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What to Look for When Buying Car Insurance

Whether you have had a car for a while and are looking for a deal, or this is your first set of wheels, car insurance is a service that is mandated by the government in order to protect people, and in many cases property. However, it’s easy to get lost and tangled in the number of companies and options available, all different depending on your car, your age, where you live, and more.

Type of Coverage

There are several general types of automotive insurance on the market today: compulsory civil liability, collision, and comprehensive.

Civil Liability

This type of insurance covers the cost for which you are liable for in the event you cause damage to someone’s health or property with your automobile. In most geographical areas, this is a minimum necessity in order to have a car on the road.. Similarly, if you hit someone’s car, the insurance would cover the extent of the damages on their vehicle but not yours. If you are driving a “beater” or a low value car, this might be an attractive option for you.


Collision insurance covers everything that is included in the civil liability insurance, plus the cost of the repair or replacement of your own vehicle in the event of a collision. You’ll have options in terms of maximum values and the level of the deductible, something that will need to fit your comfort level and budget.


Comprehensive coverage is the highest level, and therefore the most expensive. However, it protects you from having to pay for repairs resulting from all kinds of events, such as falling objects like tree branches and hail, natural disaster, vandalism, or even a riot. Though the monthly costs can seem great, it could save you a lot of grief down the road.

Speciality Clauses

In addition to the traditional types of coverages, companies often add supplemental clauses in order to boost their offering and make themselves seem more competitive. This could include a first accident forgiveness clause, or a better rate for a second car. Even a budget for a rental car for when your vehicle is in repairs is a useful perk to have if there was to be an accident. Depending on your situation, your occupation, and your driving record, you can score some additional savings or tidbits of helpful policies which could really make a difference down the road. Don’t be afraid to ask “is this the best you can do for me?”.


It’s definitely worth shopping around for good car insurance. It is a significant monthly bill that should give you the greatest value possible for the best price. You can try calling a number of different companies with your information and get them to prepare quotes for you or you can get a broker to do that for you.  They often have a good relationship with the insurance companies and can quickly compare rates and packages for you while offering better rates than what you would get. If price and value is something you are looking for, contact a car insurance broker and take advantage of fast and competitive quote.

Purchasing car insurance can become a confusing journey if you are not prepared to embark on it. Before reaching out to your trusted insurance broker, get an understanding of the terminology at stake, consider your personal risk level and whether you would prefer to pay higher monthly rates or pay more if there were an incident. Once you know what you are shopping for, you’ll be able to make sounder decisions you will be comfortable with.


  1. Thanks for sharing your article about buying a car insurance. I totally agree with what you said about how confusing it can be to purchase a car insurance if you don’t understand the terminology at stake. I also liked that you enumerated the different types of coverage for a better understanding. I’m looking into buying an insurance for my husband’s new car. This move will surely help me to have peace of mind if any repairs are needed. I will make sure to consider all your tips.

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