Shopping for car insurance for the first time can be daunting, as insurance rates will likely be higher and some companies won’t write a policy for someone who has never had auto coverage before.
While buying insurance online based on price alone may be convenient, you risk under-insuring or over-insuring yourself. Even worse, you risk purchasing the wrong coverage altogether. At a base level, it’s important to understand coverage and protection. Researching your state’s insurance department website will let you know the minimum limits required for where you live, but minimum limits don’t always protect everything that is important to you and your family.
It’s important to find an agent who will comprehensively educate you about the product you are purchasing so you are equipped to make the best decision. Be sure they are maximizing your available discounts and ask any questions on your mind – a good agent will respect your due diligence! Buying insurance is an important financial decision, so be sure you feel informed and comfortable with your purchase.
Auto insurance rates are based on many factors: age, gender, vehicle specifics and driving record, just to name a few. To get the most accurate rates, be prepared to provide full names, birthdates, and driver’s license numbers for all household members.
If you have your vehicle identification numbers (VIN) available, providing this will allow all the specs of your car to be used in the rating. For example, two-door (considered sportier) versus four-door vehicles, along with the number of cylinders your car has, can make a big difference in determining your premium. Be honest about your driving record, as tickets, accidents and claims do affect your rate.
Additionally, providing details such as homeownership, military experience, and education can all lead to discounts on your policy, so be sure to share this info and ask your agent about all available opportunities to save.
Reach out to The Churchill Agency today if you have questions about auto insurance for first-time drivers, or to get a quote (855.531.8777 or insurance@thechurchillagency.com).