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A Brief Guide on Car Insurance
Car insurance is the best way to protect your car from inconveniences like fire, accident and theft. Insuring your car is a very important part of life and can save a lot of money and stress in future.
Types of car insurances
There are different types of car insurances to choose from depending on your need. There are liability car insurance policies that cover accidental body injuries and property damage to others. The comprehensive policies cover loss or damage of the insured vehicle in circumstances other than accident. Car damage due to fire, damage or thefts are included in this policy. Another type of insurance policy is there that covers medical expenses caused in an accident regardless of whose fault it was. There is also a kind of policy that covers car damages caused in a car accident by other drivers. The Personal Injury Protection (PIP) covers a driver insured for injuries from a car accident inspite of his own fault.
For teen drivers
It is better if you wait for your child to get his permanent license before you start paying car insurance premiums for your teenage child. There are various types of discounts available for teens such as a "good grades" discount. Check out if your child can get any of the discounts available. The most important thing for a teenage driver is a clean record and adherence to any of the "graduated licensing" laws of the state to get cheap insurance.
Online quotes
Look for the different kind of insurances available online. Check the discounts available for car insurance policies when purchased online. This will not only help you go through a lot options but also help to keep the premium rates low.
Ways to find cheap insurance
Cheap car insurances are good ways to save money but they are not worth the deal if the company is not good. The selection of the right company can prevent you from experiencing a bad nightmare. There are ways to reduce the insurance cost even with the big companies.
• Choose the right type of car because there are many types of cars that demand higher car insurances rates. Cars like sports car and various types of other models those are prone to theft costs more. So, before buying a car it is very important to check the manufacturing company and the model you are buying.
• Drive with proper care because your car insurance cost depends a lot on your driving profile. If you have 3 speeding fines and 2 accidents in the previous year, you are not likely to get cheap car insurance. So drive carefully for there are safe driver discounts available.
• Check your deductible amount because the cost of your policy is related to this amount. If you have a good driving record, you can save money by increasing the deductible. Many people who run their insurance policy for a longer time often forget to vary their deductible.
• Check your policy when it comes to renewal and resolve all your queries before you go for the renewal.
• Install safety and anti theft devices in your car. If you have a car that is safe and is less at risk of theft, you are more likely to get cheaper insurance.
• Go for a good online discount car insurance. There are various types of discount insurance brokers available online who can get you quote from different companies. Car insurance rates generally vary all the time. It is better if you compare the rates of different rates before going for a renewal policy. Try not to choose the same company again and again.
• It is better if you go for companies that offer discounts for multiple policies. If you have insurance for your house, then ask them if they do car insurance. Get insurance quotes from them and go ahead.
Motor insurance cover
You always have a risk of damaging your car, to the third party and their property and to yourself when you drive a car. Cheap insurance cover may sometime turn out to be bad economy.
There are three types of motor insurance cover:
• Third party insurance covers your liabilities when there are injuries to others or damage of other people's property.
• Comprehensive insurance covers third party, theft, fire along with other risks such as personal accident, medical expenses up to a limit, glass replacement, accidental damage to your vehicle and many more.
• Third party, fire and theft covers third party risk along with theft and damage to your vehicle caused by theft and fire.
