Know what you are paying for when you purchase vehicle insurance.
Automobile insurance is the only insurance that is required by law.
Make sure you get the best car and insurance for your needs.
Car insurance companies will provide you with an Auto Declarations form.
This will break down the coverage, the insurance limits, and the premium you will be paying for the policy period (usually one year.
) Your deductible will be listed on this form, along with all applied discounts.
Compare your Auto Declarations form today and get a new quote for the best car insurance online.
Bodily Injury There is an "each person" and an "each accident" limit.
If you cause, or are responsible for, bodily injury or death, this portion of the insurance will cover those claims.
It is a mandatory portion of insurance that you need to carry.
Property Damage Liability You are covered if your car hits another person's property.
This is usually their car when an accident occurs but it could be a mailbox, storefront, house, fence, etc.
Uninsured Motorists Everyone in the car is covered if you are hit by a driver that carries no insurance.
It is a crime to not carry vehicle insurance and you are not supposed to be able to maintain a driver's license, but it happens.
Make sure you protect yourself within your own car insurance.
Underinsured Motorists Again, everyone in the car, driver and passengers, are covered.
If the other driver hits your vehicle and does not carry adequate insurance for your injuries and vehicle repairs.
Collision Your vehicle will be covered if it hits another vehicle or object.
You will need to select a deductible that you will pay first if you are involved in an accident.
A higher deductible means a lower premium.
This coverage is not required by law and often dropped on older vehicles.
If you have a loan on the vehicle, collision coverage is required.
Towing and Labor If your car breaks down, pay the bill and turn it in to your insurance agent.
They will reimburse you.
This is usually only at a $150 limit average and only a premium of about $4 a year.
Well worth it! Most people do not have their car towed once a year but if they do, the insurance pays for itself.
You will be glad you did.
Be sure to thoroughly read your Auto Declarations form to fully understand your automobile insurance picture.
Get the best car insurance by being informed.
Be certain you have a recent quote and you will have the cheapest rates for the lowest online car insurance quotes.