The Definitive Guide To Buying Your First New Car

Coverage Needed

When applying for car insurance, you will be asked the types of coverage you will need. This will include coverage for:

 Accidents

 Bodily injury

 Collision

 Uninsured motorists

 No-fault insurance

 Comprehensive insurance

 Theft

You should read about each of these categories and figure out how much money you will need in order to be covered in case there is an accident. The more coverage you need, the higher your premium will be.

If you are uncomfortable about choosing the right amount of coverage, you should call an insurance company and get a quote. Customer service representatives can answer any questions you may have. Some states, for example, offer no-fault coverage, while others do not. No-fault coverage means that both parties agree that it was no one’s fault and cannot sue one another later on in court.

Where The Car Will Be Housed

This is an important question that may save you money. If a car is housed in a garage or in a covered parking lot, you may see a reduction in your premium. If it is parked on the street or open parking lot, you may not see any difference in the premium or depending on where you live, it may increase slightly.