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Auto Insurance Quotes: The Last Obstacle between You and the Open Road
Whether you’ve just bought a car or have just moved to a different part of the country, chances are that you have a limited time to make some important decisions about the type of auto insurance you’re going to get. With all the choices out there, the task of picking the best one to suit your individual needs can be daunting. Yet with a good understanding of the different categories of auto insurance and the likely, you’ll have no trouble finding what you need.
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Different Types of Auto Insurances Quotes for Different Needs
In every state except New Hampshire, South Carolina, Virginia, Wisconsin and Tennessee, you will be required to carry at least a minimal amount of liability insurance. Liability insurance protects people in other cars when you are at fault, covering medical bills and car repair. However, this very basic type of insurance does not cover injuries to yourself or damage to your own vehicle. To obtain this coverage, you’ll need comprehensive and/or collision insurance. You’ll find that auto insurance quotes for this type of coverage are higher than those for liability insurance; that’s because these cover so much more. Collision insurance pays to fix your car and pay your medical bills even if you are at fault in an accident. Comprehensive insurance covers most other things that can happen to your car – fire, vandalism, or random events like falling tree branches. Depending on your personal circumstances, you can choose different deductibles which will change the estimated yearly cost of collision and comprehensive auto insurance quotes. A deductible is the dollar amount that you must pay before your insurance kicks in. For example, if you have a $500.00 deductible and your car incurs $350 in damage, you’ll have to pay to cover the whole amount. But if you incur $800 worth of damage, you will pay $500 of that amount and your insurance company will pay $300. Some auto insurance companies also sell medical payment and personal injury protection (PIP)/no-fault insurance, which expand medical coverage and may pay for lost wages, childcare costs, and other side expenses resulting from accidents. Other add-ons can include rental reimbursement and towing and labor insurance. When offering you an auto insurance quote, companies will want to know about your driving records, your age and how long you’ve had a license, and will inspect your car before certifying it.
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