subject: Basic Tips To Help You Get The Right Auto Insurance [print this page] Getting car insurance is something nobody ever looks forward to. Most people would rather sit and stare at snow on the TV than have to shop around for this. This is like one of those flies that's buzzing around. You just want to swat it and shut it up. Car insurance is no different. Not having any is like a nagging voice in the back of your head telling you'd better get some, or else. All you want to do is get enough so that nagging voice will be quiet and leave you alone. Of course, getting some insurance isn't always easy. You've got to know what you need, and you've got to choose between the seemingly billions of companies out there who are advertising day and night. In this article, you'll learn some of the basics of insurance, so shopping for it won't be so painful.
First of all, you need to get enough to protect you against all possible situations. For example, if you crash into somebody who's parked at a stop light, you are responsible for the damage. Also, if you get into an accident, and it's your fault, then you're going to have to pay the hospital bill for both you and the other person. This kind of insurance is the most important, because without it, you could get sued, and you'd be paying half your wages until all the bills are paid off.
The next kind of insurance to get is uninsured motorist. If somebody hits you, and it's there fault, then they have to pay for the damage. But what if they don't have any coverage? If that's the case, then you need something called uninsured motorist. This is to pay for just an occurrence. Sadly, there are many people driving around today that don't have any coverage.
If you plan on crashing into anybody's house, then you need something called property damage insurance. This is to pay for any damage that you cause to anything other than their vehicle. Of course, nobody plans on crashing into a house, but you get the idea. You want to have enough coverage so that you won't have to surrender half your paycheck for the rest of your life.
There are several factors that determine how much you are going to pay. The most important one is how many tickets you have. If you've got a clean record, then you are going to get off cheaply. But if you've got a string of tickets and accidents as long as your arm, then you are going to be paying quite a bit. All other things considered, your driving record is the biggest factor in determining your fees.
So you see, insurance is pretty basic. Just get enough to cover you in case something happens, and you'll be fine. Drive safely, and you should be OK.
by: Winston Takeda
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