Auto Insurance Shopping For a New Car

By Renee Crawford    

The amount you pay for vehicle insurance can depend greatly on several factors. The kind of vehicle you own, the level of your driving skills and traffic record as well as the auto insurance company you choose to get your insurance policy from. Here are some tips to help you get that cheap car insurance.

Get quotes:
You should get an auto insurance quote from at least 3 different companies. You can either call them directly by phone or get the information online. The insurance department web site in your state can also help you get and compare vehicle insurance quotes.

Ask the cost of the insurance before you buy the car:
Your insurance policy will normally be based on the sales price of the car, repairs and maintenance cost, safety of the vehicle and risk of theft. Most auto insurance providers routinely offer lower rates if the vehicle has features that can help reduce the probability of meeting accidents or thefts. These features will usually include but not limited to anti-lock brake systems, seat belts, air bags, daytime running lights as well as anti-theft gadgets.

You might have to think twice if the car you like to buy is among those that are usually targeted by thieves. The insurance premiums for such vehicles are normally higher. The National Insurance Crime Bureau has on its web sites the list and kinds vehicles that are most likely to be stolen by thieves. You could check it out to see if your car is among them.

Higher deductibles for your auto insurance:
Generally, a deductible is an amount that you have to personally shell out before the money in your auto insurance policy is released. A $1,000 deductible can maybe save you at least 40% off of you auto insurance premium. This will greatly reduced your insurance cost substantially. The disadvantage of this scheme is that should an accident happen you might end up paying a lot more than what you could have saved.

Getting all your insurance from one provider:
If you are already a policy holder with an insurance provider, get a quote from them first. Insurance companies usually give discounts to clients who have more than two insurance policies with them. Some providers would even lower the insurance premium for clients who have been doing business with them for a long time. However, you should still make inquires to other insurance companies and see what they can offer you.

The idea of getting cheap car insurance is not impossible. There are actually quite a number of web sites that could give you affordable car insurance premiums. Once you got an idea of how much a car insurance policy actually cost, choosing the right auto coverage for you will never be a problem again.

Article Source: http://EzineArticles.com/6376715

Auto/Car Insurance Coverage: Liability

By Andrew Exon    

Auto Insurance plans are usually packaged as liability or comprehensive coverage. It is usually simple to determine what type of coverage you will be required to have and which one will benefit you most. Your purchase insurance to protect yourself and your family in the event of losses to your person or property and you protect yourself against losses suffered by others. This article will cover Liability Coverage plans and explain them in more detail. Future articles will discuss comprehensive coverage.


Liability Coverage (BI)
Bodily Injury Liability Coverage: This type of coverage covers other individuals bodily injuries or death for which you are responsible. It will also set up a legal defense in the event that another party involved in the accident files a lawsuit against you. Claims associated with BI would be medical bills incurred as a result from the accident, loss of income during recovery, pain and suffering. In the event of a serious accident you would want enough coverage to protect you and your personal assets in the event of a judgment against you in a lawsuit. Bodily Injury only covers bodily injury to people it does not cover damage to your vehicle or others vehicles. Therefore it is often a state requirement to have the same level of coverage on each one of your vehicles. BI does not cover your personal medical bills or those on your policy when you are at fault, it only cover others injured due to your fault. In most states coverage is limited to certain bounds within each policy, so be sure to know what each policy offers in coverage limitations. Dual coverage limits refers to the maximum amounts that will be pain per person, per incident respectively. It is important to keep in mind certain factors when you select the limit of BI coverage. You want to choose a high enough limit that would cover expenses incurred from an accident. IF your limits are too low you will still be responsible to pay the remainder of the bills not covered by the insurance. This could cause you to liquidate assets etc. to reach that financial obligation and place you in a poor financial position.


Property Damage Liability (PD)
This type covers you if your car damages someone else's property, usually their car, but it also covers damage such as fences, yards or house if your car damages those in an accident. It will also provide you with legal defense if another party files a lawsuit against you. It is wise to purchase enough of this insurance to cover the damage your car might do to another persons property, usually another vehicle. Coverage will be limited to the terms and conditions of the individual policy. Coverage limits refer to the maximum amount that will be paid per accident. As with BI you want to select an amount of coverage that would cover the damage your car might do to another vehicle or object. If the amount is too low then you will still be responsible to pay the remaining amount.

For more information pertaining to auto insurance click here
Andrew is a Marriage, Family, and Human Development graduate who enjoys swing dancing, camping, fly-fishing, and other recreational sports which provide physical exercise and relaxation.

Article Source: http://EzineArticles.com/6351042