Buying a new car can be both exciting and overwhelming. There can be a lot of questions about paperwork or insurance. New car shopping usually comes with some unknowns, so understanding as much as possible before heading to the dealership is important.
Typically, dealerships require you to have
seguro para autos before driving off the lot in your new car. And while getting insurance for a new car is quick and easy, you may review your coverages and decide you want more protection than you had for your old car, especially if it has newer technology or enhanced features that may be more expensive to repair or replace.
How Much Is Car Insurance on a New Car?
Whether you’ve just purchased a new car or you’re thinking of it, we know what you’re probably thinking. “
How much is car insurance for my new car?” With the AARP
® Auto Insurance Program from The Hartford,
1 you can get protection for as little as $78*** a month.
However, based on car insurance rates in the U.S., the cost of full coverage car insurance will vary and is dependent on things like:
- Su edad
- Lugar
- Historial de tránsito
- Safety features in your new vehicle
- Type and amount of coverage on your policy
Save on Car Insurance Premiums
How To Insure a New Car
Knowing how to insure your newly purchased vehicle is a critical step in the new car buying journey. In fact, making sure you don’t have a between vehicles may save you time and money in the long run. This is because not every car insurance company offers a grace period or extended time being uninsured. It’s best to work with your car insurance company during the buying process so they can inform you of their specific policies.
- Gather all the required information for a quote. Make sure you have your new car’s information handy, such as the Vehicle identification number (VIN). Knowing the mileage will also be useful, even if it’s low.
- Start shopping for insurance. Buying a new car is a great opportunity to compare car insurance quotes and make sure you get the type of coverage that fits your needs.
- Purchase a new insurance policy or update your existing one. After you decide which quote is best for you and purchase or update your policy, you’ll be ready to drive your new car home.
Car Insurance Requirements for Your New Car
Being prepared ahead of time and knowing your coverage limitations before purchasing your new car can make the entire process go as smooth as possible. For example,
states may have different car insurance requirements for liability, collision and comprehensive insurance, to name a few.
The amount of car insurance you need may also depend on your vehicle ownership status. If you are financing or leasing your new car, both comprehensive and collision coverages are usually required by the financing or leasing company. But if you purchase your car outright, then you technically only need whatever your state requires, even though it may be beneficial to get more protection.
How Much Car Insurance Do I Need for a New Car?
If you’re buying a new car, you want to make sure it’s protected. We can help if you’re wondering “
how much car insurance do I need?” While you’ll at least need the minimum required coverages in your state, you’ll likely want even more protection for your new car.
The AARP Auto Insurance Program from The Hartford offers various types of coverages that protect new car owners.
Full Coverage Car Insurance
Full coverage car insurance generally refers to an auto insurance policy that meets state requirements for liability insurance and includes comprehensive and collision coverage.
Cobertura integral can help pay to fix your new car if it’s damaged from theft, vandalism, collision with an animal or natural disasters, while
collision coverage helps cover the cost of repairs to your car if you hit another vehicle or object. These coverages can give new car owners peace of mind while enjoying their new ride.
Gap Insurance
Your typical auto insurance policy helps pay to repair or replace your car based on the actual cash value. But if you owe more on your loan than your car is worth,
gap insurance will fill in where your regular insurance isn’t enough. So, in the unfortunate event that your new car is stolen or totaled, gap insurance will help pay the difference.
Cobertura para reemplazo por automóvil nuevo
If you total your new car in a car accident, you don’t have to be without it for long. New car replacement coverage will help to replace it with a new vehicle of the same make, model and equipment, without subtracting anything for depreciation.§§
Additional Types of Car Insurance Coverages
While every driver has unique needs and the car insurance coverage types you are required to get will depend on where you live, we can help you understand the different options available to you.
New Car Insurance Coverage From The Hartford
You can get an auto insurance quote for your new car online in minutes. Just enter your zip code and answer a few questions about yourself and your new car. You’ll need to provide:
- Basic personal details like your name, address and date of birth.
- Vehicle information, like make, model and ownership status. Knowing your Vehicle identification number (VIN) will provide the most accurate price.
- Detalles sobre los conductores adicionales que estarán en la póliza, incluidos sus nombres e información personal básica.
- Información sobre su póliza de seguro de automóviles actual.
The Hartford is happy to answer any of your questions about car insurance for new cars. To get the protection you need for your new car,
get your quote or call
888-546-9099.
Última actualización: 8 de julio de 2024
^ No disponible en todos los estados, se aplican términos y condiciones.
*** Con base en titulares de pólizas de autos de Maine con [#]} vehículo y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.