How to Insure Your Car: A Step-by-Step Guide to Buying the Coverage You Need

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How to Insure Your Car: A Step-by-Step Guide to Buying the Coverage You Need (Photo: @m_pawaii via Twenty20)
Car insurance is an essential aspect of owning a vehicle. With the exception of New Hampshire and Virginia, car insurance is mandatory in the United States. Not only does insurance keep you from financial burden if you damage another vehicle or driver, but it can keep you and your car covered in the event that something happens to you.
Of course, if owning car insurance is pivotal, then purchasing car insurance is highly important as well. Purchasing car insurance isn’t quite as simple as calling up an auto insurance provider, giving them your credit card number, and being done with it. It’s important to find the right car insurance policy for you, both in terms of coverage offered, and price that you have to pay. That said, buying the perfect coverage for you is a relatively straightforward task, so there’s no need to be scared about purchasing a car insurance policy.

How to buy insurance for your car

Step 1: Choose your policy: Determine what type of car insurance policy is right for you
The most important part of buying auto insurance is figuring out the type of coverage that is the best fit for you. Liability coverage is the most basic form of auto insurance, and covers the cost of damage (to other vehicles or property), and personal injury to other people if you are responsible for an accident. Liability coverage does not cover damage to you or your vehicle, but keeps you from being stuck with a gigantic price tag for someone else, if you cause an accident.
Collision coverage also covers your vehicle if you’re in an accident, even if no other vehicles are involved. Whether you collide with another car, or drive into a telephone pole, collision coverage takes care of your vehicle damage.
Comprehensive coverage takes care of your vehicle when it is damaged due to factors other than collisions, such as vandalism, storms, and falling objects. For the most insurance providers, hitting an animal also falls under comprehensive coverage, rather than collision coverage.
There are other supplemental pieces of insurance that can be purchased depending on your needs, but choosing between these three main types of coverage is the most important aspect.
Step 2: Gather your details: In order to get a quote, you’ll need some information. The make, model, and year of your vehicle factor into the cost, as does the mileage on your vehicle, and your driving record.
Where you live plays a large role, and the amount of miles you drive can impact your rates. Gather all of this information before getting a quote.
Step 3: Shop around: Get quotes from multiple insurance providers.
Now you’re ready to shop around. Don’t simply call one or two insurance providers, and then buy a policy. Instead, shop around to make sure you get the best rates. Some insurance companies may offer discounts or incentives that you qualify for, so it’s always important to do your due diligence.
You can get a quote by calling an auto insurance company, though most of the time you can also simply visit their website, plug in your information, and get an instant quote. Once you find the rates and coverage that are best for you, you’re ready to purchase your auto insurance!
Purchasing auto insurance isn’t too complicated, but it is important to be thorough. Having the right coverage at the right cost can save you a lot of money, so never settle when it comes to shopping for car insurance plans.