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A Guide to Buying Car Insurance

At BuyCarInsurance.com we are here to help streamline the car insurance buying process for you. Buying car insurance can be overwhelming and scary. The bottom line is if you don’t understand insurance the buying process is even more stressful. We are going to help educate you and give you a few tips along the way. This will hopefully change your car insurance buying experience altogether.

We will provide the best quote from top insurance companies within minutes, no more researching policies, no more analyzing quotes, and no more waiting. BuyCarInsurance.com will provide a quote within minutes.


Why Do I Need Car Insurance?

You need car insurance for a few reasons; to meet your states minimum requirements, to protect yourself, to protect your passengers, to protect opposing parties, and to protect your assets. This is why you need car insurance, plain and simple. You never want to be caught without insurance because you truly never know when you will need it. Being sued and your personal assets being taken isn’t ideal for anyone.


When is The Best Time To Buy Car Insurance?

Don’t be fooled, there is no specific month or time of year to purchase car insurance at a lower rate than the rest of the year. One of the most obvious times to buy car insurance is the moment you purchase a vehicle. We recommend having insurance before you drive away in your new vehicle. In reality, if you are thinking about buying car insurance then now is the best time to buy.


What Type of Coverage Do I Need?

When buying car insurance it is important to know what your state minimum requirements are. These are different in every state, speaking with one of our BuyCarInsurance.com insurance agents can help clear up any state minimum requirement questions you may have.

There are only four states that do not require car insurance; Washington, Montana, New Hampshire, and Virginia. Just because it is not required in these states does not mean it isn’t a good idea to purchase car insurance.

In most states, the minimum requirements will be a designated limit for bodily injury and a designated limit for property damage. Normally these requirements are listed like this: 10/20/10. Here is what those numbers mean.


  • $10,000 of bodily injury per person

  • $20,000 max amount of bodily injury per accident

  • $10,000 the max amount of property damage per accident


There are many other types of insurance policies than bodily injury and property damage. These two are typically the minimum requirements. However, the minimum requirements may not provide the protection you are wanting. Here is a list of additional insurance options:


  • Liability Insurance

  • Collision Coverage

  • Comprehensive Coverage

  • Personal Injury Protection

  • Uninsured/Underinsured Motorist


What Information is Used to Decide My Car Insurance Premiums?

There are many factors taken into consideration when setting premiums for car insurance. Each state has its own set of rules they follow. Insurance companies are no different, they all have company-specific rules to follow as well. We compiled a list below of the main factors considered when purchasing car insurance:


  • The make, model, and year of the vehicle

  • Vehicle use

  • Driving records

  • Where you live

  • Age

  • Marital Status

  • Gender (In some states)

  • Credit Score (In some states)


Again, not every state and company have the same requirements. It is important to speak with the agent supplying you with a quote to know what factors they are considering. This will help immensely when you are comparing quotes.



This is an important aspect when looking for car insurance. A deductible is the amount of money you are required to pay before your insurance will start paying any damages. So for instance, if you have a $500 deductible and you are in an accident and found at fault, you would have to pay $500 before your insurance would make any payments. If the cost for repairs is $10,000, you would be responsible for $500 and then your insurance company would pay the additional amount up to your policy maximum limits.


Getting a Car Insurance Quote and Comparing the Rates

Now that you know what factors are taken into consideration when getting a car insurance rate, it is time to get a quote. We always recommend comparing quotes to make sure you are getting the best coverage for the best price. It is highly encouraged to compare at least three quotes. This gives you a well-rounded sense of the market.

One of the biggest reasons to compare is to make sure your quote is still relevant. We recommend comparing rates yearly, even if there are no significant life changes happening in your life because rates change regularly. Other times you want to review and compare rates are:


  • Buying a new car

  • Getting married

  • Getting divorced

  • When you move

  • Adding or removing a driver

  • Adding a teen driver

  • A teen driver moving away or going to college

  • Needing/wanting more protection


When you are comparing quotes it is important to make sure you are comparing the same type of coverage and deductible, as well as, the price. Not all companies will offer the same coverage types and deductibles for the same price. A cheaper price does not always mean a better deal.


Get a Quote

Now that you are armed with the information you need to start the shopping process it is time to get a quote. At BuyCarInsurance.com we try to make it as simple as possible for you to compare insurance quotes. We offer a simple three-step process to get a quote fast and easy and to compare the rates.  


It's as easy as 1, 2, 3
1. Describe yourself
Answer some easy questions so we can assess your needs
2. Get best options
We find the insurance plans that best fit your profile
3. Select and save!
Choose from the top most cost effective policies