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What You Should Know Before Buying Auto Insurance

How much do you know about auto insurance? If you are like most average people, you probably don’t know a whole lot, except for the fact that you need to have it, and that it is another bill you have to pay every month. It is actually quite important to understand your insurance coverage.

It may be that you are not getting all of the insurance products that you need or that you have more than you will ever need. The more you know about auto insurance, the more likely you will be to get the best deal on rates.

Here is some information about the various types of auto insurance coverage that are available, as well as information about deductibles. What You Should Know Before Buying Auto Insurance

  • Collision Coverage – This type of coverage will pay expenses that arise from a collision. If you have an accident with another vehicle your costs will be covered if you have this type of insurance. If you only have liability coverage, you will not be covered for any damages to your own vehicle. If you do have a collision that is covered by your insurance, you can expect your premiums to increase.
  • Comprehensive Coverage – This involves coverage for damages caused by things other than accidents with other vehicles. For instance, if there is fire damage to your vehicle, or damage caused because you hit a deer on the highway, your comprehensive coverage will take care of the costs for you once you pay the deductible.
  • Liability Coverage – This is also referred to as bodily injury and property damage coverage. If you have passengers in your vehicle and you are in an accident, this coverage will pay for their medical expenses and any property damage. It will also cover the expenses for passengers of the other vehicle involved, if you are found to be at fault. If you are sued, liability coverage will also take care of your legal expenses, but it does not cover your injuries or damage to your car.
  • Mandatory Coverage – Each state has a minimum insurance requirement for drivers, and this can vary from state-to-state. The coverage required can range from $20,000 to $50,000. When you shop for insurance quotes, make sure that you inquire about your state’s minimum required amount of coverage to make sure that you are well within the law while you are on the road.
  • Deductible – Any auto insurance policy you have is going to have a deductible that you will need to pay before your policy will start to cover any damages from an auto accident. Depending on the type of policy and deductible you choose, you can expect to pay anywhere from $250 to $1,000 or more for your deductible. The higher the deductible you choose to pay, the lower your insurance rates will be.

Before you make your purchase, it is best that you receive many quotes from different insurance agents. That way, you can be sure that you are going to be getting the absolute best rates on the insurance products you need. You can get your insurance quotes by simply entering your zip code in the space provided.