subject: How to Get Car Insurance Without Stress [print this page] How to Get Car Insurance Without Stress
If you own your own car, you probably already know a little about car insurance. You may have heard the words deductible or premium. But, do you truly understand the different parts of an auto insurance policy and do you know how to choose the best coverage?
Before purchasing car insurance, you must consider a variety of factors including what kind of car you have, your driving record and the amount of money you are willing to pay. Understanding the simple basics of car insurance will make you confident that the car insuranceForty-seven states require that you have at least some kind of car insurance, so it's a good idea to know what the law requires you to have and what additional or optional coverage will help to protect you in the event of an accident. policy you choose will take care of your needs in the event of an accident.
In this article, we will walk you through the types of coverage that insurance companies offer and discuss possible insurance needs. Additionally we will look at what affects the price of car insurance, how to bring the costs down and how to understand the components of your policy.
When it comes to automobile insurance, you can save a significant sum of money by asking the right questions and by taking certain steps.
Car insurance companies offer consumers several options for coverage. These options are different types of car insurance such as bodily injury, property damage, medical payments, collision, comprehensive, towing and rental reimbursement. Each option covers a specific situation related to a potential claim. Bodily injury covers the injuries to a third party when a covered insured is at-fault for an accident.
Property damage covers the car damages to a third party when a covered insured is at-fault for an accident. Medical payments covers the injuries of a covered insured and his or her passenger in an auto accident regardless of fault.
Collision covers the damages to a covered car listed on the policy regardless of fault.
Comprehensive covers the non-collision damages (fire/theft) to a covered car listed on a policy regardless of fault.
Towing and rental rembursement pay for the tow of a car from an accident scene and the rental car needed afterward by a covered insured. All of these coverages are optional depending on the use of the car and age although the majority of people carry bodily injury, property damage and collision and comprehensive coverage.
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