| This article is going to try to cover the basics of | | | | prone to extreme weather. If you are looking to |
| what you need to know about the different | | | | minimize your insurance you could get away |
| coverages when purchasing insurance. Most | | | | without buying comprehensive coverage. It's |
| policies will come with a few standards like Injury | | | | important but not required to have collision |
| and Liability. It's important to choose the correct | | | | insurance. This is probably the most common |
| amount of coverage for your budget or needs. | | | | type of damage that could be inflicted on your |
| You also need to beware of rate changes after | | | | car. Having this insurance could save you a ton of |
| the first few months of your coverage; most well | | | | money down the road. |
| known brands like that you see on TV will not | | | | Underinsured or Uninsured Motorist |
| have this problem. | | | | This is a very important type of coverage. This |
| Bodily Injury and Liability Insurance | | | | coverage basically covers you from anyone who |
| This is one of the most common insurance; you | | | | does not have any insurance. There are a lot of |
| will find it on almost every policy. This insurance | | | | people who do not have insurance, and if you do |
| covers any claims that are made against to you | | | | not have this coverage then you are going to |
| from anything you could have caused in an | | | | have to pay for everything. If there is anything |
| accident. Without this, you will have to pay out of | | | | extra you should add to your policy it's this |
| pocket for the other personal expenses. | | | | coverage, it can save a lot of problems. |
| Collision and Comprehensive Coverage | | | | There are many other types of coverage you |
| These two are the opposites of each other. | | | | can add to your policy, but each will increase your |
| Collision insurance will cover everything involving a | | | | premium. Before deciding on a plan, shop around |
| wreck or accident. Comprehensive coverage | | | | and try to figure out exactly what you need |
| covers everything else that could happen to your | | | | from your policy. |
| car. This is important if you live in an area that is | | | | |