You have some questions about car insurance? We try to answer the common question about car insurance.
1. Will I need auto insurance? Yes. All states need you to have liability coverage and also uninsured motorist protection which insures you against deficits through a major accident caused by an uninsured, under insured, or even hit-and- run driver.
2. What’s the minimum insurance I need? The minimum amount of coverage in most states is liability coverage are bodily injury liability which pays for damages and your legal fees if you’re held liable in an auto accident and other people are injured or killed, and also property damage liability which pays to repair or replace the other driver’s car when you cause an accident.
3. What other coverage should I get? Accident protection pays to repair or even substitute your vehicle when it’s destroyed in an auto accident. * Complete protection pays to repair or even replace your vehicle when it’s damaged by fire, theft, vandalism, or even acts of nature. * Individual injury protection coverage will pay for professional medical expenses for you plus your passengers when you are involved in a crash. It also pays medical expenses for you when you are injured in another person’s vehicle or perhaps are walking.
4. Where do I obtain affordable auto insurance? It is possible to do some searching online where you may get the best cheap rate on car insurance. The best way is to compare charges from various companies and choose the best one.
5. How can I pay for a lower premium? You can reduce you payment by raising your deductible. As an illustration, raising it from $ 250 to $ 1,000 can help you save 15% to 50% in your annual payment.
6. What is a deductible? A deductible is an amount you should pay toward a claim before your insurance company will pay.
7. What discounts are available? Most insurance companies will give you discounts for: Insuring both your car and your home with them, installing security devices on your car such as anti-theft devices and burglar alarms, having a good driving record for at least three years and taking a driver’s education course.
8. Does my credit rating affect my rates? Yes, most car insurance companies now use your credit rating as a factor in determining your car insurance rate.
9. How do I know the company I choose can pay my claims? You can look at an insurance company’s financial rating, which calculates its ability to pay claims such as ambest.com
10. How do I know the provider I choose will give me good assistance? You can find insurance provider customer satisfaction evaluations in the J.D. Power & Associates website (jdpower.com).