For quite a long time uninsured drivers have been a nuisance to the authorities in California.  As a result General Motors are starting a pilot program that will see drivers buying a new car also receive auto insurance coverage as part of the deal.

The pilot project which will be carried out in Washington and Oregon is a partnership between General Motor and MetLife and aims to provide insurance coverage by providing buyers of certain brands of GM vehicles with free auto insurance coverage.

The generous package is well above the minimum coverage requirements in both states and will insure the vehicle owner against physical damage and liability. Specific vehicles that will benefit from this scheme include trucks or crossover, Chevrolet, Cadillac , Buick  and GMC.  However, it is restricted to 2010, 2011, and 2012 models purchased through September 6, 2011.

The move, according to Chris Perry, U.S. vice president of General Motors marketing, is aimed at making these models more appealing to potential buyers. He said: “We want to give residents of Oregon and Washington another reason to discover Chevrolet, Buick, GMC and Cadillac vehicles.” GM hopes that it will be able to rope in more customers by throwing in auto insurance liability and physical damage coverage as a freebie.

To sweeten the deal, the coverage will cover anyone driving the car with the owner’s consent and it gets better as if the vehicle is involved in an accident within the first year of purchase or before attaining 15,000 miles, the insurer—MetLife Auto and Home—will turn a blind eye on the depreciation factor when compensating the owner for damages which could be either repairing the car or replacing it with a brand new one. However, this will only happen if the vehicle has not changed ownership during that period. What this means is that the owner will not have to pay a cent if the vehicle meets any or both of those conditions. After the one year period, policy holders can either opt to renew the policy with MetLife or choose to move their business to another insurer. One draw back of the policy is that it is not available for certain commercial vehicles and certain fleet vehicles.

Keep in mind the auto insurance coverage is for the first year of ownership.  Where you have an option of renewing the Metlife Auto & Homeowners Insurance ; many drivings will not qualify for the contining coverage.  It’s vital you call InsureDirect.com at (800) 807-0762 to receive quotes for the nations top 30 auto insurance carriers.  The bottom-line is; if we can’t offer you a cheaper car insurance rate at InsureDirect.com, you won’t be able to find a cheap auto insurance rate anywhere – PERIOD.

– Mike