Affordable auto insurance quotes and what you need to know!

A car is arguably one of the most expensive things you can own. Therefore, it is only reasonable to take good care of it and take the necessary precautions to avoid severe damages and accidents. However, this is not always the case. While on the highway, you drive your car at high speeds despite the presence of impaired drivers and unforeseen hazards.

Fortunately, you can ensure your car protects it. Insurance agents will help you choose the right coverage options for your vehicle.

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What Is Car Insurance?

Car insurance is also known as auto insurance, vehicle insurance, or motor insurance.

It is a contract between a car owner and an insurance company. The insurance company will help protect you against financial loss. The company will pay for repairs, medical expenses, and any property damage caused.

To receive the said help, you have to pay a premium to the insurer. The amount you pay will depend on your car coverage.

Why Is Auto Insurance Important?

It is unlawful to drive your car without insurance in almost every state. Driving a vehicle that is not insured can land you in jail. Car insurance is essential because it prevents you from incurring huge expenses when an accident occurs. It is easier and cheaper to pay monthly premiums than to pay a claim all at once.

Auto insurance can also help you protect you, your family, passengers, pedestrians, and other drivers. When an accident occurs, your bodily injury liability limits will cover physical injury costs that may occur during an accident. It can cover medical expenses that your health insurer can’t.

Having your car insured gives you peace of mind. 

What Does Car Insurance Cover?

Car insurance covers other people’s vehicles, passengers, and pedestrians. It will, however, depend on the coverage you choose for your car.

There are several types of car insurance coverage. The main three include collision, liability, and comprehensive.

  • Liability – this type of coverage is a must in most states. It mostly covers your medical expenses in case of an accident. Additionally, it covers car repairs and medical bills for the driver in the other car. It is up to you to note that this type of coverage does not pay for your car’s damage.
  • Collision – This coverage pays for damages to your vehicle due to a collision with an object or another vehicle.
  • Comprehensive – this type of coverage covers anything else that may cause damage to your car. It can be fire, riots, or wild animals.
  • Rental car – after an accident, your vehicle has to undergo repairs, which can take time. In the meantime, the insurance company will rent a car on your behalf for you to use.
  • Uninsured motorists – it only covers motorists who are driving illegally.
  • Roadside assistance is ideal when you encounter roadside mishaps, need emergency tows and battery jump starts.

What Type Of Coverage Is Ideal For You?

There are many factors to consider when choosing your ideal car insurance coverage. You have to consider the value of your car and how much it means to you. For instance, if you spend a lot of money repairing your car, you will pay when buying a new one. You will only need the legal minimum coverage.

If your car is essential to you, then you need to choose the insurance coverage that will not inconvenience you when an accident occurs. Rental coverage will allow you to carry out your day-to-day activities as you wait for your car.

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How Much Does Car Insurance Cost and Can I Save Money?

The cost of car insurance differs depending on the coverage that you choose. For instance, you are likely to pay approximately $800 per year for comprehensive cover. On the other hand, you can pay an average of $600 for liability coverage.

Other factors that determine your car insurance cost include your driving history, car value, type of car, and age. The cost of insurance for luxurious cars is a bit higher than standard vehicles. As you grow old, the car insurance rates start to drop.

Who Does My Auto Insurance Policy Cover?

Car insurance covers your car and technically anyone who uses it. It includes your friends, family member, and anyone else who borrows it.

It is important to note that your car insurance cost will largely depend on your driving records. You are likely to pay more if you have a terrible record as a driver.

How Can You Get Insurance Discounts?

At times car insurance companies offer discounts to their customers. Different customers qualify for various discounts. Some of the most common discounts include:

  • Age discount – you are only eligible for this insurance discount if you are 25 years and above.
  • Loyalty – you will only receive this type of discount for being a loyal customer to a specific company.
  • Accident-free – is the discount you receive for not causing an accident within a specified period.
  • Multi-policy – it is available for individuals who have more than one type of insurance coverage with the same provider.
  • Multi-car – when you insure several vehicles with one insurance provider.
  • Safety – you will receive a discount as a result of your car’s security features.

How Is An Independent Insurance Agent Beneficial?

An insurance agent’s primary role is to help you understand different policy options and locate the ideal car insurance coverage.

Additionally, independent insurance agents help you maximize your benefits by filing your claims on time.

Finding Car Insurance Quotes

With the help of insurance agents, you can decide which car insurance coverage is ideal for you. They will also evaluate your risks, compare policies, and find an affordable insurance cover. You can visit an insurance company to ask for a quote, or you can get one online.

The Disadvantage of Online Quotes

Online quotes are fast and easy to acquire. However, they are not always accurate. You may end up paying more for a policy. It is because online insurance companies omit cost-cutting options.

buy Car & Auto Insurance today and save

You can save on Car & Auto Insurance
Call (866) 703-0853