When buying insurance for your car, there are a variety of factors to consider. The state minimum requirements for auto insurance coverage vary by state in which you reside, for example, in the State of Colorado, where I currently works as an insurance agent, the minimum requirements for coverage Automobile insurance is 25/50/25, which deals with bodily injury liability limits. This is reflected in the $ 25000 per person, $ 50000 per incident and $ 15000 for property damage. Keep in mind that these are the limits bare minimum required by law. I recommend carrying more than bodily injury and liability / property damage coverage. If you cause a multiple car pile-up, or even cause an accident where a few people are injured, chances are that you cause more damage than you might think. The additional premium you pay more for coverage is quite useful (and this comes from someone who is very conservative when it comes to spending money).
Full coverage and collision
It is also important to consider what the deductible amounts of work for your used car. It is important to keep in mind that most are your franchise, the lowest amount of your premium for this year. In addition, there are two types of franchises: comprehensive and collision. Full refers to any damage caused to your vehicle by acts of vandalism, acts of God, hit and run, and tackle an animal. Collision has to do with actually hitting another vehicle on the road. Comprehensive claims do not affect your future insurance premiums, but collision claims do have negative effects on future premiums. So I think you should have a lower overall franchise, and greater openness collision. My personal auto policy has a coverage of $ 100 and $ 1000 collision. Also, the glass is covered by the franchise overall. Some insurance companies have a $ 0 deductible for glass coverage, so ask your agent about this.
Pre-owned vehicles worth less than $ 2000
If your utility or more car is not worth more than $ 2000, then cover it with liability insurance only. In this way, you do not pay for a franchise in the event of collision, it would cost you more to pay the franchise that the vehicle is actually worth. However, do not forget liability for personal injuries coverage, because it could cover you if you are at fault in an accident. If you offend someone, you can not pretend that you are beaten and do not cover you still pay for injuries or property damage, whatever.
Full coverage and collision
It is also important to consider what the deductible amounts of work for your used car. It is important to keep in mind that most are your franchise, the lowest amount of your premium for this year. In addition, there are two types of franchises: comprehensive and collision. Full refers to any damage caused to your vehicle by acts of vandalism, acts of God, hit and run, and tackle an animal. Collision has to do with actually hitting another vehicle on the road. Comprehensive claims do not affect your future insurance premiums, but collision claims do have negative effects on future premiums. So I think you should have a lower overall franchise, and greater openness collision. My personal auto policy has a coverage of $ 100 and $ 1000 collision. Also, the glass is covered by the franchise overall. Some insurance companies have a $ 0 deductible for glass coverage, so ask your agent about this.
Pre-owned vehicles worth less than $ 2000
If your utility or more car is not worth more than $ 2000, then cover it with liability insurance only. In this way, you do not pay for a franchise in the event of collision, it would cost you more to pay the franchise that the vehicle is actually worth. However, do not forget liability for personal injuries coverage, because it could cover you if you are at fault in an accident. If you offend someone, you can not pretend that you are beaten and do not cover you still pay for injuries or property damage, whatever.
