Um, I have to what? Getting your first auto insurance policy.

Your very well-meaning parental figures have likely been gearing you up for adulthood for quite some time. But what does adulthood mean? It’s a good question and our own team is still figuring out the whole “adult” thing too.

Those grown-up tasks vary by the individual, but one commonality is when the time comes to get your first auto insurance policy. When you’re getting pushed out of your parent’s insurance nest, it can be a little overwhelming.

“Where do I start?”

“Do I just go with the companies I know from the commercials?”

“What am I really looking for?”

We hear you. So, we put together a few tips for how to start the process and narrow it down to find the insurance that makes sense for you.


Where to start when you’re going out on your ownsurance.

Take a deep breath and do a little research. Getting your first auto insurance policy might consistently fall to the bottom of your to-do list. It isn’t necessarily fun and you don’t feel like you get a lot of value right away. But know it might not be as intimidating as it seems. It really isn’t too different than when you had to research and rent your first place or even signing up for employee benefits at work. There is a ton of info out there on the what you might look for. We recommend starting with this guide, which provides a technical rundown on what to look for: Insurance 101: First time car insurance purchase.

Think about what makes the most sense for you: Despite popular belief, there’s more to think about when buying insurance than just your cash flow.

Here’s a handy list of things you should consider as you shop around:

  • Deductibles: Determine what your monthly budget can handle and think about how much spare cash you have in savings. If it’s not much, a high deductible is risky so you might choose a lower deductible with slightly higher monthly payments.
  • Coverages: Compare the coverages included in the insurance plans you’re considering. Remember that lower prices are often offset by the higher deductibles, which means you may pay more out of your pocket if you’re in an accident or if your car is damaged.
  • Discounts: Compare the discounts and rewards programs of each insurer. Can they reward good drivers or people who drive less? How often?
  • Ease: How easy is it to purchase and select your plan? The ease and simplicity of getting a quote may be an indication of what it will be like to work with an insurance company. While we don’t like to brag, our quote process is fast and simple.
  • Budget: Determine what your monthly budget can handle. Build a list of insurers that provide a price that fits your budget, this will help you narrow things down.
  • Ask a friend and take a look at social. The insurance coverage you choose certainly matters, but so does working with a company you feel good about. While your parents can be a great resource, your peers are closer to your life-stage and lifestyle. Ask around to see what their experiences have been. Throwing out the question, or searching on social media, is likely to return honest perspectives and can also be a helpful temperature check on what companies or types of insurance make sense for you.
  • Think about your values and priorities. Insurance is another line item in your budget. With so many options out there, choosing a company that aligns with your values is one way to feel a little better about the monthly expense. We’ve tried to make insurance something that is easier to understand — so you know what you’re paying for, and so you pay for yourself based on your good choices, as opposed to shouldering the weight of less mindful drivers. See more on why we’re reinventing insurance.

While getting pushed out to get your first auto insurance policy might not be what you’d like to be mulling over on a Friday night it isn’t as bad as it seems. By referencing our guide to buying auto insurance, doing a little research with friends, and honing in on what you care about most — you’re starting off on the right foot.

It’s like anything else, put one foot in front of the other.  Before you know it, you’ll have covered more ground than your kid-self might have thought your adult-self was capable.

Go ahead, you got this.