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Agency Blog

Types of Auto Insurance New Car Owners Can Consider

11/3/2020

19 Comments

 
Picture
​It will be a milestone when you are able to purchase your first car. Most young professionals feel that they have obtained a sense of independence. Of course, having your own vehicle provides you with the privilege to travel to places. You can leave the house at your own time without worrying that you will not catch the bus or the train.
Importance of Auto Insurance
Having your own vehicle is both a privilege and a responsibility. It is a privilege since not everyone can get a personal car. Nonetheless, it is also your responsibility to protect yourself and your vehicle when driving on the road. Hence, first-time car owners need to get auto insurance to cover you while traveling on the road. 

Most US states require car owners to have auto insurance, so you need to have one. But aside from complying with state regulation, car insurance offers insurance to first-time drivers like you. If you smash into another car or hit someone, your car insurance can cover the expenses for car repairs and the other person’s medical treatment cost.

It can also cover your medical expenses and treatment for your passenger if you got involved in a road accident. If your vehicle broke down, your policy could cover the costs of repairing your car.

Types of Auto Insurance
It could be tricky for new car owners to select the kind of auto insurance that you need. Sometimes first-time drivers are enticed to get the cheapest policy available. Most of the time, the most affordable policy is not the best choice. You must understand the coverage of each type of car insurance policy. It will guide you in choosing the coverage that suits your needs.

Here are several types of auto insurance coverages you can consider when you get your policy:
  • Liability coverage. There are two types of liability coverage, which are bodily injury liability and property damage liability. Bodily injury liability can cover medical expenses and lost wages of another person who got injured from a car accident that you caused. It can also cover your legal fees. On the other hand, property damage liability could cover the expenses if you damaged another person’s property, such as if you run over your neighbor’s fence. Most states will require you to have both types of liability coverage.
  • Collision insurance. It is a type of car insurance that can cover the costs of repairing or replacing your vehicle after you collide with another car or object.
  • Comprehensive insurance. It can protect your car by covering any damage to your vehicle caused by any car accidents. It can pay for damages to your car caused by animals, falling objects, fire, or theft.
  • Medical payments coverage. It can cover your medical expenses after a vehicular accident. It also covers the medical expenses of a family member or your passengers riding with you when the accident happened.
  • Personal injury protection insurance. It protects the driver. If you got injured in a vehicular accident, it could cover medical costs over the limit of your health insurance. It can also pay your lost wages or loss of services due to the car accident.

Conclusion
Buying their first vehicle is a dream come true for most young professionals. However, it would be best to remember that there is also a responsibility associated with owning a car. You must protect yourself, your passenger, and your vehicle by obtaining auto insurance so you can drive your vehicle with peace of mind.

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.
19 Comments
Taylor Hicken link
2/24/2021 07:20:34 pm

It's interesting to know that your insurance policy will cover the cost of repairs if your car gets into an accident. My cousin just mentioned the other day that she is thinking of buying a car since she is starting a new job and it does not have any nearby public transportation in the area. I will suggest to her getting auto insurance from a reliable provider in case she gets into an accident.

Reply
Rebecca Gardner link
3/11/2021 11:23:46 am

I'm glad you explained that collision insurance covers damage from an accident with another car or an object. I'll be buying my first car in a while since I'll be moving away from the city for work this summer. Thanks for teaching me what types of auto insurance coverage to consider for my new car for peace of mind.

Reply
Mia Evans link
7/5/2021 06:04:21 pm

I like that you talked about comprehensive insurance since it can cover any damage to the vehicle. I will choose this for my car to ensure that I will not worry about the expenses when there are unforeseen events that can damage the car. It will be perfect for an average earner like me who might not afford any expensive repairs in the future.

Reply
Braden Bills link
7/12/2021 07:26:26 am

I want to make sure that I get the right car insurance. It makes sense that I would want to look at the different kinds of coverages. That way, I can ensure that my car is properly insured.

Reply
Hailey Miller link
7/14/2021 06:45:36 pm

Thanks for pointing out that insurance can protect ourselves and our vehicle when driving on the road. My husband and I are planning to buy a car that will fit us and our two kids in August. We are hoping to get medical payments coverage that can cover our medical expenses in case an accident happens.

Reply
Kristofer Van Wagner link
7/28/2021 05:13:32 pm

I like that this post underlined that when choosing an auto insurance, it is important for us to look for a trusted agent. Considering that insurance for older cars is more expensive, it is important to choose wisely. I will definitely be more mindful.

Reply
Millie Hue link
7/28/2021 05:14:04 pm

I like that you talked about liability coverages and how they can cover medical expenses and even lost wages. I would definitely make sure that there is coverage for this area once I have my own car. It would protect me if ever I get into an accident and it's my fault since I am just a new driver.

Reply
Chance Cook link
8/10/2021 10:44:13 am

Thanks for sharing how collision insurance covers repairs and replacing your car after the accident. I thought I'd have to pay for a replacement car. So I am glad that is not the case if I get the right insurance.

Reply
Eve Mitchell link
8/19/2021 08:44:25 am

I liked your tip about the two kinds of liability insurance and the importance of both. My son recently got his own car and he doesn't want to buy insurance. I think it's important for him to have coverage so that he's protected just in case.

Reply
Kristofer Van Wagner link
9/27/2021 10:50:02 pm

I do agree that when looking to have auto insurance, it is important that we look at the coverage. It makes sense as surely we would want a comprehensive coverage. I will definitely pay more attention at the coverage before agreeing to anything.

Reply
Sabrina Addams link
9/29/2021 10:40:37 am

My brother just bought his first car and is looking for some auto insurance. I thought it was interesting that you pointed out choosing the coverage that suits you, and it might not be the most affordable option. Investing in good coverage is definitely something that I'll mention to my brother as he starts looking into his options.

Reply
John Carston link
10/14/2021 09:25:01 pm

I like that you mentioned that there are two types of liability coverage, which are property damage liability and bodily injury liability. My uncle mentioned to me last week that he doesn't have his car insurance and he asked if I can help him. Good thing there is a trusted car insurance company in town and I'll be sure to help him and do the consulting by myself.

Reply
John link
1/7/2022 07:35:31 pm

It helped when you mentioned that it is important to consider the coverage that you will need. My uncle mentioned to me last night that he is planning to have auto insurance for his new vehicle for the safety purposes of him and his car and asked if I have any idea what is the best option to consider. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted auto insurance agency as they can answer all his inquiries and will provide the service he needs.

Reply
Jeff Carbine link
1/27/2022 12:02:49 am

I like what you said the majority of young professionals consider themselves to be self-sufficient. This is a good article, my uncle is looking for info and this should help him. I wanted to thank you for your explanation about car insurance.

Reply
Jeff Carbine link
1/28/2022 06:29:09 am

I appreciate that you explained collision insurance is a form of automobile insurance that covers the expenses of repairing or replacing your vehicle following a collision with another vehicle or object. My best friend is looking for some info, this should help him. I appreciate that you helped me learn more about car insurance.

Reply
Victoria Addington link
3/1/2022 08:40:44 pm

I was captivated when you explained that medical payments coverage can cover your medical fees after a car-related accident. My brother just purchased a new car, and he wants vehicle insurance for it. I will share this post with him so he can get an idea of the best coverage to take.

Reply
Max Jones link
5/27/2022 12:58:37 pm

Thanks for the info about auto insurance. My brother wants to get a new car. I'll share this info about car insurance with my brother.

Reply
Charlotte Fleet link
8/5/2022 02:25:26 pm

I find it very interesting that auto insurance can help cover the costs of repairs in case of accidents. My younger sister just bought a new car that she can take to college in the fall. I will make sure that before she starts using her new car, she gets it properly insured so she can be protected and financially covered.

Reply
Thomas Clarence link
11/21/2022 11:01:49 am

It was helpful when you mentioned that you need to have car insurance because most states require it. It seems like it would be important to make sure that you pick car insurance that has monthly payments that you can afford. Working with an insurance agent seems like the best way to find an insurance plan that will work best with your budget.

Reply



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