Car Insurance Quotes: What To Look For

2007-03-08 10:33:40

( Automobiles )



There is no getting around the fact that motor insurance is a legal requirement. If you get caught without even the basic type of auto insurance coverage, you are sure to pay stiff fines and penalties. So even if you have not been in any type of accident and you think you are a very safe driver, driving a car without auto insurance is still not an option.

When going over car insurance quotes, bear in mind that the wordings on the insurance policy may differ from one carrier to another. If there is something you do not understand it is important that you ask your agent. Conduct a thorough research before you buy a policy. Request for car insurance quotes and go through them one by one. You should compare auto insurance quotes. Compare the rates, the coverage and the benefits being offered by the carriers.

There are three basic types of car insurance. There is Third Party Only. This policy will pay for the damages for any vehicle and will pay for any medical claims suffered by passengers other than you. It will not pay for the damages of your own car nor will it pay for your medical bills if you are injured. Third Party Fire & Theft works the same way as a TPO. However, this policy will pay out if your vehicle is stolen or destroyed by fire. The last type of car insurance coverage is the Comprehensive coverage. A comprehensive policy will cover third party damages and injury, fire, theft, and damages done to your own vehicle or to yourself.

It is advisable to shop around before getting an insurance policy for your vehicle. You can get car insurance quotes from a couple of major carriers and start from there. The cheapest policy may not always be the best option when it comes to vehicle safety.


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