If you're buying a new car, you need auto insurance to protect yourself from serious dangers. After all, according to Statista, there are over 275 million registered vehicles on the United State's roads. Without insurance, a crash into any one of them could be devastating. Thankfully, if you follow the tips below, you should be able to find a policy that meets your needs quickly and easily.

1. Always Shop Premiums

Don't just pick the first insurance provider that you find but compare policies online before you buy. Always check the premiums first because these are what you'll be paying for your policy. Note that you can often adjust your premiums to pay less in the event that you do get into a crash. Adjust your policy with your provider to find an option that makes the most sense for your needs.

2. Use the IDV

The insured declared value (IDV) is an important thing to check before you buy a policy. Find one that has a higher overall IDV and pay the difference, if possible. That's because it will pay more to cover your vehicle if you lose it or get into a crash. That's a huge benefit compared to lower-cost policies that might save you money in the short term but cost you if you need a replacement.

3. Adjust Your Add-Ons

See what kind of add-ons your policy allows and pick whichever ones fit your needs. Sometimes, you can get a discount on a policy by selecting multiple add-ons. While you'll probably still pay more when adding more coverage, doing so will protect you if you get into an accident. Higher-cost auto insurance is often worth the small amount of extra money that you pay.

4. Find a Network Garage

Insurance providers should have a list of network garages where you can get quicker service and greater discounts for working with them. Try to find network garages near you to ensure that you get the high-quality insurance policy that you need for your car.

If you think that you need better auto insurance to protect yourself and think you've found a policy that meets your needs, contact an insurance agent right away to learn more about your options. These professionals can help you sort through your expectations and get the results that you want. It's a great step for those trying to find a policy that feels right for their needs. Contact our team at Monument Insurance today for more information or to get started with our services.