Car Insurance

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Car Insurance Tips

Car insurance is not something many of us like to think about - let alone talk about. But as a vehicle owner and driver, it is a necessary cost and requirement of getting out on the road. You’ve likely heard of friends and family paying steep car insurance premiums or getting taken advantage of by an insurance professional.

Well, we don’t want this to happen to you! These five car insurance secrets will make sure you’re protected, your car is protected and that you still have some money left in the bank for some new tires.

Understand Your Coverage Options

Many people don’t realize that they do indeed have options when it comes to the coverage they pay for. Consider the age and value of your car when you review these components to car insurance:

  • Uninsured Motorist Protection: this covers injury to occupants of your car caused by an uninsured or hit-and-run driver.
  • Collision Protection: this includes damage to your car up to the published book value of your vehicle. This type of coverage includes a deductible - often the lower your deductible - the higher your premiums. Collision coverage is optional - particularly if you have an older car that may not be worth much.
  • Medical Coverage: this pays for any injuries to your or your passengers. In some states, this is an option.
  • Property Damage Liability: this is mandatory coverage in all states but three. This covers any costs for damage made to property by your car.
  • Bodily Injury Liability: this provides coverage for injury and death claims against you - including legal costs if your car injures or kills someone.

Your Vehicle Matters

Your car insurance premiums are linked to the type of vehicle you drive. This is because insurance premiums are based on the replacement cost of your vehicle. If your car is expensive to repair or is one that is often stolen - you may face higher car insurance premiums. Sports cars are more expensive to insure than a family sedan.

Who Are You?

If you are a male under the age of 25, you will pay the highest insurance rates in the United States. Your age, gender, driving and insurance history all impact how much you’ll pay to protect your car, your occupants and yourself. As well, where you live will impact how much you pay for insurance - those living in urban areas pay more than those living in rural areas.

How Much Do You Drive?

If you drive a lot - you will pay more for your insurance. The logic is that the more you’re on the road, the higher your risk of getting in an accident is. If you use your car to drive to work, you can pay more as well. If you drive less than 7,500 miles a year you can likely save on your insurance costs.

Do The Research

The car insurance industry is very competitive - so don’t assume you need to take the first quote you receive. Use online car insurance tools to research your options and pick up the phone and talk to an insurance broker about your options.

These likely seem like common sense tips and advice - but so many people neglect to consider these important tips. Think about the car you need to get insured - is it worth repairing if it is damaged in an accident, what is the book value of the car, and who needs to be insured - it might be too expensive to add your teen-aged son to your insurance premiums. By following these five car insurance tips, you’ll be sure to save on your premium costs and still get the coverage you really need.