Being a new to driving can be very exciting. Especially if you just received your first car as a gift from your parents for your 18th birthday or you just got that 2nd hand car from all the salary you got as a working student. You might want to just hold on to that steering wheel after you get your license and just drive away. But there are a lot more things that you have to think about before you start driving. Your safety and other car owners should come first above all else. You should first value yourself before you start thinking about your car so why not get yourself auto insurance?
Wait, what is auto insurance?
Auto insurance is like your own personal safety net that protects you from things that could happen in accidents. It can help you cover the expenses that the damage has caused you and the other driver. It takes care of bills and other payments that you may need like medical treatment, repairs, personal damages and etc.
Plus, it doesn’t just cover you or your passengers and your car, but it can also help the other driver or his/her passengers during the time of the accident. It all depends though on how much your auto insurance company will pay for your accident basing on your premium or terms.
Why do I need it? Is it really that important?
You definitely need one. Being young and all, you might tend to overlook the pros of having auto insurance. Aside from being protected at times of accidents, it can help save you from surprising consequences of accidents like big damage payments and medical bills.
And maybe you are not yet convinced as to how auto insurance protects you: you should know that all the states of America require every car owner to have auto insurance. It’s one thing that should convince you to avail of auto insurance
Do I have to pay for it?
Of course, you do. You get your money’s worth when you need it. Your payment fuels your protection in times of accidents. The payment you make is called a premium. Also, the auto insurance companies draw from your premium and other clients’ too to provide sufficient support to any client that may need it.
Does having a higher premium translate to having better auto insurance?
No, because there are different factors that determine the premium you are going to pay in exchange for auto insurance. Age, gender, driving record and credit rating are few of the factors that the auto insurance companies will take into consideration.
As for teens and students like you for example, there are a slight difference in premium rates. You can’t always expect to receive the same premium rate like other people with regular jobs or etc.
But this is where the terms of your auto insurance come in. you will be first asked what kind of coverage you would want, for example, for you and your car and what are the other things that will be included in the auto insurance.
The types of coverage available out there are virtually countless. Every company has a unique type of coverage to offer. But one thing is for sure; you should be responsible enough to drive out there thinking about what can and may happen to you or to other people. Be a young, responsible driver and get yourself and other motorists protected with auto insurance.