Congratulations on buying your first car! Whether you've just started driving or are finally striking out on your own, being responsible for your own ride brings a lot of independence along with an all important "to-do": Getting your own auto insurance.
Just because you're a first time car owner doesn't mean you can't save money too. Allstate has a variety discounts based on your driving record or vehicle ownership experience is. Here are just a few you could qualify for:
- New Car Discount
- Safety Feature Discount
- Anti-Theft Device Discount
- Good and Resident Student Discount
Probably the most important decision you'll need to make when it comes to your auto insurance is how much coverage to have. You might be tempted to go as low as you can, but remember to think about how much it would cost if your new car got totaled, or if you hurt someone and were responsible for their medical bills.
Paying a few extra bucks a month could be worth it in the long run. Here are some of the typical coverages you'll find on your policy.
Coverage That Protects You if You're at Fault
Bodily Injury Liability
Property Damage
Coverage That Protects You From Uninsured Drivers
Uninsured and Underinsured Motorists
Coverage That Protects You if You Get Hurt
Medical Payments
Personal Injury Protection
Coverage That Protects Your Car
Collision
Comprehensive.