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Deciding on a Car Insurance Plan

Deciding on a Car Insurance Plan common misconceptions flows through many of individual’s brains that one either must either one must find the bare-bones, cheapest car insurance quote and hope they never get in an accident to save money,or get full coverage insurance to completely protect their vehicle in case of an accident to play it safe. Now either one can be true at one point or another, but in actuality it may be best to find a happy medium between the two. Deciding on a car insurance plan

For example, if you consider your self a fairly safe driver and extremely cautious, you may want a combination insurance which gives you Uninsured Motorist, bodily injury liability, collision and comprehensive. This particular combination protects you from bodily injury costs, vehicle repair costs, keeps you safe from lightning or a broken windshield and protects you from uninsured motorist. To top it off one should always keep a towing package as well. Towing packages are often extremely cheap and provide affordable peace of mind when towing is needed.

Looking further in to your individual car insurance needs you may need more or less than this and each small decision you make can raise or lower you premiums or protect you more or less from long-term costs.

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Here is a breakdown of basic types of car insurance to help you decide on which type of car insurance is best tailored to your needs:

1. Uninsured Motorist

This is a must. In most cases it is required that you to at least carry this type of insurance in case of the other driver driving illegally without car insurance. This protects you in case you cannot pay for damages out of pocket.

2. Bodily Injury Liability

This is also a must. This type of insurance is required protect against injury to those who you may have injured in an accident.

3. Property Damage Liability

This type of auto insurance protects the property of third-party individuals whose property may have been damaged by an accident.

4. Physical Damage

This type of insurance protects you against physical damage your your vehicle. There are two types, Collision and Comprehensive. Collision covers your vehicle in case of an accident. Comprehensive covers you when a collision is not involved, ie. a broken windshield or a tree falling on your vehicle during a storm.

5. Medical

This type of insurance covers medical payments to you and anyone else involved in an accident in your own vehicle.

In addition to these, insurance companies often provide other smaller add-ons in which the vehicle owner may find valuable, for instance towing. Through understanding what is available and what options you may have, you can get the exact type of insurance that is right for you and save money, time and peace of mind.

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