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Learning to drive is a liberating experience, but a good amount of responsibility comes with getting behind the wheel. While obeying traffic laws and driving cautiously are vital to staying safe on the road, finding the right auto insurance policy to protect your car is just as important. The agents at Sun Valley Insurance in Indian Trail, NC, know purchasing a plan can seem confusing, especially to first-time drivers. They explain what you need to know so you can get the right coverage.

Understand the Mandatory Coverage Requirements

Auto InsuranceNot all coverage areas are mandatory by law. In fact, drivers are only required to purchase liability coverage. This coverage protects you from liability if another individual is injured when you’re involved in an accident. There are different levels of coverage you can purchase, but your insurance agent will make recommendations based on your budget and preferences. As long as you have the minimum coverage required by law, you’re set to drive. However, liability insurance alone will not protect you or your car if you’re in an accident that wasn’t your fault.

Consider Additional Coverage

Most drivers opt for additional protection. Collision insurance reduces your out-of-pocket expenses should your car require bodywork after an accident. Comprehensive coverage protects you from vandalism, theft, severe weather damage, and other incidents. While not mandatory, comprehensive and collision coverage are highly recommended, especially for first-time drivers who are just starting to get comfortable behind the wheel.

Decide on Your Premium & Deductible

Every month, you’ll be expected to pay a premium for your auto insurance. If you’re set on a specific policy but need to lower your monthly payments, you can increase your deductible to reduce the cost of your premium. However, if you’re worried about being involved in an accident or live in an area where vandalism is a problem, you may want to keep your deductible lower. This reduces your out-of-pocket expenses anytime you need to file a claim.

Working with an experienced agent is also crucial when purchasing auto insurance. As an independent agency, Sun Valley Insurance will negotiate the best rate with multiple providers so you have affordable, comprehensive coverage. Learn more about your options by visiting their website, and call (704) 282-1155 for a free quote today.

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