Car Insurance at the Dealership
What to expect when getting insured at the F&I desk. How the process works, what options dealers offer, and how to compare before you drive home.
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Polly's insurance guides help car buyers understand coverage, compare quotes, and avoid overpaying before they drive home. Each guide answers a specific question clearly, with the dealership context that general insurance sites leave out.
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What to expect when getting insured at the F&I desk. How the process works, what options dealers offer, and how to compare before you drive home.
Read guideHow to compare quotes at the point of purchase. What information you need, how many carriers to check, and how to know if you're getting a good rate.
Read guideWhy insurance costs have risen sharply in recent years, which factors drive your premium most, and practical steps to lower your rate when buying a car.
Read guideThe plain-language guide to liability, comprehensive, collision, and gap coverage. What each covers, what lenders require, and how to choose the right levels.
Read guideWhat GAP covers, when you actually need it, and what it typically costs, so you can make an informed decision at the F&I desk before you sign.
Read guideWhen to line up coverage in the buying process, what you need before you drive off the lot, and how to avoid gaps between your old and new policy.
Read guideWhat your lender requires when you finance a vehicle. Minimum coverage levels, how to add a lienholder, and what happens if you drop below their requirements.
Read guideWhat insurance actually costs by state and vehicle type, with real median rate data so you know what to expect before you shop for a new car.
Read guideHow coverage requirements and premium costs differ between new and used vehicles, and what changes in your policy when you switch from one to the other.
Read guideHow ADAS features like automatic emergency braking affect your premium, and how to make sure you're getting the discount you've earned on a new car.
Read guideHow to handle your insurance when you trade in a car, experience a total loss, or switch policies to a new vehicle, including what to do with your existing coverage.
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