Buying Auto Insurance for the First Time? Here’s How to Start!

Buying Auto Insurance for the First Time? Here’s How to Start!

Your guide on how to buy car insurance for the first time.  

Buying car insurance can often be overwhelming – especially if you’re a first-time driver or if you’re not entirely sure what you should be looking for. To help, we’ve rounded up some essential tips you need to secure the right coverage for your needs.

Understand your state’s minimum coverage requirements. Every state has auto insurance coverage requirements that motorists must meet. However, keep in mind that most of these limits are not enough to cover most accidents, and motorists may need higher limits of coverage to stay well protected. In California, the limits are as follows:

  • Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
  • Property Damage Liability Coverage: $5,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum (Optional)
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum (optional)

Research potential insurers. It’s never wise to Google auto insurance and then select the cheapest policy that first pops up. Instead, research three or four local agents who you can personally talk to. Read reviews about their agency and understand their mission statement. Then, ask for a quote to compare!

Compare apples to apples. When you receive quotes from different insurers, be sure to compare the coverage as well as the monthly premium. You may find that although one policy is a few more dollars every month, you get more coverage for a better value.

Understand your coverage. Before you sign on any dotted line, make sure you know what you’re buying. Talk to your insurer about your coverage and fill in any gaps that you may have.

Are you ready to find the right auto insurance policy for your needs? Contact the professionals at Lloyd S. Berkett Insurance Agency for your reliable coverage.

Lloyd Berkett Insurance

11150 W. Olympic Blvd.
Suite 610
Los Angeles, CA 90064

(310) 857-5757
(800) BERKETT | 237-5388
Fax: (310) 857-5750

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The Lloyd S. Berkett Insurance Agency, Inc. was founded in 1946 by Lloyd S. Berkett. Regarded as one of Southern California’s most successful, well-respected and innovative independent insurance agencies, ... Read More

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