| If you drive, you need auto insurance. But many | | | | medical fees for someone you injured in a car |
| drivers still cruise around town uninsured. But | | | | accident, include injury liability to your policy. With |
| why? It's because they don't think they'll end up in | | | | most policies, you can even state the level of |
| an auto accident. However, everyday hundreds of | | | | liability coverage, dictating how much your |
| drivers find themselves in auto accidents, and I'm | | | | insurance company will cover and what your |
| sure it's safe to say that they weren't expecting | | | | premiums will be. |
| it. | | | | What Not to Select: |
| Auto insurance is security. It's a way to protect | | | | Some people see auto insurance as a burden. |
| your car, yourself, and other drivers while on the | | | | They think they're perfect drivers and will never |
| road. Auto insurance policy holders pay premiums | | | | get in an auto accident. And if they do, it won't be |
| and in return, the auto insurance company | | | | their fault and the driver at fault will pay for any |
| subsidizes expenses involved in an auto accident. | | | | necessary repairs and medical expenses. So, they |
| It's a way to protect drivers against costly car | | | | opt for the most inexpensive or basic coverage |
| repair, hospital, and even legal bills as a result of | | | | possible. |
| an auto accident. | | | | If you're one of these "perfect drivers" who |
| But there isn't just one type of auto insurance | | | | thinks this way, you're not looking at the entire |
| available. Drivers have a few options they can | | | | picture. What if you're rear ended and injured by |
| choose from when selecting an auto insurance | | | | an uninsured driver who flees the scene and is |
| policy. Drivers can choose the level of coverage | | | | never found? Now you're stuck with medical and |
| and liability of their policy. However, more liability | | | | car repair expenses. If you had a policy that |
| and coverage means higher premiums. So how do | | | | covered you in such an event, you wouldn't be |
| you decide what policy to get? | | | | stuck with the entire bulk of the bills. Basic auto |
| What to Select: | | | | insurance only provides basic coverage; and the |
| When shopping for auto insurance, you first need | | | | term "basic coverage" means different things to |
| to establish what type of coverage the state | | | | different insurance companies. If you're shopping |
| requires you to have and what additional | | | | for auto insurance, don't just ask for the most |
| coverage you want. Different states have | | | | inexpensive and basic policy. Think about what |
| different auto insurance coverage laws, so be | | | | you need to keep yourself safe on the road in |
| sure to check with the DMV or your auto | | | | any situation. You never know what will happen |
| insurance company about specific state requires. | | | | when you're on the road. |
| But, in addition to state required levels of | | | | Auto insurance is a basic necessity of life. If you |
| coverage, you can always add additional coverage | | | | want to keep yourself safe while on the road, |
| to your policy. Standard coverage options include | | | | you need to have proper auto insurance and a |
| medical coverage, collision, and comprehensive | | | | policy with the coverage and liability you need to |
| coverage. Liability coverage options include injury | | | | protect yourself and your passengers in any |
| and property damage. | | | | situation. |
| If you want to protect yourself from paying high | | | | |