Question by Mokaddasa:
How do I find out my automobile insurance rates before I get a car?
I have not purchased a automobile yet because a lot depends on how much insurance will be. I am a 27 single female living in Boston, I have had a license since 18 but never drove so it expired and I recently renewed it. I do not have anything on my record. I would be the only person on the insurance. I went on the web but they required the make and year of your automobile to compute the rates.


——————————————

Answer by A Very Helpful Guy
Hello,

Yes, the rates you pay for automobile insurance do depend on a lot of factors:

Age
City, State
How many previous accidents you have had
Year of vehicle
Make of vehicle

The ideal thing you can do is actually call up a few of your local automobile 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 automobile dealership, take the number of the insurance companies who quoted you the ideal prices along and find a automobile 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 automobile 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, do not be afraid to then further call around or check on the web 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 automobile and insurance.

——————————————
Add your own answer in the comments!

Related posts:

  1. Q&A: WHAT’S THE DIFFERENCE BETWEEN DEALING WITH A CAR INSURANCE COMPANY DIRECTLY OR A LOCAL AGENT?
  2. DOES SOMEONE KNOW WHERE I CAN FIND A LIST OF AVERAGE CAR INSURANCE RATES BY VEHICLE?
  3. HOW DO PEOPLE IN FLORIDA COPE WITH HIGH CAR INSURANCE RATES?