{"id":7471,"date":"2024-11-11T00:39:58","date_gmt":"2024-11-11T08:39:58","guid":{"rendered":"\/wp-site\/?p=7471"},"modified":"2025-12-05T12:07:30","modified_gmt":"2025-12-05T20:07:30","slug":"new-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/new-car-insurance\/","title":{"rendered":"New Car Insurance: What You Need to Know"},"content":{"rendered":"\n<p>When people talk about &#8220;new car insurance&#8221; they&#8217;re not referring to a special type of policy. It&#8217;s the <strong>combination of coverages you buy for a brand-new car<\/strong>. For most, this means purchasing a <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage<\/a> policy that includes liability insurance, plus collision and comprehensive coverage.<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry has helped <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">5,178<\/span> <strong>drivers <\/strong>buy insurance for their new car in the past year, helping them get on the road fully protected. Here\u2019s what to know about coverage for your new car.\n<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" class=\"wp-block-cover__image-background wp-image-68383 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1.png\" style=\"object-position:62% 60%\" data-object-fit=\"cover\" data-object-position=\"62% 60%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1.png 1024w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-300x300.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-150x150.png 150w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-768x768.png 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-900x900.png 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-400x400.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-56x56.png 56w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Lincoln1-250x250.png 250w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Do I need insurance on my new car?<\/h2>\n\n\n\n<p><strong>Yes, your new car should be insured. <\/strong>It\u2019s illegal to drive without car insurance, but it\u2019s also wise to protect your new purchase.&nbsp;<\/p>\n\n\n\n<p>Here&#8217;s different coverage types and when you need them.<\/p>\n\n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th>Coverage type<\/th><th>What it covers<\/th><th>Do you need it?<\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">Liability<\/a><\/td><td>Others\u2019 medical bills and property damage when you\u2019re at fault.<\/td><td>Required by law, except in New Hampshire.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/collision-insurance\/\">Collision<\/a><\/td><td>Your car repairs after hitting another car or object.<\/td><td>Required if financing\/leasing. Recommended for new cars.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive<\/a><\/td><td>Damage to your car from theft, vandalism, weather and accidents with animals.<\/td><td>Required if financing\/leasing. Recommended for new cars.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist<\/a><\/td><td>Your costs when hit by uninsured or underinsured drivers.<\/td><td>Required in some states. Strongly recommended everywhere.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a> (PIP)<\/td><td>Medical bills, lost wages, childcare after an accident.<\/td><td>Required in no-fault states.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a> (MedPay)<\/td><td>Medical expenses only after an accident.<\/td><td>Optional in most states, but may be worthwhile if you don\u2019t have health insurance.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n  <div\n    class=\"block md:hidden\"\n    data-wp-interactive=\"jerry\/blocks-core\/table\"\n    data-wp-init=\"callbacks.onCardCarouselInit\"\n  >\n    <div class=\"core-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n      <div class=\"mx-auto flex gap-3\">\n                  <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">Liability<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Others\u2019 medical bills and property damage when you\u2019re at fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required by law, except in New Hampshire.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/collision-insurance\/\">Collision<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your car repairs after hitting another car or object.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing\/leasing. Recommended for new cars.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Damage to your car from theft, vandalism, weather and accidents with animals.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing\/leasing. Recommended for new cars.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your costs when hit by uninsured or underinsured drivers.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required in some states. Strongly recommended everywhere.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a> (PIP)    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Medical bills, lost wages, childcare after an accident.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required in no-fault states.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a> (MedPay)    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Medical expenses only after an accident.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Optional in most states, but may be worthwhile if you don\u2019t have health insurance.      <\/div>\n      <\/div>\n<\/div>\n                  <\/div>\n    <\/div>\n\n    <div class=\"core-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n          <\/div>\n  <\/div>\n\n  \n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> Get higher liability limits than what your state requires, and consider limits of at least 100\/300\/100. One accident with injuries can cost over $160,000, according to the <a href=\"https:\/\/injuryfacts.nsc.org\/all-injuries\/costs\/guide-to-calculating-costs\/data-details\/\" target=\"_blank\" rel=\"noopener\">National Safety Council<\/a>.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How much does new car insurance cost?<\/h2>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nCar insurance for a new car costs between <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$188<\/span> <strong>to<\/strong> <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$408<\/span> <strong>per month <\/strong>according to Jerry\u2019s customer data.\n<\/p>\n\n\n\n<p>Factors that affect new car insurance costs include:<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\ud83d\ude97 <strong>Your car&#8217;s value and technology.<\/strong> More expensive cars, like electric vehicles, with advanced features like sensors, cameras and batteries cost more to repair, which increases insurance costs.<\/p>\n\n\n\n<p>\ud83d\udee1\ufe0f <strong>Coverage choices.<\/strong> Higher limits and lower <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductibles<\/a> increase your policy costs.<\/p>\n\n\n\n<p>\ud83d\udccd <strong>Location and driving habits.<\/strong> Your ZIP code, annual mileage, commute length and parking situation all affect how much you pay.<\/p>\n\n\n\n<p>\ud83d\udccb <strong>Driving record.<\/strong> Tickets, accidents and gaps in your insurance history can raise your rates.<\/p>\n\n\n\n<p>\ud83d\udcb5 <strong>Available <\/strong><a href=\"\/car-insurance\/car-insurance-discounts\/\"><strong>discounts<\/strong><\/a><strong>.<\/strong> New-car discounts, safe-driver programs, <a href=\"\/car-insurance\/car-and-home-insurance\/\">bundling home and auto<\/a> or paying your premium upfront can lower your costs.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> Compare car insurance quotes in the Jerry app <strong>before<\/strong> you get to the dealership. That way you\u2019ll have your new policy ready and can quickly drive off the lot once you\u2019ve purchased your new car.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Get insurance for your new car with Jerry<\/h2>\n\n\n\n<p>When shopping for coverage on your new car, it&#8217;s important to <strong>compare policies from multiple companies<\/strong> to find the right balance of protection and cost.<\/p>\n\n\n\n<p>Jerry partners with <strong>over 50 insurance carriers<\/strong> and shows you quotes side-by-side, so you can see exactly how different coverage options and deductibles affect your premium. You can compare full coverage policies in minutes and find the right protection for your budget.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Gap insurance vs. new car replacement<\/h2>\n\n\n\n<p>Many drivers confuse these two coverages because they both deal with your car&#8217;s <strong>depreciation<\/strong>, or its loss in value over time. But they work differently.<\/p>\n\n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th>New car replacement<\/th><th>What it does<\/th><th>Best for<\/th><\/tr><\/thead><tbody><tr><td>New car replacement<\/td><td>Replaces your totaled car with a brand-new one.<\/td><td>Drivers who want a brand new car if theirs is totaled.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n  <div class=\"flex flex-col gap-3 md:hidden\">\n          <div class=\"core-table-card overflow-hidden\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      New car replacement    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it does      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Replaces your totaled car with a brand-new one.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Best for      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Drivers who want a brand new car if theirs is totaled.      <\/div>\n      <\/div>\n<\/div>\n          <\/div>\n  \n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th>Gap Insurance<\/th><th>What it does<\/th><th>Best for<\/th><\/tr><\/thead><tbody><tr><td>Gap Insurance<\/td><td>Pays the difference between your car&#8217;s current value and what you still owe on your loan.<\/td><td>Drivers with low down payments or loans higher than the car&#8217;s market value.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n  <div class=\"flex flex-col gap-3 md:hidden\">\n          <div class=\"core-table-card overflow-hidden\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      Gap Insurance    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it does      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Pays the difference between your car&#8217;s current value and what you still owe on your loan.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Best for      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Drivers with low down payments or loans higher than the car&#8217;s market value.      <\/div>\n      <\/div>\n<\/div>\n          <\/div>\n  \n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> If you put little money down or bought a car that depreciates quickly, <a href=\"\/car-insurance\/gap-insurance\/\"><strong>gap insurance<\/strong><\/a><strong> should be your priority<\/strong>. If you can afford both, add new car replacement for even better protection.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Other coverages worth considering<\/h2>\n\n\n\n<p>Beyond full coverage, consider these optional add-ons to protect your new car.<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-2a24861a wp-block-group-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\n<p class=\"has-background\" style=\"border-radius:1.5rem;background-color:#f5f5f5\">\ud83d\udd27 <strong>Original equipment manufacturer (OEM) parts coverage:<\/strong>&nbsp;<br>Ensures that mechanics use original manufacturer parts instead of generic aftermarket ones, which can affect your car\u2019s resale value and its safety.<\/p>\n\n\n\n<p class=\"has-background\" style=\"border-radius:1.5rem;background-color:#f5f5f5\">\ud83d\ude99 <strong>Rental car reimbursement:<\/strong>&nbsp;<br>Provides a rental car while yours is being repaired for a covered claim.<\/p>\n\n\n\n<p class=\"has-background\" style=\"border-radius:1.5rem;background-color:#f5f5f5\"><strong>\ud83d\udee3\ufe0f Roadside assistance:&nbsp;<br><\/strong>Covers towing, jump-starts, flat tire changes and lockout services when you break down.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udee1\ufe0f Is &#8220;full coverage&#8221; a real type of insurance I can buy?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Technically, <strong>no<\/strong>. &#8220;Full coverage&#8221; is just a common term people use for a policy that includes liability, collision and comprehensive coverage.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udcb3 Does gap insurance cover late loan payments or extras like extended warranties?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>No.<\/strong> Gap insurance only covers the difference between your car&#8217;s actual cash value and your remaining loan balance.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udcb5 If my new car is totaled, do I still have to pay my deductible?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>Yes.<\/strong> Your deductible applies to all collision and comprehensive claims.&nbsp;<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\ude97 How soon do I need insurance on my new car?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You need insurance <strong>before you drive off the lot<\/strong>. Most dealerships won&#8217;t let you leave without proof of coverage. If you already have a policy, check with your insurer. Many provide a grace period (typically 7\u201330 days) to add a new car.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udcc9 Why is new car insurance more expensive than used car insurance?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>New cars have <strong>higher values and repair costs <\/strong>than <a href=\"\/car-insurance\/used-car-insurance\/\">used cars<\/a>, which means insurers pay more if your car is damaged or totaled. Advanced technology like sensors and cameras also costs more to fix or replace than older, simpler parts.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When you buy a new car, you\u2019ll either need to get a new insurance policy or add your new car to your existing policy.<\/p>\n","protected":false},"author":78,"featured_media":71857,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"374\",\"type\":\"editor\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"When you buy a new car, you\u2019ll either need to get a new insurance policy or add your new car to your existing policy.","jerry_related_posts":"[28561,21828,34321,34437]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31,666,286],"class_list":["post-7471","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-insurance-cost","tag-new-cars"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/78"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=7471"}],"version-history":[{"count":17,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7471\/revisions"}],"predecessor-version":[{"id":72099,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7471\/revisions\/72099"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/71857"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=7471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=7471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=7471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}