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Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional. It may come as a surprise, but getting married can get you an auto insurance discount, especially if you are a male less than 25 years old. There have been people that have saved around 40% after they got married. So, if you are thinking of tying the knot, saving on insurance may be one more incentive to do so. You must understand the various coverage types when buying car insurance. There is more involved in the cost of your insurance policy, than just the number of cars you have covered. Bodily injury liability covers legal costs, death and injury claims if you were to hit someone. Armed with a list of available discounts, mark off the ones you qualify for and total up how much you stand to save. You might be surprised at how much you can save by claiming discounts. Coverage beyond the legally required minimum is always an option. You will have a higher premium with these, but they may be worth it. For example, if you get uninsured motorist insurance, you are protected even if the other party involved is illegally driving without insurance. You can find a statistic called the "consumer compliant ratio" on the insurers in your state. These statistics compare the number of complaints issued by consumers against particular carriers. Drivers who have a short commute, or drive infrequently, can qualify for a discount on their insurance. To be eligible for this discount, you typically have to drive less than 7,500 miles per year. If you use public transportation for getting back and forth from work, this may mean you qualify for a discount as well. When you buy car insurance, remember that only the person named on the policy will be insured unless otherwise specified. Many drivers lend their car out to a friend, only to find that the friend's accident is not covered because they were not listed on the driver's policy. There are coverage options that insure only the car itself, rather than a car/driver combo, but you have to pay extra for these types of policies. Stay away from sports cars. Insurance is more expensive for sports cars. Purchase a car that is more low-profile. Vehicles with larger engines are more expensive to insure. Sports cars are more expensive to insure since they are stolen frequently. Many factors are looked at to determine your auto insurance rates. They will consider such things as your family status, your age, your gender and your driving record. It pays to educate yourself on the factors that can influence your rates, so you can recognize if a quote you're given while comparison shopping is high, low or reasonable. Using the tips and information that you learned from this article, and have another look at your policy. Checking your policy using the guidance above will help you make sure that you are not paying for coverage that you don't need, but protecting yourself with the kind of coverage you do need.
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