The car insurance forum at insuranceboards.com is here to help you when you need to purchase car insurance. Even the simplest car insurance policies can be difficult to understand. Plus, what type of insurance is really needed versus what parts are optional can add to the confusion?
Car insurance is different from state to state because state laws will affect exactly what insurance must and can contain. Some states use the tort method of dealing with legal issues related to car accidents. In those states you will be offered 3 basic parts to your insurance: bodily injury liability, property damage liability, and uninsured motorist coverage. State law will determine what is required and which parts are optional. In a state with the no-fault legal system for car related incidents your insurance company will pay you directly for any losses you incur as a result of injuries regardless of who is at fault for the accident. This will make your liability sections of the insurance function differently. A good place to start asking questions is your state insurance department. If you are still unsure about certain aspects of car insurance in your state, put those concerns in a message on the car insurance forum, being sure to mention what state you live in, then check back frequently for answers to your questions.
Everyone wants to be frugal when purchasing insurance. Be sure to look into discounts you may be eligible for. There can be discounts if you insure multiple cars, if you insure both a car and a trailer, or if you insure both your car and your house or apartment contents with the same company. Also make sure that the insurance agent runs through a list of possible discounts for things such as good student, driver education courses, anti-theft devices, low mileage use, safety features on your car, and good driver. Staying with the same insurance company for many years will tend to decrease the amount of money spent on a policy, though it may be hard to see since insurance costs overall may increase due to economic factors. Choose your deductible wisely. A higher deductible will decrease the cost of your insurance, but don’t pick a deductible that you would struggle to meet if you had an accident. Insurance is supposed to help, not hurt.
You will find that there are factors that you have no true control over that will affect the cost of your car insurance. Where you live, your gender, your age, and your marital status all affect the price. Males have more accidents, married people have lower numbers of claims, and certain age groups have more claims. The make and model of car you choose to drive and your driving record will also have an impact on the price of your policy.
Be sure to shop around before making the final decision of what company you will get your car insurance from. Talk with friends and relatives, and place questions on the car insurance forum, to find out more about specific companies. You want to pay special attention to their claim service since that is what you will need if something goes wrong. At that point in time you will not want to deal with a poor claims service.