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Useful Links For Authors Author Guidelines Article Writing Tips Why Submit Articles HomeFinance ArticlesInsurance ArticlesKnowing Your Auto Insurance Policy Are You Covered For EverythingKnowing Your Auto Insurance Policy Are You Covered For Everything By Jack Zimar on January 14, 2012
Unless you are in the insurance business, understanding your policy may seem like trying to read Latin upside down. Often people do not learn the details of auto insurance until there is a need that arises and they find out they don’t have the right coverage. Don’t make this mistake. Take a few moments to learn about auto insurance and then when you look for a cheap auto insurance quote, you will have an idea what that will cover.
1. “Full Coverage” Insurance Insurance people use the term physical damage coverage rather than full coverage because it could confuse someone into thinking they are covered for every conceivable problem because they have “full” coverage. Actually, there are only two parts to physical damage or full coverage: Collision and Comprehensive. Collision covers any damage to your car if you cause damage to it. It is more difficult to get a cheap auto insurance quote when you carry Collision. Comprehensive covers “not at fault” damage to your auto like storm damage, hail, fire, theft, and vandalism. You get a cheap auto insurance quote when you do not have either Comprehensive or Collision. If you are trying to insure a vehicle that the value is not much more than your deductible, it doesn’t make sense to try to insure it with Collision. Sometimes you can have Comprehensive coverage without Collision, and it is typically not expensive when looking for a cheap auto insurance quote. 2. Liability Liability covers what you are responsible for, up to the limits you choose. For example, you chose $ 25,000 of Bodily Injury Liability (BIL) each person, $ 50,000 each accident and $ 25,000 in Property Damage Liability (PDL). This is abbreviated 25/50/25. This will give you a cheap auto insurance quote, but not much protection. If you run a stop sign and the injuries and damage exceed these limits, you will have to pay out of pocket for them. Don’t get a cheap auto insurance quote and compromise on coverage. It doesn’t cost much to increase liability limits, sometimes only $ 5 a month.
There are many extras that you can include on your insurance, but to get a cheap auto insurance rate, you will want to price them individually and decide for yourself what is worth it to keep and what is better to do without.
Finding a cheap auto insurance quote is now easier than ever: just visit Cheap-Auto-Insurance-Today.com and you’ll be amazed at the results you see: from cheap auto insurance in Florida to cheap auto insurance in California, coast to coast, you’ll find all you need as far as information on insurance as well as the convenience of getting several quotes at once based on your specifications and needs, so visit today to start saving!
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Originally posted 2013-12-27 00:13:40.