To buy auto insurance in 2025, follow these four essential steps to ensure you get the right coverage at the best price:

Step 1: Determine Your Coverage Needs

• Assess what types of coverage you require based on your state’s minimum requirements, your car’s value, your budget, and personal preferences.

• Consider whether you need just liability or full coverage (which includes collision and comprehensive), and whether you want extras like roadside assistance or rental reimbursement.

• If your car is leased or financed, your lender may require full coverage26.

Step 2: Shop Around for Quotes

• Gather key information: driver’s license numbers, vehicle identification number (VIN), details about your car, and your driving history.

• Use online comparison tools or contact insurers directly to get quotes from multiple companies. Make sure you’re comparing the same coverage limits and deductibles for accuracy.

• Don’t focus solely on price—consider financial stability, customer service, and available discounts264.

Step 3: Research Top Companies

• Check reviews, ratings, and claims handling reputation of the insurers you’re considering.

• Look for companies with strong financial ratings and positive customer feedback.

• Investigate available discounts (bundling, safe driver, good student, etc.) and make sure you’re eligible for them26.

Step 4: Purchase Auto Insurance

• Once you’ve chosen your provider, fill out the application, review the policy terms, and pay your premium to activate coverage.

• If switching from another insurer, ensure your new policy starts before the old one ends to avoid a lapse in coverage.

• Keep your proof of insurance in your vehicle as required by law26.

Summary Table: Four Steps to Buy Auto Insurance in 2025

Following these steps will help you secure the right auto insurance policy for your needs and budget in 2025