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Buying a Car? Here’s Why You Need Insurance

Auto insurance is at the top of the list of things you will need to pay for if you want to own a car.

There are many reasons to get car insurance, but the biggest incentive is legal requirements.

Yes, every car on New York roads must be covered by insurance to protect the car owner from unnecessary liability in case of a mishap.

Here, at Drive Rite Academy, we always recommend that new car buyer check out the market and shop around for the best deals when it comes to buying insurance.

Here are some of the leading reasons why it is imperative that you try not to skip out on car insurance:

Protection of Your Car Is Essential

A car is the most expensive item after a house that most people ever buy. It is important to protect this asset, just like you would any other. Your vehicle will typically last a long time (over a decade with appropriate care), and provide plenty of service to you and your family. The insurance premium will ensure its longevity.

Your Lender Will Still Require Payments

In case you are in a car accident, you will have to continue to make payments on the car loan. They simply won’t stop asking for payments just because you no longer have the car they helped you buy in the first place.

So now, you’re paying for the car repair (that car insurance could have taken care of) and car loan. This is why you need car insurance. It helps pay the cost of a major accident.

Protection against Lawsuits

Even if the other party is wrong, they can still sue you after an accident. Car insurance can help buffer the steep legal costs and keep them from going straight for your wallet. Your car insurance can also cover attorney costs for any lawsuits stemming from a car accident.

Defense from Mother Nature

There is no way to predict mudslides, hurricanes and earthquakes. What if these natural calamities damage or even total your vehicle? Car insurance offers protection and financial cover in such extreme circumstances.

Protection Form Non Accidental Instances

Yes, car insurance can also help cover the expenses caused when a car is stolen or vandalized. If your car is parked in a private garage, your insurance premium will be cheaper because there are lesser chances of it getting vandalized. But even in such unlikely cases, the insurers will pay for any mishap.

Here, at Drive Rite Academy, we advise our learners to be vigilant with their car insurance payments. As one of the most affordable driving schools in Brooklyn, NY we can teach you and your teens just what it takes to be a responsible car owner. Learn more about available driving classes here.

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