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The first step in building a car insurance policy is to get quotes. This can be done online by visiting any major insurance agency’s website, and filling out specific information. Repeat this process at other insurance companies’ websites to find which ones offer the best quotes. Then, think about ways to save money on auto insurance by playing with the deductible, and also consider additional types of coverage.

Try setting different valued deductibles while receiving free auto insurance quotes online. The deductible value (the amount that the client is responsible for upon a claim before insurance kicks in) directly effects monthly premiums. Setting a high deductible will lower monthly premiums, but if you require coverage because of an at-fault accident, then a higher amount of money will be issued by you before the insurance company pays anything. Conversely, with a low deductible value, you will not pay as much upon a claim, but premiums will be higher, and they will likely increase with each accident or claim. Essentially, if you are a good driver and do not anticipate at-fault accidents, a high deductible will likely save you money, but if you are more liable to cause accidents, a high deductible will have you paying more out of pocket after each claim.

Now consider additional, optional car insurance coverages in building you perfect policy. Liability insurance (which covers other drivers when you cause an accident) is probably the only mandatory type of auto insurance coverage, but additional types of insurance, like collision and comprehensive should be considered. These coverages may or may not be worth their costs, depending on your car’s situation and your area.

Collision coverage covers your vehicle when you cause damage to it. This will be added to your monthly premiums if you have it, so consider its value. If your car is not worth a lot, then premiums will be higher as you cover a low valued car, which will not garner you a large payout when you damage it because it is not worth too much. For the most part, collision coverage is best for those whose cars are worth something, and in great condition; paying more each month to cover something that is not worth much can be unwise. Find out how much collision coverage is for you, and determine whether or not you find it worthwhile.

Also consider comprehensive coverage. This type of optional insurance covers your car if it should be stolen, vandalized, or damaged by the elements or things like falling trees. In areas where damage by inclement whether is likely, or in places where theft is common, this coverage can be more expensive than it would be elsewhere. In deciding whether or not comprehensive coverage should be part of your auto insurance policy, again think about your car. If your vehicle is low valued, paying extra each month, especially in places where this coverage is more expensive, is probably not worth it. But if you have a nice car that you are particularly fond of, it is probably worth protecting it as best you can. Consider all of these factors in building your car insurance policy.