---
id: guide-0028
title: "What to know about insuring your new vehicle"
category: guide
subtopic: insurance-basics-guide
page_type: guide
source_url: "https://www.castlekiamchenry.com"
tags: ["insurance", "guide", "coverage", "protection"]
questions:
  - "What insurance do I need for a new car?"
  - "How much car insurance coverage do I need?"
  - "When do I get insurance?"
  - "Insurance for a new vehicle"
related: [gap-protection, extended-coverage, monthly-payment]
dealer: Castle Kia McHenry
---

Insurance is a legal requirement and a smart financial safeguard for your new vehicle.

## Coverage Types Explained
**Liability coverage** is mandatory in every state-it pays for injuries or damage you cause to others. **Collision and comprehensive coverage** protect your own car against accidents, theft, weather, and vandalism. Lenders and lessors typically require both. **Uninsured/underinsured motorist coverage** protects you if hit by someone without adequate insurance.

## Before Taking Delivery
Get quotes from insurers before you buy. Many customers secure a policy a few days before delivery so coverage activates the moment they take the keys. Your Finance team at Castle Kia McHenry can advise on timing.

## Cost Drivers
Your age, driving record, location, vehicle type, and chosen coverage levels all affect your premium. A newer car may cost more to insure (higher repair costs) but often qualifies for safety discounts.

## Get Support
**Call Castle Kia McHenry at (815) 453-8566** to discuss insurance timing and requirements for your specific vehicle and purchase plan. They'll ensure you're protected before delivery day.