Find a good agent.
With many national insurance companies pushing customers to buy insurance over the telephone, through the mail, and on the Internet, it may seem a little old-fashioned to have an agent. However, new drivers need to get educated regarding insurance terminology. One of the best ways to get this knowledge is to sit down with a good agent or broker ask your agent to explain.
If you do not own a car, consider buying non-owners auto insurance.
This type of insurance will cover you when you drive a borrowed or rented car. For new drivers, this can be a great asset if the car is involved in an accident while you are driving. It will cover your liability needs, and help pay for repairs to the car that you were driving. You can add other options to this policy to cover passenger and pedestrian medical expenses.
Always carry at least the minimum legal liability coverage before driving any car.
Having an accident without being covered by liability insurance that meets the legal requirements can leave you exposed to prosecution. Your financial risks are also great when you do not have liability insurance to protect the financial needs of the other driver and any passengers that may be involved in the accident. It is actually better if you carry liability insurance that exceeds the minimum requirement if you have significant personal assets. In a law suit, your personal wealth can be attached if your insurance is inadequate to cover the loss. Even future earnings can be at risk.
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