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How To Purchase Cars Car Insurance

Published at 02/09/2012 04:52:25


Buying car insurance is an easy task and anyone can do it. You will however need to know a few things before you pay for your cars car insurance. Whether car insurance is compulsory in your state or not, it is still important for you to have cars car insurance. You want to be able to claim from your insurer after an accident and it also helps you pay for third party damages and injuries. Below are some important steps you need to follow when you buy your cars car insurance.

Step 1

Firstly, you need to know the type of insurance you need for your vehicle. There are quite a number of car insurance products that you find on the market. What is important is to buy a product that is affordable and one that addresses your specific needs. Comprehensive insurance may seem to be an expensive option but it will cover both your car and that of the third party in the event of an accident. You can also choose to buy third party insurance but this will only pay for third party injuries and damages. Another option is to buy third part fire and theft; this again is a cheaper option but it is limited because it will only cover your vehicle if it is parked and not moving. There are other types of cars car insurance policies that you find on the market; the best thing is to let your insurance advisor help you.

Step 2

Once you know the kind of cover that you need for your car, it becomes easier to compare cover from different insurance providers. Use an online car insurance website to compare and choose the best option. When you compare prices, do not just concentrate on price only, look at policy limits and scope of coverage. Also look at the excess being offered by different insurance companies. In order to get more meaningful results, refine your search to your area.

Step 3

Make sure you know the value of your car when you purchase car insurance. If you are not sure get your car dealership to do a proper valuation for you. You can also get a private and independent evaluator to do it for you. Getting a true market value for your car is important because it will protect you from being underinsured. You must also know the year of make, make and model and all the features on your car. All these factors will be used rate your cars car insurance. Underwriters want to know how much your risk will cost them in the event of a claim.


Purchasing car insurance has never been easier thanks to the Internet. These days you do not need to go to the insurance company offices to purchase cars car insurance or to submit a claim. Every single process is done online, from price comparison to purchasing. Thus buying cars car insurance is convenient as long as you have all the required information. Anyone can buy cars car insurance as long as they know how to read and write.

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