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Purchasing a vehicle can be very exciting, especially if it’s your first time. Buying a car is considered one of your first biggest investments. Making sure you are protected is very important. That’s when having car insurance is a must.
The idea of buying auto insurance is simple in theory, but in practice, there is a lot that needs to be considered. Read on to learn the basics about auto insurance.
The Basics of Auto Insurance
Driving can be dangerous, so drivers need to protect themselves, their property and other people on the road. Most states require that vehicle owners at least have liability insurance coverage on their vehicle.
In the event of an accident, auto insurance companies pay the costs associated with personal injury or property damage. However, the policyholder is required to pay a premium to keep coverage current.
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How Much Is Car Insurance?
How much a person pays in premiums is based on a variety of different factors, including:
- Age
- Gender
- Years of Driving Experience
- Amount of Coverage Needed
- History of Incidents
- Geographical Location
- Qualified Discounts
For example, teen driver’s insurance premiums tend to be more costly due to their age and lack of driving experience. However, usually there are discounts such as good student discount and defensive driving to help keep it as cheap as possible.
Different Types of Personal Auto Insurance
There are several different types of auto insurance, and finding the best car insurance will depend on where a person lives, the type of coverage the state requires and how much coverage they need if they get into an accident. The two main coverages are Full Coverage & Liability.
Liability Coverage
Liability car insurance can cover any medical or property damage you are liable for in an “at fault” accident. For example if you get into a car wreck and it was your fault, your liability coverage will cover you for the damages you have caused. This is the most common insurance coverage and most states require a car owner by law to carry Liability Insuarance.
Full Coverage
Full coverage insurance is an additional coverage you may add to the policy which not only covers you for damages you may cause, but also covers damages to your vehicle in the event of an accident. This coverage can also cover your vehicle if it is damaged by weather-related incidents, vandalism, and/or theft.
Finding the right insurance policy can take some time and effort. For most people, insurance policies can be confusing, so talking to a professional is in your best interest. Most insurance companies will provide free car insurance quotes. If you have any questions, the agent will be able to answer them.
You’ve invested your hard-earned money in a vehicle. Make sure you protect your asset. Getting car insurance quotes and finding the right policy is in your best interest, and an insurance agent can help.