Insurance guide for new drivers in the United States: What should you pay attention to when buying car insurance for the first time?

Are you a new driver who is buying a car for the first time in the United States and is ready to hit the road? Then choosing the right auto insurance will be an important step towards safe driving. Starting from 2025, the auto insurance policies of most states have been adjusted. New drivers need to choose insurance plans more carefully to avoid wasting money.

1. What do you need to prepare before buying your first car insurance?

•Driver's license number and vehicle registration information

•Social Security Number (SSN) or ITIN

•Driving history (even if there is no record, you must report it truthfully)

2. Basic car insurance configuration recommended for novices

•Minimum liability insurance : meets state legal requirements and is suitable for those with limited budgets

•Collision insurance + comprehensive insurance : It is recommended for novices who buy cars with loans to add them to protect their own vehicles

•Roadside assistance or car rental subsidy services : New drivers often use them to be prepared

3. How to choose the insurance company that suits you?

•Check customer reviews (Trustpilot, BBB ratings)

•Focus on claims settlement speed and customer service

•Choose a company that has a discount program for young drivers (e.g. Progressive, Allstate)

Tips for reducing first-year premiums

1.Provide a clean driving record (if you have an international driver's license record)

2.Install a dashcam (helps apply for safe driving discount)

3.Avoid buying excessive insurance and do what you can afford

Tip:

Some states allow new drivers to be added to a parent's policy, which can significantly reduce starting premiums.

Conclusion:

Don’t panic when buying car insurance for the first time. The key is to understand your needs, understand insurance terms, and make rational choices. Remember,You are not buying "cheapness", but "peace of mind".