In continuing from our last discuss on liability car insurance policies, where we looked at bodily injury liability cover and property damage liability cover.
We would now continue by looking at collision car insurance policy.
If you are involved in an accident and you are the cause of it, collision auto insurance coverage that pays for the damage to your car.
The damages paid would be depending on the prevailing market value of your car.
You are also covered if you hit a stationary vehicle, a lamp post or any other such accidents.
Collision is very important to you to make sure your car is always covered which is why if your car is financed, your financier would most likely insist on collision auto insurance coverage.
This type of coverage is of course not mandatory by any laws.
It is your decision if your car is important enough for you to want to have it covered.
There are some factors that affect the rates we pay on our car insurance policies.
These include: The brand of car, the age of the car, your age, driving record and where you car is parked at night.
Other issues that can still affect your rates are the mileage you cover( the more the more your rates), the safety devices in your car ( the better the lower your rates).
There are more issues that can affect your rates you just have to keep learning.
To really save more like I said last time, it is highly important for you to compare quotes at free quotes comparison sites.
When you compare quotes, you are able to make decisions based on tangible information you have which are the quotes from several insurance companies.
For best results, be sure to visit up to 5 comparison sites.