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Buying Car Insurance for the First Time

Purchasing car insurance for the first time can be quite confusing.  Insurance4usa.com is here to help.  A few items are needed to complete this transaction.

First the insured must be of legal age in the state the insurance will be purchased (usually age 16), must have a valid drivers license and own a vehicle in their own name (technically, you need the insurance prior to purchasing the vehicle and driving it off the lot).  Once these requirements are met, insurance can be purchased.

Contact an insurance agent or insurance company to purchase a policy.  A series of questions will be asked and must be answered truthfully in order to get the best rate.  The information the agent will need is the following: Name, address, phone number, date of birth, driver’s license number, social security number, vehicle identification number, how far you travel to and from work/school, the insurance coverage you're looking for, and discounts available on the vehicle (the agent will ask these and you can answer yes or no). 

The agent should be able to obtain a quote on the same day, however allow one day of lee time to make sure the agent can be thorough in getting the best coverage and price.  We recommend that you obtain at least three insurance quotes to be sure you are making a fair comparison and determine the best price.  Use the quote form below if you would like Insurance4usa.com to help with this process.  Once your decision is made, you will need to sign applications and deliver a down payment to the agent.  The agent will give you Identification cards for your vehicle to show proof of coverage.

After the insurance coverage is in force, take the proof to the department of motor vehicles (DMV) and register the vehicle with the necessary paperwork (title, driver’s license, insurance).  The DMV will issue you license plates and temporary registration.  Place the plates on the car and registration in the window and you’re all set to go.  Now you just need to make the car and insurance payments to stay current.

To review:

1. Obtain drivers license
2. Purchase a vehicle
3. Contact insurance agent or company to obtain coverage
4. Register vehicle (bring proof of insurance and other paperwork to your state DMV)

We hope this helps. Good luck with your new car and drive safely.