Buying a car for the first time is a memorable and exciting milestone, but there’s more to it than simply picking out a make, model, and color. Becoming a car owner also means selecting an auto insurance policy. With the overwhelming amount of options available, this can be a daunting task for anyone, but especially if it’s a whole new territory you’ve never explored before. Fortunately, NorthEast Insurance Services, serving the New York, New Jersey, and Pennsylvania area, is able to guide clients through the ins and outs of insurance so they can better understand the kind of coverage and protection they need.
The insurance experts focus on the following key points when helping clients find a suitable policy:
- Types Of Coverage: First, it’s essential to know the different types of insurance coverage. Bodily injury liability and property damage liability are requirements for car owners in most states. They cover the damage you cause to other drivers, passengers, and vehicles in the event of an accident. Optional coverage add-ons include personal injury protection, uninsured/underinsured motorist, collision, comprehensive, and guaranteed asset protection. Each of these are meant to provide you and your vehicle with protection should an incident occur.
- Factors That Determine Rates: There are numerous factors that insurance companies look at to determine what rates they can offer. Some of these include your previous driving record, the age, make, and condition of your vehicle, your address, and your age and gender. Each of these elements plays a role in telling a provider how risky you may be to insure.
- Deductible Amounts: You must also decide what you want your deductible amount to be on your policy. This is the out-of-pocket expense you will be responsible for before your insurance takes over (if you should need your car repaired after an accident). It will directly relate to how much you pay for your monthly premium as well. Generally, the lower the premium, the more you will pay for a deductible and vice versa.
One of the most important things to remember when choosing auto insurance for the first time is that it’s not always a good idea to go the cheapest route. Let an experienced insurance agent from NorthEast Insurance Services assist you in finding the right coverage. That way, you can have the peace of mind that comes with knowing you’re adequately protected. Call them at (732) 972-1771 or visit their website for more information.