How to Buy Car Insurance

Almost every state requires all drivers to have car insurance. Without it, you’re prone to significantly higher financial loss whether you’re involved in an accident or your car gets stolen. Insurance protects you, your passengers, and your car in the case of an emergency. If you’re new to shopping for car insurance, it’s important to shop around for the best rate and terms possible. Here’s a comprehensive guide on everything you need to know to buy car insurance.

What is Car Insurance?

A car insurance policy provides financial protection from a variety of losses including bodily injuries, property damage, and medical costs, depending on your specific insurance policy terms. Paying a premium to a car insurance company can spare you from having to pay the high costs that can be incurred following a car accident.

What is a Premium?

A car insurance premium is an amount you pay to maintain your insurance policy. Car insurance companies may require monthly, quarterly, bi-annual, or annual payments to provide insurance coverage. Insurance companies will calculate your premium depending on a variety of factors that may include your credit history, car type, driving history, and the coverages selected.

What is a Deductible?

A car insurance deductible is the amount of money you’ll pay out of pocket after an accident. Generally, low deductibles have higher premiums and vice versa. Some car insurance policyholders can choose to pay low premiums, but risk paying more out-of-pocket after an accident than those who choose a policy with a higher premium. Make sure to work with your insurance agent on the perfect balance of premium and deductible to fit your budget.

How to Buy Car Insurance

It’s never been easier to buy car insurance, even if it’s your first time. You can choose to buy car insurance online, over the phone, in-person, or a combination of all three methods. Regardless of your preference, it’s helpful to shop around for the best price possible. Insurance companies use different factors to determine your rate, so you may find a better deal if you do your homework.

From an Insurer’s Agent or Website

Most car insurance companies are easily accessible by phone or through their website. You don’t need to search for an insurance broker to help you choose an insurance company. While a bit impersonal, online insurance shopping gives you plenty of time to make an informed decision and compare clearly laid out insurance policy options.

Buying car insurance online directly from an insurer’s website gives you the freedom to customize your insurance package and removes the pressure of dealing with an insurance agent. You’re also able to seamlessly look through their insurance coverage options as well as those of competitors’.

Different Types of Car Insurance

Car insurance coverage varies depending on the specific coverage you choose. Knowing the different types of car insurances can help you choose the exact one you need and avoid the ones you don’t. Learn about the different types of auto insurance coverage available and choose the coverage you need.

Some of the different coverages and add-ons include:

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