Gone are the days when getting car insurance quotes involved a morning of phone calls or visits to insurance agents all over town. Today, we can access hundreds of car insurance quotes with just few mouse clicks. The internet is awash in insurance websites which are all ready to offer you car insurance quotes regardless of where you live or what your special circumstances are.
What’s even better is the fact that the competition among insurance companies gets keener every day. Because there are so many companies vying for your business, if you are a shrewd shopper you can reap big benefits by carefully evaluating car insurance quotes and the special perks that companies now offer in order to win your business.
It’s important that you understand what you need. Your state has its own requirements with regard to minimum liability coverage for Bodily Injury and Property Damage which you must have according to law. This minimum liability coverage will pay for the medical costs to somebody who is injured in an accident in which you are at fault. This coverage will not, however, cover your medical costs. Nor will it pay for repairs to your vehicle. It’s a good idea to go beyond the minimum lest you find yourself car-less and in the hospital after an accident with no way to pay the medical bills.
In some circumstances, being under-insured can mean a lifetime of financial hardship. If you’re at fault in an accident and you don’t have enough coverage to pay the medical or other injuries suffered by others, the courts can make you pay those costs out of your own pockets for the rest of your life. Adequate insurance coverage can prevent such devastating consequences.
Other factors will influence what kind of car insurance quotes you gather as you make insurance decisions. Is your car new? Do you need to insure it to satisfy the requirements of the lender who financed your loan? What is your car worth and how much would it cost to replace it? (Most of us think our new car is worth what we paid for it, forgetting that cars begin to depreciate dramatically the minute we drive them off the lot. This makes GAP insurance, which pays the difference between what is owed on the car and its actual value, very attractive to many insurance buyers.) It’s a good idea to discuss these factors with the insurance company’s customer service representatives as you prepare to buy automobile insurance.
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