Scottsboro, Alabama
1905 Veterans Dr
Scottsboro, AL 35769
(256) 574-3440

4 Tips for Insuring Your First Car March 18, 2019

Scottsboro, Jackson
4 Tips for Insuring Your First Car, Scottsboro, Alabama

Buying your first car is an exciting step, but getting the right insurance is often confusing, especially with so many options available. Should you go for the minimum, or do you need more car insurance coverage? How do you know if you’re getting the best deal, and is there any way to bring the premiums down? The following tips will help ensure you get the coverage you need without overpaying on your premiums.

4 Car Insurance Tips for New Drivers

1. Understand the Requirements

car insuranceEach state requires drivers to carry some sort of car insurance to protect others if they cause an accident. In Alabama, for instance, you must have at least $25,000 in liability coverage per person injured in a crash with a $50,000 limit per accident. If you got an auto loan, your lender might require you to carry comprehensive and collision coverage, as well.

2. Work With an Insurance Agent

Online quote tools make getting estimates easy, but how can you tell if the policies they recommend are right for you? An insurance agent will review your financial situation, take the time to understand your priorities, and shop around to find a policy tailored to your needs.

3. Choose a High Deductible Policy

The deductible is your share of the costs of a claim, which you’ll have to pay before your coverage kicks in. Generally, the higher your deductible, the lower your monthly premiums will be. Just make sure you can afford your portion of the costs if you do back into a mailbox or cause an accident.

4. Take a Driver Safety Course

Car insurance companies typically charge young drivers more since they have less driving experience. However, most providers will also give you a discount after completing an approved driver’s safety course. Following the rules of the road and avoiding tickets will help your premiums come down as you get older.

For over 30 years, the agents at Goggans Insurance has been matching Scottsboro, AL, drivers with car insurance policies designed to meet their needs. They work with some of the best insurers in the industry, giving them a broad range of policies to choose from. Visit their website to learn more about their car insurance products, follow their Facebook for updates and news, or call (256) 574-3440 to request a free quote and make an appointment.

Other Announcements, Events and Deals from Goggans Insurance
Top 5 Factors That Raise Car Insurance Premiums, Scottsboro, Alabama
Everybody pays different amounts for car insurance according to their risk profile and the provider’s proprietary formulas. While there are some factors you can’t control, there are more
The Do’s & Don’ts of Preventing a Kitchen Fire While Cooking, Scottsboro, Alabama
If you’re new to cooking and navigating around the kitchen, the experience can be exciting but a bit intimidating. After all, you’re thrilled at the idea of learning to prepare more
 Consider These New Year's Driving Resolutions, Scottsboro, Alabama
The old saying, "new me" is often used to indicate someone's re-commitment to fitness or healthy eating in the new year. However, it applies equally well to other more
The Top 5 Tips for Holiday Home Safety, Scottsboro, Alabama
The last thing you want to deal with during the holidays is a home insurance claim due to a fire, broken pipe, or other type of damage. To avoid this type of trouble, it's important more