Calling Young Drivers: What You Need to Know!
Huestis Insurance Group • Jul 18, 2020
What Young Drivers Need to Know about Car Insurance...
The school year has come to a close and summer is calling - but before you hit the road, here is one more lesson...
Why is Car Insurance Required?
Car Insurance is required by Law - Why?
If you cause injury or damage to a third party ("someone else") as a result of your driving, it is likely that you don't have the funds available to compensate them for their injuries, or the damage you cause to their vehicle. By purchasing insurance, you are transferring the financial risk to an insurance company. You can purchase an insurance policy valued at up to $2,000,000CAD. This insurance policy covers court costs, defense, and settlement resulting from a Motor Vehicle accident.
Insurance is mandatory to protect everyone who is using public roadways, including both pedestrians, and other drivers. Governments mandate insurance so that if someone is injured as a result of a motor vehicle accident, they will be compensated.
What is the Cost?
Depending on the type of vehicle you drive, we can help you decide what coverage fits your needs, and what the cost of insurance will be. If you have a newer car, or still owe money on it, we recommend that you purchase Collision
and Comprehensive
insurance. These coverages would assist to repair your vehicle in the event of an accident. If you do not owe any money on your car, you may choose a policy with only the mandatory and legal coverage requirements to save on the cost of your insurance.
Collision
Insurance repairs your car in the event it is damaged by impact and you are at-fault. Comprehensive
covers vehicle repairs for non-responsible incidents, such as fire, theft, vandalism, and impacts with animals.
How to Save!
As a Young Driver, you may qualify for a significant "clean start" discount from many insurance companies. This means that you have the opportunity to keep your insurance costs low so long as you remain accident and conviction free. One conviction can mean a significant loss of discounting and a hit to your bottom line. The most common convictions: speeding and distracted driving.
Distracting driving is the leading cause of accidents, so focus on the road and you'll also benefit from preferred insurance rates!
There are a lot of factors and options when it comes to purchasing your first insurance policy - and we know it can be overwhelming. Contact Us and let us help.
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Huestis Insurance Group is made up of community based insurance agencies located right in your neighborhood. We are local people who understand your insurance needs. We offer you Service, Choice, and Advice with the backing of Canada’s largest insurance companies.
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