If you have a car, you should already have your car insurance policy. There are many types of policies to choose from and finding the right one for you is a huge task. If you are like most people, you are probably too busy to go through all the options and end up with the wrong policy. This article will help you make a decision regarding the type of car insurance you require.
The first type of insurance policy you should have is your car itself. You should have collision coverage with your car and uninsured motorist insurance, if someone is at fault in an accident. But, you must also know which kind of insurance you actually need as this may vary depending on the type of car you own. If you own a sports car, it may not be required by law to have comprehensive coverage because this type of coverage only applies to vehicles that are driven by people.
If you own a luxury car or a car that has special safety features such as anti-lock brakes, side curtain airbags, and anti-theft devices, then you will need to have personal injury protection coverage. This is usually included in your car policy. If you are at fault in an accident, this coverage will pay the medical bills of those involved. But, you should know that the higher the coverage amount, the more it will cost.
In addition to having both collision and comprehensive coverage for your car, you will also have liability coverage on top of that. Liability coverage is what will cover the costs of repairing or replacing your car in the event of an accident. If you are found at fault for a traffic violation, your insurance company may cover any repair or replacement costs to your vehicle.
If you own a car that is less than seven years old, the state will require you to have no claim bonus on your car. Even if you drive carefully and legally every single day, your insurance company will still cover the value of the car if it is totaled during an accident, so you may want to consider purchasing a no claims bonus to save yourself some money.
As mentioned previously, the best car insurance policy for you is dependent upon what you drive. If you have an expensive car, it may cost more to drive than a less expensive car. In this case, it is advisable to get more comprehensive coverage and no claims bonus coverage to make sure that your insurance company won't have to foot all the repair bills. If you own a used car, get the least expensive policy that contains the least amount of liability coverage, as liability coverage usually won't protect the most costly parts of your car.
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