How Much Does It Cost To Get Car Insurance For The First Time?

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   Dennis Harvey

   Owner, Dennis Harvey Agency: Farmers Insurance, Dallas, TX

   There are many factors that contribute to car insurance rates. Experience is one of them but it isn't weighted as heavy as other factors such as credit, driving history, and claims history. Another factor that will weigh heavy on rating would depend on if you are getting insurance for the first time because you just purchased a car or getting it for the first time while owning a vehicle for an extended period of time. As long as you can show proof (i.e Bill of Sale) that you made the car purchase without a trade in, most companies will not apply a tremendous surcharge. I recommend that you shop around because every company is different in their standards. I would stick with face-to-face quotes so you can ask all the questions that you have on your first insurance purchase. insurance is one of the few things that a human will outsmart a computer at anytime.

   Answered on September 12, 2014

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