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Car Insurance

Whether your ride is brand new or showing its age, it’s one of your most important assets, like with all your other assets, you want to protect your car. The practical way to do this is to have a valid car insurance policy. Understanding the basics of car insurance can assist you in finding the right policy for your lifestyle.

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What is car insurance?

Car insurance is a way of protecting yourself from significant financial loss in the event of an accident. Accidents can range from the need for roadside assistance to costly medical bills. Having an insurance policy that will cover a large portion of the financial expenses associated with an accident is a logical way to safeguard your financial future.

Is car insurance necessary?

Almost all of the states making up America require that you have liability car insurance on your vehicle. If you don’t have a valid insurance policy, you’re driving illegally. The amount of liability coverage that you must have will vary depending on the individual state that you reside. Even if you live in one of the few states that don’t require car insurance, you’re leaving yourself up to financial ruin in the event an accident occurs.

What are the types of car insurance?

Car insurance can not only cover damages to your car but damage to other people’s cars and persons. There are three main types of auto insurance coverage that you can opt to purchase. These include liability, collision, and comprehensive. It’s important to note that you can add many specialized policy additions to these policies to make them unique for your lifestyle needs.

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  • Liability insurance is the basic type of insurance that many states require vehicle owners to have. This type of insurance covers your medical expenses up to a set limit. It also covers the cost of damages to another driver’s vehicle and any medical expenses if found at fault for an accident. Liability insurance doesn’t cover any damages to your vehicle.
  • Collision insurance will cover any damages to your vehicle when you’re involved in an accident. This accident could be with another person’s vehicle or an inanimate object like a person’s mailbox.
  • Comprehensive insurance is known slangily as ‘other than collision coverage,’ comprehensive vehicle insurance covers damage to your car from things other than a collision. Some common instances include riots, wild animals, and fires.

What are insurance policy add-ons?

Once you pick the primary type of insurance coverage that you would like from above, you’ll likely select the option for insurance add-ons from your insurance provider. These are separate areas of coverage that you can add to your policy. Each add-on will increase the amount of your monthly insurance premium.

While each insurance provider has its list of add-ons they may offer, some common add-ons overlap, regardless of the insurance provider. These include:

  • Road Service / Assistance: Car problems happen, and it’s helpful to have a roadside assistance add-on to cover all or most of the costs associated with the situation. Standard programs include battery jumps, lockouts, flat tires, and emergency towing.
  • Rental Car: Adding rental car coverage to your insurance policy can allow you to use a rental car without paying the rental fee.
  • Medical Payments: Each basic insurance policy will cover your medical expenses up to a certain amount. The amount is stated clearly in your auto insurance policy. If you would like to increase the amount of coverage, you can add on medical payments to your car insurance policy.
  • Underinsured / Uninsured Motorist: While you may be following the law and have an adequate amount of liability insurance on your vehicle, other drivers may not. In this event, you can opt for adding uninsured/underinsured motorist coverage to your policy to cover any expenses that incur from an accident that the other driver was at fault.

Am I the only driver covered by my car insurance policy?

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Your car insurance policy will cover your car, regardless of who the driver is at any point when an accident occurs. So, if you let your friend or family member borrow your car and they get into an accident, your coverages still stand.

How much does car insurance cost?

The cost of car insurance varies significantly due to several factors. On average, a typical car insurance plan will cost about $600 a year for liability coverage and $800 per year for full coverage.

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