Buying a new car in Ponte Vedra is an exciting process. Before you can drive the car off the lot, you need to make sure that it is insured. Insuring a new car is a little different from a used car. If you have a car loan or lease in place, there are likely some specifics that you need to focus on.


One of the first things that you should do is explore gap insurance. By doing so, you can make sure that you are not going to be out any money if you get into an accident. Most insurance policies are only going to cover what the car is worth. However, with a car lease or loan, you might owe more than what the car is worth, especially if it is brand-new.

Gap insurance is designed to cover the gap between what the car is worth and what you owe. It can be a lifesaver in the event of a major accident that totals your car. Since you never know when such a thing could happen, it’s better to be protected.


Lienholders are often involved with new cars. If you have a car loan or lease, there is a lien holder in place. They will tell you what is required on your car insurance policy in Ponte Vedra. All lien holders are a little different in terms of what they require. However, most require you to have at least some level of comprehensive and collision coverage. This will cover you against virtually anything that could happen on the roads and off. You might also be required to have more than the state levels for liability.

Once you meet the requirements that a lien holder puts into place, they will likely ask for a copy of your insurance so that they are aware that you have met the requirements.


Getting insurance quotes on a new car in Ponte Vedra is easy. You don’t have to go through the entire process on your own. Instead, you can contact an independent insurance agent. They will contact multiple insurance companies and get the quotes on your behalf.

When you are at the dealership and getting a new car, you can get quotes on several different cars before you have decided on one. The benefit to doing this is to see how the different cars compare in terms of insurance premiums. If you are working within a tight budget, you might end up choosing one car over another based upon how affordable it is to insure.

If you work with an insurance agent while you are at the dealership, you can have an insurance policy in place before you drive off the lot. It provides convenience and ensures that you are adhering to all Florida laws.