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Three Questions to Ask When Getting a Car Insurance Quote

Three Questions to Ask When Getting a Car Insurance Quote

owning a car can be an expensive venture between the purchase price, gas and keeping up with repairs one of the most important decisions to protect your vehicle is choosing the right auto insurance company this is a big choice which can't be made simply from seeing a commercial or a billboard and committing to that car insurance company getting the best auto policy for your needs, involves asking the right questions when comparing quotes this will ensure that you not only get the best rates but get the coverage you need.

Three questions to ask before buying car insurance

how much driving do I do, how often do you use your car, do you require for your daily commute to and from work or do you need it for other daily activities such as driving the kids to and from school, it's easy to measure this by tracking your car mileage every month.

if you determine that you do not drive a lot a mileage based insurance policy may be ideal for you this policy will cost less if you do less driving however make sure to report the accurate amount to make sure your claim doesn't get denied should an accident occur.

what kind of coverage do I need

every state has a bare minimum for the amount of auto coverage you need to purchase for the most part this sum is applied to auto liability insurance which covers property and vehicle damage legal fees and accident related injuries while this bare minimum might be sufficient for some it is important for you to consider a few other options available to you such as:

* personal injury protection: this covers your and your passengers medical expenses and lost wages when you're hit by another party

* collision: regardless of who was at fault for an accident your car repair costs will be covered

* uninsured and underinsured motorist protection: the cost of your car repairs will be covered even when the defaulting driver is uninsured or underinsured

* comprehensive: coverage for damages to your vehicle resulting from non crashed incidents like vandalism fire and theft.