Insurance Savings<\/strong><\/h3>\n<p>Here\u2019s the simplest, easiest thing you can do to get cheaper car insurance. You ready? Here it is: Ask for a discount. That\u2019s right, call up your insurance agent or company and say, \u201cWhat discounts am I eligible for?\u201d<\/p>\n<p>Clean driving record? Discount. Bundle a homeowners or renters insurance policy? Discount. Multiple car insurance policies? Discount. In college? You might qualify for a student discount on car insurance too. An insurance company\u2019s job is to keep your policy with them. They\u2019ll want to help you look for reasons to stay.<\/p>\n<p>Want even cheaper car insurance? Think about the last time you shopped for car insurance rates. If it\u2019s been a year or more, it\u2019s time to take a spin through the steps we just outlined above. Shopping for quotes is a very effective way to get cheaper car insurance. Maybe you\u2019ve got a new car, a paid-off car, an old beat-up car that would be totaled if you bumped into a mailbox\u2014any changes to your car situation mean it\u2019s a good time to shop around. Or, at the very least, it\u2019s a good time to check in with your current provider to see about making some coverage edits.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<h3><strong>Personalized Auto Coverages<\/strong><\/h3>\n<p>Some coverage types are universal for all drivers. But don\u2019t forget the policies and laws that apply to your specific area or situation. Car insurance is not a one-size-fits-all kind of protection.<\/p>\n<p>Liability coverage is legally required for just about everyone on the road. It covers damages or injuries to other people or their stuff when you\u2019re found at fault in an accident. You\u2019ll for sure need this kind of coverage. But keep in mind . . . there are other policy types that aren\u2019t strictly required but are still a great idea to consider. Depending on your state\u2019s laws, you might be legally\u00a0<em>required\u00a0<\/em>to have one or more of the coverage types above and beyond liability. For example, 12 U.S. states currently require\u00a0personal injury protection\u00a0(which we described in detail a little earlier). And even if your state doesn\u2019t require it, it can be a great extra layer of protection for you.<\/p>\n<h2><strong>Mistakes to Avoid When Buying Car Insurance<\/strong><\/h2>\n<p>Don\u2019t freak out. Buying car insurance doesn\u2019t have to be expensive, scary or stressful at all! But we\u00a0<em>do<\/em>\u00a0want to mention a couple of common pitfalls you should avoid when you\u2019re shopping.<\/p>\n<h3><strong>New Driver Car Insurance Cost<\/strong><\/h3>\n<p>New drivers tend to pay more for their car insurance. That\u2019s understandable since they don\u2019t have much of a driving record yet. But even if you\u2019re a rookie, don\u2019t assume you have to go broke to get coverage. There are\u00a0things you can do\u00a0that could get you a discount:<\/p>\n<ul>\n<li>Completing a driver\u2019s ed course<\/li>\n<li>Getting good grades (because academic responsibility ties with good driving)<\/li>\n<li>Driving a reliable, used car (they\u2019re cheaper to insure)<\/li>\n<\/ul>\n<h3><strong>Buying at the Wrong Time<\/strong><\/h3>\n<p>How can there be a wrong time to get an essential protection like car insurance? You\u2019d be surprised! We don\u2019t recommend shopping rates right after:<\/p>\n<ul>\n<li>You\u2019ve had an accident<\/li>\n<li>You\u2019ve been cited for a traffic violation<\/li>\n<\/ul>\n<p>That kind of thing will definitely bring higher prices for a while.<\/p>\n<p>On the other hand, there are certain life events that make it easier to get a better car insurance rate, like getting married. Are we serious? It\u2019s true! Insurance companies now view you and your spouse as more stable and responsible, and they\u2019ll probably give both of you lovebirds a break on your premiums.<\/p>\n<h2><strong>Still Can\u2019t Get Car Insurance?<\/strong><\/h2>\n<p>Are you still having trouble getting insured? Whether it\u2019s those youthful fender-benders (hey, we\u2019ve all been there) or your oh-so-stealable Kia, sometimes finding the right auto policy is a challenge.<\/p>\n<p>If you need car insurance but have been turned down, don\u2019t give up! Talk to one of our RamseyTrusted auto insurance pros to see what your options are. No matter how many no\u2019s you\u2019ve heard, you might be able to get yourself car insurance by\u00a0bundling it with other coverages. (And you could save money while you\u2019re at it!)<\/p>\n<h2><strong>Get the Right Car Insurance Policy for You<\/strong><\/h2>\n<p>Getting good car insurance can be a hassle\u2014and that\u2019s\u00a0<em>before<\/em>\u00a0you throw in worries about your agent or insurance company being reliable. But it shouldn\u2019t be that way! Whether you\u2019re getting car insurance for the first time, comparing rates, or trying to estimate insurance costs before buying a new car, you want to work with someone you can trust.<\/p>\n<p>Connect with a RamseyTrusted agent today so you can drive stress-free!<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/insurance\/how-to-get-car-insurance\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting car insurance is a no-brainer. In fact, the law says you\u2019ve got to have it. (Unless you live in Virginia or New Hampshire, that is.) But figuring out\u00a0how\u00a0to\u00a0get\u00a0car insurance? Yeah, that takes a little more brain power. From deciding on\u00a0where\u00a0you\u2019ll get your car insurance, to what\u00a0type\u00a0of coverage you need, and then comparing quotes\u2014well, it\u2019s<\/p>\n","protected":false},"author":1,"featured_media":27270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-27269","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get Car Insurance | Didebta<\/title>\n<meta name=\"description\" content=\"Getting car insurance is a no-brainer. In fact, the law says you\u2019ve got to have it. (Unless you live in Virginia or New Hampshire, that is.) 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