Car Insurance -- Helping You Understand Things

By buying a car insurance policy, you are entering into a contact with the insurance company. If your car meets with an accident, you will be eligible for compensation for the losses under the contract. Paying the premium is your obligation under the contract.

Property, liability and medical coverage are all covered by car insurance. In case of damage to or theft of your car, property coverage will pay for the losses. The liability coverage will pay for your legal responsibility for bodily injury or property damage caused by your car.

The cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses are paid by the medical coverage.

Majority of the car insurance policies are valid for six months to a year. When the validity is over, you must renew the policy.

State laws mandate that your have some form of car insurance if you own or operate a car.

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Different states have different penalties for driving a car without insurance. Compounding of the car is done is some states. There are heavy fines in some states. If your car is involved in an accident without insurance, the consequences can be serious. You will have to pay out of your own pocket for any injuries or damages.

Your credit history, the age and type of your car will play an important role in determining the rate you have to pay for car insurance.

It is your responsibility to provide insurance for any car you own regardless of who is operating the vehicle. If you operate a car without insurance, you will be in violating the law.

Finally, a few savings tips...

1. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. They generally file fewer claims and when they do, they usually cost less.

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2. "Pimping your ride" does NOT help if you want lower rates. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned.

3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don't think about this when they are about buying a home.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. Never leave your car unlocked and running while you dash in to get something. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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5. Using your parents' car insurance policy is an option for you an under 25. Your parents are part of a lower risk age bracket.

You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to use this option. If you don't like the idea of handing the car's ownership to them and other stuff that may come with it, then you'll have to forget this option.

6. Visit not less than five quotes sites. Requesting quotes from a minimum of five quotes sites raise the chances that you would obtain more affordable auto insurance quotes. This is because offers not represented by one site will be represented by the other.

And, you should understand that because the likelihood of getting lower auto insurance quotes has to do with the number of quotes you get, the more insurance companies you get quotes from, the higher your chances will be.

Requesting for your California auto insurance quotes online will help you save a bundle if you sacrifice around 25 minutes to get quotes from at least 5 quotes sites.
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