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What Do I Need to Know About Car Insurance?

Anyone who drives a car is required to carry car insurance. Some type of liability car insurance is required by all fifty states and is usually the minimum car insurance carried. There are a few basics that everyone needs to know about car insurance. If own your own car, you might know some facts about car insurance, but it can get a little confusing sometimes, so I will try to make this information about car insurance simple and easy to understand.

What is car insurance and why do I need it?

Car insurance is purchased to take care of medical expenses or repairs to cars in case of an accident. You can also purchase insurance to cover losses to your car from other reasons. There are three types of car insurance that most people purchase:

Liability car insurance: This type of car insurance is required by all states. It's a good idea to find out the requirements for your state before purchasing car insurance. Liability car insurance pays for damage to the other party's car and their medical expenses if you are at fault. There is usually a minimum requirement for the amount of liability coverage you must carry.

Collision car insurance: This insurance helps pay for your losses to your car due to a collision, whether or not it's your fault. There is usually a deductible associated with this type of car insurance. This insurance also covers towing, storage, etc. if your car is damaged. The cost of repairs to your car will usually be covered by collision insurance.

Comprehensive car insurance: This car insurance covers all losses to your car due to fire, theft, vandalism, weather damage or other factors. It also covers colliding with an animal or a rock hitting your car. An insurance deductible usually applies depending on your car insurance policy. Comprehensive insurance covers just about everything except collision.

If you're financing your car you need to have full coverage

If you have financed your car, the lender will usually require that you carry full coverage. This means liability, collision, and comprehensive car insurance. If you own your own car you can opt to carry the minimum amount of insurance.

Think about these things before buying car insurance...

Consider what type of car you have, how good your driving record is, and how much you want to spend. Depending on how old your car is, or the value of the car, you may just want to purchase liability, or you may want full coverage.

Check car insurance quotes online to save time and money

Compare car insurance quotes online by googling "car insurance Casa Grande," "car insurance Tucson" (or enter your city), "online quotes for car insurance," "cheap car insurance," or "auto insurance." There are great websites where you can enter your information and compare many insurance policies at once.

A little research on car insurance can go a long way - check it out today!

by: Dale Randon

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