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3 Essential Things You Need To Know About Car Insurance


Whether you are driving your kids to soccer games or yourself to work, having car insurance is important to protect you from financial ruin in case you are responsible for causing a serious accident. It is also the law. However, there are many details about buying car insurance that the average person does not know. It is in your best interests to acquaint yourself with as much information as you can about car insurance before buying a policy. Doing so could end up saving you a significant amount of money. Here are 3 essential things you need to know about car insurance that will help you select a good policy at an affordable price.

Things You Need To Know About Car Insurance

Minimum coverage

There are insurance companies that promote the fact that they will give you the minimum amount of coverage required by law. On the surface, this may seem attractive because a small amount of coverage means a low premium. If you should ever need to file a claim, you will not be saving much money at all. A policy with a high deductible means your premiums will be low. However, the reality of this type of policy is that if the time comes when you need to file a claim, you will be forced to pay a great deal of money before your claim will be paid. Taking out more than the required minimum amount of insurance is a good idea.

Things You Need To Know About Car Insurance

things you need to know about car insuranceDiscounts

There are many things that can cause the amount of your car insurance premiums to be lowered. Many insurance providers will not advertise these discounts, so if you do not ask about them, you will never receive them. For example, if you successfully complete a defensive driving class, many providers will lower your premiums. The same goes for having an excellent driving record and owning a car with an alarm and various safety features. When you are getting car insurance quotes, talk to each provider about what you need to do in order to qualify for the discounts they offer.

Things You Need To Know About Car Insurance

Rental car

If you are in a car accident and your car is damaged and needs to be repaired, you will still need a car for transportation. You will not be able to put your life on hold until the repairs are complete. This is why it is critical that you make sure you only get a car insurance policy that provides you with money you can use towards a rental car while your vehicle is being fixed. This type of policy will cost less than paying for a rental car yourself.

Things You Need To Know About Car Insurance

Getting car insurance for the first time or reviewing your existing car insurance policy does not have to be a challenge. By knowing the right information and what to look for, you can ensure that you always have the best car insurance for you and your family.


Things You Need To Know About Car Insurance

What is the one thing that you didn’t know about car insurance? Have you ever had a time when you found out something surprising about your car insurance policy? Share with me below or tell me about it at: melisasource@yahoo.com.

Things You Need To Know About Car Insurance

Wife. Mom. Believer. Writer. Advocate.

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Oh I’m afraid we don’t have the third option. I haven’t ask this. Thank you.

Reply to  Mitchryan

*haven’t asked


Sounds like I need to pay attention more! my hubby has always just taken care of this department for us.


Great info. I choose a higher deductable to make my payments lower. The unfortunete reality is if you make a claim your payments go up.

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