Car Insurance

Car Insurance: Protecting Yourself on the Road

Driving offers independence, but it also comes with responsibility. Car insurance is not just a legal requirement—it’s a safeguard that protects drivers, passengers, and finances in case of an accident. This course introduces young adults to the basics of car insurance, explaining coverage types, costs, and how to choose the right policy.

Participants will learn how to:

• Understand what car insurance is – How it works to share risk and cover costs from accidents, theft, or damage.

• Learn the types of coverage – Liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

• Recognize legal requirements – Minimum insurance laws and what drivers must have to stay compliant.

• Understand factors that affect cost – Age, driving record, vehicle type, coverage level, and deductibles.

• Compare policies – How to shop around, read terms, and choose coverage that fits needs and budget.

• Know what to do after an accident – Steps for filing a claim and understanding how insurance pays out.

• Avoid common mistakes – Driving uninsured, choosing the cheapest policy without enough coverage, or not updating insurance after changes (new car, address, or drivers).

• Explore discounts and savings – Good student discounts, safe driving rewards, bundling with renters/home insurance, and more.

By the end of this course, participants will see car insurance not as just another expense but as an essential layer of protection that keeps them financially secure on the road. They’ll leave with the knowledge to compare plans, ask smart questions, and select the right coverage with confidence.