Basic Car Insurance – Good2go insurance

basic car insuranceWith so many options for automobile coverage available, the entire process of getting your vehicle insured can be utterly overwhelming. Most people want basic car insurance that gets them the coverage they need at a reasonable price. This type of insurance plan will generally not be for the minimum amounts, but also not necessarily expensive comprehensive insurance either.

Review your state insurance minimums.

Reviewing your minimums, it will give you a starting point for the coverage you need to buy for your car. Each state has different insurance requirements and laws, so it is a good thing to familiarize yourself with your state specific requirements.

If you are moving in the near future to another area, make sure you educate yourself on those states laws so that you can be in compliance. Some areas like Michigan and Louisiana have very different insurance laws that you need to adjust to if you are moving there. Getting basic car insurance will differ from each state, but will always have, in general, these important categories.

1. Liability Insurance (3rd party)

The most fundamental kind of coverage you can get for your vehicle will be liability insurance. In nearly all states, this is the mandatory type of coverage you will be required to have while operating a vehicle. There are two facets to liability coverage:

* Liability auto insurance – Property damage
Liability will pay for any car repairs, a total vehicle replacement, or any other personal property that you inflicted damage on as a result of operating your automobile.

* Liability car insurance – Bodily injury
In this case, liability  pay for the medical costs of persons you injured and were deemed liable for, as a consequence of an accident you caused.

When you are involved in an automobile accident you cause, your liability coverage will pay for repairs done to the other parties vehicle and any property damage. Remember, as the name implies, this type of insurance only pays for the damage done to someone else’s car, meaning you are liable for an accident.

You will need additional collision coverage for your vehicle. Basic liability limits vary, depending on which state you reside in, but reasonable limits are $20,000 for Bodily Injury and $40,000 for property damage inflicted. In recent years, some states such as Texas have increased the legal liability minimums, as accident expenses such as vehicle repairs have gotten more expensive.

2. Collision Insurance

This type of coverage is a rather basic car insurance component on most policies. Collision insurance pays for damage done to your car and not any damage done to the other parties vehicle. If you have a really “beat up” old car that is worth just a couple thousand dollars, you might want to decline it. However, if you are leasing a new vehicle or have an outstanding auto loan, this coverage will be mandatory. It is also good to get if you have an expensive car that you own outright and want to protect the substantial investment you have made.

However, if you are leasing a new vehicle or have an outstanding auto loan, this coverage will be mandatory. It is also good to get if you have an expensive car that you own outright and want to protect the substantial investment you have made.

A good way to reduce your costs of this added collision coverage, it to get the highest premium you can afford. Also, remember to get every discount you qualify for, so you can lower your premiums even more.

3. Uninsured or Underinsured Motorists Insurance

With more and more drivers operating non-insured vehicles, this is an important coverage to consider adding onto your policy.

If a person hits you and has no vehicle insurance, uninsured motorists coverage will pay for damage done to your car. Additionally,

Many people carry small liability limits that may not fully pay for the costs of repairs or replacement of your car and property after an accident.  Underinsured motorists coverage is also worth considering as it will pay for the balance after the other parties liability insurance amounts are depleted. If you live in a large urban area like Los Angeles, about 1 in 4 drivers have no auto insurance whatsoever, so getting this coverage is a part of any basic automobile insurance plan.

Shop Online for Basic Auto Insurance

The fastest and best way to get basic auto insurance is to shop online. You can design the car policy you need in just a few minutes and get multiple, competing rate quotes, from the countries premier carriers.

In fact, the average online auto insurance shopper reports annualized savings of about $500. Get the savings you deserve with a free GoodtoGoInsurance.net quote in just a few short minutes. Get your car covered at the lowest rates online today.