Buying Auto Insurance for Your Used Car? 2 Tips To Help Get Lower Premiums

If you are buying your first car and buying it used, one of the first things you must do is get car insurance. If you are young, your premiums will be much higher than if you are older. Fortunately, there are some things you can do to help get lower monthly premiums, two of which are listed below.

Get the Right Coverage

When choosing coverage, you have the option of full coverage, which will cover you and the other driver if you were to get into a wreck. This coverage covers the other driver's car damage up to the liability limits set on your policy. It also covers replacement or repair of your vehicle up to the value of your car's value minus all deductibles you have set up. Full coverage will also cover medical bills of you and the other driver. 

If you have an older car that you could replace if it were to become totaled, you may want to consider liability insurance which is much less than full coverage. Liability insurance will cover the other driver, such as to repair or replace their car and any medical bills they may have. This is only, however, if the accident was your fault. If the fault lies with the other driver, their insurance will have to cover the costs for their car and medical bills. 

Take a Defense Driving Course

Talk with your insurance company to see if you can lower your premiums by taking a defensive driving course. This may not be a large drop in premium, but it will help. If they allow this, the insurance company can help you find a course in your area. 

In a defensive driving course, you will learn how to improve your driving skills by being able to make the best driving decisions in different scenarios. These decisions will be based on environmental and road conditions. The state that you live in will regulate your defensive driving course to ensure you are trained according the laws in that state. 

No matter what state you live in, however, you will learn about traffic crashes, such as the causes of crashes, how much is spent on car crashes, and how to reduce the risk of you having a car crash. For example, you will be taught to follow the speed limit, how to read road signs, and how to act if you see something in the road ahead of you, such as a car wreck. 

Talk with an insurance company like Affordable Insurance, and they can give you much more information about lowering your monthly premiums.