Question posed by Mokaddasa: How do I find out my car insurance rates before I get a car?
I haven’t bought a car yet because a lot depends on how much insurance will be. I’m a 27 single female living in Boston, I’ve had a license since 18 but never drove so it expired and I recently renewed it. I don’t have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.
The top answer:
Answer by A Very Helpful Guy
Hello,
Yes, the rates you pay for car insurance do depend on a lot of factors:
Age
City, State
How many previous accidents you’ve had
Year of vehicle
Make of vehicle
The best thing you can do is actually call up a few of your local car insurance companies and get some ballpark figures. The important thing is, is to find one that you like and trust and who gives you a decent quote.
Your next step would be to go to a car dealership, take the number of the insurance companies who quoted you the best prices along and find a car that you like and can afford. After you take it for a test drive and get as much information as you can such as if it’s being sold “as is” or comes with some sort of warranty etc…
Before any money changes hands or you sign any paperwork at the dealership, call the insurance company from the dealership. Give them the specifics of the car. They will then be able to give you a correct insurance quote.
If it’s a reasonable quote for you, by the car. If not, find out what year/make of car from the insurer would make the payments lower and ask the salesperson if they have any of those on the lot.
Even when you do obtain insurance, don’t be afraid to then further call around or check online for cheaper rates. You can always switch after you obtain the insurance.
I hope this helps you. I wish you good luck in getting a car and insurance.
Do you know better? Why not leave your own answer in the comments below!
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