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Auto Insurance 101: Things that New Drivers Must Know

By January 25, 2021March 27th, 2024No Comments

Being in the moment where you learn how to drive and obtaining a driver’s license is indeed a monumental point in everyone’s life. Here, you’ll get a considerable rite of passage and a taste of mobile independence. However, thinking about safety measures shouldn’t be compromised in these situations. That’s why, in this article, learn about the fundamentals of the auto insurance policy.

Preparing For Driving Test

Before anything else, remember that acquiring auto insurance entails numerous driving tests before finally setting your wheels on the road. Also, the longer you spend training to drive, the more comfortable you can go on your own.

Having a well-trained driving test can prevent you from several road accidents and teach you discipline on the road, enhancing your chance to get the best auto insurance premium.

Picking a Coverage

In choosing coverage, there are several underlying factors to determine whether a policy fits your situation. If you’re worried that you might struggle to have a car replacement if it figured in an accident, it’s recommended for you to opt for a fully comprehensive policy. If you’re only driving a vehicle with an average or below-average value, you can opt for cheaper insurance.

Recommended Auto Insurance Coverage for New Drivers

Being a young driver can be a blessing or a curse. Sure, nobody wants to be stereotyped, but it’s a typical case for new drivers. In line with this, check out the best coverage that new drivers should consider in buying auto insurance.

Compulsory Third-Party Liability Insurance

This coverage is designed to pay for the third party’s medical or funeral costs if you hit a pedestrian with your car. In some places, it is required by law before being granted for car registration.

Comprehensive Insurance

A comprehensive coverage type gives policyholders essential coverage for both the driver and vehicle in case of a road incident. It is contrary to CTPL coverage, which only covers the victims of an accident where your car is involved.

Personal Accident Insurance

This auto insurance coverage type provides death and permanent disability benefits for the insured. It’s also designed to shoulder the hospital bill when the driver or a third party sustains an injury or dies in an accident involving your insured vehicle.


Getting auto insurance for first-time drivers presents a challenge, and most of the time will require you a ton of work before getting it done. We hope that the article has provided you vital information to get more familiar with auto insurance policy as you go by.

At Mauser & Tobin Co., Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (516) 747-0171 or Click Here to request a free quote.