Are you a vehicle owner that doesn't have coverage? If so, you may be wise to invest in auto insurance, which the likes of Robert Jain recommend and rightfully so. On-road accidents can happen to anyone, which is why it's important to stay covered, no matter what car you drive, where you're headed, or what have you. When it comes to the questions to ask about auto insurance, the following may be the most important ones.
"Do I even need auto insurance?" According to reputable names in finance such as Bob Jain, there are numerous states that have car insurance laws. What this means is that you must have a basic plan, at the very least, to legally own a vehicle. Some of the states that follow this provision include Alaska, Kansas and Florida. Minimum plans vary from state to state, so read up on what you must follow where you live.
"What will cover me with an auto insurance plan?" If you end up buying auto insurance, your plan will cover multiple areas. Keep in mind that specific coverage varies between plans, which is why speaking to your agent is recommended in this regard. Collision coverage is among the most important factors, as it will allow you to cover your vehicle in case irreparable damages are made. This is just one of the reasons why auto insurance coverage is important.
"Is there truth in the idea that the color of my car impacts how much I pay in insurance?" This is a common auto insurance myth that, despite the information available, many people believe. Keep in mind that color is only important on a surface level. If you have to pay more in insurance, it may be because you have an older car, you're younger, or have a few driving accidents on your record. Color is a nonfactor in this regard.
"I feel like my current plan is too high. How can I lower it?" Perhaps the best, not to mention easiest, way is to improve your credit score. Insurance agents are more likely to work with those that have solid credit, as they will be more likely to pay the rates they offer. You can also lower the cost of your plan by driving safer. The fewer accidents you get into during your lifetime, the lower the cost of your insurance stands to become.
"Do I even need auto insurance?" According to reputable names in finance such as Bob Jain, there are numerous states that have car insurance laws. What this means is that you must have a basic plan, at the very least, to legally own a vehicle. Some of the states that follow this provision include Alaska, Kansas and Florida. Minimum plans vary from state to state, so read up on what you must follow where you live.
"What will cover me with an auto insurance plan?" If you end up buying auto insurance, your plan will cover multiple areas. Keep in mind that specific coverage varies between plans, which is why speaking to your agent is recommended in this regard. Collision coverage is among the most important factors, as it will allow you to cover your vehicle in case irreparable damages are made. This is just one of the reasons why auto insurance coverage is important.
"Is there truth in the idea that the color of my car impacts how much I pay in insurance?" This is a common auto insurance myth that, despite the information available, many people believe. Keep in mind that color is only important on a surface level. If you have to pay more in insurance, it may be because you have an older car, you're younger, or have a few driving accidents on your record. Color is a nonfactor in this regard.
"I feel like my current plan is too high. How can I lower it?" Perhaps the best, not to mention easiest, way is to improve your credit score. Insurance agents are more likely to work with those that have solid credit, as they will be more likely to pay the rates they offer. You can also lower the cost of your plan by driving safer. The fewer accidents you get into during your lifetime, the lower the cost of your insurance stands to become.
About the Author:
If you'd like more information about insurance and other finance-related subjects, consult Bobby Jain.. Free reprint available from: Robert Jain: The Most Important Auto Insurance Questions To Ask.
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