By Damian Sofsian
In a car insurance policy, you pay a premium to the insurance company and the latter pays for particular car-related financial losses you may incur for the duration of the contract. Without insurance, you risk paying for the full cost of any injury you may cause others and repairing or replacing your damaged or stolen vehicle.
Finding the best deal for car insurance may be tedious. Thanks to car insurance quotes, searching for the best deal is trouble-free. Through different sites online, you can compare prices and find the best policy to suit your needs.
While surfing for car insurance, it is advised to send the right information to be able to get an accurate quotation. Ask for an exact coverage from different sites so the price comparison can be correctly compared. Get quotes from as many companies as possible to get the best deal. Be cautious of some sites that offer really low prices though, for these companies may just be “low-balling”. It is best to deal with well-established insurance companies. Their prices may be a bit higher but you are ensured they can do the job.
Factors affecting the price of car insurance are what car model you purchase, where you drive, how often you drive, age, sex, marital status, driving record and credit history.
The kinds of car insurance coverage are Bodily Injury and Liability Insurance (to pay for the body damage you may have caused someone in a crash), Collision Insurance (to pay for the damage of your vehicle when it is your fault that you hit another car, building, tree, etc.), Comprehensive Coverage Insurance (damage of loss of car by theft, fire, flood, vandalism, etc.), Car Rental (to pay for another car while yours is being repaired in the shop), Full Glass (damage to windshield and other windows), Medical Coverage (to pay for medical expenses from your crash injuries no matter who was at fault), No-Fault Personal Injury Protection (to pay for medical bills, rehabilitation, funerals, etc.), Liability Coverage (when it is your fault that you hit someone’s property, car, house, fence, etc. and they are demanding for repair), Towing (free roadside assistance when your car breaks down) and Uninsured/Underinsured Motorist Coverage (to pay for your injuries or property repair incurred by uninsured or underinsured individuals).
Discounts on car insurance are given when the car has air bags and automatic seat belts, anti-theft alarm system and anti-lock brakes. Discounts can also be given to those who passed driving school, to those who have a clean driving record, to cars statistically proven safe and to multi-car or home and car policy holders.
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