How to Decide on Auto Insurance

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How to Decide on Auto Insurance
By Laura Caldwell

Choosing a car insurance policy can be a big decision. But it doesn't have to be a difficult one. Here are some tips on how to decide on auto insurance.

1. Know Your State's Requirements

Every state has different minimum levels of insurance that are required. Check and see what your state's minimum requirements are. You will need at least this much car insurance coverage on your policy.
2. Know Your Coverage Options

There are many different types of auto insurance coverage available. Some of the most common types include:

• Bodily Injury Liability: Covers the medical expenses of people injured in an accident when you are at fault

• Property Damage Liability: Covers the damages of the other vehicle in an accident where you are at fault

• Personal Injury Protection (PIP): Covers the medical expenses of you and your passengers in an accident

• Comprehensive: Covers damages to your car that are not accident related such as fire, theft, or vandalism

• Collision: Covers damages to your vehicle in an accident

• Uninsured/ Underinsured Motorists: Covers you if you are in an accident and the at fault driver has no insurance or an inadequate amount of insurance

3. Know What Affects Your Rates

Car insurance companies look at many things when deciding the rate they will give you. They will look at things like:

• Age
• Gender
• Location
• Credit Score
• Vehicle
• Driving Record
• Claims History

All of these factors are considered by the car insurance company when determining your rates.

4. Know How To Shop Around

Shopping around for insurance is a great way to save money. Compare quotes for auto insurance policies online to determine where you can get the best deal.

Make sure you do your research before you purchase your auto insurance policy.

Article Source: http://EzineArticles.com/?expert=Laura_Caldwell




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