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

If you're a Liberty Mutual car insurance first-time car buyer, you're probably curious about the different types of policies that the company offers. Car insurance coverage will protect you from the financial impact of accidents, but you'll need to know the exact details of your policy before you head out on the road.

Start with the basics

When it comes to first-time car buyer insurance, Liberty Mutual customers have a wide variety of choices, but one thing that's non-negotiable is liability insurance. Most states in the country require that residents take out some form of liability insurance. Liability insurance is the insurance that pays for injury and property damage in an accident that you've caused and for which you're responsible.

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Bodily injury liability is the liability coverage that pays for things like medical expenses, ambulance costs, lost wages and EMT fees incurred by people you injure in an accident you caused. Property damage liability covers the damage that your car causes to another person's car or property. When figuring out how much insurance you need, take into account things like your personal assets and savings. If you cause an accident and you don't have enough liability insurance to cover the damage caused by the accident, the other party may go after everything you own in court. While your state will set minimum coverage levels as a condition of carrying a valid driver's licesne in your state, those minimum levels may not be enough to assure you.

Consider some basic add-ons

Next on the list for the Liberty Mutual car insurance first-time car buyer is medical payments or personal injury protection (PIP) coverage. These coverage options take care of the immediate medical expenses you might incur if you're in an accident and have to go to the hospital. They pay for things like the cost of the ambulance and the medical expenses you incur. The coverage in these options also extends to the passengers who are with you in the car at the time of the accident. Your family members who live with you are also covered, even when they're pedestrians on the street or passengers in other cars. It's important to note that medical payments or PIP coverage aren't alternatives to health insurance. The coverage amounts are usually only enough to pay for your immediate medical needs, although payments do start immediately, usually without a deductible, and regardless of who is found to be at fault for the accident.

Next on the list of things to consider for the Liberty Mutual car insurance first-time car buyer is collision coverage. This coverage takes care of damage to your car that's caused by impact with another car. It's completely optional, but in order to get it on your Liberty Mutual car insurance policy, you'll also need to take out comprehensive coverage as well. Comprehensive coverage takes care of the losses that happen due to things other than collisions. This includes incidents like theft, fire, flood, storm damage, falling or flying objects, vandalism, or even damage caused by animals.

As a first-time car buyer, there's a good chance you are also a first-time car insurance buyer. Getting some practical advice from a seasoned insurance agent might be valuable in answering any quetsions you may have about car insurance coverage, options and rates. Reply! can connect you to insurance agents in your area who have helped many first-time car buyers get the protection they need at the price they can afford.