☰ ˟
Appointments Call Us
Logo
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Location
      • This Month's Tip
      • Community Involvement
    • BlogImage of right arrow
      • Do I really need Personal Umbrella Policy?
    • Get A Quote
    • Our Providers
    • Our Partners
    • Contact UsImage of right arrow
      • Inspro Professionals of NC INC
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Personal Umbrella Insurance
    • Farm InsuranceImage of right arrow
      • Farm Owners Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • HSAs
      • Medicare
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • 401K
      • Pension Plans
      • Profit Sharing Plans
      • Traditional & Roth IRAs
    • Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Restaurant, Bar, & Tavern Insurance
      • Condominium
      • Apartment Owners Insurance
    • Coverage for Your BusinessImage of right arrow
      • Cyber Liability Insurance
      • Loss Control Services
      • Marine Insurance
      • Employee Practices Liability Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Group Benefits Insurance Quote
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Watercraft Insurance Quote
  • Resources
    • Refer a friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About
    • Our Location
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Get A Quote Auto
Get A Quote Homeowners
Get A Quote Business
Get A Quote Life & Health
Get A Quote Group Benefits
Get A Quote Recreational
Home > Blog > Getting Your First Car And Insurance Policy
MONDAY, SEPTEMBER 2, 2024

Getting Your First Car And Insurance Policy

blue bmw m 3 on red floorLearning to drive means taking on a huge responsibility. Your first few years behind the wheel likely will require considerable discretion. After all, you have a car to take care of, which is an expensive piece of heavy machinery. You also have to ensure others on the road – and your passengers - are protected. Most importantly, you must take care of yourself. There are a wide range of laws and rules to help you meet that goal.

As a newer driver, it might be hard to keep up with some of the rules of the road, and of automobiles. Therefore, it’s critical to keep safety in mind – whether you’re in the car buying process or shopping for insurance.

Use a Reputable Car

Some young drivers get their first vehicles from their parents. Others buy their own cars. When selecting your first car, pay attention to a few important details.

  • Look at your car’s consumer ratings. See if it has a reputation for good performance. Often, a sturdier car, can best benefit young or inexperienced drivers.
  • Ask for a vehicle history report on the car. This can give you specific information on your exact car. It might tell you if the car has recalled parts, a history of accidents, or flawed parts that make it a lemon.

Furthermore, don't forget your budget. You should be able to cover payment, as well as maintenance costs on the vehicle.

Keep Your License and Registration Active

The car buying process doesn’t end when you drive the vehicle off the lot. You’ll need to have a valid license to get behind the wheel. And you’ll need to register your vehicle with your state.

Each state has a different process for getting a driver’s license. You’ll likely have to take a class, as well as a written and visual test. You’ll also have to pass a test while driving the car. Take the time to study and prepare for these examinations. The better you prepare, the more likely you are to get your license on the first try.

Keep in mind, your first license might be a learner’s permit or provisional license. These licenses give you driving privileges, but with restrictions. You should able to obtain a full license after your provisional period ends. You’ll likely also need to renew your license and registration every few years. Keep documentation on hand for when you must re-file.

Get Car Insurance

One of the most important components of the car’s registration is its insurance coverage. You’ll need to carry an active on the car. Indeed, many states require you to show proof of insurance before registering the car. Failing to insure your vehicle might result in legal penalties.

Carrying a policy also makes logical sense. The coverage will likely protect you from challenges and incidents that might otherwise endanger your finances.

That said, car insurance is as diverse as the millions of drivers who hit the road each day. It’s imperative that you carry a policy that targets you and your vehicle. Work with your insurance agent to set up the protection you need.

Some of the coverage options you might consider carrying include:

  • Liability Insurance: There’s always a chance you could harm someone else while you drive. As a result, that person might sue you, or request you pay them for their vehicle damage or injuries. Such actions might cost thousands of dollars. Your liability coverage can help cover these losses.
  • Collision Insurance: This protection can extend to your own vehicle. If you have a wreck, you’ll likely need money to repair the car. This element of coverage will help pay for repairs.
  • Comprehensive Coverage: More incidents than just wrecks might damage your car. Comprehensive protection can pay for damage from weather, fire or theft.
  • Uninsured/Underinsured Coverage: Not every driver carries enough liability coverage to help you if they cause you harm. This protection might help cover those losses instead.
  • Personal Injury Protection: This protection can cover the costs of both your and your passengers’ injuries.

Other coverage might include roadside assistance, towing, or rental car coverage.

Each element of your policy will likely have an upper limit. You will also face deductibles, exclusions and other policy rules. Therefore, you’ll need to work with your agent to determine the right coverage.

Follow the Rules of the Road

As you start driving, it’s important to remember that driving privileges are conditional. Violating the law means you might lose these privileges or receive tickets and fines. Poor driving might even affect your insurance coverage. Your insurer might raise your car insurance rates or even cancel your coverage as a result of repeated problems.

Therefore, it’s important to know what you are doing and respect others on the road. As you start to drive, remember this: It’s not just you that you have to look out for when you’re on the road. It’s all those around you as well.

Posted 12:06 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2024
  • 2023
  • 2022
  • 2021

  • insurance(17)
  • coverage(17)
  • commercial(7)
  • policy(6)
  • liability(3)
  • general(2)
  • homeowners(2)
  • vehicle(2)
  • recreational(2)
  • premiums(2)
  • business(2)
  • umbrella(2)
  • employee(2)
  • rv(2)
  • business interruption insurance(2)
  • auto(2)
  • special(1)
  • life(1)
  • accident(1)
  • belongings(1)
  • filing a claim(1)
  • storm(1)
  • vehicles(1)
  • whole(1)
  • bop insurance(1)
  • vision(1)
  • terms(1)
  • property(1)
  • safe during holiday(1)
  • event(1)
  • damage(1)
  • events(1)
  • motorcycle(1)
  • home insurance(1)
  • personal umbrella policy(1)
  • weddings(1)
  • back to school(1)
  • cyber(1)
  • healthcare(1)
  • car(1)
  • rates(1)
  • requirements(1)
  • benefits(1)
  • auto insurance(1)
  • workers(1)
  • retirement(1)
  • flood(1)
  • costs(1)
  • motorcycle after dark(1)
  • homeowners insurance(1)

View Mobile Version
Insure Your Needs
Resources
Products
About Us
Our Carriers
Blog
Contact Us
Contact Us
919 Kildare Farm Rd (Second Floor)
Cary, NC 27511

P: 919-467-5555

Licensed In NC, SC, VA, TN, GN, FL, & NJ

© Copyright. All rights reserved. Powered by Insurance Website Builder.