Should I buy a car first, or the insurance first?

I'm 18 and buying my first vehicle. I'm still not sure what truck I'm going to get and the salesman at the dealership said that I need insurance for the vehicle if I want to buy it. How am I supposed to buy insurance if I don't know what vehicle I will end up with?

You can't exactly buy insurance before you’ve picked a car, because the insurer needs specific information about the vehicle. However, you can’t legally drive off the lot without insurance, either. It can be slightly stressful sitting at the dealership, trying to get your insurance in order. Planning ahead will save you money—and stress. So here’s the best path:

1. Decide on the vehicle first
   You need a specific car in mind to get an accurate quote. Insurance rates depend on the year, make, model, trim, safety features, mileage, etc.
2. Get quotes before you buy
   Once you’ve settled on a vehicle (or narrowed it down to a shortlist), shop for insurance quotes using that information. This gives you a ballpark price and helps you budget smarter.
3. Buy the car
   Finalize your purchase. The dealership (or private seller) will usually require proof of insurance before handing over the keys.
4. Activate your insurance before driving
   Purchase the policy and have it start on the same day you take delivery of the car—this is non-negotiable for legal reasons and to meet dealership requirements.

If you’re buying a car and getting insurance for the first time, start by setting a realistic budget that includes not only the car but also insurance, taxes, and maintenance. Test drive a few vehicles, even if you think you know what you want, and once you’ve narrowed it down, get insurance quotes based on those specific cars. Learn the basics of coverage—liability is required, but if you’re financing, you’ll likely need full coverage too. Ask about discounts for bundling, good grades, or being a new driver. Before you leave the dealership, make sure you have proof of insurance in hand. Always read the fine print so you know what’s covered and your deductible. If you've got any other questions about coverage, don't be afraid to reach out to an agent or representative from the company you go with.