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  • The Roy Agency

9 Tips Every First-Time Auto Insurance Buyer Should Know

Updated: Jan 16

If you're in the market for your very first automobile insurance policy, congratulations! You're about to enter into a world of discounts, coverage options and endless comparisons. With so much to consider, how can you be sure that you're getting the best deal for your money? Check out the following tips for first-time auto insurance buyers and start shopping with confidence.

1. Do Your Homework

When it comes to auto insurance, you can't just go with the first company you come across. It's important to do your research and compare rates from a few different insurers before making a final decision. Use an online comparison tool like The Zebra to get started.

2. Consider Your Coverage Needs

What kind of coverage do you need? If you're financing a car, your lender will likely require that you have full coverage. But if you own your car outright, you may be able to get by with just liability insurance. Consider what kind of coverage is right for you and shop around.

3. Know Your Discounts

Auto insurers offer various discounts to help you save money on your premium. Some common discounts include those for good drivers, safety features, multiple policies and more. Be sure to ask about discounts when you're comparing rates.

4. Shop Around

Don't just accept the first auto insurance quote you receive. Be sure to shop around and compare rates from a few different companies before making a final decision.

5. Review Your Policy Regularly

Your insurance needs may change over time, so it's important to review your policy regularly. Make sure you're still getting the best deal for your money and adjust your coverage when needed.

6. Ask Questions

If you're ever unclear about something in your policy, don't hesitate to reach out to your insurer for clarification. It's better to ask questions and be sure you understand your coverage than to make a mistake that could cost you in the long run.

7. Personal Accident Cover

Personal accident cover is an optional extra that can provide you with financial protection in an accident. If you're a first-time auto insurance buyer interested in this type of coverage, compare quotes from a few different insurers to consider the best deal.

8. Know About The No-Claim Bonus

The no-claim bonus is a discount applied to your premium if you don't make any claims during the policy period. This discount can be a great way to save money on your auto insurance, so be sure to ask about it when you're shopping around.

9. Keep the Insurance Policy in Mind When Customizing Your Car

If you're thinking about adding any aftermarket modifications to your car, check with your insurer first. Some modifications may result in a higher premium, so it's important to factor that into your decision.


When you are a first-time auto insurance buyer, there's a lot to consider. You need to do your homework, compare rates and coverage options, and know about all the available discounts. With these tips in mind, you can be sure that you're getting the best deal for your needs. Happy shopping!

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