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Auto insurance is an essential expense that at best can be minimized but cannot be totally done away with. With costlier, faster and powerful vehicles on the roads, and enthusiastic youngsters at the wheels, damages are but natural. However, accidents may be less fatal, given the advanced safety mechanisms on the latest car models.

There are several factors that determine the price of a car insurance. The age of the driver, condition of the vehicle, the type of vehicle, distance covered, geographic location, etc. being just a few of them.

Accordingly, the extent and type of cover is chosen to protect the car from possible risks under the given aspects. The car can be secured against:

  • Collisions: This type of cover compensates for damage to the car in the event of collision, claim being limited to the book value of the car.
  • Medical Expenses: Pays for treatment for occupants of the car which is involved in the accident.
  • Uninsured Motorist Cover: Covers for injuries caused by uninsured drivers, who often flee the site of collision.
  • Comprehensive Damage: Compensates for loss or damages caused by perils other than collisions. Natural calamities, fire, theft, vandalism are covered as part of this head.


By virtue of the high expenses associated with collisions and comprehensive damages, both these types of covers demand a deductible, a portion of the insurance premium paid up in advance to meet any eventualities. High deductibles usually work in favor of the car insurance policy holder, cutting down on the monthly premiums on the policy.

Depending on the laws prevalent in different states and different insurance providers, the scope of cover of the basic car insurance may actually vary. While the above options compensate the car owner for the damages and injury caused by other motorists, liability schemes serve to compensate for claims raised against the car owner as well.

Injury liability cover helps car owners to pay up for any injuries, death caused by their vehicles. Legal expenses involved in settling such cases are also reimbursed.

Property damage liability, on the other hand, serves to settle any claims on damage caused by the vehicle to public or private property. Liability cover is mandatory in most of the states in the US.

Ultimately, finding the best car insurance coverage that suits your individual driving needs can take some time, especially if you have never purchased auto insurance before.

However, it can be very convienient when you factor in the hundreds to thousands of websites that provide information on this subject, and in many instances, you’ll be able to find the best quotes as on car insurance as well, by simply doing a quick Google search.

XYZ is a professional copywriter, with a keen eye for the latest trends and technologies in the world of automobiles and mobile devices. Apart from his love for automobiles, he also specializes in fitness, health, lifestyle, and fashion. XYZ completed his business degree from the University of Wisconsin-Platteville and currently helps a cash for junk cars company market there website online.