subject: Auto Insurance Coverage Question You Will Always Be Asked [print this page] What is the single most important auto insurance coverage question that you will be asked when applying for new cover? This is not so easy to understand as there are in fact various criteria which are analysed before any quotes are calculated and offered. Locating an economical deal is in some ways easier today as there are a huge number of insurers that we could use.
At the end of the day it is essential that you answer any insurance related questions correctly as if you do not the policy may be invalid before it has even begun. Perhaps the most important query is to find out what the minimum policy requirements would be in you state. There are in fact massive differences between the liabilities required for each state in the US. It is important that you are clear on your legal obligations before you sign up for any new premium.
All insurers will ask you about your driving experience and record before they will even consider offering you a policy. If you have only recently acquired your licence, finding a low cost deal will be much harder. Insurers believe that drivers who have only recently acquired their licenses are at a much greater risk of being involved in an accident. You can overcome this problem by taking an advanced driving course or being included on another driver's policy.
Another important question will relate to your driving experience. If you have any black marks on your driving record then this will not be seen in a positive way by any insurer. Always try to maintain a clean driving record.
You may also be asked questions relating to your credit record. Though you may wonder how your history of credit will impact on your driving ability the fact of the matter is that most insurers believe that people with a poor credit rating would be more likely to have problems making insurance payments on time.
The insurers that you contact will also want to know what exact type of policy you are after. Would you rather a comprehensive policy that protected you against all eventualities that may arise or prefer only a basic liability cover? Also you should find out if there are any unnecessary extras that have been included in the deals you are offered. Breakdown cover may not always be necessary and will add to the cost of the package.
by: Lance Thorington
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