Looking into auto insurance? In pretty much all the US states, car insurance is mandatory, and considering how important it is in a major metropolitan area to have your own means of transportation, you’ve basically got to bite the bullet and find yourself some insurance that you can live with.
Now if you’re looking for auto insurance, you may fall into one of two camps. You may just want to get it because it’s mandatory and you really only care about paying the least amount of money possible, or two, you need to find yourself a good amount of coverage that will allow you to sleep well at night knowing you’re protected.
If you’re wondering what kind of protection you can get from car insurance, here’s a quick list of what will be covered:
Collision Coverage: If you damage your car during an accident, this will cover the damages to a certain amount depending on what you specified in your policy.
Personal Injury Protection / Medical Costs – This will cover the medical costs of you as well as all other occupants of the car.
Uninsured Coverage – If someone does a hit and run on you or someone who is uninsured hits you, this will cover you.
Property Damage Coverage – This covers you for any property you end up damaging in an accident.
Comprehensive Coverage – This will cover all sorts of things other than accidents such as theft, vandalism, damage via weather conditions or even animals.
Now not everyone needs all of this coverage and some people only want the coverage to a certain extent, this is something you can play around with when you’re getting your auto insurance quote. By omitting coverage that you deem unnecessary, you can bring your quote down to something which fits your budget.
For instance, there is some coverage that will provide you with a rental car should you get into an accident, but if you deem this unnecessary, you’ll be able to save a bit on your car insurance. Also, there is roadside assistance available if you so desire, however if you’re the perfect handyman and can handle fixing a flat, you may not want this either.
Once you get your auto insurance quote, you need to go over all these fine points before you come to your final premium. Once you do, if it’s something you’re not happy with, you should search around through different insurance providers to find one that works well within your budget.
The best way for you to get your auto insurance quote by the way is by completing an online form. When you do a quote online, you often are able to get quotes from several different insurance companies all at once, this is because the information you submit is then transferred to them, allowing them each to come back with their own estimates for you. If you are going to live abroad then you can ask the embassy where you are going to live about local insurance. You can ask here (Thai Embassy) and also here (US Embassy) for more information.