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Auto Insurance Coverage

Auto insurance coverage is packaged into different coverage types.   Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don't end up paying for something you don't need.  The truth is online quotes are the most accurate and efficient way to get good, affordable auto insurance coverage no matter where you live.

Uninsured Motorist Coverage

If the other driver involved in an accident is uninsured, this coverage pays up to the limit you purchase.  The coverage limits refer to the maximum amount that will be paid per person, per incident, respectively.  Uninsured or underinsured motorist coverage might also be a wise buy, even if you have full medical coverage, as it can pay for your pain and suffering damages.  The recommended coverage is one which is affordable and protects an insured's investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured's legal liability as a result of automobile accidents.  Keep in mind that you may be able to raise the coverage limits for a small additional premium.

Many states require you to add Uninsured/Underinsured Motorist Coverage in the event that you are injured by an uninsured driver or hit-and-run.

Medical Payments Coverage

Medical Payments coverage protects the driver and passengers without regard to fault.  Therefore, if you choose a $2,000 Medical Expense Limit, each passenger will have up to $2,000 coverage for medical claims resulting from an accident in your vehicle.   

Whether you need optional medical coverage and how much you need depend on what your health insurance coverage includes.

Comprehensive and Collision Coverage

Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. Comprehensive auto insurance coverage helps pay for damage to your vehicle not caused by collision. Comprehensive coverage protects your car if it is stolen or damaged by something other than collision, such as fire, vandalism, windstorm, earthquake or hail.    If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. 


If you have an older car or one in poor condition, you may not want to pay for this coverage.  For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.  Individuals without health insurance may benefit from this coverage, because if the limits chosen are inadequate, you will be responsible for paying the additional amount.  If you donít have Collision coverage, Uninsured Motorist Property Damage coverage pays up to a certain amount for repairs to the insured car (some states have limits at $3500, some are lower and some are higher).   

Collision and comprehensive coverage are required in most lease contracts, and are essential if you own an expensive car.

Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don't end up paying for something you don't need.

Auto Insurance Discounts

Many actually pay more than they need to for a vehicle insurance policy simply because they don't realize that savings can be made.
Young drivers especially have a hard time finding good online cheap monthly vehicle auto car insurance quotes because they are still on their parents insurance policy from one of the larger auto insurance companies.  You can still get affordable auto insurance rates if you have good grades in school with a good student discount.


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Online Vehicle Insurance provides the ability to instantly compare car insurance quotes from top companies while finding the cheapest rates to save you money immediately. Free vehicle auto insurance quotes is important since buying your auto insurance policy online will provide instant savings on a monthly basis.