Best car insurance for first time car owners

The first question asked by the owner of a new car is what is the best insurance for your new car? The most convenient thing is to investigate the best car insurance providers in the US, not just the benefits, advantages and level of coverage, offered by the different insurers of this country to be able to meet customer demand; but also the factors that these insurers take into account in order to insure the car.

Considerations taken into account by Car insurance companies

If the car is new, it is most likely that the car owner has many offers and quotes to insure his car; The cost of the insurance is very important for the client, but the insurer will take into account factors such as the vehicle brand, the year, if it will be a car for services, such as transportation, or commercial, if it will be for personal use, and the frequency with which it will be used.

In addition, the driver’s records must also be up-to-date, such as a driver’s license, if you have had driving violations, a penalty, and even the postal area where the owner lives. These are just some of the many considerations that insurance will take into account to insure the car.

The car owner will decide, depending on his budget, the total or partial coverage of his car, the more adequate the coverage, the more he will have to pay to the insurance company.

Some of these insurance companies may give special discounts to vehicle owners who belong to a special group of professionals, each case is different depending on the preferences.

It is mandatory to have car insurance, especially if it is new, in that case, it is better to insure the car, with an insurance company that has a greater coverage capacity and can provide excellent customer service, and pay claims and Car repair without any problem.

In the US it has insurance companies that are well known for their high level of attention and response to new car owners, it is best to look for different quotes among these insurers, and compare the types of coverage of each one, in order to make the best choice.

There are many situations that can occur in case of an accident, and if the car needs many repairs, the insurer must be strongly consolidated to respond to these types of accidents, that should not be a concern for car owners.

The owner of a new vehicle should only ensure that his car will be in the hands of a well-qualified insurer with strong financial solvency. There is a wide range of options that the best companies in the US have to meet the vehicle protection needs of their customers.

A good insurer should quote the following basic coverages:

Civil Liability

It allows to cover the material damages caused to other drivers, as well as injuries to people who have suffered some damage outside the vehicle; It also offers protection to the owner of the insured car, if this has been the cause of the accident.

Full coverage

The coverage is fully extended to all possible risks such as fire, theft, vandalism, floods, all kinds of natural phenomena such as ice storms; It also includes falling planes, and trees, as well as other heavy objects that could harm the vehicle.

Collision

This is the most frequent coverage paid by the clients, the insurer will pay the expenses in the repair of the vehicle in case it has had a collision with another car or with another object, and including the total loss of the car.

Vehicles under Car insurance

This coverage protects the owner of the car and the persons accompanying it from injuries suffered at the time of the accident until recovery. This coverage also applies if the car that caused the accident does not have insurance, or does not cover all expenses, in more extreme cases the driver of the other vehicle fled.

These are standard coverages but they have all the benefits that fit the needs of the clients, but there is additional or supplementary coverage to keep the extra costs when there are accidents.

Insurance providers vary availability and costs, but the most important thing when it comes to insuring a new car is that it has the highest level of attention and response at the time of an accident.

ALSO READ: Cheap car insurance for young drivers

Best US car insurance for first time car owners

Car insurance: Mercury Insurance

Founded in 1962, it is one of the largest car and insurance companies in the US and is among the best selling. In 2016 its sales were at 1.13% of the national market. Among the coverages offered by this company are.

  • Civil Liability.
  • Full Coverage
  • Low insured vehicle
  • Medical payments or personal injury protection.

In addition to these coverages, it also offers other recommendations to car owners and helps to obtain quotes from potential customers at no cost to the different insurers that are in the sector, among which are:

  • Liberty
  • Progressive, Allstate
  • USSA
  • Travelers
  • Farmers
  • Berkshire Hathaway

All these insurers offer different coverages and prices, in which customers can compare and choose according to their needs.

21st Century

car insurance

It is part of the Farmers Insurance Group company since 2009. This company ranked 2016 in seventh place in sales of insurance for private cars, with this covering 4.81% in the entire national market, instead of for Commercial cars had only 1.02%, a score that placed it in the 25th place for that year.

Among the coverage offered by 21st Century are:

  • Full coverage
  • Car rental ´ by accident.
  • Civil Liability for bodily injury
  • Civil Liability for material damages
  • A civil Liability umbrella policy
  • Medical payments
  • Protection against bodily injury
  • Driver insurance with low protection or without insurance policy

It has its quote that allows comparing other quotes with other companies, and facilitates the choice of the buyer, among the best-selling insurers that have quoted in recent years are:

  • Allstate
  • State Farm
  • Progressive
  • Nationwide
  • USSA

Among others that should also be taken into consideration when choosing a good insurer.

Car insurance: State Farm

It is an excellent choice for homeowners who want to protect their family members and their own, it has different coverage options to cover vehicle protection needs. Among the coverages offered are the following:

  • Civil Liability Coverage
  • Civil Liability for bodily injury
  • Civil Liability for property damage
  • Shared travel insurance
  • Crash coverage
  • Medical expenses

It has its own contributor, which makes it easy to compare the different alternatives that insurers offer, comparing, benefits and costs. The insurers that most stand out in their quotes are.

  • Infinity
  • Esurance
  • GEICO
  • AAA

Each quote is personalized because it seeks to cover the need of each driver.

Allied Insurance

car insurance

It was founded in 1929, and is one of the best-selling car insurers since then, currently part of the Nationwide insurance company.

The insurance policies include various coverage so that the owner of the vehicle can choose the one that best suits their needs. Among the coverages are the following:

  • Collision Coverage
  • Full coverage
  • Civil Liability
  • Medical payment
  • Coverage of uninsured drivers or under insurance
  • Personal injury protection

You also have your quote, to quote auto insurance for free and make comparisons. Among the insurers that are more profiled in this company are:

  • Infinity
  • ALLState
  • USSA

Among many other insurers that can be taken into consideration.

Car insurance: ALLState

It has been operating since 1931 and is one of the most requested insurance companies in the entire US, it has a coverage of 10% in the national market, especially in the private car sector. But by requirements of US law, their policies have different coverage in each state:

  • Collision
  • Full or full coverage
  • Civil Liability
  • Medical Payments
  • Personal injury protection
  • A vehicle without insurance or under insured
  • Personal umbrella policy
  • Car rental
  • Sound system coverage
  • Trailer and labor

You have your quote so you can request a quote for free. The companies offered by the contributor are:

  • STATE FARM
  • AAA
  • Allied Insurance
  • Berkshire Hathaway,
  • Progressive

Among many other excellent options.

PROGRESSIVE

car insurance

Started operations since 1937, this insurance company is among the most important in the national market with 8.8%, which places it in the fourth place of sales in this sector. He is currently part of a corporation that groups several insurance companies. Many of the overtures are optional for the insured, but some are obviously mandatory such as:

  • Civil Liability
  • Medical payments
  • Bodily injury due to uninsured or underinsured vehicles

The electives are:

  • Collision
  • Full coverage
  • Property damage by uninsured vehicle
  • Roadside assistance
  • Covers the costs of damage to accessories such as radio, televisions, etc.
  • Car rental
  • Loan payment or lease

In your quote, you can make comparisons with other insurance companies such as.

  • Allstate
  • State Farm
  • Nationwide
  • Allied

Among others.

Car insurance: Nationwide

It ranks ninth in the entire country, according to data obtained from 2015, with a 3.3% market share. It has been operating since 1925, and currently has an important national coverage, ranking as one of the largest corporations in the US. Among the types of coverage it has are:

  • Civil Liability
  • Collision
  • Full Coverage
  • Deductible decrease
  • Uninsured Vehicle Insurance
  • Insured vehicle insurance
  • Medical payments
  • Personal injuries
  • Sorry for an accident
  • Roadside assistance
  • Towing and labor service
  • Car rental
  • Classic car insurance

Your quote allows you to make comparisons to choose better protection, along with other companies such as.

  • Allstate
  • State Farm
  • Liberty
  • Progressive
  • Berkshire Hathaway

Among other excellent insurance companies

USAA

It is in operation since 1922, and currently occupies the fifth place in sales with 5.3% according to the data obtained from 2015. It was founded as a mutual society by the US armed forces with the intention of Protect families financially. Among the types of coverage it offers are:

  • Protects from damages that the car may suffer in case of theft, vandalism, fire, floods, among other causes.
  • Collision
  • Civil Liability

It also has other optional coverages such as:

  • Personal injury protection
  • Extension of benefits
  • Bodily injury by uninsured or underinsured drivers
  • Give them to the property by uninsured drivers
  • Auto sale refund
  • Roadside assistance
  • Other optional coverages such as forgiveness for accidents.

With your quote, the buyer can also find other options. In different insurers like

  • Progressive
  • Allstate
  • State Farm
  • Allied

Among other important insurers.

Car insurance: GEICO

It has been operating since 1936. It was founded with the intention of giving plans for US government employees, hence its name Government Employees, Insurance Company (GEICO). It is a subsidiary of the insurance company Berkshire Hathaway, which has a coverage of 11.4% which places it in second place, and one of the most important in the country. Among the types of coverage it offers are:

  • Civil Liability for bodily injury
  • Medical payments
  • Coverage of insured vehicles
  • Total physical damage
  • Collision
  • Civil Liability for property damage

Additional coverage:

  • Emergency service on the road
  • Car rental
  • Mechanical failure insurance

Your quote allows the buyer to make comparisons totally free, among the companies that stand out most in his quote are:

  • State Farm
  • Progressive
  • Nationwide
  • Infinity

Among other options.

ALSO READ: Cheap car insurance for first time drivers

TRAVELERS

It has been in operation for more than 160 years, and in addition to the US, it also operates in Canada, Brazil, and the United Kingdom. It is a company with great experience in the market and that is why it is part of the DOW Jones Industrial Average. Among the types of coverage or policy offered are:

  • Medical expense insurance
  • Civil liability coverage
  • Comprehensive coverage
  • Collision insurance
  • Personal injury coverage or no-fault insurance
  • Motorist coverage without insurance or insufficient insurance.

It has other additional coverages such as:

  • New car premier replacement
  • Sorry for accidents
  • Vehicle credit insurance
  • Coverage for car rental.

Your quote allows you to make quotes totally free and compare prices with other insurers such as:

  • Farmers
  • 21stCentury
  • MetLife

Among other options

There are many options in the US to insure a new vehicle, you just have to make different quotes and compare the options that best suit the needs of customers.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.