You might be smart to consider Ameriprise car insurance as a first-time car buyer
If you're a looking to buy your first car, you would be well served to spend as much time learning about car insurance as you spend researching cars. Ameriprise car insurance for a first-time car buyer has all the coverages required by law as well as additional coverages that are smart to have.
Build up from the basics
While every state requires liability insurance, and every state has a set level of both bodily injury and property 
damage liability it requires of licensed drivers, each state also has different laws regarding what other types of coverage and coverage limits you must have in place.
In order to determine the best type of policy for you, you may want to ask your family and friends who have been driving for a while longer, and have possibly owned several cars, for recommendations about Ameriprise car insurance as a first-time car buyer. While every car insurance policy will start with liability insurance, you may find a policy with more coverage options suits you better.
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Ameriprise car insurance for first-time car buyers can include your choice of coverage options. Each type of coverage and the limits you set for it will add to your premium, but that added cost may save you in the long run. For instance, Ameriprise offers uninsured/underinsured motorist coverage to protect you in the event that you're in an accident with someone who isn't insured or only has a small insurance policy. You can also choose to add new car replacement coverage and GAP coverage if you're purchasing a brand new car. You should also consider adding roadside assistance and towing coverage to your policy as it only costs a few dollars added to your premium, but can potentially save you hundreds of dollars in the long run, especially if you drive a lot and could possibly find yourself stranded with minor car problems.
If you are borrowing money to buy this first car, there may be insurance coverage requirements included in the terms and conditions of your car loan or lease. Be sure you read them carefully and have all the coverage options in place you'll need to be legal and in compliance with all your agreements.
Flexible rates & discounts
If you have Ameriprise car insurance, first-time car buyers will have several options for paying your premiums. 
You can pay the year in full with a check, money order or a credit card. You also have the option to pay for your policy in monthly installments taken directly from your checking or savings account, or you can pay monthly by credit or debit card. When you pay in monthly installments, you'll end up with one payment-free month in each period. Each Ameriprise car insurance first-time car buyer policy is for a term of six months, but your payment will be divided up over a period of just five months.
You may be surprised to find that even as a first-time car buyer, you may be eligible for discounts on your premium. One easy discount is to either pay your premium in full or to set up automatic, electronic payment for your premium. Either way. Ameriprise will give you a discount on your car insurance premium.
Some other discounts available for first-time car buyers through Ameriprise car insurance include:
- Safe driving discounts
- Good student/college graduate discounts
- Safety devices/anti-theft devices discounts
- Multi-policy discounts
- Loyalty discounts
As a first-time car buyer, you may have many questions about car insurance. It might help you to sit down with an experienced, licensed car insurance agent who can answer all your questions and even show you several possible coverage scenarios to fit your budget and your driving style. Reply! can help you here by putting you in touch with local car insurance agents who are skilled at helping first-time car buyers get just the right coverage, whether it's an Ameriprise car insurance first-time car buyer policy, or some other option.