Insuring a Used Car

Insuring a used car is the same as insuring a new car because every vehicle needs to meet the state minimum requirements for coverage. Insurance for a used car may require less coverage since it’s not a brand new make or model, but that depends on your preferences or the requirements of your car loan or lease. Start shopping for used car insurance here with our free quote comparison tool below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 12, 2020

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Nearly every state has instituted laws that require motorists to have, at minimum, one type of car insurance policy. Even motorists that have had no accidents are required to get insurance in order to have a car. Many people purchase used cars to save money. The cost of replacing an older care is lower, so the payouts will be lower as well. This can save drivers hundreds of dollars yearly on car insurance.

The Main Concern with Insuring a Used Car

How much coverage you should get for a used care should be your main concern. Used cars vary and are different from brand new cars, on which nearly everything is equal, which in turn makes coverage for these cars very basic. You should calculate the costs to figure out your risk; what is the balance between the likelihood of an expensive accident and the price you want to pay for insurance?

Better Used Car Insurance for Better Drivers

You have the ability to reduce insurance costs, despite the fact that a car is used, which is something that you don’t have the ability to change. The best way to reduce the costs is by having a good driving record. A clean driving record, several months prior to purchasing a car, can do great things for the cost-effectiveness of used car insurance.

If you have some troubled-spots on your driving record you can still offset them by taking an accredited driving course or other remedial actions. These steps can drastically reduce your payments by helping to make amends for past driving mistakes. Taking actions like these can prove your responsibility to insurance companies.

Try Buying Used Cars which are Cheaper to Insure

If you are trying to make a decision between two very similar used cars; pick the care that is less expensive to insure. Cars have their own driving records, which insurance companies keep record of. They keep track of the cars that are less of a risk to insure.

Shop smart! Getting a vehicle that has a history of accidents is never recommended compared to a used car, but one that may be a little more worn by regular use can lead to cheaper rates.

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