How Do I Get Car Insurance For The First Time?

How to Get Car Insurance for the First Time

Getting car insurance for the first time can feel overwhelming — but it doesn’t have to be. At Sun Coast General, we help new drivers every day find affordable coverage that fits their lifestyle and budget.

Whether you just got your license, bought your first car, or moved to the U.S., here’s a step-by-step guide to getting car insurance for the first time — with answers to the most common questions new drivers have.

💡Not sure where to start? Our licensed agents can walk you through your options and get you a quote in minutes.

Step 1: Gather Your Info

To get an accurate quote, you’ll need a few basic details:

• Driver’s license number (or foreign license if applicable)
• Vehicle make, model, year, and VIN
• You can usually find your VIN (Vehicle Identification Number) on the driver-side dashboard near the windshield, inside the driver-side door frame, or on your vehicle title or registration.
• Your address and ZIP code
• Your driving history, if any (accidents, tickets, etc.)
• How the car will be used (commute, business, pleasure)

If you don’t have a U.S. license yet, some insurers will still work with you. Some insurers accept foreign licenses or learner’s permits, but be prepared for higher initial premiums over the first few months.

Step 2: Decide What Type of Coverage You Need

Car insurance isn’t one-size-fits-all. Here are the main coverage types:

• Liability coverage (required in most states): May cover injury or property damage you cause to others.
• Collision coverage: May help pay for damage to your car after an accident.
• Extended coverage (often referred to as comprehensive): May cover non-collision events like theft, vandalism, or storms.
• Uninsured motorist: May protect you if you’re hit by someone without insurance. Check if your state requires Uninsured/Underinsured Motorist (UM/UIM) coverage—it’s mandatory in several states.
• Roadside assistance or rental car reimbursement (optional add-ons)

If your car is financed or leased, your lender may require collision and comprehensive coverage - so double-check before purchasing liability-only.

Not sure what’s right for you? Our agents can help you compare coverage options and find the best balance of protection and price for your needs.

Step 3: Apply for Coverage

Once you choose the right coverage, you’ll need to complete an application. Be ready to:

• Submit proof of identity and vehicle ownership
• Pay your first month’s premium
• Set up your payment method (monthly, 6-month, or annual)

After approval, you’ll receive an insurance ID card — digitally and/or by mail.

Tip: Getting a quote through Sun Coast General is fast and easy

Step 4: Keep Proof of Insurance with You

Most states require you to carry proof of insurance when driving. You can usually download a digital copy or use your provider’s app to show proof instantly if needed.

First-Time Driver Tips to Save on Car Insurance

• Choose a safe, reliable car — flashy sports cars cost more to insure
• Ask about student or good driver discounts
• Avoid lapses — continuous coverage builds a stronger insurance history
• Bundle policies — combining your auto and renters insurance can save you money

Want to see how much you could save? Get a quick quote from Sun Coast General and compare options today.

Final Thoughts

Getting your first car insurance policy is a big milestone — and you don’t have to figure it out alone.

Sun Coast General makes it easy for new drivers to find affordable protection and start driving with confidence.