Auto Insurance for New Drivers

Having the right insurance for your vehicle is the responsibility of every driver. The right coverage can help financially protect you after an accident and satisfy Texas legal requirements. If you’re a new driver, it’s vital to secure an auto policy before hitting the road.

What Coverage Do New Drivers Need?

Auto insurance can come with numerous underlying coverages that comprise the policy. Overall, this insurance is designed to help cover damage or injury caused by vehicles—either by you or by others. New drivers may consider the following basic options:

• Liability insurance may help cover injuries or damage you cause to others with your car. It’s also generally required in Texas, as well as most other states.

• Physical damage insurance may help cover damage to your vehicle due to accidents or other incidents, such as theft or vandalism, depending on the chosen coverage.

• Uninsured/underinsured motorist insurance may help pay for damage caused by an at-fault driver with insufficient insurance.

• Medical payments insurance may help cover medical expenses for you and your passengers after an accident.

These are only some types of auto insurance, and others may be available. For instance, your lender may suggest gap insurance if you have a car loan. This coverage can help pay the difference between what your car is worth and what you owe on the loan if it’s totaled.

If you’re a new driver, reviewing your circumstances and discussing options with a licensed broker who can recommend coverage is essential. All policies have limits, so understand your coverage options and adjust your policy to suit your circumstances.

What If I Don’t Own the Car I Drive?

New drivers are often teenagers who just passed their driving test. Oftentimes, these drivers don’t have their own vehicles yet and use their parents’. In these or similar cases, it’s crucial to ensure you’re added onto the auto policy of whoever owns the vehicle so you’re covered under their insurance.

Get Coverage Today

Contact My One Stop Insurance Agency today to learn more about auto insurance options available to you.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.