It’s exciting when you’ve finally saved enough money to buy your first vehicle. However, you must have car insurance before you get behind the wheel and take it for a spin. For more than 100 years, Reed Brothers Insurance in Campbellsville, KY, has helped first-time auto buyers get the comprehensive and budget-friendly coverage they need to enjoy their new ride.
3 Car Insurance Tips For First-Time Buyers
Understand Your Coverage
There are several standard car insurance policies, including liability coverage that pays for damages and injuries to others if you are responsible for a car accident. Most states, including Kentucky, have minimum requirements for liability coverage. Other car insurance policies include collision and comprehensive coverage, personal injury protection, and uninsured motorist protection. A professional insurance agent will help you determine the best coverage for your driving needs.
You can shop around on the internet for the best auto insurance rates or turn to a reputable insurance company. An independent insurance agent will offer products from a variety of providers, so you’re sure to find coverage that suits your needs. They also can advise you about discounts and other ways to keep your premium low.
Determine How Much Coverage You Need
Most lenders require drivers to have comprehensive and collision car insurance when buying or leasing a vehicle. A rule of thumb is to get enough liability insurance to cover potential claims if someone decides to sue you for causing an accident.
Reed Brothers Insurance has served residents of south-central Kentucky since 1912, and they specialize in providing first-time vehicle buyers with car insurance that meets their budget. Whether you’re seeking affordable insurance for a car or your home, you can count on their friendly team of insurance agents for the best policy. Call (270) 465-2717 for a free, no-obligation quote, and check out their website for information about their auto policies and providers.