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I've often been asked why it is important to have auto insurance. Is not simply paying the insurance premium enough? People think that if they pay the insurance premium, they have paid for their protection. However, that isn't true. Auto insurance is needed primarily for your protection, and not for your own sake.The basic function of liability insurance is to protect you against damages that you or your car may cause in an accident. Without Insureinfoq , the consequences could be devastating. Consider a road rage incident in which you hit another car or someone in the street, causing damage to their car or injury to them. Without appropriate liability insurance coverage, these incidents would almost certainly result in financial damage for you, your vehicle, and any other person who was injured.What kinds of events warrant adequate coverage? Any incident in which you are at fault, as long as it resulted in damage to another person's car or property, is covered by liability insurance. It's also important to note, "Collision" and "damages" are different than "caused harm". Damages in a collision are all physical damages that result from a collision. Collisions and damages caused by you are not covered.When you consider the other main reason for purchasing insurance, you'll find that comprehensive coverage is the most common. Comprehensive coverage protects you against "unrestored and damaged" property. This includes theft, vandalism, acts of God, and weather-related damage.If you want auto insurance that fully covers the cost of damages incurred in a wreck, then you should purchase "all risk" coverage with your auto insurance company. "All risk" coverage will pay the entire cost of repair for your car and for the property damaged by your car in the event of an accident. The cost of the damage plus your deductible will be taken care of by the auto insurance company. In the vast majority of cases, the cost of this type of coverage will be more affordable than liability insurance, even though it provides you with far more protection.When you are shopping for auto insurance, you must be sure to get quotes from several different companies. Comparing auto insurance quotes can be quick and easy online. Simply fill out a form detailing your driving history, the make and model of your car, and any additional information the company requires. You'll receive a variety of quote formats, so make sure you know what the quote structure is before you agree to purchase insurance.One of the best ways to obtain the lowest auto insurance premium is to drive safely. It's been estimated that drivers who don't use their cars on a regular basis are charged the highest rates. According to statistics, drivers who take reasonable care of their cars are entitled to save up to six hundred dollars per year on car insurance. If you live in a no-fault state, such as Alaska, it's even possible to receive no-fault auto insurance premiums as a reward for simply being a safe driver!Auto insurance is important, but it's not necessary "alone." There are many other factors involved in the determination of your monthly car insurance premium. Therefore, the best approach is to make your car insurance company aware of all of your pertinent driving information. You might also want to discuss any questions you may have with your insurance agent or company representative. Keep in mind, however, that no matter how careful you are, accidents can still happen. Don't let yourself be a victim.In terms of your vehicle, the type of car you drive is important. Expensive sports cars usually cost more to insure because they're considered more likely to be in an accident than, for example, a family car that's only meant to be used to go to the grocery store. As such, if you absolutely must own an expensive car, purchase a policy that offers the most comprehensive coverage possible.However, keep in mind that auto insurance isn't required by law. It is, however, strongly advised that every legal adult over the age of 18 possess auto insurance. Not having adequate coverage could cost you a lot of money. To learn more about obtaining insurance, including the basics of auto insurance, register for a free auto insurance quote online. The cost of a policy will vary depending on a number of factors, including your location, the type of car you drive, and your personal details.To find out more about auto car insurance, including how to obtain a free auto insurance quote, register for a free car insurance quote online. There are several reputable insurance companies that offer their clients a free car insurance quote. After requesting a quote, you'll be able to compare prices and make an informed decision about which company you wish to pursue. In addition to cost, make sure the policy you choose provides enough coverage so that in the event of a car accident you're covered. After all, you won't be driving if you don't have the right protection.