Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

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Many people view car insurance as a necessary evil. Making monthly insurance payments, especially when you've never had an accident, seems like a waste of money. But when you DO have a claim, auto insurance can be a financial lifesaver. Besides -- and this is no small detail -- automobile insurance is required by law. Herein lies the age-old question: If you're required to have car insurance, exactly how much do you need and what kind of coverage should you buy? To help, we've put together a handy guide to assist you in identifying the type of insurance, and the amount of coverage, that's right for you. All of this information will be helpful to know when it comes time to obtain a car insurance quote. Auto Liability Insurance - The Basics Let's start with the basics. Auto liability insurance protects the person you hit if an accident is your fault. It's divided into three numbers representing dollar amounts for three types of liabilities. For example, if you purchased an auto liability policy of 25/50/15, you would have $25,000 of bodily injury coverage for one person injured in an accident, $50,000 of bodily injury coverage for everyone injured in an accident and $15,000 of property damage coverage. Determining how much auto liability coverage you need depends on two primary factors. The first factor is the minimum amount of coverage legally required by the state in which you live. In some cases, there is no minimum amount. It's important to remember each state has its own criteria, so ask your insurance carrier what's required for your state. The next factor depends on your financial situation. If you're at fault in an accident and someone else is injured but your auto liability doesn't cover all of their medical bills, chances are they -- and their lawyer -- will come after you for the remainder of the amount. It's suggested that if you're a high-wage earner, a home owner or an asset holder, you should have higher limits compared to someone who doesn't own their own home, someone who has no real significant assets or someone whose income is lower. For ideas on how to finance your policy, read our article on the 10 Ways to Save Money on Auto Insurance. Bottom Line: If you have finances and assets worth protecting, opt for higher liability coverage amounts. Deciding on Personal Injury Protection (PIP) Simply put, personal injury protection covers you and your family members in the event of an injury during an accident. People who currently have health insurance for themselves and their family members usually opt out of the personal injury portion of their car insurance policy, unless it's required by the state in which they live. Be sure to ask your carrier what the personal injury requirements are in your state. Bottom Line: If you have health insurance for you and your family, personal injury coverage is usually unnecessary, unless your state tells you otherwise. A Lesson in Comprehensive and Collision Coverage If you're currently leasing a vehicle or have a car loan, the lien holder requires you to have comprehensive and collision coverage. Comprehensive covers non-accident-related damages to your vehicle, such as those caused by fire, flood or hail. Collision covers damages to your vehicle caused by impacts with other cars or objects. If you own an older vehicle outright, you may not need comprehensive and collision. As a general rule, consider dropping them if the annual costs are more than 10 percent of the current value of your car. Also remember that the type of car you drive can affect your automobile insurance; new cars, or cars that are more likely to be stolen might warrant a higher premium. Read our article on the most and least expensive cars to insure. Bottom Line: If your older car is worth $4,000, for example, and your comprehensive and collision coverage costs are more than $400 a year, you probably don't need them. Medical Payments Coverage At face value, medical payments coverage and personal injury protection (PIP) are nearly identical. However, medical payments coverage starts where personal injury protection stops. For example, if medical expenses for the driver or passengers exceed the dollar amount covered by PIP, medical payments coverage would be used to pay part or all of the remaining expenses, depending on the policy's coverage amounts. This is especially important in states where PIP only covers a certain percentage of overall medical expenses. If only 80 percent are covered, this means the policyholder is on the hook for the remaining 20. As such, medical payments coverage adds an additional layer of protection for the policyholder, especially when serious injuries are involved. Bottom Line: Medical payments coverage may not be necessary, except in cases where personal injury coverage is less than 100 percent. The Uninsured and the Underinsured There's nothing worse than being involved in an accident with someone who doesn't have car insurance or someone who doesn't have enough car insurance to cover the damages or the injuries involved when they're at fault. Even though it's optional, uninsured motorist coverage is a good idea. What's more, consider adding a collision deductible waiver that relinquishes your deductible-paying responsibility in the event that you're involved in an uninsured motorist accident. Both options are affordably priced and worth every penny. Bottom Line: Don't foot the bill if you're in an accident with someone who is at fault but uninsured. Uninsured motorist coverage is a best bet. To Tow or Not to Tow Adding towing coverage to your auto insurance policy is entirely up to you. However, most automakers provide emergency roadside assistance for cars that are still under warranty. What's more, motor clubs like AAA offer emergency roadside assistance in addition to all the perks that go along with your membership. If you don't belong to a motor club and you're driving an out-of-warranty car, you might consider opting for towing coverage since your insurance company will usually offer the lowest rates. Bottom Line: Nix the towing coverage and go with AAA instead. Rental Car Reimbursement Chances are, if someone hits you and you need a rental car after the accident because yours is being repaired, the car insurance company of the person at fault will cover the expense. However, you may need rental car reimbursement coverage if you're at fault or if you were involved in an uninsured motorist accident. Bottom Line: Good if you've got it, not bad if you don't. When it comes to car insurance coverage, cheaper isn't always better. Be sure to do your homework to find a balanced policy -- one that covers you adequately in the event of an accident but one that doesn't make you pay for coverage you don't need. Most importantly, don't skimp on liability coverage. It's better to pay a few hundred dollars more a year than to wind up in the poor house from accident litigation. Our article on the Five Things You Might Not Know about Car Insurance sheds further light on factors to consider when choosing a policy. And to help you choose the perfect insurance partner, our article, How to Choose the Right Auto Insurance Company, covers everything from getting insurance quotes to checking the provider's consumer complaint ratio.





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