First-Time Driver Insurance Connecticut

Reader’s Question:

I just bought my first car here in Connecticut after months of saving. Is there a car insurance policy for first-time drivers like me?

Aaron

Bridgeport, CT

Yes, there is certainly a car insurance policy for you, Aaron, but it can be pretty expensive. This is due to the fact that first-time drivers like you are inexperienced when it comes to driving. And because of that fact, most car insurance companies there in Connecticut will categorize you as a high-risk driver, thus increasing the premiums you have to pay. Usually, teenagers fall under the high-risk category mainly because of the higher numbers of accidents and injuries attributed to them. In the U.S., it is estimated that about eight out ten teenage drivers are more likely to get into an accident than experienced adult drivers.

But don’t be disheartened about these statistics, because no matter if you’re a teenage first time driver or an adult driving newbie, having car insurance is most definitely the responsible and important thing to do. A car insurance can add more security and protection to your driving experience. First, you need to know that having car insurance is pretty much required by United States laws. And being caught driving without one is punishable by law, and some states even consider it a felony. So, you should definitely get yourself one.

Having car insurance can also help you should you get into an accident. Depending on your coverage, a car insurance policy basically pays for damages to your car or another person’s car. It also provides payment for injuries sustained in accidents whether you’re the one injured or another person. And if properties are damaged, as well, your car insurance policy will also take care of that provided that it is included in your coverage. Also, a car insurance can also shoulder legal expenses should you get sued after an accident.

Included in the standard first time driver’s insurance policy is the liability coverage, which basically pays for damages to vehicles or injuries to people. A medical payment coverage is also included, which shoulders the medical costs of all those involved in the accident. While a personal injury protection coverage takes care of other expenses like wages lost, pain and suffering and funeral expenses.
An uninsured motorist and underinsured motorist coverage are also included for first time drivers’ insurance. This is very important especially if you get injured due to an accident and the other driver involved doesn’t have sufficient coverage or doesn’t have any insurance at all.

Take all these considerations in carefully before buying car insurance. Make sure you look around for the best deals and discount offers. Try surfing the internet as well for free car insurance quotes. Good luck and drive safely.