Getting Car Insurance for the First Time | 4autoinsurancequote
Congratulations ? you got your driver?s license, surviving the state?s battery of testing that they put new drivers through before finally certifying them to take an automobile onto the local roads and highways. Once you have a car to call your own, your next step will be purchasing your first auto insurance policy. This can be a confusing and difficult process for those who show up unprepared, so it?s important to do a little research and to get to know the ins-and-outs of auto insurance and how it works in your state. Below, we?ll share some general tips that will greatly help those getting car insurance for the first time.
The first step for those who are new to auto insurance is to look into your state?s minimum insurance laws to find out exactly what coverage levels you must maintain to prove that you are a financially responsible driver. Every state operates their auto insurance system differently, although the differences may be very slight between states. Generally you will need to have some form of Bodily Injury Liability and Property Damage Liability coverage; these two policies are required in nearly every state. Other states may mandate that drivers must have insurance that protects against accidents caused by uninsured drivers, or they may state that drivers must purchase insurance that provides coverage for personal injuries. Speak with a local auto insurance agent or search online to find out a bit more about your state?s minimum requirements.
An unfortunate truth of being a new auto insurance customer is that you are almost certainly going to pay more for your auto insurance than someone who has been driving for a few years. The reason for this is simple ? the auto insurance companies have no idea how much of a risk you present, and therefore don?t know how much you may cost in future claims and payouts should you cause a number of accidents. Be prepared for the fact that you will most likely pay a few hundred dollars a year more for your auto insurance than someone who is more established, and you won?t be disappointed when you find out what your new auto insurance costs.
Individuals who are on a budget may want to consider purchasing a low-cost car for the first few years that they have car insurance. Until the major discounts start kicking in a few years into your relationship with your new auto insurance company, insurance costs will remain relatively high. One of the ways to keep these costs low is to purchase an inexpensive car to drive while you build up your safe driving and other discounts with your auto insurance company. Insuring an expensive luxury or sports car is of course going to be more costly than insuring a cheaper car simply because it costs less to repair the cheaper automobile in the event of an accident. Go with a cheap car for the first few years, and you?ll save a ton on your auto insurance.
Even if you are a relatively new driver, you may still qualify for discounts on your car insurance thanks to the many different discount programs that insurance companies use to attract new business. When you?re researching your auto insurance options, look around for discounts that apply to your situation, such as a student discount for those attending college or a graduation discount for students who have just left high school and are getting car insurance for the first time. Even if you only qualify for one or two discount programs, you may end up saving over $100 a year on your car insurance so it?s definitely worth looking in to.
Spending some time shopping around the various different insurance companies that offer car insurance in your state will likely net some additional savings. Every insurance company prices their auto insurance policies differently, so the price that a first-time driver is quoted from one company will be different when the same driver gets a quote from another company. Competition between the insurance companies is a benefit to everyone who needs insurance, so take advantage and make sure you get auto insurance quotes from at least a few different insurance carriers.
Finally, it?s worth a mention that newer drivers need to keep a somewhat clean driving record until they have built up a relationship and the associated premium discounts with their auto insurance company. By avoiding accidents, speeding tickets and other driving infractions, you protect your driving record and take a lot of leverage away from auto insurance companies who will be more than happy to raise your rates if you start becoming a higher risk. While you should always drive safely, it?s even more important during your first few years on the roads. Beat the statistics and stay safe, and you?ll also avoid higher auto insurance costs.
Armed with the tips above, those who are shopping for auto insurance for the first time should be able to get a decent deal that won?t break the bank. There?s no way to avoid paying a bit more than the average when you?re a new insurance customer, so don?t get dismayed that you have to spend a few extra bucks on your car insurance. Focus on keeping your accident record clean, stay away from costly infractions like speeding, and over time your insurance premiums will gradually be reduced. Enjoy your newfound freedom and safe driving!
Source: http://www.4autoinsurancequote.org/uncategorized/getting-car-insurance-for-the-first-time/
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