How do I find out my car insurance rates before I get a car?

October 13, 2016 · Posted in FAQ 
car insurance
Mokaddasa asked:

I haven’t bought a car yet because a lot depends on how much insurance will be. I’m a 27 single female living in Boston, I’ve had a license since 18 but never drove so it expired and I recently renewed it. I don’t have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.

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Comments

No Responses to “How do I find out my car insurance rates before I get a car?”

  1. A Very Helpful Guy on May 22nd, 2010 6:46 am

    Hello,

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

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

    The best thing you can do is actually call up a few of your local car 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 car dealership, take the number of the insurance companies who quoted you the best prices along and find a car 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 car 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, don’t be afraid to then further call around or check online 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 car and insurance.

  2. Shayla on May 22nd, 2010 9:26 pm

    There are a bunch of websites where all you have to do is fill out a short form and they will give you an estimate from a bunch of different companies. You can choose the cheapest one from there. is a good one.

  3. Alex B on May 24th, 2010 8:16 pm

    Do a quick comparison using your zip code to find out what rates would be in your area. Every state is different, but can easily vary from company to company… Do your research and make an informed decision.

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