• Car Insurance Tips for Your First Auto

    When purchasing your first car, you’ll also be required to purchase car insurance for your vehicle. Here are a few car insurance tips to consider when choosing a policy. These tips will not only help you save a little money with your first insurance policy, they will help you make sure that you get adequate coverage as well.

    Know the Law in Your State

    All states require that you maintain minimum amounts of liability auto insurance for any vehicle that you drive. So, you need to make sure that you know what the minimum amounts of coverage for your state are. You can find this information on the Internet or simply by calling an insurance agent in your area.

    Consider Higher Limits

    If this is your first car, then you are probably not a very experienced driver. So, until you get much needed driving experience under your belt, you might want to consider purchasing an insurance policy that provides for higher coverage limits. While purchasing an auto insurance policy with higher limits will cost you more money, it could save you from potential personal liability in an accident where you are found to be at fault. In many cases, if the car insurance policy does not cover all the costs and expenses incurred by other people involved in the accident, and you are at fault, you may be required to pay them out of pocket. So, choosing a policy with higher limits will help you avoid this.

    Take a Driving Course

    If you’re still in school, you should enroll into a driver education and safety class. This will not only help you to learn proper driving methods and techniques, but will also help you save money on your car insurance as well. Most insurance companies offer a discount for students that have enrolled in and passed a driver education course. Even if you’re not in school, you can take driver safety classes at private schools in your area. These types of courses also qualify for discounts with many auto insurance companies as well.

    Ask Mom and Dad For Help

    If you’re still in school and you still live with your parents, you may still be eligible to be listed as a driver on your parent’s car insurance policy. If you are eligible to be added to your parent’s policy, your insurance premium rates will be much less than if you purchase a policy on your own. Many insurance companies allow you to remain on your parents insurance policies as long as you are a full-time student enrolled in an accredited and approved educational institution.

    Always Shop Around

    Shopping for car insurance is just like anything else, and you should make sure that you compare premium quotes from as many insurance companies as possible. You can use the Internet to quickly shop for rates from many companies by visiting sites like Insweb.com or CarInsurance.com, or by filling out the form below. These types of websites will allow you to receive quotes from several different insurance companies at once, and then you can choose a quote from a company that meets your requirements for coverage limits as well as offers a premium you can afford.