A Quick Spotlight On Your Car Insruance Options

A Quick Spotlight On Your Car Insruance Options

Copyright (c) 2011 Andrew SchererThere's just no getting around it and that is for anyone who operates a vehicle on the roads and highways in the US, collision insurance is mandatory. Of course it's always been the wise thing to do but since the new law was enacted, if you are stopped by the police or in an accident without proper coverage, you will lose your license for up to a year's time.Get into an accident while you're not covered and in that split second your life can become a nightmare. To begin with without an insurance carrier you are "on your own" and this means that even if you're not at fault, you'll be left to fight your own legal battles. On the other hand, if you're insured, it's your carrier's job to hire an attorney and investigator to clear your name.It's just so easy to allow your coverage to laps too. Perhaps for instance that it's been years since you've even gotten a traffic citation, let alone been in an accident. Or perhaps you have run into financial difficulties and are searching for ways to trim your living expenses. Also you may be driving a lot less than you have in the past. Either way, if you choose to go without proper coverage you're gambling with your life.One of the most common questions that people ask before they begin browsing online for insurance quotes is "what are the mitigating factors that can drive their costs up"? Still another common question is "what can they do to in fact keep their insurance premiums down"? The simple answer here is that two of the big things that they look at, is your prior driving record, and the type and value of vehicle you drive.Surprisingly your age will factor in heavily if you're a young driver and most particularly if you are a teenager. If this sounds unfair then you need to consider that young people are simply involved in more accidents than older people. Other factors that will come into consideration are the area you live in, and for sure any prior DUI convictions.Now if all of the above risk factors apply to you then you will be looking at higher than usual quotes, and that's a fact. Even so, in spite of all those risk factors there are things that you can do to help you drive your costs down. Going with a high deductible which is the fee that you pay when you file a claim is one of them, as is going with a carrier that offers discounts for things like completing driving courses.

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