Auto Insurance Quotes For The Protection You Need

2007-03-08 10:33:40

( Automobiles )



When you shop around for your car insurance, auto insurance quotes for you will be based on a number of factors: age, gender, place of residence, driving history, how you use your car, and your car’s mileage, make and age.

It is of course possible to get cheap auto insurance quotes from the many online auto insurance quotes services available. These quote services are able to give you cheap quotes through the telephone or Internet. If your insurance needs are more sophisticated, however, you will want auto insurance quotes for you to be more tailor-fit.

The most important basis of the car insurance quote you receive will be the coverage you want. Your choice of coverage will be composed of mandatory coverage required by state law and additional coverage needed for your further protection.

How Much Protection You Need

If your net worth is very little, then the minimum coverage required by state law may be enough protection. In that case, the cheap auto insurance quotes available from an online auto insurance quotes service should fully serve your needs.

But if you have more assets to protect, then you’ll be more concerned. It is difficult to predict how much an accident will cost you. However, it is easy for losses to run up to several millions in a two-car accident involving four people. Without adequate protection, you could lose everything you have.

A simple calculation for the amount of liability coverage you need is to add up the equity you’ve accumulated in your house, the net value of other property you own including major items like cars, jewelry, paintings and collectibles, and other cash or investments you may have. The total value of these things is what you need to protect.

Hence, you will ask the insurance company to give you auto insurance quotes for liability coverage equal to the amount in your rough calculation above. You may not exactly get very cheap auto insurance quotes but your hard-earned dollars will go a long way towards buying financial security for you and your family.


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