How Much Does It Cost To Get Car Insurance For The First Time? 
There are many factors that contribute to car insurance rates . Experience is one of them but it is n't weighted as heavy as other factors such as credit , driving history , and claims history . Another factor that will weigh heavy on rating would depend on if you are getting insurance for the first time because you just purchased a car or getting it for the first time while owning a vehicle for an extended period of time . As long as you can show proof -LRB- i.e Bill of Sale -RRB- that you made the car purchase without a trade in , most companies will not apply a tremendous surcharge . I recommend that you shop around because every company is different in their standards . I would stick with face-to-face quotes so you can ask all the questions that you have on your first insurance purchase . insurance is one of the few things that a human will outsmart a computer at anytime . 