When you begin shopping for your auto insurance, you may want to keep a few things in mind before you purchase it. You should shop around to get a good deal because all insurance companies are not created equal. Start by asking your friends and family members what company they have their car insurance through. Also make sure you ask them how this company stacked up when it came to submitting a claim. Were they easy to deal with? Did they increase your rates right away?
Every state requires the drivers in their state to have car insurance. And each state has their minimum amount of liability coverage that you must have. If you cannot provide proof of insurance if you are stopped by a law enforcement officer you may have to pay a fine, face having your driver’s license and registration suspended, and your car could be impounded.
The limits of the liability coverage that is required to drive according to
- $25,000 to cover the bodily injuries charges for one person in one accident.
- $50,000 is to cover the bodily injuries if more than one person were to be injured in one accident.
- $25,000 is to cover damages to the other person’s vehicle as well as to any property that may have been damaged as well. This property could include a building, utility pole, or shed, among other things.
These are just the minimum amounts that are required by law. You may also purchase higher amounts if you would like. There are other types of auto insurance coverage you may be interested in as well. Collision insurance is what will pay for any damages to your car in the event of an accident. If you still owe money on your vehicle you will be required by law to carry this kind of coverage.
Comprehensive insurance explained
Comprehensive insurance is what will cover damages to your car that are the result of anything other than a car accident, such as theft, flood, fire, or hitting an animal, such as a deer.
You may also find coverage that includes car rental insurance so you have something to drive while your car is being fixed. Some companies also offer a roadside assistance program in case you need help in an emergency.
Talk with your insurance agent and he or she will guide you to getting the right insurance for you.