Tips for Lowering Your Auto Insurance Rates

If you’re brand new to owning a car and handling car insurance Culver City, you’re not alone. Many people are not fully aware of how car insurance works. Furthermore, they don’t know what types of car insurance are available and which ones they should have.  Below, we will outline the main types of car insurance that are available so that you can better understand which car insurance you and your family need.

Personal Liability Insurance

Personal liability insurance essentially covers you in the event that you are responsible for a covered accident that you and your car where involved in. In most states, it is actually required that you have a minimum amount of liability coverage in order to drive.

This type of insurance generally covers repairs to any property that was damaged in the accident. It can also take care of medical bills for injuries that occurred because of the accident.

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Personal Injury Coverage

Everyone should have PIP or personal injury protection. If you were in an accident and you or your passengers were seriously injured, PIP covers medical bills for both you and your passengers. It doesn’t matter whether or not you were at fault in the accident.

Comprehensive Coverage

Covered accidents aren’t the only types of accidents that can occur. In some cases, other causes of damage are to blame, and in this case, you want to have coverage to protect your finances as well. Comprehensive coverage takes care of damage from hitting a deer or having your car hit by a fallen tree in severe weather. It also covers you if your car is stolen. This is a great type of insurance to have; just make sure it fits your budget.

Collision Coverage

When you are involved in a covered auto accident, collision coverage takes care of repairs to your own car. In situations where your car is completely totaled, this type of coverage will cover the value placed on your car. In many situations, older cars aren’t actually worth having collision coverage for. But again, this depends on the value and several other factors, so you’ll want to speak to your insurance agent to learn more.

Talk to a Car Insurance Provider in Culver City Today

Are you looking for any of the above types of car insurance Culver City? If so, contact an insurance agency in your area today to meet with an agent and discuss your options.

Sitting down with someone who is knowledgeable about the ins and outs of car insurance will help you better understand what types of insurance you require. An agent will also be able to help you get a better deal on bundling car insurance with other types of insurance and can even give you additional tips for lowering your monthly rates.




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