Discount Auto Insurance Explained

No matter where you live, if you have been driving longer than a week, it is easy to recognize that accidents can and do happen. Especially in todays society, accidents are happening more frequently due to driver distractions

such as cell phones and other things that take the drivers focus off of the road.

Sometimes, things can happen to your vehicle even when you are not driving. Trees limbs can break and fall on your car, shopping cart crashes into your windshield or even automotive burglary. It is important to ensure you

have the proper coverage from a low cost car insurance company. It is also required by state law that you at least purchase a minimum amount of discount auto insurance coverage.

Why Buy Low Cost Car Insurance

Auto insurance protects you against financial risks related to personal injuries and property damage from auto accidents, theft, vandalism and natural disasters. Low cost car insurance customers pay auto insurance

premiums so in the event of an accident, the insurance company helps financially cover the cost of repair or replacement, depending on the type of discount auto insurance policy you have.

All states require drivers to purchase at least a minimum amount of liability coverage. This way if someones vehicle is damaged in an accident from the fault of another driver, the faulted drivers insurance company would

cover the damages. Other types of low cost car insurance is optional, required or recommended based on state regulations.

Also, if you financed your vehicle and have a current loan or lease, you will most likely be required by the lender to purchase a certain amount of auto insurance coverage.

Liability Coverage

State laws require you to purchase a minimum amount of low cost car insurance coverage. Most likely they will require you at least purchase some or all of the following types of liability coverage:

* Bodily injury liability this discount auto insurance coverage protects your assets if you are held liable for an auto accident where other people suffered injuries or fatalities.
* Property damage liability covers the repair or replacement of the other persons vehicle or other property.
* Uninsured/underinsured motorist coverage unless you reside in a "no-fault" state (where your low cost car insurance will cover your losses), this auto insurance coverage insures you against losses caused by other

drivers with little (underinsured) or no (uninsured) auto insurance.

To ensure you are protected and covered, it is recommended that you purchase more than the minimum amount of discount auto insurance coverage required by your state.

Collision Coverage

Collision auto insurance coverage is normally optional in most states, but it is wise to purchase this coverage. This could save you from paying out-of-pocket for automobile damages. There are several types of collision

coverage.

* Collision pays to repair or replace your vehicle if it is damaged in an accident.
* Comprehensive insures your automobile against damage caused by something other than auto accident such as theft, fire, flood or vandalism.
* Medical payments or personal injury protection covers various medical expenses that are not covered by your health insurance or your passengers.

Understand Your Policy
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