Buying car insurance is not a simple task. There are a number of different types of auto insurance available. You need to choose a policy that will not only fit your budget but also provide the coverage that you require.
Whether you are just trying to get a better rate on your current auto policy or if you are purchasing a new car and will need a new auto policy, it is vital that you are well informed on the different types of auto insurance and other relevant information.
Is auto coverage necessary ?
You may be asking, is it necessary to have car insurance?. You must know that it is illegal to drive car without insurance. Throughout the country, most states legally require that a driver have at least liability auto insurance. If you are caught without license you may face charges. If you are caught to be at fault in an accident and you don’t have any coverage your assets (home, money in your bank, etc.) could be taken by a court order to pay the liability charges and claim. If you were to be required to appear in court to defend yourself, legal costs are high and may not be affordable. Thus it is better to be safe than sorry.
Types of Coverage
The major types of coverage that you need are:
Liability Insurance: This insurance policy covers the damages done to the victims of a car accident when you are at fault. It covers whole range of medical or property costs for other party.
Collision Coverage: This coverage policy will cover all costs in a collision whether or not you were at fault. It will cover all the medical and property costs for you.
Comprehensive Coverage: This insurance policy covers all the damages to your car and is known as “full coverage”. Any damage to your car that is not associated with a collision such as damage done by a natural disaster will be covered by this insurance. This is not a cheap but a full proof coverage.
Uninsured (UM/UIM) insurance: This insurance policy will cover you against a driver who has no liability or any other kind of car insurance to his name. This insurance is very fruitful as your insurance fate doesn’t depend on others insurance policies.
Discounts to Take Advantage of Auto insurance rates are on the rise and it is always important to stay well informed of the all the discounts in car insurance that are available to you. Discounts will help you save on your auto insurance, as they will reduce your premiums. There are various discounts available such as Green car discount, Insurance Bundling Discounts, Military Auto Insurance Discount, Occupational car discount, Pay per mile insurance, Safe driver discount, Safety equipment discounts, Senior driver discount.
Keep in mind that not every auto insurance company will offer all the discounts. Also ,some auto discounts may not be available in all states. So, always check with your agent to find out what discounts are available to you.
You can also contact your local car insurance agent. click here for the list of local insurance agents in your area.
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