There is nothing more exciting than getting behind the wheel for the first time. However, before you hit the road, it’s important that you have the right auto insurance policy. Even the most careful of drivers may encounter issues on the road; with insurance in place, you and your vehicle will remain protected no matter what occurs.

First-Time Driver? 3 Crucial Insurance Tips

1. Know How Your Rate Is Determined

For younger drivers, insurance rates are often higher. That’s because companies consider younger drivers a higher risk to insure and are hoping to mitigate the cost by asking for more expensive premiums. Other factors may impact your rates, including the kind of car you drive, where you live, and whether you’ve taken any driver education classes.

2. Inquire About Discounts

The good news is there may be discounts available to you that can reduce the rate you’re asked to pay. As mentioned above, taking a driver’s ed course can help you secure a discount as this will establish you as a more responsible driver. Other discounts might also apply, including your grades at school and how many safety features your vehicle has.

3. Consider Getting Supplemental Coverage

You might also want to consider going beyond the mandatory coverage in your state. In most cases, there is a minimum amount of coverage you must have. While it’s crucial to have at least that amount, supplemental policies are necessary to remain fully protected. For instance, they can cover damage to another person’s property as well as medical expenses incurred by passengers harmed in a crash.

When it comes to protecting you and your car on the road, turn to Sun Valley Insurance in Indian Trail, NC. As an independent insurance agency, they offer a broad range of products from leading providers, allowing you to get coverage that fits within your budget. Call (704) 282-1155 today to get a quote on an auto policy, and visit their website for more information on their services.