Most of us haven’t got a clue about what our car insurance really covers. Here’s what car insurance covers and how you can save money on your premium.

Collision Coverage

Collision insurance pays for repairs to your car from a collision regardless of who was at fault.

Raising the deductible – the amount you pay before your insurance company pays a claim – will save you hundreds of dollars a year on your premium. If you have an older car that’s not worth a lot, dropping your coverage, especially if your car is worth less than your insurance premium, can save you $450 or more.

Comprehensive Coverage

Comprehensive insurance pays for non-collision damage to your car from such things as vandalism, break-ins, fire, natural disasters, and other causes.

Raising your deductible will lower your premium considerably. Dropping this coverage if you drive an older car will also save you money.

Liability Coverage

Liability coverage pays for claims made against you for property damage and physical injury. It’s really the most important coverage because it protects you from losing your assets.

Don’t skimp on this one. If you don’t own much, you can stick with the minimum coverage. But if you do have assets you want to protect, get as much coverage as you can to protect those assets. Increasing your liability coverage won’t cost you that much more.

Medical Coverage

Medical coverage pays medical expenses when you or your passengers have an accident. It also pays expenses if you or your family are injured in someone else’s car.

Consider dropping this coverage if you already have health insurance. And if you don’t have health insurance consider getting it instead of carrying medical coverage on your car insurance policy.

Visit or click on the following link to receive free car insurance quotes from A-rated companies and get discount auto insurance rates. You can get more insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on car insurance.

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Car insurance premiums are calculated keeping in mind the risk factors. As is said Hope for the best but be prepared for the worst. Same, theory is used in determining the car insurance premium rate. The insurance company pays heed to how many customers are likely to make insurance claims depending upon their circumstances. The actuaries (a professional statistician who predicts future events based on number of events and probability of occurrence) try all sorts of permutations and combinations before determining the premium. They take into account the cost to be incurred in settling the claim, companys operating cost, funds to be placed in the contingent reserve, and taxes payable.

Factors affecting your car insurance premium:

Place where you reside: The place where you live is important. If you are residing in big city then the probability of accidents and thefts are high thus translating into greater premiums. Also, if you reside in a hilly area prone to earthquake or landslide then the risk of natural calamity is more and thus again the premium would be high. But, if you reside in low risk area then the premium would be less.

Your occupation: If your occupation demands a lot of driving and you use your own car for it then the car is mostly on the road and the risk of accident is high. In short, if you drive a lot then the premium would be on higher side.

Car type, model and make: The car model and make determines the risk factors associated with it. For example, SUVs would any day perform better in the collisions and hence the injury to the occupants and vehicle would be less severe. On the other hand, high end car models may incur more repairing costs and would cost more to insure.

Your driving history: It is one of the major factors in establishing your car premium. For example, if you have a clean record with no accident history you can get discounts upto 50% on your car insurance premium by the way of No Claim Bonus.

Your age: Age is also quite detrimental in deciding the premium. If you are young boy around 18 years then, you may indulge in high risk driving. Certain age brackets have to pay more premium that others.

You can opt for online vehicle insurance once you have calculated your premium by furnishing required details and have decided your insurance provider. The online vehicle insurance helps you get immediate policy issuance as it is a hassle-free and swift process.

Some people are hesitant to go in for insurance cover for fear of difficulties in settling their claims. This is due to the difficulty in understanding the legal terms associated with the claim and the stringent procedures to be followed to get the claim settled. There are certain compulsions in certain fields like that of car insurance. It is statutory requirement to go in for car insurance. Along with comprehensive car insurance it is mandatory to take third-party car insurance. So the moment you think of buying a car, the first and foremost pre-requisite is to buy a comprehensive car insurance policy to fulfill your statutory requirement so also to fulfill obligations towards third-party liabilities to overcome your financial security by seeking compensation for individual and third-party insurance, which at times may extend to lakhs and even tens of lakhs of rupees.

Settlement of Claims
Now to attend to your specific worries for settlement of claims! With a lot of facilities under competition offered by various service providers, regulated by government rules and regulations, your claims are in safe hands. But, firstly, there is no short cut to your going through the insurance documents thoroughly to follow for proper benefits at the needed hour. A resume of the procedure for settlement of claims promptly and satisfactorily is given hereunder.

Auto Insurance Claims
The moment you meet with a casualty and the claim becomes due, expeditiously inform your help line number provided by your insurance company. The companys call centre executive would help you expedite your claims. You can intimate your claim also through sms or email. Following may have to be furnished immediately while you intimate about your claim:

Policy Number
Name of Insured person
Contact Numbers and address of insured person
Vehicle number
Make and Model of car
Garage Name and contact details
Date, Time and place of accident
A resume of how the accident occurred
Approximate Extent of loss
Address and contact details of the individual intimating about claim
Whether it is Car Insurance claim
Whether it is self damage claim
Whether it is theft claims
Whether it is third-party claim

Online Car Insurance India
It is always better to opt for online car insurance (India). Online option pays much. It gives the choice of a good number of variants, with good quality, cost-effectiveness, efficiency and better choice for early settlement of claims. Call for some quotes, analyze them and choose the best option as per specifications.

When you commence a lookup for auto insurance coverage the ideal place to do it is on the internet. Working with auto insurance coverage price comparison internet websites will give you the opportunity to seem at a range of various businesses. It is genuinely easy to pull up rates from different auto insurance plan companies and review prices and policies. When you start your on-line search it will pay out to be prepared. Here are a handful of points to go about in advance of searching for a new policy on the internet. I do believe It will useful for you to find the best auto insurance that proper with your need.

If you are at present insured carry out your last bill and glimpse it above. It is crucial to know what kind of policy you presently have. You could want to simply call your firm and attempt to negotiate your rates. You can also get all of your questions answered so you will have more information heading in to a car insurance research. Some questions you may want to inquire is how you are insured and the breakdown of the costs.ts.

Preparation is the key. You will have to go by means of a lot of legal language in buy to recognize your insurance coverage policy. There are a number of facts involved in each person policy so make positive you comprehend all of them. Do not be afraid to ask questions, if you do not realize a thing it is vital to inquire. You could want to locate a trusted close friend or relative to speak to, this can aid you each function out the same concerns and they might know anything you do not and vice versa.

Soon after heading about your insurance plan strategy you will be a lot far more professional about the earth of insurance coverage. Look at features of your policy that you may well not want. Query your agent about why you have certain coverage and what it does for you. After you are assured in your understanding you can do an car insurance coverage charge comparison with a lot more self-confidence.

When hunting on-line you will find that the organizations will inquire you many concerns, but they are typically the very same. It might be sensible to uncover an automobile insurance plan charge comparison site that will give you charges from various organizations so you only have to fill out this details as soon as. Fill out the form honestly so you can get policies that you would really think about acquiring. If you are smart about acquiring quotes you just may come across that you can preserve some funds. Armed with details you will sense self-confident about your choice.

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