Sunday 2 February 2014

Car Insurance at Low Premium

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Owning and driving a car means many things to many individuals. It is a shared responsibility – both for you as a driver, and those who share the road with you. Part of that responsibility includes protecting you, your passengers and others when an accident occurs.


Why do I need Car Insurance?

If you have a car accident, be prepared for the following:
Damage to cars and property to others can cost thousands of dollars.
Medical bills can cost tens of thousands of dollars.
Legal fees, court costs and settlements can cost hundreds of thousands of dollars.
Most individuals simply do not have the money to pay for the damages that happen as the result of a car accident. Between the high cost of automobile repairs and the soaring cost of medical care, car insurance is virtually the only way that a driver can be financially protected in an accident.
Also, in most states, car insurance is required by law.

Why is Car Insurance invaluable?

Car insurance is invaluable when an accident occurs with your vehicle, if you have the proper coverage.
With the proper coverage, car insurance can help you financially with the following situations after an accident, including:
– Replacing the value of your car
– Covering you against a driver who does not have car insurance
– Covering you against a driver who does not have enough car insurance
– Covering some or all your medical costs and of those involved in the accident
– Covering the value of damage caused by the accident to other property
– Covering some or all of rental car expenses while your car is repaired

How do you buy car insurance and what kind of insurance should I buy?
Car insurance is purchased through a licensed insurance agent. Licensed insurance agents that have been working in the industry for long periods of time have had the chance to work with many customers in many claim scenarios. You can benefit from these life examples by working with an experienced agent.

An experienced agent will ask you some basic questions about your current situation, including:
– the kind of car you drive
– if you drive your car to work, and, if so, how far is the commute
– where you live
– if you have had an accident before
– what kind of other insurance products you may currently have (home, health, life, etc.)

After assessing your information, the agent will talk to you about varying types of car insurance coverage, including:
Bodily Injury Liability
Collision
Comprehensive
Property Damage Liability
Uninsured Motorist
Underinsured Motorist
Rental Car
Special Equipment

Each type of coverage listed above is important for you to understand how it relates to your driving habits and your risk tolerance. Coverage that you may feel is important may not be as important for another person. You should talk to your experienced licensed insurance agent about your tolerance in various insurance scenarios.

What is proper coverage in car insurance?

Coverage simply means the maximum amount your insurance company will pay on a type of claim area.

For example:
If you have a $250,000 coverage on property damage liability, the most the insurance company will pay on property damage in an accident you claim is $250,000. If the property damage in that accident is more than $250,000, you may have to pay the difference.

It is important that you have enough car insurance coverage for the car you are driving. If you drive a brand new SUV, and are upside down on you loan (owing more than it’s worth to do a low down payment). You may need Gap Insurance to pay the loan off if your SUV is totaled. Your experienced insurance agent will provide scenarios to help you decide how much coverage you need.

How should I proceed?
We have decades of experience in handling all aspects of car insurance. From quotes to claims, our team will make sure:
– Your car insurance needs are met,
– you understand your coverage,
– and you have our contact information if and when you need us

We help people by being there before bad things happen through appropriate insurance coverage.



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