Auto Insurance Quotes In Under 5 Minutes - FREE!
logo
Finding Cheap Auto Insurance in is Only a Few Clicks Away!
Users Rating : 0 out of 5 based on 0 ratings.
How Are We Doing?
  
  Are you insured? Yes No

Affordable-Auto-Insurance-Quotes.net is pleased to present the following article related to...

Auto Insurance California

What Is Auto Insurance Really All About?
By Timothy Gorman

Auto insurance is an agreement between you and your insurance company where you arrange to pay a premium in an exchange for the peace of mind that your insurance agency will pay for vehicle related financial losses during the duration of the policy. You need auto insurance because you are liable by law to pay for losses you cause to others in the event of an automobile accident. Purchasing auto insurance is the surest way to guarantee you will be able to fulfill your end of the bargain. In some states it is required that you have minimum forms of insurance in order to drive. You also must have insurance in order to finance a car.One of the first questions you will be asked when obtaining automobile insurance is how much of the covered loss or deductible do you want to be your responsibility? You may choose between $100, $250, $500, or $1,000.

The higher your deductible the lower your premium however you must keep in mind that the deductible is the amount you must pay before your insurance will assist you. If you cannot afford to pay the first $1,000 of the covered loss you may want to consider how much you can afford and choose a lower deductible. Your insurance coverage is broken down into each purpose you would need to be covered for. One of the most common coverages include liability which pays out when the insured driver is legally responsible for bodily injuries and property damage they cause to others. Bodily injury damages cover medical expenses, pain and suffering, lost wages and other special damages.

Property damage includes damaged property and loss of use. Liability also pays legal defense expenses. Each state has a set minimum amount of coverage you must carry but you may opt for higher amounts.Personal injury protection pays medical expenses for covered individuals despite who is at fault for the accident. It also covers rehab, lost wages, replacement of services and funeral expenses. Medical payment coverage pays medical and funeral expenses regardless of fault when the causes of these requirements are due to an automobile accident.

Collision coverage pays for damage to an insured vehicle caused by collision with another vehicle or object. Your deductible will apply to collision coverage.Comprehensive coverage pays for loss of or damage to an insured vehicle unless is damaged or lost as the result of a collision. Comprehensive would cover losses due to theft, fire, wind, hail, flood, vandalism or impact with an animal. Your deductible will apply to comprehensive coverage.Uninsured motorist pays for loss or damage caused by another driver who does not have liability insurance. Underinsured motorist coverage pays when the insured driver is injured in an automobile accident caused by a driver who has an inadequate amount of liability insurance.

Rental reimbursement pays rental vehicle costs when your vehicle is put out of commission as the result of an automobile accident. Daily monetary limits may apply. Emergency roadside assistance coverage pays towing expenses when your vehicle breaks down. Distance limits may apply. Your policy will generally cover you, your spouse children and other family members who reside in your residence as well as anyone else who has permission to drive your covered automobile..

Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving home, life, health and auto insurance</a > quotes that you can research in your pajamas on his website.


We hope the above article related to auto insurance california has been helpful to you. Here's some more of our recent auto insurance articles you may find of interest...
Conducting A Search For Cheap Student Car Insurance
By Rupal
College students and graduates have to locate their own insurance after leaving the comforts of home. Health insurance is often seen as the most important Read more...
Why Bother With Farmers Auto Insurance?
By Peter
Farmers auto insurance is a very large insurance company that offers all types of coverage including car insurance. The insurance policies cover many things concerning insurance on Read more...
Cheap Car Insurance Quotes Online Can Be Compared
Car insurances are quite tricky, if they have not been researched. Anyone who buys a car will have to do some research for these quotes before deciding which one to buy. Cheap car insurances quotes Read more...

affordable auto insurance quotes


ENTER ZIP CODE
  Are you insured? Yes No