The thrill of securing a driver’s license and being able to get behind the wheel is a milestone most people look forward to. Just as exciting is getting your own vehicle. With these important responsibilities, it’s important to have the proper auto insurance in place. If you’re new to driving, the following are essential things to know about protecting you, your vehicle and others on the road.

3 Auto Insurance Details New Drivers Should Know

1. Types of Coverage

In most states, drivers are required by law to have at least liability coverage. This type of auto insurance pays for another person’s vehicle and structural damage and bodily injuries in an accident caused by you. There are other types of policies such as collision and comprehensive, which are usually sold together. Collision insurance covers accidents involving impacts with other vehicles and structures while comprehensive pays for other non-collision incidents such as theft, fire, and natural disasters. Depending on your state, you may also be required to obtain underinsured/uninsured coverage, which pays for damages to those who fall into both categories.

2. Rate Determination

Auto insurance providers review several factors to determine how much you’ll pay for coverage. These include the type and age of the vehicle you drive, your driving record, and where you live. First-time drivers under the age of 21 are typically added to their parent’s insurance, which can increase premiums. The good news is there are a number of ways to lower costs through discounts offered by the insurance carrier. These include getting good grades in school, installing anti-theft equipment on your vehicle, and not getting traffic tickets.

3. Rate Comparison

As a first-time driver, it pays to shop around for the best rates and deals from several auto insurance companies. There are a host of online calculators that will compute whether it’s more cost-efficient to be added to your parent’s existing policy or get one on your own. An experienced independent insurance agent can offer a side-by-side comparison so that you’re able to see who has your preferred features.

Southern Insurance Associates in Hixson, TN, continues to be the agency individuals and business owners in Tennessee, Georgia, and Alabama call on for reliable and affordable coverage. The friendly and experienced agents take the time to walk new drivers through the process of securing customized auto insurance. If you’re in the market for a policy for the first time, call (423) 296-0626 for a free, no-obligation rate quote. You can also go online for additional details about car insurance.