|
Car Insurance
|
Auto Insurance
Looking for the best auto insurance can be a major job with all the insurance companies we now have but some very important things you should look for are as followed.
Getting several quotes on insurance for a motor vehicle may save you hundreds of dollars a year. Other ways to reduce your insurance premium are:
-
Raise your deductibles on collision and comprehensive coverages. If you have an old car, it may make sense to drop these coverages altogether.
-
Take advantage of discounts. Some companies offer discounts to motorists who drive less than a certain amount of miles per year, are a student with good grades, have taken a
safe-driving course or are over 50 years old. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have had no moving vehicle
violations or accidents in three years, have anti-theft devices or have safety features such as air bags.
|
Ask about the below provisions.
-
Bodily Injury Liability -- This coverage will pay the medical and other expenses of those people injured or even killed in accidents you cause.
-
Collision -- This coverage is for damage done to your car when it collides with other vehicles or other objects.
-
Property Damage Liability -- This coverage covers the damage your car causes to property in an accident and it also covers damage you do to any object you hit.
-
Medical Payments -- This coverage pays medical, and even funeral expenses, for you as well as members of your family and
passengers in your car.
-
Uninsured/Underinsured Motorist -- This coverage pays for injuries to you and damage to your car if you are hit by a driver
who doesn't have insurance.
-
Comprehensive -- This coverage covers damage to your car that results from something other than a collision with another
vehicle. An example, damages caused by theft or a tree falls on your vehicle.
|
Automobile Insurance |