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Car insurance policies very from state to
state. They consist of a package of different coverage elements which
together form your policy. When insuring a car in New York you are required you to carry
at least liability coverage on your auto. (This
is to protect the other guy not you.) If you intend to protect your
auto, assets or personal property against loss it would be advisable
to purchase more than just the minimum liability coverage. Given the
high cost of replacing a automobile today, collision and
comprehensive coverage are included in most Auto Car Insurance policies.
Consumers would be well served to compare auto insurance quotes from the nations leading carriers.
Car Insurance - What is covered?
Car insurance policies can (but does not have to) include coverage for up to
six distinct risks, each of which is priced separately. They are:
Car Insurance - Bodily injury liability, for injuries the
policyholder causes to someone else.Car Insurance - Medical, or in some states,
Personal Injury Protection (PIP) for treatment of injuries to the
driver and passengers of the policyholder's car. At its broadest, PIP
can cover medical payments, lost wages and the cost of replacing
services normally performed by someone injured in an auto accident.
Car Insurance - Property damage liability,
for damage the policyholder caused to someone else's property.
Car Insurance - Collision, for damage to the
policyholder's car from a collision.
Car Insurance - Comprehensive, for damage to
the policyholder's car that doesn't involve a collision with another
car. Covered risks include fire, theft, falling objects, missiles,
explosion, earthquake, flood, riot and civil commotion.
Car Insurance - Uninsured motorists coverage,
for treatment of the policyholder's injuries as a result of collision
with an uninsured driver. No state requires car owners to carry
insurance for all these risks. But many states require drivers to
carry minimum amount of liability insurance for bodily injury and
property damage, as well as personal injury protection coverage.
Car Insurance - Additional Add-on Elements
Rental Car Coverage
- Towing Coverage
- Auto Replacement
Car Insurance - Money Saving Ideas
Save on Car Insurance - Choose a safe car.
When you buy or lease a car, choose on the basis of
safety features and the cars record of crashworthiness, if it is
easily damaged and repair costs. If the safety features you want such
as air bags are not offered, complain to the auto makers. Some of
them already are getting the message. Safety sells.
Save on Car Insurance - Drive smart.
Drive carefully and use safety belts and child
restraints. Always drive defensively and stay alert. Never get behind
the wheel impaired by alcohol or other drugs. Obey speed limits and
other traffic laws. Set a good driving example for your children.
Support enforcement efforts by the police and courts against drunk driving.
Save on Car Insurance - Fight insurance fraud.
Fraudulent claims can cost your insurance company
millions of dollars each year. These costs are passed on to you, the
policyholder in increased premiums. Report fraud to your insurance
company to the State Insurance Department or to law enforcement agencies.
Save on Car Insurance - Talk to your agent.
You may be able to reduce your premiums by reviewing
your policy to reassess the coverage you have. Are your deductibles
too low for your financial situation? Do you need the optional
coverage? Does your coverage duplicate other coverage you have? Your
agent or company representative can help you analyze your policy to
identify savings. Shop for auto insurance: compare prices, coverage
and quality of service. Keep your driving record clean to get lower
premiums. Take advantage of discounts offered by your company.
Save on Car Insurance - Secure your automobile.
Many companies offer discounts if you install an
active or passive auto anti-theft device in your car or if you etch
the vehicle identification number in the corners of your windows.
Park your car in a protected area. Always lock your car. Never leave
packages or belongings in sight in your car. Avoid known high-risk
parking areas. This is particularly true if you are insuring a car in New York or another large city with high theft rates.
Save on Car Insurance - Help control medical costs.
Quality medical care is not necessarily the most
expensive. Challenge doctor or hospital fees that appear to be
unreasonable or that seem to be unnecessary treatment. Educate
yourself on appropriate medical treatments and avoid unnecessary
medical charges from your doctor and hospital.
Save on Car Insurance - Lower your repair costs.
Replacement parts supplied by someone other than the
auto manufacturer can save up to 33 percent on repair costs.
Certified replacement parts have been found to be equal in quality to
the original manufacturer s parts with warranties that also are equal
or better. Used parts are also a cost effective alternative in
quality auto repairs.