Buying auto insurance can seem a remarkably complicated business and often fills even seasoned insurance veterans with a mild sense of foreboding and trepidation. First-time buyer need not worry, however, as the process need not be nearly as complicated as it might first appear.

As with many things, the point point to make is do plenty of research. Think about exactly what you need from your policy and what you are looking for. Don’t be sweet-talked into buying more cover than you might actually need, thereby costing you unnecessarily.

Remember that each policy is different and offers different levels of coverage. Some stipulations are mandatory, depending on where you live, whilst some are optional. Common stipulations on a policy might include Comprehensive Coverage, which would insure you for damage done to your vehicle by factors other than a collision. These can include theft, fire, vandalism and adverse weather. Also, Bodily and Property Liability Coverage are common, as these cover costs that you will be legally responsible for in case of bodily injury, death or property or vehicle damage to another person in case of an accident caused by you whilst driving. This is just a small snapshot, and remember that, even as a first-time buyer, going for the bare minimum of coverage may not be the best thing for you. Be sure to fully compare each quote and what it offers and decide whether you need all of the protection on offer. Remember also that adding option coverage often costs no more than a few dollar per month.

Think seriously as well about a factor known on a policy as the ‘Deductible’. The deductible is what you agree to pay before your insurance company begins to cove the cost of other losses. This is common especially when you choose Collision or Comprehensive insurance coverage. In general, if you choose a higher level of deductible, you will pay a lower premium.

If you have yet to buy your car and are busily weighing up all of the available options (and perhaps dreams), be mindful that the make and model of car you buy will have an impact on your insurance premium. A young, first-time buyer with a powerful sports car will pay excessively for their insurance premiums, especially as they also tend to be younger. Many might be tempted to skip coverage altogether-especially money-conscious students away at college. The answer to this is simple: Don’t! If you are caught doing so, quite apart from any other immediate legal ramifications, you will likely be hit with huge insurance premiums for decades to come. You can also try searching online for the latest information on providers and rates in your area that can help you out rather than take risks – doing so is highly recommended.