Hanover car insurance for the first-time car buyer: policy options and costs

There are many insurance options available to consumers, which can make it difficult for first-time car buyers to choose an insurance company. One suitable insurance option for you may be Hanover car insurance first-time car buyer coverage.

First-time car buyers have a variety of coverage options through Hanover, and there are many factors that will determine which coverage is the most suitable for you. The cost of Hanover auto insurance for first-time car buyers will vary as well. In order to receive an exact quote, your best bet is to speak with a Hanover agent.

Discounts...even for first-time car buyers

If you are a Hanover car insurance first-time car buyer who is under the age of 25, you should speak to your Hanover agent about the discounts you may be eligible for. Drivers under 25 generally have higher premiums because they lack driving experience, but there are some discounts that you may qualify for that can help to keep your premiums as low as possible. For example, if you are a teen driver or a college student, you may be able to get a good student discount if you maintain a 3.0 average or better in school. If you are in college and your college is a substantial distance from home (the actual distance depends on the state where you live and drive) you may qualify for additional discounts. First-time buyers can also qualify for discounts if they take Hanover-approved safe driving courses.

Coverage options a first-time car buyer should consider

The type of coverage that Hanover car insurance first-time car buyers can get is the same type of coverage offered through most insurance companies. Most states require all drivers to carry state-required insurance, which generally consists of bodily injury liability coverage and property damage coverage. Bodily injury coverage helps pay to treat any injuries to others. Property damage liability pays for any damage done to another person's property (including the car) due to an accident that you caused.

Get some peace of mind with some free first-time car buyer insurance coverage quotes 

Medical payments coverage, comprehensive coverage, collision coverage and uninsured/underinsured motorists coverage are also important options to consider as a first-time car buyer.

Medical payments coverage will pay for your medical expenses and the expenses of your passengers and any named insured family members riding in the car in the event of an accident. This option pays for these expenses regardless of who is ultimately determined to be at fault in an accident.

Comprehensive coverage pays for vehicle damage that occurs due to events other than accidents, such as theft, fire, floods, severe weather, vandalism, even animals.

Collision coverage pays for any damage done to your vehicle in the event you run into another car, an object, or if you roll your car.

Uninsured/underinsured motorists coverage can pay to repair any damage done to your car or to treat any injuries sustained by you or any passengers in the event you are hit by an uninsured driver or a driver with inadequate levels of coverage.

Know your coverage requirements

If you took out a car loan to purchase your very first car, you may be required to carry collision or comprehensive or both. Many car loans and leases carry terms and conditions that require you to have this coverage as a way to protect a lender/lessee's finacial interest in the car until the loan is retired or the lease terms fulfilled.

While every state sets minimum levels of bodily injury and property damage liability coverage required of licensed drivers, there are some states that also require licensed drivers to carry medical payments coverage and/or uinsured/underinsured motorists coverage.

Whatever coverage plan you put in place to protect the first car you buy, make sure you at least meet all legal and contractual requirements for coverage. Whenever possible, and if you can afford it, you should put in place levels and limits of coverage that exceed your state's minimum legal requirements.

To assure yourself that your first car has just the right coverage options in place, you might want to spend some time with a local, licensed car insurance agent. An agent can answer all of your questions and can even walk you through the process before you have to buy (which could be useful, this being your first time.) Reply! is a great resource and we can help you locate car insurance professionals in your area who will easily be able to help you determine if a Hanover car insurance first-time car buyer policy is right for you.