Things To Consider Before Purchasing An Auto Insurance
How many driver do you want to add under your policy?
Do you have an anti theft alarm
Are you willing to drive less
Do you want to pay in instalments or in bulk.
Remember, that the number of drivers you add to your car policy will determine your policy premiums. If you add more number of drivers under the same policy such as your spouse and your son your policy premiums will be high. There would be a greater liability for a company to pay compensation to the family rather than an individual.
It is essential to have an anti theft alarm as it would safe guard your vehicle. The insurance company will feel secured that they will not have to pay you for any theft of your car parts as you have an anti theft alarm to alert you.
If you cover lesser distance, then the chances of meeting with an accident is lesser. Greater the distance covered, higher is the risk involved. So, keep your mileage to a minimum to be able to get better policy rates. If you drive less, it is better you opt for pay as you drive policy.
If you pay your policy amount in bulk, then there is a greater chance of getting a positive policy rate. In case, you decide to pay it in monthly instalments then you are sure to have a higher policy premium to pay.
Different policy coverages available for your car are:
A collision coverage:
A collision, in terms of car insurance, refers to being hit, hitting another vehicle or even hitting an object. When a car owner buys collision coverage, they are protected against any collision damages to their car, regardless of the cause.
A comprehensive coverage:
Comprehensive coverage will replace or repair your car in the event of any disaster or theft. There is also commonly a deductible that must be paid with this type of protection, but then the insurer will pick up the rest of the cost.
Fully Comprehensive Insurance will cover the following:
Liabilities for injuries to some one else, this includes passengers
Liability for damage to other person?s property
A personal accident benefit
Medical expenses up to a stated limit
Liability of passengers for accidents caused by them
Any damage caused to your own car
Loss or damage to personal effects in the car, up to a stated limit.
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