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Tips for 5 Moments When You're Car Insurance Shopping

Updated: May 2016

Whether you're a first-time car owner, parent of a teen driver, or just a savvy shopper comparing insurance prices, your insurance needs may be slightly different depending on your situation. Here are some factors to consider as you compare car insurance for different stages of your life.

Salesman helping a customer pick out her new vehicle

Insuring Your First Car

It’s a great feeling to adjust the seat and steering wheel “just so” on your very first car. However, that excitement also comes with some significant financial responsibilities. It’s important to be sure your car insurance adequately covers possible damage to your new-to-you vehicle — as well as other people’s property and possibly medical bills and more — in case you’re ever found responsible for an accident while driving.

Comparing Insurance Rates Online

It makes sense to reassess your finances from time to time — and that may include shopping around for car insurance rates. However, getting an online insurance quote may require you to be more familiar with your insurance coverage choices than you might think. Here’s a primer on the types of coverage included in a typical auto policy.

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Getting Married

You might qualify for a multi-car discount if you and your new spouse merge your car insurance policies. It could make sense to review both of your policies and see if it helps save you any money to switch to a single, shared auto policy.

Adding a Teen Driver

It's actually possible to insure your teenage driver without breaking the bank. It may seem tempting to eliminate certain types of coverage and increase deductibles. However, those methods may not be the smartest way to save money with a teen on your policy. Consider adding your teen to your existing family policy to help cut down on the cost of car insurance.

Insuring Your Older Car

If your reliable, older car is still running strong, you may be able to save some money on your car insurance. If you own the car outright (without an outstanding loan), you might trim your insurance costs by adjusting some coverages or increasing your deductible.

You don’t have to navigate the ins and outs of car insurance on your own. A local agent can help you determine which options make the most sense for you and your car.


*This information was obtained by the Pennsylvania Auto Theft Prevention Authority at www.watchyourcar.org.

The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2016 Allstate Insurance Company, Northbrook, IL.
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