No matter how much you are struggling to keep up with daily needs, it is your responsibility to get auto insurance if you own and drive a vehicle. The reason why is because the majority of state laws make it illegal to drive without the coverage due to the possibility that you can cause a collision. The price of auto insurance can vary, as it depends on specific factors regarding each individual that applies for the coverage. The best route for obtaining auto insurance at a low rate when you don't bring in a lot of money is to choose the liability option, as it is the most minimal coverage available. If you have never had auto insurance in the past, there is information that might be useful for you to know as you proceed to obtain coverage.
The Type of Vehicle You Drive
If you have not purchased a vehicle yet, you might want to choose carefully when shopping for one. The make and model of the vehicle actually plays a large role in what your insurance premium will be. For instance, if you choose a model such as a sports car, you are likely to be charged a higher insurance premium. The higher rate is due to the vehicle's ability to go high speeds, which can increase the chance of you getting into an accident. On the other hand, vehicles that are equipped with safety features like airbags can possibly help you get a lower insurance rate.
Things That Are in Your Driving Record
Several things that are in a driving record can play a role in what an auto insurance company charges for a premium. Getting into accidents can cause your insurance rate to be high, even if you caused the accident in another persons vehicle. The chance of the rate being high is even higher if you have ever been arrested for an offense such as DUI. If this is your first time driving and your record is clean, you will likely be charged a lower insurance premium, but keep in mind that your age and other factors will be considered as well.
What Liability Coverage Provides
If you want minimal auto coverage, liability is good enough and the most affordable. What this covers is the other driver's medical and vehicle damage expenses if you collide with their vehicle and are at fault. Just keep in mind that you will need full coverage if you want coverage for yourself as well. For more information on car insurance, reach out to a company like Crowel Agency, Inc.