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Looking for comprehensive car insurance? Here's how to get the best rate with a top company. Comprehensive Car Insurance Comprehensive car insurance coverage pays to repair your car when it's damaged by anything other than a collision. This includes damage caused by vandalism, theft, fire, flooding, hail, or hitting an animal. To lower your car insurance premium, increase your comprehensive deductible up to an amount you can afford to pay. Increasing it from $250 to $1,000 can save you up to 20% on your yearly premium. This also prevents you from filing too many claims which can cause your insurer to cancel your policy. Other Coverages Bodily injury liability coverage - This coverage is required in most sates. It covers you if you injure or kill someone else while driving your car, and pays your legal fees of they sue you. You should have enough liability coverage to protect your assets in the event of a lawsuit. Personal injury protection - This coverage pays you and your passenger's medical expenses when you're involved in an accident. It also covers you if you're walking or riding a bicycle. You may not need this coverage if you have medical insurance. Collision coverage - This coverage pays to repair your car when it's been damaged in an accident, no matter whose fault it was, or damaged by an object. To lower your premium, raise your collision deductible up to an amount you feel comfortable with. Increasing it from $250 to $1,000 can save you up to 25%. If you drive an older car you may want to drop this coverage altogether, especially if your car is worth less than the amount of your premium plus your deductible. Uninsured motorist coverage - This coverage pays for damages to you, your passengers, and your car caused by an uninsured, underinsured, or hit-and-run driver. Because more than 15% of the population drives without insurance coverage, and hit-and-run accidents are on the rise, this is good coverage to have, even if you live in a no-fault insurance state. Get the Best Rate on Car Insurance Getting the best rate on car insurance is simply a matter of comparing rates from a number of different companies. Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on comprehensive car insurance.
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