An Auto Insurance Guide For Your Best Insurance Prices
Regardless of what you are spending your hard earned money on, you want to be sure that you are getting the best value. This especially includes purchasing car insurance.
Car insurance is not cheap and the process can be quite complicated. How do you know you are getting the best deal possible? Read on for a valuable introduction as well as some advice for getting the most from your car insurance dollar.
Car insurance companies do not all use the same formula when setting their prices. Even within the same company, prices can vary from time-to-time as their priorities change, so it is important to shop around for car insurance periodically.
Your car insurance policy is really made up of three basic categories. It is important to understand them so that you are able to buy what you need without getting too much insurance and paying more for it.
Liability insurance basically covers damage to others and their property in the event you are at fault in an accident. This type of coverage is usually mandatory in most places. However, the level of coverage that is required is usually set very low. Depending on what your overall asset position is, you may want to increase your liability limits well beyond the required minimum levels. If you are at fault in a major accident, your assets could be at risk in the resultant legal action.
Collision insurance covers damage to your car in the event that the accident is your fault. If your car is old, you may want to delete this. If your car is newer, you can save if you can reduce the deductible amount. Be aware that your lender, if any, may have requirements for coverage in this area.
Comprehensive insurance covers damage to property other than your car in the event you are found at fault. This could include buildings or landscaping, for example. It also covers damage to your car from causes other than a car accident such as theft or storm damage. Again, look at the deductible.
Your car insurance premium is also affected by a wide variety of other factors.
Age: under 25 means higher rates.
Sex: females pay less than males.
Driving record: more tickets and accidents mean higher rates.
Your car: faster or more expensive equates to higher premiums.
Location: urban or high crime areas are higher than peaceful suburban or rural.
Parking: garage kept is cheaper than street parking.
Mileage: your annual mileage and your distance to work affects your rate.
Safety and anti-theft: having or adding these things will lower your costs.
Buying car insurance for the first time can be a daunting experience. The field is complex and the terminology may be foreign. It is worth the effort however, to take the time to understand the process. Note that, in some cases your seller or lender may have "suggestions" for your car insurance choices. Be careful because, in some cases, they are receiving a commission if you buy where they suggest. This will only serve to increase your rate.
Then, be sure to shop around. Carefully compare a minimum of three different offers. Some types of issuance, such as liability, you have to buy by law. Others types may be required by your lender. Still others may not be required, but will give you the protection you need for your investment.
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