subject: Automobile Insurance: Quick, Instant And Online [print this page] Cars come in all shapes, sizes, ages, colors and manufacturers. The car you own may not be the latest Mustang but you still need auto insurance. It protects you and your family from having to pay bills out of pocket if an accident does occur. The trouble is that insurance hasn"t gotten cheaper over the years, it has in fact increased. How can you cope with the rising prices of cars, fuel and automobile insurance?
There are ways to lower your insurance rates. You might not be aware of them because insurance is just another thing to get out of the way--one of those things in life that people think has to be expensive. They think it is a tedious process of losing money. That is the myth that I want to bust in this article. If you take a closer look at auto insurance, you will find that it"s not that complicated and there are many tools online that help get quick, instant automobile insurance quotes.
Most insurance companies will give you an accurate quote in a few minutes online after you enter specific information about where you live, what kind of car you own and some of your personal driving history. A ton of factors go into determining your insurance rate. Some of them you have to accept (rates based on where you live and your credit score) while others you can control like the amount of coverage and discounts that we will look into.
How much coverage do you really need?
Each state has its own liability insurance limits. All states except New Hampshire require that you own liability insurance. It is important to get more than just liability insurance. And most insurance folks recommend getting liability coverage that far exceeds the minimum required amount. If you do get into an accident that is your fault and are underinsured, the other party can sue you for the rest of the damages incurred. Getting a higher coverage will protect your assets.
But there are still two things to consider while deciding how much coverage to purchase.
oWhat kind of car do you own?
If you have an old car that is of little value, you don"t need collision or comprehensive insurance and can do with just liability. If you do own a fancy new car, it"s important to get full coverage.
oHow many assets do you have?
If there really isn"t much you can be sued for, you can just keep liability. Be sure to have good health insurance though. If you have a lot of assets that you could be sued out of, I would suggest getting high coverage and save the stress of selling off property just to pay out insurance.
What kinds of discounts could you get?
There is a great variety in the discounts you could get on aarp online automobile insurance. Here are just a few to get you thinking about asking for discounts.
oStudents: Students get discounts if they maintain good grades (anything above a 3.0). This is a great incentive to study harder and be able to keep your car through college.
oSeniors: Seniors can get discounted automobile insurance with the AARP. You have to be 50 years or older to join the AARP and benefit from all their discount on a lot more than car and home insurance.
oSafety features: Any safety (anti-theft) features or air bags that you install will help you get money-saving car insurance rates.
Once you determine the coverage you really need and the discounts you could get, buying an affordable insurance policy online is easy. Insurance rates are always changing. Insurance companies might be able to maintain the same level of great, reliable service but they cannot guarantee that your rates won"t increase. You must search around for a better deal on insurance every 2 years and since you now know how painless the process of getting automobile insurance can be, you have no excuse for not saving more!
by: Bethany Collins
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