Common Car Insurance Questions

New drivers have a lot of things to learn, and it can get confusing. One of the important things you need to know about as a new driver is car insurance. This is a legal requirement when you drive a car, and it is also important to have for your own protection. You likely have many of the same questions about car insurance that other new drivers have. That's why this article covers a couple of the most frequently asked questions. The answers will be good for you to read!

What are the different types of car insurance policies and riders are there?

There are some different choices when it comes to the type of policy that you go with. For starters, you will be required by law to at least have liability coverage. This type of coverage will cover the other person's car repairs, medical bills, and other losses up to the amount of your policy. However, it won't cover you, your losses, or your vehicle. 

There is also collision coverage, and this will cover the damages to your vehicle if you are involved in an accident. There is also comprehensive coverage, and this coverage will cover your vehicle's damage if you end up hitting something. Comprehension coverage covers the damages to your vehicle from things not involving an accident. So, if a hailstorm leaves your car damaged, then this insurance would kick in to cover the damages. Uninsured and underinsured coverage will cover you if you are involved in an accident with someone who has no insurance or whose insurance isn't enough to fully cover your damages and losses. 

Windshield coverage will cover the cost of replacing your windshield if it has been broken. Rental car reimbursement will help you out by covering the cost of a rental car if you have to be without a car for a few days while it is being repaired due to an accident. Roadside assistance will help if you are stranded by covering the cost of a tow truck. 

How do you pick the best policy?

You want to be as covered as possible, but you also need to be able to pay for the insurance each month. So, you need to take some time to decide how much you can afford and which policy type and riders you feel are the most important. Many people make sure to add things like roadside assistance because it only costs a very small amount extra each month and can be extremely helpful.

For more information, talk to an auto insurance agent today.