Car Insurance For First-Time Car Owners

​Owning your first car is an important milestone and a privilege for some. It has often been associated with freedom and a sense of responsibility. Being a car owner also has its responsibilities. As the saying goes, with great driving comes great financial responsibility. 

Today, we will be talking about Auto Insurance. It is very important to familiarize yourself with auto insurance policy basics. But first, let us define what Auto Insurance is.

What is an Auto Insurance Policy?
Auto Insurance protects against financial loss in case an accident or theft happens. It might provide coverage for the following:

Liability Insurance
Auto Insurance might help cover your liabilities for damages you caused to others, such as bodily injury and property damages. Note that Liability Insurance does not cover the damage to your car.

Collision Insurance 
It might provide coverage if your car becomes damaged from an accident, regardless of its fault. Collision Insurance comes with a deductible where you choose the amount, and by the time you file a claim, it will be reduced by the amount you chose.

Comprehensive Insurance
It might cover damages due to fire, vandalism, flood, and falling objects. 

Information You Will Need When Getting an Auto Insurance for the First Time
Before purchasing an auto insurance policy, you need to prepare and gather the following personal information:

• Driver's license numbers
• Birthdate
• The address of your car (home address)
• Vehicle identification number
• Safe-driving courses completed
• Student driver grades

Tips for Getting An Auto Insurance
As a first-time car insurance buyer, you might consider the following tips. 

Know your state's car insurance requirements.
Liability requirements differ depending on your location. Researching your location's car insurance requirements might be beneficial. 

Determine how much coverage you will need.
The amount of coverage you need depends on a lot of factors. These factors include your age, location, the type of your vehicle, and credit score. There are a variety of coverages included in an auto insurance policy. Add-ons coverage includes personal injury protection and uninsured and underinsured motorist coverage.

Get good grades as a student driver.
Usually, student drivers who get good grades are qualified for discounts. Student drivers must maintain a GPA of 3.0 and above to get discounts for their premiums. It might be helpful, especially if you are on a budget.

Conclusion
Getting car insurance is essential because it protects you and your car from unwanted damages. It may provide you peace of mind knowing that your car is insured when an incident strikes your vehicle. 

At Black and Associates Insurance, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (509) 464-0058 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.