Your First Car Policy
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First Keys Covered sends short text lessons on auto insurance, paperwork, and safe driving. No quotes. No sales. Just clarity.
FKC Lessons
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Lesson 1 of 12: A deductible is what you pay before insurance kicks in. Higher deductible = lower premium.
Got it. So liability is for the other person?
Exactly. Liability covers damage you cause to others. Tomorrow: collision vs comprehensive.
Coverage
Know what your policy actually pays for.
Liability, collision, comprehensive, uninsured motorist — in plain English, one text at a time.
Liability
Pays for damage and injuries you cause to other people. Required in almost every state.
Collision
Pays to repair your car when you hit something — another car, a pole, a curb.
Comprehensive
Covers non-crash damage: theft, hail, fallen branches, a deer in the road.
Deductibles & limits
The trade-off between what you pay monthly and what you pay after a claim.
Built for First-Time Drivers
One Concept
per Text Message.
No threads to scroll. No videos to watch. Just short, plain-English texts you can read in line at the DMV.
Subscribe freeWelcome! Lesson 1: A premium is what you pay on a schedule. A deductible is what you pay before coverage starts.
What about collision?
Collision = your car when you hit something. Comprehensive = everything else (theft, hail, falling branches).
Lesson 2: Read your declarations page once a year. It lists vehicles, drivers, limits, and deductibles.
Where do I find it?
First page of your policy PDF, or your insurer's app under Documents.
Lesson 3: 25/50/25 means $25k per person, $50k per accident, $25k for property damage. Easy to exceed.
So I should buy more than the minimum?
Usually yes — but it depends on your situation. We will cover it in lesson 4.
Welcome! Lesson 1: A premium is what you pay on a schedule. A deductible is what you pay before coverage starts.
What about collision?
Collision = your car when you hit something. Comprehensive = everything else (theft, hail, falling branches).
Lesson 2: Read your declarations page once a year. It lists vehicles, drivers, limits, and deductibles.
Where do I find it?
First page of your policy PDF, or your insurer's app under Documents.
Lesson 3: 25/50/25 means $25k per person, $50k per accident, $25k for property damage. Easy to exceed.
So I should buy more than the minimum?
Usually yes — but it depends on your situation. We will cover it in lesson 4.
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