Ten tips on how to get the best deal

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Best Car Insurance
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TEN TIPS ON HOW TO GET THE BEST DEAL ON BEST CAR
INSURANCE With the high cost of gasoline
nowadays, most new drivers think twice of getting
car insurance. Driving without any best car
insurance is a very big risk. Most drivers might
think that car insurance is way too expensive,
but in the long run it may save you a lot of
money.
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Take for instance this example, if you are in a
car accident it may cost you thrice the amount
you might have paid for a car insurance to cover
for hospitalization and for buying yet another
car. Plus without car insurance you will be
paying police fines as well as paying for
suspended licenses. A total of 47 states require
some kind of insurance for your car. It would be
wise to know the basic law covering car
insurance. Here are ten tips you can refer to on
how you can get the best deal on car insurance.
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1. Know the different types of car insurance policy
   the first thing to know in buying car insurance
   is to understand the different policies they
   offer. Choose a policy or policies that would
   best suit your needs.
2. Liability - This policy covers physical injuries
   and damages to property. This includes paying for
   hospitalization and other medical expenses.
   Damage to property includes vehicles and other
   tangible property that might have been damaged
   during the accident.

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Liability also includes expenses for court
proceedings if the vehicular accident requires
one. Collision This policy covers any damages
if your vehicle is crashed to another vehicle,
lamp posts, house or any another objects.
Comprehensive This policy covers damages
caused by natural disaster like flood, storm,
hail or wind. This also includes damages by theft
or vandalism.
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Medical Coverage Medical expenses are covered
by this policy not considering if the cause is a
vehicular accident or not. Personal
Injury. Protection (PIP) - A personal insurance
of the driver. This policy covers for medical
expenses and treatment caused by an auto incident.
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Uninsured Motorist If by chance you are hit by
an uninsured driver, this policy covers the
damages done to your vehicle. Underinsured
Motorist This policy will cover the remaining
cost for repairing your damaged car if ever the
incident is caused by an insured driver with
inadequate liability insurance.
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Rental Reimbursement In case of a damaged car
due to a vehicular accident, this policy will
give a daily allowance for rental fee. 2. Know
your credit rating In most states, credit rating
has always been the number one factor affecting
car insurance rates. Be sure you have a copy of
your credit report and check its accuracy and
immediately contest any erroneous information.
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3. Motor Vehicle Report (MVR) you can get a copy
of your Motor Vehicle Report in your respective
Department of Driver Services or Department of
Public Safety in your state. A three year record
may cost you 5 and a seven year record would
cost you 7. Like credit reports, verify that all
information are correct. 4. Accident Reports you
can get a copy of your Motor Vehicle Accident
Report from the local police department. It may
take around six weeks before you can receive the
detailed report. You might need to pay a higher
car insurance rate if you have reported accidents
within the last eighteen months.
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5. Scout for a good insurance package there are
some insurance companies that are offering
multi-vehicle discounts. You would get a lower
rate if you have two or more vehicles that you
want to get insured. Also, you can get a good
deal from one company that packages all their
insurance policies, including home and health
insurance. 6. Check out various discounts most
insurance company offers a discount to drivers
over 55 years of age. It always pays to be a good
student you can get a student discount if you
have a3.0 point average or higher.
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7. Obtain a Driving Safety Certificate It is
common for car insurance companies to give
certain discounts to those who finish a safety
driving course with a very good standing. 8.
Check the model of your car Insurance rates can
be different from vehicle to vehicle. A fancy car
will obviously have a higher rate than an older
model. 9. Take advantage of added features be
sure you are receiving lower rates for safety and
security features like antilock brakes and air
bags.
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10. How much are you willing to pay best car
insurance choose the option where you can handle
the down payment and the monthly paying scheme.
Compare other insurances prices before
purchasing one. Source http//car-insurance-onli
ne-in-india.blogspot.in/2016/08/ten-tips-on-how-to
-get-best-deal-on-car.html
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