{"id":5670,"date":"2024-06-13T05:01:24","date_gmt":"2024-06-13T05:01:24","guid":{"rendered":"https:\/\/youset.ca\/?p=5670"},"modified":"2026-03-16T12:10:30","modified_gmt":"2026-03-16T12:10:30","slug":"first-time-car-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/first-time-car-insurance\/","title":{"rendered":"First-Time Car Insurance: How to Get the Best for Less"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">How do you know what coverage to select, what to anticipate in terms of costs, and how to maximize savings when you\u2019ve never bought <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a> <span style=\"font-weight: 400;\"> before? If you find yourself in this position and are in need of first-time car insurance, then you\u2019ve come to the right place.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In this article, you&#8217;ll learn practical tips that will help you navigate the process of purchasing your first car insurance policy with confidence.<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_4381ea728a2c0f0d52fbc57e8bca089c\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Key takeaways<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400;\">First-time car insurance premiums can be high, but there are several ways to keep costs down. To get the best car insurance at the lowest price, follow these tips:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose your vehicle wisely<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limit how much you drive\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select a deductible that suits your budget<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take steps to reduce the risk of theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shop around and compare quotes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider usage-based insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle your policies where it makes sense <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-first-time-car-insurance\">What is first-time car insurance?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">As the name suggests, first-time car insurance is for drivers purchasing car insurance for the first time. While you might have been listed on a family member\u2019s, friend&#8217;s, or company\u2019s car insurance policy before as an occasional or secondary driver, this is the first policy you personally own and are the primary policyholder of.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">There are many different types of people who are buying car insurance for the first time in Canada, including:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>Teenagers and young adults:<\/strong><\/span><i><span style=\"font-weight: 400;\"> <\/span><\/i> <span style=\"font-weight: 400;\">New drivers who recently obtained their driver&#8217;s license<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Recent immigrants or new residents:<\/strong><\/span><i><span style=\"font-weight: 400;\"> <\/span><\/i> <span style=\"font-weight: 400;\">People who have recently moved to Canada and are purchasing insurance here for the first time\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Mature drivers: <\/strong> Those who obtained their driver\u2019s license later in life and now require car insurance for the first time due to changes in transportation needs or lifestyle<\/span><\/li>\n\n\n\n<li><strong>People transitioning from company vehicles:<\/strong> <i> <\/i> Those who previously drove vehicles owned and insured by their employer<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-insurance-high-on-your-first-car\">Is insurance high on your first car?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Yes, insurance can be high for your first car. However, it&#8217;s not solely determined by the fact that it&#8217;s your first car. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Insurance companies take many factors into account when <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-is-car-insurance-calculated\/\"><span style=\"font-weight: 400;\">calculating car insurance<\/span><\/a> <span style=\"font-weight: 400;\"> premiums, including some that have nothing to do with the car itself, such as your age, driving record, gender, and where you live. Moreover, the weight they assign to each factor may vary significantly from one insurer to another.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, a 30-year-old who has been safely driving for the past 14 years as an occasional driver and just purchased their first car might pay less for insurance than an 18-year-old with less driving experience would. In such cases, the insurance company could opt to charge the 18-year-old a higher premium because young drivers are <\/span><a href=\"https:\/\/madd.ca\/pages\/programs\/youth-services\/statistics-links\/#:~:text=Youth%20and%20Impaired%20Driving&amp;text=Young%20people%20have%20the%20highest,than%20any%20other%20age%20group.\"><span style=\"font-weight: 400;\">statistically more susceptible to car accidents<\/span><\/a><span style=\"font-weight: 400;\">, and thus, pose a higher risk to insure.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Fortunately, there are always things you can do to ensure you get the best first-time car insurance for cheaper, many of which will be discussed in the following section.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-the-best-car-insurance-for-the-first-time\">How to get the best car insurance for the first time<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Regardless of whether this is your first car ever or your first time buying your own insurance policy, you want to get the best car insurance for the cheapest price. As such, here are a few helpful tips on <a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\">how to get car insurance for the first time<\/a>.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choose-your-car-wisely\">Choose your car wisely<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">If you haven\u2019t purchased a car yet, keep in mind that the kind of car you drive affects the cost of insurance. Some vehicles are expensive to repair, have parts that are hard to source, or are particularly popular among thieves. So, always do your research first, if you can. If in doubt, the <\/span><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/how-cars-measure-up\"><span style=\"font-weight: 400;\">Insurance Bureau of Canada<\/span><\/a> <span style=\"font-weight: 400;\"> has a good rundown of the car models that are associated with the lowest claims, thereby increasing the chances of a lower monthly premium payment.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reduce-your-driving-time\">Reduce your driving time<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Insurance companies will ask you how often you drive and what you use your car for. Someone who drives to and from work every day is, at least statistically speaking, at greater risk for an accident than someone who only occasionally uses their car for errands on the weekends or to drive to the beach. So, if you can, reduce how much you drive. Doing so portrays you as a lower risk to insurance companies, thus potentially increasing your chances of scoring cheaper car insurance.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-select-a-deductible-that-suits-your-budget\">Select a deductible that suits your budget<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A deductible refers to the amount you have to pay in case of a <a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\">car insurance claim<\/a> before your insurance kicks in and covers the remaining amount. While every insurance provider is different, the average rule of thumb is that a high deductible equals lower monthly premiums, and higher monthly premiums equal lower deductibles. The trick is to find a happy medium. If you\u2019re willing to pay for a larger part of the damages in the event of an accident, then insurance companies will lower your monthly payments. Just make sure you\u2019re agreeing to a deductible you could realistically afford.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-shop-around-and-compare-prices\">Shop around and compare prices<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">When it\u2019s your first time buying car insurance, it can be tempting to go with the company your family and friends use or recommend. While you might start there, you should always shop around so that you can compare prices and ensure you\u2019re getting the best coverage for the lowest price. Fortunately, you can compare multiple insurers all in one place in minutes with <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-minimize-your-risk-of-theft\">Minimize your risk of theft<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Insurance companies are wary of situations that can lead your car to getting stolen, so any proactive measures you take to ward off theft will reflect positively on your monthly rates. Whether that\u2019s choosing a car that\u2019s less attractive to thieves, installing an approved theft-deterrent system in your car, or parking in a secured location at night, insurance companies will look favorably upon these steps and may offer lower premiums as a result.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consider-usage-based-insurance\">Consider usage-based insurance<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Usage-based insurance (UBI) is a type of coverage that uses technology to track how much you\u2019re actually using your car, including how fast you usually drive and how often you\u2019re making full stops. Based on this information, insurance companies will create a hyper-personalized rate for you. The way it works is that your providers give you a device you plug into your car, or an app on your phone, that tracks all the relevant information.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bundle-your-policies\">Bundle your policies<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Do you have insurance for your home, condo, or rental unit? If so, <a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\">bundling your home and car insurance<\/a> policies together can be a great way to save some extra money. In fact, if you use YouSet, we\u2019re the only digital broker in Canada that is able to automatically compare the cost of bundling home and car insurance from a single insurer against the cost of mix-and-match home and car insurers. This means you can be sure you\u2019re getting the best coverage for the cheapest price.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">When it\u2019s your first time buying car insurance, it&#8217;s normal to feel a bit intimidated and overwhelmed. If you apply the tips listed above, though, it\u2019s entirely possible to buy first-time car insurance that provides the coverage you need without exceeding your budget.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How do you know what coverage to select, what to anticipate in terms of costs, and how to maximize savings when you\u2019ve never bought car insurance before? If you find yourself in this position and are in need of first-time car insurance, then you\u2019ve come to the right place.\u00a0 In [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":5671,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-5670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>First-Time Car Insurance: How to Get the Best for Less - YouSet<\/title>\n<meta name=\"description\" content=\"First-time car insurance is for drivers purchasing insurance for the first time. 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