Making Sure You’re Covered with the Right Auto Insurance as a New Driver!
by adminThe independence that comes with being a new driver can be exhilarating, albeit nerve-wracking. Being on the road for the first time, be it with family and friends, or on your own, you want to make sure you have all the right resources and tools to keep you safe, especially when it comes to auto insurance.
While auto insurance can be a tricky topic to understand, this guide can help you understand auto insurance as a first-time driver. You may also find that employing an insurance broker, like Prime Insurance Centre in Surrey can make the process easier for you as they could help in finding you customized coverage suited to your needs, such as the right coverage type, policy length, and payment options.
Types of Coverage
While some coverage options are compulsory and some are optional, auto insurance generally comprises 3 different types of coverage, which offer protection in case of any damage, loss, injury, or liability.
The first one is liability insurance which is meant to protect you in case you are liable and found to be at fault. The second one is collision insurance, auto insurance to protect your vehicle from repair and replacement costs in case your vehicle is involved in a collision. The third type of auto insurance is comprehensive insurance which protects your vehicle from repair and replacement costs in case your vehicle is involved in damage that hasn’t been caused by a collision.
Additional coverage may also be offered when you buy auto insurance, for example, emergency roadside service in case you and your vehicle are stuck and need a lift, motorist protection for when you are in an accident with a motorist who does not have insurance, or is without liability coverage.
Since some coverage options are compulsory while others are optional or only available to specific drivers, an insurance broker here at Prime Insurance can help you by going through the various options available to you, making sure you gather all information, including applicable discounts, and coverage options specific to you and your vehicle.
Policy Length
When it comes to finding the right policy length for you and your vehicle, you have lots of options as policies range from a day to a year, and everything in between. One-year policies are a common choice when your vehicle is going to be on the road often, and they renew each year on the date of purchase. Shorter policies include 3-to-11-month policies when you’re just not sure if your vehicle will be on the road for 1 full year. Shorter policies may be for 1 to 28 days when your vehicle needs the road for just a few days. Talk to your insurance broker to help you find the best policy to meet your vehicle needs.
Determining Your Payment Options
To find the right plan for you, consult insurance brokers like Prime Insurance who can help you find the plan suited to meet your cost needs and vehicle, including monthly plans where you can make small payments over a long period.
To learn more about Prime Insurance’s auto insurance, visit our us today and we will fit you with an insurance plan that best suits your needs!