Product Reviews Site Article DirectoryArticle Directory from productreviewssite.com

Car insurance is one of those things that you pay but don?t think much about, unless you need it. Nevertheless, do most people know what they bought or whether they got the best price? Absolutely not! You can protect yourself from fast talking agents if you know a little about car insurance and what to look for in a policy.

The minimum coverage required by the states varies, and so do some wording in the no-fault insurance states but the concepts are the same everywhere.

The first part of your policy is the collision and comprehensive coverage, which covers the automobile itself. Collision covers those trees which jump in front of your car and rude drivers who put their cars in the way of yours. Comprehensive includes damage and theft (hail, falling trees and the like).

The second part of your policy covers liability - the damage done to another car when you are at fault in an accident. This coverage is shown in numeric terms, such as 25/50/10 (this means that your insurance company will cover up to 25,000/person and 50,000/accident - the 10 means your insurance company will cover 10,000 in property damage/accident.)

Medical payments are there to cover any party involved in an accident, no matter who is at fault. Your car insurance policy also covers you in case you are hit by a car while walking. If you don’t have health insurance, this part of your car insurance helps to cover medical expenses. It may also cover medical expenses which your health insurance does not.

There are additional coverages in the policy such as uninsured/under insured motorists, which pays if someone hits you without any or enough coverage. This also covers a hit and run. Also towing may be added for a nominal sum if you have full coverage, both liability and comprehensive and collision.

You can save a lot of money on car insurance by keeping these rules in mind:

1.Always get several quotes when it’s time to renew your policy. There are several Internet sites that you simply fill out the form once and they would check hundreds of companies. Be sure you always compare like coverage. Check to make sure that all quotes contain exactly the same thing you have.

2. See if your home insurance company offers a discount for buying your car insurance from them as well.

3.Ask about discounts. There are a number of discounts offered. For younger, higher risk and higher premium drivers you often can get a discount for driver?s education courses or good student discounts.

4. You may not need to carry full coverage for your car. If you don’t have a loan you are paying on the car, you can sometimes save a lot of money by dropping the comprehensive and collision portions of your coverage. Compare the payment your insurance policy will pay out against the Kelly blue book value if your car is totaled. If this cost is higher than two years of premiums, you might want to consider dropping this part of your policy and using the savings to buy a newer car. However, keep the liability insurance - it’s important.

5.Get a weather beater. These are older cars that you use for driving back and forth to work. Save the good car for special trips. When you assign the most driving to the old car, carry only liability and use the new car with full coverage for pleasure us only, you save wear and tear on the car and the money spent on the beater is more than covered by your savings.