OAKLAND, Calif., Aug. 4, 2016 /PRNewswire/ -- Purchasing car insurance for first-time drivers can be confusing for parents and teens alike, but popular website DriversEd.com is making it easier with Car Insurance 101, providing basic information and useful tips on buying coverage for new drivers. In addition the site provides an easy-to-use tool to get instant insurance quotes from multiple, top-rated insurance companies. It's all designed to take a lot of the guesswork out of shopping for insurance.
The website is owned and operated by eDriving, the largest provider of online driver training and global driver safety management solutions with more than 10 million customers to date. eDriving's renowned resources include permit practice tests and highly reputable online driver's education classes, along with online courses to clear tickets and earn insurance discounts, which may prove useful as a first-time driver gains experience behind the wheel and their driving record evolves.
In order to make the best insurance decisions for a first-time driver, it is important to make sure you and your new driver have a baseline understanding of Car Insurance 101 and the various types of coverage. Here's a helpful overview to talk through.
Car Insurance 101: Types of Coverage
The most frequent types of coverage are:
- Personal injury protection
- Uninsured/Underinsured motorist
Liability coverage comes in two types: bodily injury and property damage. Bodily injury liability pays for the claims made against you if one or multiple people are injured or killed in an accident. There are usually separate types of bodily injury liability, one for if a single person is hurt and one for if multiple people are hurt. The other type of liability coverage you may be required to have is property damage liability. This coverage is to pay for damage to any property belonging to someone other than you.
Personal injury protection (PIP) is coverage to help you pay for any medical expenses, lost wages, or other needs if you are injured in an accident.
Uninsured/Underinsured motorist coverage is only mandatory in a handful of states. It provides coverage for if you are injured in a hit-and-run accident or in a collision with a driver who either has no insurance or not enough insurance to cover all the damages.
These three types of coverage are the most frequently required by state governments, and you will often see them represented by three numbers. For example, in California you may see it represented as 15/30/5. This is because the required coverage in that state is $15,000 for bodily injury of one person, $30,000 for bodily injury by more than one person, and $5,000 for property damage, or 15/30/5.
More tips are available as part of a free content series on DriversEd.com.
eDriving is the leading provider of online driver education and behind-the-wheel training solutions, serving teenagers, adults, contract drivers, and corporations nationwide. eDriving brands include DriversEd.com, the largest provider of online and behind-the-wheel novice driver training, and I Drive Safely, the largest provider of online driver improvement courses. The company is uniquely positioned at the convergence of the consumer appetite for apps and wearable devices that capture and control personal data and behavior; the growing focus on distracted and unsafe driving; and the emergence of usage-based insurance models. In addition to product innovations, the company also partners with leading brands to help them deliver relevant products and services within the rapidly evolving driving marketplace.
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