1 Sorting Through The Types Of Car Insurance Can Get You A Better Deal

Types of car insurance are more varied than you may realize. Aside from the standard categories, there are many other specifications that can be used to tailor your policy to your needs. In fact, with the options currently available on the market, it is easier than ever to personalize your auto insurance.

Your choice of insurance can have a significant bearing on the amount you pay, so it is important to consider all of your options and make an informed choice. That can be done by consulting online insurance comparison services, where everything is spelled out for you and you can even get instant quotes from all the major insurers.

Each insurer will have a different approach to tailoring your policy but all of them start with the basic types of coverage. These include Comprehensive, Collision, Casualty, Liability, Full Coverage and Commercial. You can then add on other types of coverage to personalize your policy even more.

While choosing between types of car insurance is generally up to the driver, most states require a minimum amount of liability coverage. Some states may require more and that's another thing you'll have to determine before you can start to put together your policy. You need to make sure that you've met the state requirements before worrying about what extra coverage you might want.

In general terms, Casualty, Liability and Collision all cover the damages incurred in an accident if it is deemed to be your fault.

Comprehensive coverage covers damage to your vehicle caused by other, non-accident related happenings such as attempted theft, weather and vandalism. Full Coverage can incorporate a combination of any or all of these, depending on the individual insurer. Commercial coverage is for vehicles driven for business purposes.

Once you've chosen from the basic types, you may also opt for extras, including gap coverage, which covers the difference between the amount you owe on your vehicle and its actual value. Medical coverage can help to cover injuries sustained in an accident that aren't covered by the deductible on your personal health insurance. And Car Rental Reimbursement will cover the expense of renting a car should that become necessary.

Other types of car insurance extras include Underinsured Driver and Uninsured Driver, which can give you extra piece of mind should you be involved in an accident. Underinsured helps cover the excess when the at fault driver doesn't have enough insurance of their own and Uninsured will cover all the expenses should the at fault driver not be insured at all.

It may seem like a lot of information to digest, but fortunately, there are many websites that can help you weed through the auto insurance jungle. That way you'll be able to end up with exactly the coverage you need at a price you can afford. So don't let the insurance shopping process put you off; do your homework today and take charge of your car insurance.

Author's Bio:

Ian Wright  is passionate about helping people lower their insurance premiums, which is why he founded InstantCarInsuranceOnline.com where people can get free quotes for car insurance. If you'd like to save money on your car today consider giving Ian's site a look.