What to Expect When You're Buying Car Insurance for the First Time
You've done it! You've passed your driving test and you're now in the process of buying your first car.
As exciting as this is, there are lots of different things that you need to organize when you're a first-time driver. One of those things is insurance.
Legally, you are required to have valid insurance from the day that you begin driving your vehicle. It's there to protect you in the event of an accident and it can significantly subsidise your expenses if you're involved in a road traffic incident.
Organizing your car insurance might seem like daunting task, but by spending the time to do some careful research, you can easily find a great policy that covers all of your driving needs.
Here are some key things that you should expect as you're signing up to a car insurance policy for the first time.
Company Reviews Matter
You can gain valuable information about how reliable and trustworthy the company is by taking a look at their reviews.
Just one look at a company's online testimonials can tell you a lot about the quality of their insurance policies. For example, the State Farm insurance reviews are full of satisfied customers who are recommending this company to others.
It's important to take note of what other people liked and disliked about a specific company before you sign up to one of their policies. Does the company have great customer service? How do they resolve customer concerns?
Organize Your Insurance Early On
If you plan on driving your new car straight home from the dealership, you will need to organize your insurance so that it is active on the day of your purchase. No matter how close your house is to the dealership, driving without valid insurance can get you into a lot of legal trouble if you get caught.
Many dealerships require proof of insurance before they sign the car ownership over to you so remember to take a copy of your policy with you to the dealership.
There Are Different Types of Insurance
Most first-time drivers aren't aware that there are a few different kinds of insurance that you can get. The three main types are fully comprehensive, third-party and third-party, fire, and theft.
Which option is best for you depends on how confident you are driving, where you live, and how expensive your vehicle is. To learn more about the different types of insurance, you can research online or contact an insurance provider to discuss your options.
As a newly qualified driver, you might benefit from getting black box insurance. A black box is a small device that is placed in your car. They monitor your speed, acceleration, and braking. This information gets collated into a score, which can be viewed by insurance companies.
If you have a great black box score, your insurance providers might decrease your quote when you renew your policy a year down the line.