Buying car insurance for the first time? Tips to keep in mind

If you’re moving to the suburbs from an urban area, you may be thinking about buying a car to get around. Not sure what you need for car insurance or how to go about getting it? Here are a few tips:
 

• Talk to your independent agent first. Before you go car shopping, find a local independent insurance agent or talk to yours to understand what type of coverage you will need. Car dealerships may encourage a quick solution with minimum coverage requirements.
• Consider bundling your car insurance with your homeowner’s insurance. You will get a discount on your premiums, which means you can get the coverage you need at a reduced rate.
• Understand what you are buying. Not all car insurance is the same. No matter what kind of insurance you’re buying, the cheapest price doesn’t always provide what’s best for your needs. If you’re not fully covered for a loss or have a terrible claims experience, you may end up wishing you’d purchased insurance that was more in line with your lifestyle and expectations.