4 Things You Should Know When Buying Auto Insurance

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American TriStar Insurance
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• 4 Things You Should Know When Buying Auto
  Insurance

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• Everyone has auto insurance, if for no
  other reason than we are required to in order to
  own and operate a vehicle. However, many people
  fail to investigate their insurance options and
  coverage properly. Rather, they look for the
  cheapest rate with the state minimum coverage.
  This can leave you in financial bind if you were
  to be involved in an accident.Here are four
  critical things you should know when purchasing
  auto insurance,

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• 1 Understand The Difference Between Tort and
  no-fault Systems

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• This is important because it will shift what
  you need for your coverage. In no-fault system,
  your insurance coverage is primary for you, your
  property and occupants of your vehicle. In tort
  system, your insurance covers both you and other
  party if you are found to be at fault. Keep in
  mind, that even under no-fault system, if damages
  or injuries exceed the legal threshold, this may
  result in legal action brought by the party who
  is not at fault. Ensuring you have enough
  coverage is very important in these cases.

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• 2-How Is Your Rate Determined?

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• Insurance companies use many factors to
  determine the level of risk for them for
  extending insurance coverage. These factors
  include
• Your driving record.
• The geographic territory where your car is
  parked, such as urban or rural areas.
• Your gender and age.
• Your marital status.
• Prior insurance coverage.
• How much you drive, and for what reason.
• The specific car you drive, including age, make
  and model.

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• 3-Explore Your Discount Options

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• There are many ways to get discounts from
  insurance companies and to reduce your premium
  payment. Be sure you explore your discount
  options while you are shopping for the best
  coverage and rates. The common discounts include
  insuring multiple vehicles or having multiple
  lines of coverage with the same company, taking
  driver education courses, having good grades as a
  student, have additional safety devices such as
  optional airbags, having anti-theft devices,
  maintaining low mileage on your vehicle, and have
  a good driving record.

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• 4-Ensure You Have Enough Coverage

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• Many motorists are heavily underinsured,
  although they meet the state minimums. When you
  consider that a serious accident, which may or
  may not be your fault, can easily result in
  60,000 or more in just medical expenses for one
  person. In most states, the minimum coverage is
  in the range of about 20,000 per person and
  40,000 per accident. That means you are left
  with personal medical bills of 40,000, plus
  personal liability for other injuries if you are
  at fault. The cost for incrementally increasing
  your coverage is worth staying out of bankruptcy
  court.Auto insurance can be something that
  really helps in the event of a major accident. Be
  sure you carry adequate coverage, you maximize
  your coverage for your costs, and that you
  understand what your policy will cover.

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