Auto Insurance for First Time Drivers:MyQuickInsurance.Com, Inc.

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Auto Insurance for First Time Drivers

Auto Insurance for First Time Drivers

First time driver auto insurance can be costly due to a driver's lack of practice in driving. This rawness makes the driver a elevated risk to insure compared to experienced drivers. This is especially true for teenagers who are driving their first car. As statistics show that teenagers are ten times more likely to get into an accident than an adult driver aged between 30 and 59.

Whether you are a teen or an adult first time driver, a first time driver car insurance can really make a lot of difference in your driving experience. Aside from being required by law, a first time driver auto insurance can give you guard when accidents occur. With every fiscal qualms to some extent diminished, you can be more comfortable and have more calm of mind while driving.

Typical first time driver car insurance includes liability coverage. This is the most significant coverage of typical first time driver auto insurance as it pays for expenses on injuries or vehicle damage that you caused.

A good baseline for a typical first time driver car insurance is 100/300/100. This means $100,000 for bodily injury, $300,000 for the injuries of all parties involved and $100,000 for any property damage. On the other hand, every state has its own laws on the smallest amount of coverage so be convinced to ensure what applies to you.

Another coverage included in a typical first time driver auto insurance is medical payments coverage. This coverage takes care of the medical expenses of all parties regardless of who caused the accident. Moreover, standard auto insurance can include Personal Injury Protection coverage. This coverage pays for funeral expenses, lost wages, suffering and pain.

Additionally, a first time driver car insurance includes the uninsured motorist coverage and the underinsured motorist coverage. This coverage will pay for your injuries if the other party is not insured or has insufficient coverage.

First Time Driver Auto Insurance – Tips to Get Lower Premiums

Even when you are an inexperienced driver, it is still possible to get cheaper premiums for your first time driver car insurance. Below are some tips for you.

- Start off with a car that is built well and that has plenty of safety features.

- Do not buy a car that is considered a ‘high risk’ (e.g., sports cars).

- Buy a car insurance policy that has a higher deductible. Higher deductibles decrease the premiums.

- Allow for restrictions to be placed on the use of your license. Examples of such restrictions could be requiring you to go to driving school or not allowing you to drive at night.

- If you are a teenage driver, it will be more cost effective for you to get a stand alone car insurance than being added to your parents' insurance.

- And last but not the least, maintain a clean driving record! Drive safely and avoid committing traffic violations.

What it comes down to is that you can get better rates on a first time driver car insurance by becoming a responsible driver and by being accountable for all of your actions.

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