4 Tips On Car Insurance

Car Insurance
There are several factors that affect the price of your car insurance, factors such as place of residence, age and marital status.

In this article I will give you 4 tips to get car insurance.
1. Decide how much coverage you need
While it is dangerous to be underinsured, having too much insurance can be a costly mistake as well.
Without insurance, your property is at risk in an accident that is your fault.
The minimum amount of insurance required in your state is quite rare.

State law may require liability insurance for as little as $ 15 000 per person, $ 30,000 per accident and $ 5,000 property damage.
About half of the states require $ 25,000 per person and $ 50,000 per accident.

After all, $ 10,000 for property damage may not be enough if you hit a $ 100,000 Mercedes-Benz.
The more assets and income you have, the more insurance you need.
Most insurers recommend liability insurance of at least $ 100,000 per person, $ 300,000 per accident, and $ 50,000 of equipment if you have assets to protect, such as home damage.

Some insurance companies also recommend a policy of "personal responsibility framework", published under a blanket of owners 1 million.
Like buying a car, there is no single best solution when it comes to buying insurance.

2. You know the type coverage
If you buy an insurance policy for a specific vehicle, it will form the final cost, the cost is:
- Bodily Injury: Covers injury or death, and the cost of punishment, if your car one day to hurt or kill someone.
- Damage to property: Covers others who damage your car in an accident.
Because liability coverage to protect the other party shall, except in three states.
- Medical expenses: Make hurt you and passengers in your car if it exists.

- Protection against uninsured motorists: Covers damage to you.
- Collision Coverage: Covers damage to your car.
- Physical damage: Covers damage to your car from non-accidental causes, such as theft.

3. That affect your premium
Factors that you can least control may have the greatest impact on your insurance costs.
Age, sex and driving record are key factors that affect your insurance premiums.

Statistics show they are involved in the most accidents, so insurance companies charge young men higher premiums than women of the same age.Married men, who statistically have fewer accidents, pay less than men singles.

A number of states do not allow rates based on sex or age, but the ban is likely to result in higher rates for women, not lower rates for men.
If you are convicted of traffic violations in motion or has an accident, your premium will probably go up, regardless of your age.

The high cost countries such as Florida, Massachusetts and New York are associated with the development of fraud and theft.

In most states, too, insurers set rates by zip code.
If you live in a big city like Chicago or Los Angeles, you will probably pay more than if you lived in a nearby suburb.

4. Vehicle affect your premium
It is necessary for you to consider first.
You may want a sports car or a luxury car, but your insurance company may charge more to protect you while you drive.

Insurance premiums are based in part on the price of the vehicle, the cost of repairing the vehicle, the cost of replacement in case of theft and the cost of the frequency of accidents.
In addition, surcharges may apply to vehicles that are stolen or involved in an accident.

If you want a sports car, you will probably pay dearly.
Thanks to ensure high performance cars will be charged two or three times the insurance for regular models.
Another reason fancy luxury car insurance is one of the most frequently stolen vehicles, and they are more expensive than most cars.

However, insurance companies set rates based on their own experiences.
If company A has a better claim on the theft of certain vehicles of company B, then A will pay more for the same coverage.

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