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What Car
Insurance Do You Need?
When purchasing car
insurance, many questions come up as to
what you need and what you may not need.
Some of it is personal preference such as
roadside assistance or rental car
reimbursement in case of an accident, etc.
However, some of it is mandatory and it is
good to know exactly what it is you need
before you head out to the insurance
agency.
For starters you must have Liability
Insurance which is mandatory for every car
on the road. This way if you hit someone
or are involved in an accident, you will
be able to take care of the damage that
you have caused. You can get as little as
you like, but remember, if you don’t have
enough they will be able to come after you
for the remainder of what they need.
Vehicle Damage Insurance however, is not
mandatory depending on your car. If you
have a lien against your car, they will
require you to have the insurance.
However, if you don’t and you owe the car
outright, depending on what the vehicle is
worth, it may be in your best interest to
not carry it. But, if you are in can
accident and you are at fault, you will
have to pay to fix the car or replace it.
They will ask you if you want to add other
insurance policies like life or
disability, again, these are optional and
you do not have to take them. But,
remember to read all of the fine print
before signing any sort of agreement, and
make sure that it is completed in full
before you sign. Comparison shop as well,
for some auto insurance agencies are
better priced than others depending on
your situation.
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