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Know What's Covered Before You Buy Car Insurance

Before you can buy auto insurance, you need to know about whats covered in the policy. By knowing this, you can save on your car premium.

Do you need Collision?

If you have a higher priced car, this coverage will help pay for car repairs even if it was your fault.

Your Deductible

The lower the deductible is, the higher your premium will be. This is the amount that you will pay out of your pocket in the case of an accident. Higher deductible amounts will decrease the amount you pay for your auto insurance.

You Dont Need Comprehensive Coverage, do you?

This type of coverage will provide repairs for damages that are not related to collisions. It will cover theft, natural cause damage, vandalism and other losses.

Paying more deductible if you have an accident can significantly save you premium money. This is best for older cars and not newer ones.

Do You Need Liability Coverage

This is an important coverage of your auto insurance policy in the case of damaging property or causing physical injuries. You need the maximum coverage on this so you dont lose anything youve worked hard for.

epending on how much you own, you can decrease on this coverage but keep only enough to cover the most important things.

Covering Medical Expenses

Your insurance policy will cover expenses when someone is injured during an accident. Youre also covered if someone else in another car is injured. The only time to skip this is if you have medical coverage through another option.

If you dont have any insurance coverage for medical, keep this in your insurance policy. You can save by leaving it out but make sure youre covered elsewhere.

Getting the Best Rates from the Best Insurance Company

There are many companies who believe theyre the biggest company with the best coverage plans at the lowest prices but you need to know exactly what the company is like. You need to do research and see exactly how they treat policy holders. Learn how the claims are processed and if your claims are processed on time.

So, where does this Information Come From?

There should be an insurance department in the state you live in, since all states have one. Take a look on their website and review complaints against the insurance companies. You can get information such as how many people have filed complaints and more information to compare them with other insurance companies competing for your business.

Whether your state has an insurance department or not, you can still get information from other locations regarding a companys performance and reliability.

A site like Epinions.com is a good place to start to see what other insurance buyers have experienced with any given insurance company. Youll see there is information on the ratings of the company given by users and buyers, reviews from real buyers leaving information on what theyve seen and experienced.

Click on this link to find out where to get the cheapest car insurance.

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