| Good coverage and affordable auto insurance is | | | | - Are landslides or soil erosion frequent? If the |
| difficult to find. Cars are valuable investments and to | | | | answer to first question is yes, then you might not |
| most it is a necessity to own at least one. There are | | | | need auto insurance at all. If no, then, the succeeding |
| many risks involved in owning a car. The risks could | | | | questions should be qualified to determine the need |
| become expensive in many situations. Accidents are | | | | for insurance against possible risks. |
| the situations that just happen that's why it's called | | | | In places that are frequented by passers-by and |
| accidents. They can not be foreseen, that is why | | | | pedestrians, the need for auto insurance on bodily |
| there is insurance for the unforeseeable future. What | | | | injury and property damage is definitely there. Be |
| can be seen is what we have available and possibly | | | | sure to get the best upper limits coverage per |
| get the least cost of auto insurance. | | | | person bodily injury, per accident bodily injury and per |
| To help look at auto insurance in a better | | | | accident property damage. This would allow for a |
| perspective, some resources need to be tapped. A | | | | maximized coverage for a reasonable premium rate. |
| relative or friend could be in the automotive insurance | | | | For the third to the eighth question, the auto |
| industry. Needless to say, they are prospective | | | | insurance for this should be sufficiently covered by |
| resources that could provide auto insurance that | | | | Comprehensive and Collision coverage. This type of |
| would fit the budget. Always value the vehicle fairly. | | | | coverage encompasses all damage or loss that could |
| It will cost more in premiums if it is over priced for | | | | happen to the car. Be it stolen or declared as a total |
| exactly the same models in the market. Analyze the | | | | loss without a need to determine fault. Also, for this |
| risks surrounding the areas where the car is | | | | coverage, an option is given for a deductible. The |
| frequently or passes through, and ask these | | | | deductible is an amount the assured will be liable for |
| questions: | | | | and the rest will be the liability of the insurance |
| - Is your car parked safely in secure place most of | | | | company. For example, a deductible of say $200.00 is |
| the time? | | | | increased to $500.00, will result to a considerably |
| - Are there many pedestrians or people along the | | | | lesser premium rate. Of course this depends on the |
| streets? | | | | frequency of running into minor accidents. If damage |
| - Do you frequently pass accident prone areas? | | | | or repairs for minor accidents do not go beyond |
| - Is your car frequently borrowed or driven by other | | | | $500.00, then it is better to opt for the $200.00 |
| people? | | | | deductible. In this way, for a repair or damage of |
| - Is there a high incidence of cars being stolen? | | | | $500.00, the insurance company will be liable for the |
| - Is the car like the make and models of those | | | | $300.00. Assessing things in this manner will definitely |
| frequently stolen? | | | | help out in liability and premium economics. That |
| - Are there many vandals or street fights? | | | | would be saving in one way or the other. |