How to Get Car Insurance: Your 2026 Guide | Franklin Summer Insurance

Getting car insurance for the first time—or even switching providers—can feel confusing if you don’t know where to start. With so many options, companies, and coverage levels available, it’s important to understand the process so you can make the right decision.

This guide breaks down how to get car insurance in 2026 in a simple, straightforward way.

Step 1: Know What You Need Before You Shop

Before requesting car insurance quotes, take a minute to think about your situation. Your vehicle, driving history, and budget all play a role in determining the type of policy that makes sense. Understanding how car insurance works is the first step to choosing the right policy.

Ask yourself:

• Do I need basic coverage or more protection?

• Is my vehicle new, financed, or paid off?

• How much can I afford to pay out of pocket if something happens?

Having these answers upfront will make the process much easier.

Step 2: Compare Car Insurance Quotes

One of the biggest mistakes people make is choosing the first quote they see. To find the best option, you should always compare multiple car insurance quotes.

Different companies price risk differently, which means rates can vary significantly for the same driver. Comparing quotes allows you to see:

• Price differences

• Coverage options

• Deductible choices

This step is key to finding both value and protection.

Step 3: Work With an Insurance Agency

A good insurance agent will also help you understand different coverage options before you choose a policy. If you want a deeper breakdown, check out our guide on auto insurance basics and what coverage you really need.

An experienced insurance agent can:

• Explain coverage in plain language

• Help you avoid gaps in protection

• Compare multiple carriers for you

• Recommend policies based on your needs—not just price

Instead of guessing your way through coverage options, you get guidance from someone who understands the industry.

Step 4: Choose the Right Insurance Company

Not every provider is the same. The best car insurance company for you isn’t just the cheapest—it’s the one that offers the right balance of coverage, service, and reliability.

When evaluating options, consider:

• Customer service reputation

• Claims handling process

• Financial strength

• Coverage flexibility

A slightly higher premium can often be worth it if it means better support when you actually need to file a claim.

Step 5: Finalize Your Policy

Once you’ve chosen your policy, the final step is activating coverage. You’ll typically need to:

• Select your coverage levels

• Choose your deductible

• Set your start date

• Make your initial payment

After that, you’ll receive proof of insurance, and your coverage will be active.

Step 6: Review Your Policy Regularly

Your insurance needs can change over time. Whether you buy a new vehicle, move, or improve your driving record, it’s important to review your policy at least once a year.

A quick check-in with your insurance agent can help ensure you’re still getting the best value and coverage.

Final Thoughts

Understanding how to get car insurance doesn’t have to be complicated. By comparing car insurance quotes, working with a trusted insurance agency, and choosing the right provider, you can find a policy that fits your needs and your budget.

At Franklin Summer Insurance, we help drivers navigate their options and find coverage that makes sense—without the confusion. If you’re ready to explore your options, working with a knowledgeable team can make all the difference.