What should you know before car insurance

Before purchasing car insurance, there are several important things you should know to make an informed decision. Here are some key factors to consider:

Types of Coverage:

Liability Coverage: This covers bodily injury and property damage you might cause to others in an accident. It’s usually mandatory and required by law in most places.
Collision Coverage: This covers the cost of repairing or replacing your own vehicle after an accident, regardless of fault.
Comprehensive Coverage: This covers damage to your vehicle caused by non-collision incidents such as theft, vandalism, natural disasters, etc.
Personal Injury Protection (PIP) or Medical Payments: This covers medical expenses for you and your passengers, regardless of fault.
Uninsured/Underinsured Motorist Coverage: This covers expenses if you’re in an accident caused by a driver who doesn’t have enough insurance or no insurance at all.


A deductible is the amount you’re responsible for paying out of pocket before your insurance coverage kicks in. A higher deductible usually results in lower premiums but means you’ll have to pay more if you make a claim

The premium is the amount you pay for your insurance coverage. It can vary based on factors such as your age, driving history, location, type of car, coverage options, and more.

Factors Affecting Premiums:

Your driving record (accidents, tickets, violations)
Age, gender, and marital status
Type of vehicle and its safety features
Where you live (urban vs. rural)
Annual mileage
Credit history (in some places)
Coverage limits and deductibles
Comparing Quotes:

It’s a good idea to get quotes from multiple insurance companies to compare prices and coverage options. Online comparison tools can be helpful for this.

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