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There is not a lot of education regarding insurance as you make your way through school.  As recent college graduates transition to living independently, including switching from their parents policies to one of their own, it can become very nerve racking.

Buying insurance for the first time can feel overwhelming.  My first tip to any young adult would be to seek out an Independent Insurance Agent.  These Insurance Agents are not tied to any one carrier, so they can provide you with quotes from many different top rated insurance companies.  They research their entire insurance channel to compare insurance prices, go over the options with you personally and make sure you get the right coverage at the right price for your specific needs.  Getting personal insurance advice is a huge advantage to anyone, but especially to someone purchasing insurance for the first time.

What Your Independent Agent Needs

1. Your driver's license or another proper form of identification.
2. Information about the items, such as your car and personal belongings you would like to insure.  This can include the Vehicle Identification Number (VIN), the estimated value of your current personal belongings (for renter's insurance), etc.
3. Details about your prior insurance coverages.  If you were previously insured under your parent's policy, ask them for a copy of their policy documents.  This will let the Agent know what coverage levels you had in the past.
4. An idea of what kind of deductible you can afford.  This is the amount you will pay out of your pocket if you have an auto accident or have personal property stolen, before your insurance policy kicks in.  In most cases the higher the deductible, the lower the insurance premium will be.

Don't let purchasing your own insurance for the first time scare you.  It's all about your relationship with your Insurance Agent, once you have established that - you will be set for years to come!