You need car insurance coverage to protect yourself and your family from injury. You also need auto insurance coverage to protect yourself financially from having to pay for any property damage if you have an accident. Almost all states will not allow you to register your car until have insurance. The State of California has a low cost auto insurance program.
Deciding on out how much auto insurance coverage you need will be based on the minimum amount of auto insurance you can have in your state, how much insurance coverage you feel comfortable having, and how much you can afford.
When you compare types of insurance coverage, be sure you’re comparing apples to apples. The two main types of car insurance coverage are liability insurance and collision insurance. You can also have auto insurance coverage to pay for a rental car when your vehicle is being repaired.
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Saturday, November 28, 2009
Sunday, November 15, 2009
Cheap Car Insurance ý Heaven or Hell!
Cheap car insurance can be hell, not heaven. Yes, you read that right ý cheap car insurance can be hell. Okay, not always. But if you donýt do your research correctly you could end up paying less for your car insurance to start with, but end up with inadequate cover, huge excess payments or heavy penalties in the long run. Itýs when this happens that cheap car insurance can become hell.
The cheapest car insurance may not offer all the extras you want, and you could end up paying more if you are unfortunate enough to have an accident. For example, extra items like legal cover and the provision of a courtesy car should your vehicle need time for repair, are sometimes optional extras. Often these items are removed to make the car insurance policy cheaper. If you need a vehicle for work and you donýt have courtesy car provision, you could end up losing money should your car need repairing for a week or so.
If you are happy with your current insurer, it is worth getting quotes to renew your policy with them. If you can find a price online that beats the one you are offered, tell them. They might then try to match, or even beat the price you have found online, therefore saving you even more money on your car insurance but meaning you keep the same benefits that served you well over the past year.
Everyone wants to find the best deals available to them. It seems silly to waste money on one product when you can get exactly the same, but for less money. The reason cheap car insurance can become hell though, is because many people make the mistake of not getting the same for the best money. Instead they get less for less money, and it is only when something happens that they realise it. For example, you may find a great car insurance deal that saves you loads on what you were paying last year. Only, when your window gets smashed, you realise your new policy charges you ý150 excess, whereas the last one only charged ý50. Suddenly you are even more out of pocket when you thought you were actually saving money.
Things that will make your car insurance cheaper include things like where the car is kept overnight. If it is kept in a garage, your insurance is likely to be less than if you keep your car in a public car park. Donýt make the mistake of saying your car is kept in a garage when it isnýt, to make the policy cheaper. You may find that when you come to claim for something that happened overnight, you have problems because the car was not in the garage.
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The cheapest car insurance may not offer all the extras you want, and you could end up paying more if you are unfortunate enough to have an accident. For example, extra items like legal cover and the provision of a courtesy car should your vehicle need time for repair, are sometimes optional extras. Often these items are removed to make the car insurance policy cheaper. If you need a vehicle for work and you donýt have courtesy car provision, you could end up losing money should your car need repairing for a week or so.
If you are happy with your current insurer, it is worth getting quotes to renew your policy with them. If you can find a price online that beats the one you are offered, tell them. They might then try to match, or even beat the price you have found online, therefore saving you even more money on your car insurance but meaning you keep the same benefits that served you well over the past year.
Everyone wants to find the best deals available to them. It seems silly to waste money on one product when you can get exactly the same, but for less money. The reason cheap car insurance can become hell though, is because many people make the mistake of not getting the same for the best money. Instead they get less for less money, and it is only when something happens that they realise it. For example, you may find a great car insurance deal that saves you loads on what you were paying last year. Only, when your window gets smashed, you realise your new policy charges you ý150 excess, whereas the last one only charged ý50. Suddenly you are even more out of pocket when you thought you were actually saving money.
Things that will make your car insurance cheaper include things like where the car is kept overnight. If it is kept in a garage, your insurance is likely to be less than if you keep your car in a public car park. Donýt make the mistake of saying your car is kept in a garage when it isnýt, to make the policy cheaper. You may find that when you come to claim for something that happened overnight, you have problems because the car was not in the garage.
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