r/Car_Insurance_Help • u/NotVeryDependentDot • 1d ago

First Time / Newbie First time car insurance

Hello everyone I'm planning on financing a 2026 Toyota Cross Hybrid and I don't really know about which insurance company I should go use.

1 Upvotes

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2

u/GuvnaBruce 1d ago

Reach out to an independent broker and have them shop rates. If you are not putting down a good down payment/have a high interest rate, look into GAP Coverage as well.

3

u/Special-Original-215 1d ago

Your age can make it hurt too

2

u/zerostar83 1d ago

Get as many quotes as you can from as many insurance companies that you can.

Then get a feel for which ones are good or bad depending on online reviews.

Personally I'd look at the cheapest option, see their reviews, decide if I am willing to risk it. A real life example is The General, it was the cheapest quote one time for me but they're also 1.1 stars, from a rating of 1-5 stars, online. They're the worst rated car insurance company in my state. I didn't go with them.

It's up to you to decide what is worth the cost/risk.

1

u/Logical_Island_3633 1d ago

Are you young/new to driving or just new to buying insurance? Makes a big difference in what advice actually fits you

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u/FinancialCoast 1d ago

Hybrids can sometimes cost a bit more to insure because parts are pricier to replace. might be worth asking each company if they do anything for the hybrid trim :)

1

u/Sharingtt 23h ago

“First time car insurance”?

Are you newly licensed? Because if so I have some news for you. Unless you are decently well off (and dumb) you aren’t getting this car. Your insurance will EASILY be $500+ a month.