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What are the 3 types of car insurance?
The three main types of car insurance are liability, comprehensive, and collision. Liability pays to repair other vehicles in the event you're at fault for an accident, while comprehensive coverage replaces or repairs your car after incurring damages from non-accident-related issues such as vandalism or theft. Collision coverages will provide money to repair your vehicle in the event it is damaged during a wreck.
What is normal premium for car insurance?
The answer is not one size fits all. The car insurance premium depends on the type of car, your driving record, how often you drive, and who will be insured in the vehicle. It also varies by insurer. For example, State Farmu00ae offers different rates for safe drivers versus higher-risk customers with recent at-fault accidents or moving violations in the past three years. Some insurers offer lower premiums to their safer customers, but there are no guarantees when purchasing auto insurance. Rates can differ between companies even if two people have the exact same policy with the same coverage limits and deductibles. Same company = same policy = similar rate . However, one person with a perfect driving history could have a much cheaper rate than another person because of variables outside of their control. These variables are called rating factors.
What does car insurance really cover?
When you get into the car, no matter where you go, wherever you end up, whether it's on a long road trip or just for 5 minutes down the street, you always want to make sure that you are covered. You know what they say ''To be safe, drive safe''. And insurance is the same way. You don't need it until something goes wrong, and even if nothing ever happens to your car, it's still good to have. But many people buy insurance every month without actually knowing what it covers. Here are some of the most common questions answered by the TopTierGear team.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$81|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$47|
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Discounts are estimated and may not be available from every company or in every state.