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Looking To Insure Your Car? 5 Tips For Finding The Right Package For You

by Amy Walters

Choosing an auto insurance company can be overwhelming, especially if you don’t understand the different types of coverage and what is required. Gather information about car insurance before comparing companies to ensure that you get adequate coverage with a deductible that isn’t too high or too low. Finding the right package involves getting quotes from a variety of companies and making sure that they are all offering you the same coverage.

Learn About Coverage

Every state requires all drivers to carry liability insurance. This coverage protects another person if you injury them or their property with your vehicle. It doesn’t cover your injuries or your vehicle at all. Make sure that any quote you get meets the minimum requirements for liability insurance in your state. More coverage is usually better. If your car is worth very little and you have the money to replace it if you are involved in an accident, additional coverage may not be necessary. Collision insurance covers damage to your vehicle if you’re involved in an accident that you caused and comprehensive covers damage to your vehicle that was caused by something other than an accident, such as fire or theft. If you are still making payments on your vehicle you will probably be required to carry collision and comprehensive insurance.

Get Quotes

Whether you’re searching for insurance quotes or online tires, the Internet is a great place to get quotes quickly and easily. Ask your family and friends for recommendations if you aren’t sure which insurance companies to get quotes from. It is best to get quotes from at least three companies so that you can compare them and make a decision.

Make Sure You’re Getting All Available Discounts

Most insurance companies offer discounts to drivers who haven’t been involved in an accident or gotten a ticket in the last three years, but other discounts may be available that will lower your premiums significantly. Some companies offer discounts to members of a certain club or group. Others may give discounts to students who get good grades or drivers who have taken certain courses.

Check the Insurance Company’s Ratings

After you have narrowed your choices to two or three insurance companies, it’s smart to check their ratings with A.M. Best, Standard & Poor’s or another insurance rating website. You may also want to make sure that you can easily navigate each insurer’s website and read reviews about the service they offer their customers.

Talk to an Agent

If you’re still confused about the coverage you need and don’t have any close family or friends to talk to, call an independent insurance agent for advice. They will be able to help you understand your coverage option and can suggest insurance companies that fit your needs as well as your budget.

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