Car Insurance Options

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When it comes to car insurance, you have two options, to go with a liability-only policy or with a comprehensive (full coverage) policy. It all boils down to what you need and what you can afford. This is great news for you!

To save money and to still be legal, your best option is to go with a liability policy, which will pay for others’ damages that you and your car inflicts, up to a certain amount. You and your car are not covered in this policy in most cases so you must keep that in mind when you make this decision. No damage to your car is covered in case it is stolen or damaged by others.

If you can afford it, the comprehensive coverage for your car is the best way to go. This type of policy will usually cover your car in case of any kind of accident or incident, whether it is your fault or others. If your car is stolen, they will replace your car, if you get in a wreck, they will fix or replace your car. If you get a rock chip in your windshield from a truck in front of you on the highway, they will repair it. It is very nice to have that kind of protection, but keep in mind that the more you claim the higher the premium price will be when you have to renew next time. So keep it under control and remember that this is just insurance, not a shopping spree.

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