First Time Car Insurance Buyers Can Easily Get Affordable Coverage If They Follow Several Tips

LOS ANGELES, March 6, 2019 /PRNewswire-PRWeb/ -- Lowestcarinsuranceratesonline.com has launched a new blog post that presents several smart tips for persons that buy car insurance for the first time.

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Purchasing car insurance for the first time can be quite confusing for many drivers. In order to obtain a car policy that can satisfy their needs, first-time car insurance buyers should follow the next tips:

    --  Drivers that want to legally drive should first obtain the state's
        minimum required car insurance coverage. In certain situations, this
        coverage is not enough to pay for serious injuries or to pay the damage
        done to expensive car models.
    --  Policyholders that own significant assets, like a house or a second car,
        should purchase additional liability insurance. Their assets could be a
        target in a lawsuit if they are found guilty in an at-fault accident.
        The Insurance Information Institute (III) and other insurance industry
        experts recommend motorists carry bodily injury liability coverage of
        $100,000 per person and $300,000 per accident (referred to as 100/300
        coverage). For property damage liability coverage, $50,000 or above is
        suggested.
    --  Comprehensive and collision coverage will be required by any lender if
        the drivers have one. Also, full coverage pays the costs to replace the
        vehicle, if it's totaled in a crash or it's stolen.
    --  Check online insurance quotes. Once they decided on what type of
        coverage they need, drivers can start comparing online estimates. It is
        recommended to use a brokerage website, that can offer multiple quotes
        from different insurers. By doing this, young drivers can find
        affordable coverage and can save even thousands of dollars per year.
    --  Compare the offers made by the insurers. Drivers should be careful, as a
        policy might cost less because it offers fewer features and benefits.
        Car owners should check that the insurance company they have chosen it's
        reputable, with good customer service and it's paying the claims. Major
        rating agencies like Standard & Poor's, Moody's, A.M. Best, rate the
        insurance companies by their abilities to pay claims.

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