What A First-Time Driver Should Know About Auto Insurance

Are you proud to be a new driver and finally be able to get around without having to depend on someone else? If you have not invested in auto insurance yet, it is wise for you to park your vehicle until you have coverage if you don't want to get into legal trouble. Discover below a few important things about auto insurance that can help you choose the most ideal type of coverage for your needs.

What is the Best Kind of Auto Insurance Coverage?

The most ideal type of auto insurance is full coverage, although it is the most expensive. Your money will be well invested if you opt for full coverage because if comes with many benefits in the event of an accident. No matter if you are at fault in an accident or not, full coverage auto insurance will cover your expenses to get your vehicle fixed or replaced. The other driver in the accident can also contact your auto insurance company for the money needed for a vehicle repair and medical expenses, which can keep you out of a lawsuit. Full coverage can also cover the expenses for a rental car and roadside assistance (depending on the policy).

What Kind of Auto Insurance Coverage is the Most Affordable?

The most affordable and least amount of coverage that you can have is liability insurance. The reason liability auto insurance is so affordable is due to it only being able to cover the other driver's vehicle repairs and medical expenses if you cause an accident. You will be responsible for paying for your own repairs and medical expenses from an accident that you are at fault for. Although liability auto insurance doesn't come with as many benefits as full coverage, having it can help you avoid getting penalized for driving without insurance.

What Kind of Penalties Can an Uninsured Driver Face?

For the first offense of driving without auto insurance coverage, you may simply be issued a fine. However, there is also the possibility that you will have to spend time in jail if it is mandated by the laws in your state. The more that you commit traffic violations for not having coverage, the higher your insurance rates will go up. Too many offenses can lead to temporary loss of your driving privileges, but in serious cases, your driver's license can be revoked altogether. Don't delay getting the auto insurance coverage that you need to drive legally!