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Car insurance rate Quote : Car insurance becomes essential after purchasing of car and hence it is beneficial for the consumers to get the car insurance rates. More on Car insurance rate Quote>>

 

Car insurance average rate : Car insurance becomes essential after purchasing of car and hence it is beneficial for the consumers to get the car insurance rates. More on Car insurance average rate >>

What is auto insurance, and why do I need it?

Nowadays auto insurance is the ideal way to ensure a good life for yourself and your expensive vehicle. Auto insurance keeps safe your huge amount of money spent on your automobile. But on the same hand, auto insurance is also quite expensive.

However there are different types of auto insurance policies available today. It is at an individual's discretion which policy he can afford to adopt.

 

1.Fully Comprehensive Auto Insurance Policy Types- though this policy is the most expensive one yet it is the most widely adopted type of auto insurance. This is so because the insurance provides compensation or covers all sorts of cases such as theft, accident, wear and tear etc. If unfortunately an accident occurs where you were not at fault while the other driver who did the accident does not disclose his and his insurance details; you ought not to worry. For being a policyholder of the fully comprehensive program, you can register an insurance claim against your insurance company. But while taking this policy one essential thing should be borne in mind. There are a few auto insurance companies that do not insure your vehicle 100% of its value but of 80% or so. Even though many companies defend their policy as a measure to prevent themselves from fraud cases etc. yet try your bets to find the agency that insures your vehicle100%.

 

2. Third Party, Fire and Theft- this type of insurance is basically meant for those car owners who have had finished their car loans but still admire, cherish their car and have great sentiments attached to it. This policy is somewhat akin to the fully comprehensive one but not identical to it. For like the latter the former covers cases of theft, accident, fire etc. but in case of an accident you can receive compensation only when you were at fault and had hit another car. So if any other car hits yours or you by mistake bang t in the garage, the insurance company will not come to your financial aid.

 

3. Third Party Insurance- it is the insurance that is the cheapest of all and covers only cases of accident where you were at fault and hit a third party. The insurance company is not to be contacted in case of any other mishap with your vehicle. This insurance policy is generally preferred by those who own an old and less pricey car or any other vehicle.

 

4. Specialized Car Insurance- is basically for cars categorized as classic, those that are 25 years old. These cars are insured as classic and so accordingly they have their requirements and services. The classic car insurance policy can be said to be as good as the comprehensive one but the only drawback associated with it is that it limits the policy taker to a limited number of road miles he can drive in any given year.

 

Ultimately it is at the discretion of every individual which policy he desires to take. It is advisable to sort out one's requirements and budget and also make a survey of the auto insurance policies in the market before actually grabbing apolicy.

Cheap car insurance rate

It is not necessary that the company giving cheap car insurance rates will be a big company or a good and reputed insurance company. So the consumer must gather all the required information More on Cheap car insurance rate >>

Online Car Insurance rate

Online car insurance quotes are very popular with consumer since it is fast and reliable and it can get quotes from different companies at a single time. More on Online Car Insurance rate>>

Business Car insurance rates

Vehicles used in business are called business car .for example privates passenger cars,pickups cars,light vans and sport utility vehicles. More on Business Car insurance rates>>

Car insurance comparison rates

Generally people are made to pay too much for Car insurance and hence it becomes little difficult to save some money with it. There are some companies. More on Car insurance comparison rates>>