Full Coverage Auto Insurance
Most people think that full coverage auto insurance refers to just collision and comprehensive coverage, but it actually refers to the following coverages:
Bodily injury liability coverage - This pays for your legal fees and claims made against you when you injure or kill another person. This also covers family members living with you and anyone driving your car with your permission.
Collision coverage - This pays for repairs to your car when you re involved in an accident no matter who was at fault, or when you hit an object.
Comprehensive coverage - This pays for repairs to your car when it s been damaged by fire, vandalism, theft, or storms.
Personal injury protection - This pays for your and your passenger s medical expenses when you re involved in an accident. This also covers you and your family members when riding in another car or walking.
Property liability coverage - This this pays for your legal fees and claims made against you when you damage another person s car or their property.
Uninsured motorist coverage - This pays for damage to your car or injuries to you or your family members caused by an uninsured, underinsured, or hit-and-run driver.
How to Get the Best Rate
In order to get the best rate on full coverage auto insurance you need to:
1. Raise your deductible - Raising your deductible (the money you pay toward a claim before your insurer will pay) can dramatically reduce your premium. For instance, raising it from $250 to $1,000 can reduce your premium by up to 50%.
2. Get discounts - Insurance companies offer numerous discounts such as good driver discounts, low mileage discounts, senior discounts, safety features discounts, security device discounts, multiple policy discounts, and a host of others. Ask your insurer about all the discounts you re eligible for and include them in your policy.
3. Compare rates - Because insurance rates can vary by hundreds of dollars from one insurance company to the next, comparing rates from different companies and choosing the best rate will save you the most money.
Visit http://www.LowerRateQuotes.com or click on the following link to get full coverage auto insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get cheap full coverage auto insurance rate quotes.
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