What You Need To Know About First Time Driver Auto Insurance

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What You Need To Know About First Time Driver Auto Insurance

Given new drivers’ lack of experience, first time driver auto insurance can be very expensive. The reason is that the inexperience of new drivers makes them a much higher risk for causing or being involved in an accident when compared to more experienced drivers. This is particularly the case when it comes to new teenagers who are first learning how to drive. In fact, statistics reveal that it is ten times more likely that a teenage driver will be involved in a motor vehicle accident compared to adult drivers aged 30 to 59.

Obtaining First Time Driver Car Insurance

It doesn’t matter whether you are an adult or teenage first time driver, first time driver auto insurance can greatly affect your driving experience. New drivers are legally required to purchase it, but first time driver auto insurance can also protect you if you are involved in any type of car accident. Not having to worry about covering all of the necessary expenses if you do have an accident should make you more relaxed on the road and provide you with some peace of mind.

What is Covered with First Time Driver Auto Insurance

Liability coverage is always included in standard first time driver auto insurance. This is perhaps the most crucial coverage for any driver because it will cover the expenses regarding vehicle damage or physical injuries that you have caused. Most standard first time driver car insurance policies use a baseline of 100/300/100. The numbers mean that $100,000 is designated to cover any bodily injuries, $300,000 is allotted to cover the injuries of every party involved in the accident and the remaining $100,000 will cover any property damage. However, you need to verify the specific minimum amount of coverage with your insurance company as the numbers vary for each state.

Medical payments coverage are also included in standard first time driver auto insurance. This type of coverage will pay for all of the medical expenses incurred by every party involved despite who actually caused the accident. Standard first time driver auto insurance policies may also include personal injury protection coverage which will pay for any lost wages, pain and suffering as well as funeral expenses.

In addition, first time driver car insurance policies include underinsured and uninsured motorist coverage. This is very important as it will pay for your injuries if any other parties involved have no or insufficient insurance coverage.

How to Lower Your Premiums

Many new, inexperienced drivers don’t realize that they may still qualify for lower premiums for their first time driver car insurance policy. Here are some steps you can take to reduce the cost of your premiums:

Never purchase a vehicle such as a sports car that is classified as high risk
Choose an auto insurance policy with a higher deductible which will lower your premiums
Ensure the vehicle you purchase contains numerous safety features and is solidly built
Teenage drivers can reduce the cost of your policy if they are added to your parents’ insurance policy rather than purchasing standalone auto insurance
Maintain a clean driving record by avoiding traffic violations and driving safely every time you get behind the wheel
Permit restrictions such as not driving at night or taking a driving school course to be added to the use of your driver’s license

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