2 Frequently Asked Questions About Car Insurance Apr15

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2 Frequently Asked Questions About Car Insurance

Car insurance is a necessity. Not only is it legally required, but it can also protect you from financial ruin in the event of an accident. While buying car insurance may seem stressful, educating yourself about it will take some of the anxiety out of choosing the best policy for you.

What Influences Car Insurance Rates?

Several variables play a role in determining the cost of car insurance St Augustine Fl. For example, the age of the driver affects insurance rates; teenagers tend to have higher rates than adults. Years of driving experience also influences car insurance rates as more experienced drivers usually have fewer accidents. The make and model of your vehicle will affect your rates since more expensive cars have higher replacement costs, making covering them a little more costly.

What Coverage Do You Need?

States mandate the minimum liability coverage you must have to operate your vehicle on their roads. When you buy car insurance St Augustine Fl, you’ll find that your policy must adhere to the insurance requirements of the state of Florida.

Keep in mind that minimum liability coverage is the absolute bare minimum you must have and that most people are more comfortable buying additional coverage. For example, bodily liability insurance will pay the person you are in an accident with if you were at fault. Additionally, uninsured motorist coverage will pay your medical costs if an uninsured person hits you and causes injury. Whether or not you buy additional coverage is up to you, but it’s usually affordable and has the potential to save you hundreds of thousands of dollars if you have a wreck.

Most people don’t look forward to buying car insurance, but you’ll probably be surprised at how easy the process can be. The agents at Thompson Baker Insurance at Thompsonbaker.com are standing by and ready to offer their expertise to help you pick out the best policy available.

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