As a new driver, it may be tempting to save money on your car insurance by getting the lowest coverage possible, but this can create significant risks down the road. Vice President P.J. Miller spoke with SuperMoney to discuss why it can be beneficial for drivers to speak with an independent insurance agent to help them find quality coverage at a reasonable price.

“Independent insurance agents can walk you through options for coverage and address any questions you have,” P.J. said. “And because they work with a range of carriers, they can also do the ‘shopping around’ for you to obtain quotes that work with your budget and coverage needs.”

He added that while online quotes are useful, as a new driver, you often don’t know the extent of coverage you need, which could lead to inaccurate quotes. For this reason, working with an independent insurance agent may be helpful.

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