Auto Insurance is a bouquet of different covers like liability insurance; collision insurance; comprehensive insurance; medical insurance; uninsured motorist insurance; rental reimbursement; towing and labor cost coverage; as well as gap coverage.
What is essential and what will protect a car owner from problems varies from state to state. It is advisable to insure for a little more than absolutely necessary. Insurance premiums can be prohibitively high so, as an informed consumer you must do your research thoroughly.
Golden rules:
Access consumer information available on the states insurance department web site. Read all the guidelines and determine what coverage is required by you. Be sure to read the sample rates listed. This research will give you a fair idea of what the premiums are likely to be.
Ask for quotes from at least three big players in the auto insurance business.
Find out what is the highest deductible permissible and if you can afford it. Generally increasing a deductible from US$ 200 to US$ 500 can reduce premiums payable by as much as 30 %.
Evaluate the worth of your car. If it is old and worth less than US$...
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