subject: Why You Need Car Insurance [print this page] Who Needs Car Insurance?
I've heard financial experts claim that life insurance is the most important investment one can make. I would suggest that if you own a car, car insurance must be a close second. Everyone that drives a car needs car insurance to save themselves and their property in the case of an accident.
What is Car Insurance?
Car insurance is a product that one may purchase to help cover any costs incurred due to a car accident. Like most products, one must shop the market in order to get several quotes and then choose a car insurance policy that will save him- or herself money.
An insurance quote is obtained after supplying basic information to a car insurance company. Once one has disclosed his or her age, location, car, accident history, and any other information the car insurance company requests, they will compute the relative risk one is to the company. Depending on this level of risk the auto insurance rates may be lower or higher than someone else insured by that car insurance provider.
When Does Car Insurance Apply?
When a car insurance premium has been paid, the insurance policy is effective 24/7 throughout the contracted dates. For example, after getting several insurance quotes I selected a policy from Car Insurance Torrance and made my payment online. It took effect immediately, and my cheap car was instantly covered by auto insurance.
Car insurance that is purchased online can save a lot of time, and it can also save a lot of money in the case of an accident soon after the car insurance policy is purchased. Imagine getting a quote, taking time to compare it, purchasing an auto insurance policy, and then waiting for your car insurance papers to be processed. If, on your way home from the insurance agent's office, you were to get in an accident, you will still be covered, but you won't have any proof that you have car insurance. What a headache!
Where Does Car Insurance Work?
Car insurance works everywhere in the country! If you purchase a policy from Car Insurance Los Angeles in California and then take a roadtrip to Ohio, your car insurance still applies. Be careful when you sit down to compare car insurance quotes, however; these vary by geographic location and you may think you can save money on a cheap policy that is actually not available where you live.
Why Do I Need Car Insurance?
Car insurance is legally required in all fifty states. While getting quotes online and taking time to compare insurance quotes are not a part of the auto insurance requirements, they can help to insure that you are getting the best car insurance for you and your car. Even cheap car insurance will meet the car insurance guidelines for auto drivers.
If you do not have car insurance and you get into an auto accident, you are personally responsible for all costs incurred to you and your vehicle. If you were responsible for the car crash, you will also be responsible to cover the costs of injury and damage to the other parties. This could cost you tens to hundreds of thousands of dollars. Be smart, and save yourself time and money by getting a car insurance policy today.
by: Justin Beightol
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