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  What level of coverage is right for you? Get a free quote and save.      
 
Auto Quick Quote from Answer Financial. (US) Receive fast, free auto quotes from Esurance.(US) Get a free quote from Kanetix today! (Canada)
   
       
         
  There are three basic types of automobile insurance: liability, collision and comprehensive.      
       
  Liability    
 
In most states this is the only required insurance for a driver. It covers bodily injury and property damage to others in the event that you are to blame in an accident resulting from the ownership, maintenance or use of your car. (Should you be involved in an accident in which you are not to blame, the other party's insurance will cover you, or so the theory goes.) Different states require different amounts of liability. Check with your state's Insurance Department to determine the amount.
   
         
  Collision
     
  This type of insurance covers your vehicle during an accident.      
         
  Comprehensive      
 
This insurance covers your car for damage to the policyholder's car that doesn't involve a collision with another car, such as theft, fire and vandalism, among other things.
   
     
  Maximizing Coverage      
  Now, how can you maximize your coverage, minimize your expenditures and make sure you have quality insurance? Here are some tips to do all those things.    
         
 
  • Know what you need and what you have. Determine for yourself what you need and want from a policy.
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  • Shop around. You are the most important consideration in buying insurance. Play agents against one another to find the best price for the policy you want.
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  • Make certain the company underwriting your insurance is reputable. IBSTS Group's insurance may be perfectly solid but consult consumer agencies to make certain.
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  • Ask about discounts.
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  • Take the highest deductible you can afford. The higher your deductible, the lower your payments.
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  • Consider buying a vehicle that insures at a lower rate. A new BMW and an old Sunfire do not insure at the same rate.
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  • Weigh the effect of commuting on your insurance rates. Insurance rates are often higher for cars that are used for transportation to work.
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  • If your car is worth less than $1,000, forgo comprehensive and collision. You'll wind up exceeding the car's worth in insurance premiums.
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