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Auto Insurance Basics

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Auto Insurance Basics

The basic information about car insurance

There are basically six different types of coverage when it comes to auto insurance. Knowing auto insurance basics usually involves knowing what each of these terms cover.

The first two type of coverage are bodily injury and property damage liability. Liability is required in most states. It covers the bodily injury of others hurt in a car accident if you are at fault, covering the medical bills. The property damage liability covers the costs of auto or property repairs or replacements.

Next point in auto insurance basics: Remember that each state requires a different amount of coverage when it comes to insurance, so make sure you check with your state before you choose the coverage. The next four types of coverage may be optional to you. They are collision, comprehensive, medical payments or personal injury protection, and uninsured/underinsured motorist coverage.

Collision coverage basically pays for the repairs of your car if you are in an accident. This may be the most expensive part of your coverage, so one tip on keeping this low is to choose a high deductible.

Comprehensive coverage covers damage to your car not caused in an accident, such as theft, fire, or natural disasters. Auto insurance companies will usually not pay more than what your car is worth at the time when it comes to comprehensive or collision coverage.

Here are some auto insurance tips on choosing the coverage best for your vehicle: find out the cost of your car by using Kelly Blue Book. The higher the deductible you choose the cheaper your plan will be, and there is always a possibility of your car being stolen or broken into.

The last two types of coverage listed in our auto insurance basics are medical payments and uninsured/underinsured coverage. Most states require both types of coverage. Medical payments coverage, also known as personal injury protection or PIP covers you and your passengers' injuries if you get into an accident.

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Uninsured/underinsured coverage is as stated. If you are hit by someone who does not have insurance you will be covered. Tips on this type of coverage are to get the minimal amount just in case you cannot find the driver; this guarantees that you will have some coverage.

Auto insurance can be very difficult to shop for, although it is required by most states. Make sure you do your research, follow these auto insurance basics, know the terms, and get as many questions as possible when choosing the plan that is best for you. - Compare car insurance quotes. You could be saving money.

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