What To Look For In A Car Insurance Policy |
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Taryn Bates
October 19, 2012
Copyright (c) 2012 Taryn Bates
If you're looking for car insurance\, there are a few things you should know before you begin the hunt. There are many different kinds of insurance coverage options, and finding the right one for you is essential. Here are some things you should look for when finding a car insurance policy that's right for you.
Make sure you have enough coverage
California state law requires drivers to have a certain amount of coverage. If you're driving without car insurance, or not enough insurance, you could be stuck with a few hundred dollars worth of fines or a license suspension. Most state DMVs require drivers to be able to prove financial responsibility for the vehicle. Skip the hassle and make sure you have enough insurance before you hit the road.
Make sure you have the right insurance for you
Car insurance can be tricky. Do you want just collision coverage, comprehensive coverage, or liability insurance? Be sure you've done your research on different policy options. If you know you need more coverage than the average bear, make sure you get it. Be honest with your driving record too! If you know that you've had a few crunched fenders in the past, it might not be the best idea to skip the collision insurance. This isn't just about your driving record either. If you have a lot of assets that you want to protect in case you're the one at fault in an accident, be sure that you have enough liability insurance to protect those assets.
Know your terms!
Deciphering the language of insurance can be confusing. Collision insurance will usually cover the damages and book value of the car, less your deductible. Unfortunately, it's not always collisions that you have to worry about on the road. Comprehensive coverage will usually pay for events other than a collision, like fire, theft, or vandalism. Liability insurance will usually cover bodily injuries.
Look for discounts!
There are usually discounts for your car insurance! Be sure to get the discounts you deserve on your policy such as being a firefighter or for being in the military.
Ultimately, finding the right car insurance for you can be a snap when you know what to look for and how to get the most out of your policy. Once you find out what's required by the state, what you need as an individual, and which policy is right for you, you can make the most informed decision possible.
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