If you are embarking on a plan to get car insurance for your new or used vehicle, you may not be sure just what kinds of coverage you need to get in order to be properly protected. Here are some questions you can ask yourself to decide what you need to purchase in a car insurance policy.
What condition is your car in?
The answer to this question will help you decide how much collision coverage you need on your car. Collision auto insurance is the coverage that takes care of repairing or replacing your car if you are in an accident.
If you have a newer car, or a very special older car (such as an antique), you may want to have a higher level of collision car insurance on that vehicle. You want to know you can replace or repair the car were it to be damaged or totaled in an accident.
If you have an older car that mainly does it's job of getting you around, you may want to go easy on the collision insurance and save the extra money to buy another car if you should need to.
Are you in a no-fault state?
While you may think you are a safe driver and you won't be responsible for any damage to your car, you need to know if you are in a no-fault state. If you are, that means your insurance will have to pay for your car's damage even if the accident was not your fault. In this case you will need to make sure your comprehensive insurance is enough to pay for the replacement of your car were the worst to happen.
What amount of medical coverage do you need?
If you regularly have people in your car, you will want to make sure you have medical coverage for passengers worked into your auto insurance policy. If, however, you are alone and almost never have anyone else in the car with you, you may be able to limit this type of coverage and save yourself a couple of dollars on your car insurance premium.
Are you insuring more than one car?
If you have more than one car that needs auto insurance, you may be able to save some on the overall cost by having all of your cars insured by the same company. Most companies offer loyalty discounts for having more than one policy with them.
by Stephen Sikess(http://www.insureditall.com/)
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