(BPT) - Graduation is an exciting time, but it also means new responsibilities. If you've been on your parents' auto insurance and now need your own, don't worry! These simple steps from Mercury Insurance will help you get the coverage you need.

'Graduates are stepping into a world filled with opportunities and uncertainties,' says Kevin Quinn, VP, Auto Claims at Mercury Insurance. 'Understanding your insurance needs is a crucial step in protecting your future.'

Simple steps for shopping for auto insurance:

1. Review your current coverage

Talk to your parents and their insurance agent to understand what coverage you currently have. This will give you a good starting point.

'Knowing what coverage you've had under your parents' policy helps you understand what protections you might need going forward,' explains Quinn.

2. Decide on your coverage

Learn about the different types of coverage:

• Liability: Covers damage you cause to others.
• Collision: Covers damage to your car from accidents.
• Comprehensive: Covers non-accident damage (like theft or weather).

Understanding the different types of coverage ensures you choose the right protection for your situation.

3. Check state requirements

Every state has different auto insurance laws. Look up the minimum requirements for your state or ask an agent to explain them.

4. Get quotes

Contact multiple insurance companies to get quotes. Compare prices and coverage options to find the best deal.

Shopping around is essential. Different companies offer various rates and discounts, so take the time to compare. You can obtain a quote from Mercury at Mercury Insurance Quote.

Make sure to ask about discounts. You might get a lower rate for:

• Good driving record
• Completing driver education courses
• Bundling with other insurance policies

Many insurers offer discounts for safe driving, good grades or combining policies. Be sure to ask about these potential savings.

5. Review and choose

Look over the quotes and coverage options. Choose the policy that best fits your needs and budget. Select a policy that provides adequate coverage without stretching your budget too thin.

6. Set up your policy

Once you've chosen a policy, work with the insurance company to set it up. Make sure you understand the terms and conditions.

Setting up your policy correctly is crucial. Ensure you understand all the details to avoid surprises later on.

Always have the right auto insurance to protect yourself. Mercury Insurance has a great team of agents ready to make this process seamless and easy for you. Contact an agent if you have any questions.

For more information, visit Mercury Insurance's website or contact your local Mercury agent today.