subject: Different States Have Different Rules For Cheap Car Insurance [print this page] Every driver needs some form of insurance cover if he is to drive on public roads. Finding cheap car insurance is a good way to cut down on the costs of motoring and people should take some time to research which policies are on offer before settling for one or the other. The different states of the US have their own particular rules about auto insurance so these must be checked also before opting to buy.
The other thing about insurance on vehicles too is that there are a number of different levels of cover. These may include medical cover for the insured person, damage to the insured vehicle, third party cover and this can be anything from other vehicles to anyone else who is damaged, third party, fire and theft, no fault cover for anyone hurt in the accident regardless of who is to blame, rental costs if the vehicle is damaged beyond drivability and the cost of a towing company to get the car to the repair shop etc. Any and all of these additional requirements will mean that cheap auto insurance will now become more expensive.
There is usually a deductible clause in any form of auto insurance that allows the insured to pay the first set amount of any claim. This will make cheap auto insurance highly affordable if the amount of the deductible is quite high. This is a bit of a risk so think carefully where to set this figure before buying the cover. There is usually a set excess amount required under the law, but the driver can alter this if they want to take more risk.
When the car is in a serious accident which means that the whole thing is now defunct, the excess will be deducted from the amount to be paid for writing off the vehicle. Again, care should be taken when choosing this excess fee because the owner of the vehicle may well end up out of pocket.
There are many sites online that will offer cheap auto insurance and most of these are good companies offering good value for money. It goes without saying that the company chosen should be a licensed agent that has a policy in place should the company run into financial difficulties. This is usually a fund which all insurers pay into so that any one that fails is covered automatically so that the insured person does not lose faith in the system.
Although everyone likes to save money on things like insurance policies, they will undoubtedly regret it in the end if the wrong cover is chosen. Therefore, compare each different policy side by side and see which best meets the needs of the driver or family. By taking this extra bit of care, the best cheap auto insurance will be found and the car and driver will be covered adequately for all circumstances. On the other hand, and it must be said, never buy insurance cover solely based on price alone.
by: Kain Black
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