Personal Auto Insurance Online
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Auto insurance, as the name implies, covers almost all motorized vehicles that are not for commercial purposes. This includes autos, SUVs, vans, and trucks. Securing a policy will cover damages and injuries to others, affected by a crash or incident you were involved in while using your vehicle. Getting a personal auto insurance online is not only smart because it can save you a lot of money, but it is also required by law.
Each state in the U.S. has a series of laws pertaining to the regulation of auto insurance. These laws are designed to protect all drivers, as accidents do happen and insurance is vital to pay for the costs of such incidents. Get a free quote at goodtogo insurance and save up to 55% on-line in about 4 minutes.
Personal Car Insurance Types
There are several categories of personal auto insurance you can choose from when selecting a policy. Here are the three main ones.
* Liability Insurance
This important type of coverage is mandatory because everyone must carry the state’s minimum amount. Liability car insurance will cover damages to the other party. This includes damage to the automobile and personal injuries, that result from a collision caused by the insured driver.
There are two main kinds of liability protection. The first is bodily injury. As the name implies, this will pay for medical expenses, funeral costs, lost wages and even emotional pain and suffering by those affected by an accident you caused. Property damage is the other aspect of liability insurance. This will provide compensation and reimbursement for damage done to someone’s personal property. This, of course, includes automobiles but also covers signs, fences, houses and other things you hit while operating your vehicle.
It is important to remember that your insurer will only cover you for amounts up and to your policy limits. This is why when you select personalized auto insurance policy, you need to carefully analyze how much insurance to get so you are adequately and fully covered. Having non-adequate insurance limits can result in you getting sued and possibly having your wages garnished. Buying cheap car insurance is often misleading, as these “cheap” policies may cost you a lot of money in legal judgments in the long run if you get into a serious at-fault collision. Get a low-cost liability policy online at good to go insurance today and save more of your hard-earned money.
* Collision Car Insurance
This type of coverage is a big step up from liability. Collision auto insurance will cover repair costs and also replacement when your automobile is hit. This added protection can save you from unexpected incidents like hitting a pole while backing up, having your car smashed by another vehicle in a parking lot, or sliding into a tree in snowy weather. Collision will also pay for repair costs, resulting from incidents while your vehicle is parked. For example, let’s say an out of control, wind-aided shopping cart slams into your car and puts a big dent in it. If you have this policy, you will be insured.
* Comprehensive Auto Insurance
This is the “granddaddy” of insurance coverage. As the name says, having this protection is comprehensive and will cover you for everything other than an auto accident with another car. This includes many things that can happen, including water or flooding damage, theft, and even vandalism. For more expensive vehicles, it is important to consider purchasing it, to cover the large investment from being lost. Auto thefts do happen and are on the rise. Imagine if you saved for several years and bought a new $35,000 vehicle and it was quickly stolen. If you did not have comprehensive, you could very well lose all of that money invested in your car. If you have an old vehicle that is worth less than $5,000, you might not want to add it on because this policy is more expensive.
Cheap Personal Car Insurance Online
Now that you are educated on the three basic components of a good auto insurance plan, you should get a free quote check-up. The best place to get cheap personal car insurance is online. At sites like good to go insurance, you can save $500 or more and print out your I.D. card, all online. There are also great discounts that can save you lots more. Gets started now with your personalized quote and see how easy it is to get good auto insurance at lower rates.