| With the high cost of gasoline nowadays, most | | | | number one factor affecting car insurance rates. |
| new drivers think twice of getting car insurance. | | | | Be sure you have a copy of you credit report |
| Driving without any car insurance is a very big | | | | and check its accuracy and immediately contest |
| risk. Most drivers might think that car insurance is | | | | any erroneous information. |
| way too expensive, but in the long run it may | | | | 3. Motor Vehicle Report (MVR) |
| save you a lot of money. | | | | You can get a copy of your Motor Vehicle Report |
| Take for instance this example, if you are in a car | | | | in your respective Department of Driver Services |
| accident it may cost you thrice the amount you | | | | or Department of Public Safety in your state. A |
| might have paid for a car insurance to cover for | | | | three year record may cost you 5$ and a seven |
| hospitalization and for buying yet another car. Plus | | | | year record would cost you 7$. Like credit |
| without car insurance you will be paying police | | | | reports, verify that all information are correct. |
| fines as well as paying for suspended licenses. | | | | 4. Accident Reports |
| A total of 47 states require some kind of | | | | You can get a copy of your Motor Vehicle |
| insurance for your car. It would be wise to know | | | | Accident Report from the local police department. |
| the basic law covering car insurance. Here are ten | | | | It may take around six weeks before you can |
| tips you can refer to on how you can get the | | | | receive the detailed report. You might need to |
| best deal on car insurance. | | | | pay a higher car insurance rate if you have |
| 1. Know the different types of car insurance | | | | reported accidents within the last eighteen |
| policy | | | | months. |
| The first thing to know in buying car insurance is | | | | 5. Scout for a good insurance package |
| to understand the different policies they offer. | | | | There are some insurance companies that are |
| Choose a policy or policies that would best suit | | | | offering multi-vehicle discounts. You would get a |
| your needs. | | | | lower rate if you have two or more vehicles that |
| Liability - This policy covers physical injuries and | | | | you want to get insured. Also, you can get a |
| damages to property. This includes paying for | | | | good deal from one company that packages all |
| hospitalization and other medical expenses. | | | | their insurance policies, including home and health |
| Damage to property includes vehicles and other | | | | insurance. |
| tangible property that might have been damaged | | | | 6. Check out various discounts |
| during the accident. Liability also includes expenses | | | | Most insurance company offers a discount to |
| for court proceedings if the vehicular accident | | | | drivers over 55 years of age. It always pays to |
| requires one. | | | | be a good student; you can get a student |
| Collision - This policy covers any damages if your | | | | discount if you have a3.0 point average or higher. |
| vehicle is crashed to another vehicle, lamp posts, | | | | 7. Obtain a Driving Safety Certificate |
| house or any another objects. | | | | It is common for car insurance companies to give |
| Comprehensive - This policy covers damages | | | | certain discounts to those who finish a safety |
| caused by natural disaster like flood, storm, hail or | | | | driving course with a very good standing. |
| wind. This also includes damages by theft or | | | | 8. Check the model of your car |
| vandalism. | | | | Insurance rates can be different from vehicle to |
| Medical Coverage - Medical expenses are covered | | | | vehicle. A fancy car will obviously have a higher |
| by this policy not considering if the cause is a | | | | rate than an older model. |
| vehicular accident or not. | | | | 9. Take advantage of added features |
| Personal Injury Protection (PIP) - A personal | | | | Be sure you are receiving lower rates for safety |
| insurance of the driver. This policy covers for | | | | and security features like antilock brakes and air |
| medical expenses and treatment caused by an | | | | bags. |
| auto incident. | | | | 10. How much are you willing to pay |
| Uninsured Motorist - If by chance you are hit by | | | | Choose the option where you can handle the |
| an uninsured driver, this policy covers the | | | | down payment and the monthly paying scheme. |
| damages done to your vehicle. | | | | Compare other insurances' prices before |
| Underinsured Motorist - This policy will cover the | | | | purchasing one. You can try calling a toll- free |
| remaining cost for repairing your damaged car if | | | | number (1-888-588-5111) where you can ask for |
| ever the incident is caused by an insured driver | | | | car insurance assistance and compare rates. |
| with inadequate liability insurance. | | | | Having car insurance is like driving trouble-free. |
| Rental Reimbursement - In case of a damaged | | | | But, as always, being a responsible driver exceeds |
| car due to a vehicular accident, this policy will give | | | | all effort in having a hassle-free life on the road. |
| a daily allowance for rental fee. | | | | Never drink when you're driving. Have a big |
| 2. Know your credit rating: | | | | respect for your life and that of others. Go get |
| In most states, credit rating has always been the | | | | your car insured and be safe on the road! |