New Driver’s Guide for Getting Car Insurance

by The Smarter Wallet on December 21, 2011

Before you can hit the road, you need a car insurance policy that provides you with coverage and protection. U.S. law requires all drivers to maintain active car insurance policies, but that’s not the only reason to have insurance. You also need coverage in case of collisions or accidents. Here are a few things to consider as you begin looking for auto insurance.

What Is Your First Concern About Car Insurance?

Though you might feel tempted to choose the lowest level of coverage in order to save money, finding the right protection should be your first concern. Auto insurance policies include different levels of coverage for you, your vehicle, other drivers and passengers. While some levels of coverage are optional, others are required by state. Make sure to check out your local laws before signing up for a new policy.

Collision coverage protects your vehicle when it is involved in an accident, while comprehensive coverage offers insurance if your car suffers damage from fire, hail, floods, a windstorm, theft or vandalism. Coverage for medical expenses and personal injury is also an important consideration, as it covers costs if anyone suffers injuries in an accident. You can also obtain coverage for uninsured drivers. By shopping around for the right level of coverage, you can find cheap auto insurance that will keep you protected. Find out more about affordable auto insurance here.

How Can I Pick The Best Insurance Provider?

While there are plenty of great insurance policies available, providers are not created equally. Poor providers who offer cheap policies to attract customers often have limited coverage and agents who are difficult to work with. On the other hand, a good provider delivers excellent service for an affordable price. These three steps will help you choose the right insurance provider. The article of entitled “How can I pick the best insurance provider?” which you’ll find here can also provide useful tips regarding this issue.

1. Perform a Comparison Quote Search
Most insurance providers will give you a free quote before you sign up for a policy. Some websites also allow you to compare prices between multiple policies at the same time. Look over the estimates and figure out which company can offer you the best coverage.

2. Consider the Value
Once you’ve found a cheap car insurance policy, be sure to look at the amount of coverage you’re getting for your money. Though some policies might appear cheaper at first glance, they could include limited protection or a high deductible. Find a balance of affordability and coverage that suits your life.

3. Look for Discounts
Finally, be sure to find out whether or not you are eligible for any additional discounts. Insurance providers typically offer lower rates to individuals with good driving records. You might also get discounts for adding multiple cars to your policy or for taking additional driving courses.

What Does It Take To Make A Claim?

If an accident occurs or your vehicle is damaged, you can make a claim to the insurance company in order to recover your losses. You’ll simply need to call your insurance provider and explain the details of the accident or damage to the customer service representative. An agent will help you receive reimbursement and repairs for your car.

No one plans for collisions, but accidents still happen. That’s why it’s so important to have an insurance policy with the right amount of coverage. Once you’ve found a cheap car insurance policy that offers full protection, you’ll be ready to drive with peace of mind.

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{ 2 comments… read them below or add one }

1 David @ yesiamcheap December 31, 2011 at 10:27 pm

Performing a comparison price quote search is crucial. Don’t just go with the first offer. Plus, like you said, finding the right protection is the most important thing.

2 The Smarter Wallet January 2, 2012 at 10:49 am

Thanks David…. when items are of higher cost and value, then it’s worth the time and effort to comparison shop. This is even more essential when you’re purchasing policies and/or committing to subscriptions (of course you can always cancel these, but we’re often caught in the inertia of sticking to what we already have).

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