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Progressive car insurance for the first-time car buyer: policy options and costs

Buying your first car is an exciting proposition. Progressive can help you protect it with the right insurance

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When you're ready to buy your own car, you should also be ready to buy your own auto insurance. Progressive car insurance for the first-time car buyer offers several policy options and ways to lower your costs.

Car insurance basics

If you are a first-time car buyer, there’s a good chance you are also a first-time car insurance buyer. That being the case, it's a good idea to become educated on how car insurance works.

(For more detailed information on car insurance basics, click here.)

Buying car insurance is what many states consider “taking financial responsibility” in your duties and responsibilities as a licensed driver. You purchase a basic policy, paying a premium (usually monthly) for it. This basic policy should include your state mandatory minimum liability auto insurance requirements.progressive insurance for first-time car buyers

In addition to the minimum state coverage requirements, you can purchase add-ons to your insurance policy (known as insurance riders). When you buy Progressive car insurance as a first-time car buyer, you can add the following levels of coverage:

(Click on any of the above coverage options for more information)

If you're financing your first car, the lenders will likely require you to carry collision coverage and comprehensive coverage on your car. These two types of coverage protect them in case you total the car.

If your first car is a new car, gap insurance is crucial when your vehicle is totaled.

Costs & discounts

There will be many factors involved in determining what you will pay for auto insurance coverage as a first-time car buyer:

  • Where you live
  • Your age
  • Your gender
  • The amount of driving you do
  • Your driving history
  • The type of car you buy
  • Your credit score/history
  • Your profession

As a first-time car buyer, you may be a bit surprised at what car insurance coverage can cost you. Fortunately, insure that first car with progressive car insuranceProgressive car insurance for a first-time car buyer offers a number of discounts you may be eligible for that can lower that costs:

  • E-sign – gives you an immediate $50 savings if you “sign” your insurance coverage documents online
  • Homeowners – if you are a homeowner and a first-time car buyer, you can get a discount by adding (bundling) your car insurance with Progressive homeowners insurance
  • Pay-in-full – if you are in a position to pay your entire premium up-front, Progressive will give you a discount
  • Snapshot® – is an in-car monitoring service that, if you agree to it, can provide you additional savings based on your driving habits

The final price of Progressive insurance for your first car depends on the level of coverage you desire. One helpful feature from Progressive is its Name Your Price® tool. You can go online with Progressive and view potential coverage packages that fit within your budget. For example, it will show you that with higher levels of coverage or more optional coverage features and lower deductibles, your premium costs will be higher. If this first car of yours is a more moderate investment, you can plug in this detail and let Progressive make a suggested coverage level for you.

Progressive also offers you a number of select, comparative quotes for car insurance coverage from its competitors when you plug your information in using their online tools.

 

Of course, having the advice and support of an experienced car insurance professional on your side when you consider insuring your first car will be an added bonus. Reply! can help you in this by connecting you to local car insurance professionals eager to help you protect you first car with the right insurance package.

Free Quotes! Click here to get your first-time Car Insurance estimates now!