When you are in the showroom trying to test drive a car, you will want to make sure that you are insured by auto insurance, even if something untoward were to happen on your way to the car lot. The showroom is required by law to cover their vehicles, meaning that they must have an insurance policy that covers them if a customer was ever in an accident while driving the car. The most popular type of coverage is third party insurance. The third party is the least expensive but will only pay for physical damage that occurs to you as a passenger in the car.
You can find several different types of coverage for you car. It is easy enough to just drive down to your local insurance agent and get an auto insurance quote. But what if you want your car insured when you leave? Then you will need to take out liability insurance.
Many insurance companies have policies that can be used when you test drive a car. But there are several different types of policies you will want to know about when it comes to insurance.
Bodily Injury Liability insurance covers you and the other passengers who were in the car with you. This policy covers you, the driver, if something happens to another person’s property while driving. This is often the cheaper type of policy and is best for those people who don’t drive any more.
Personal Injuries Liability covers those damages to yourself or another party that occur as the result of someone else’s accident. This is usually the pricier insurance but is very important. This policy will cover the driver and the passengers in the car, so if you are the driver who is at fault in an accident, then it will also cover the passengers.
Comprehensive insurance is for those who drive their own cars. This is a type of policy that is intended to protect you from the very worst case scenario, and if you own the car, this type of policy covers you and your passengers.
Third party coverage is usually the last resort for those that own a car and are injured because of an accident. The policy will pay for your medical expenses for damages to yourself and the other drivers passengers. You will not be covered by a comprehensive policy, but many times, the first party can be covered under the third party plan.
Getting an insurance policy is not always the easiest thing to do. In fact, many insurance companies are very upfront about the fact that you will need insurance and try to sell you the most expensive one you can get. However, by doing a little bit of research, you will find the cheapest policy that you can.
If you are in a situation where you can not afford to buy your own policy, or just do not have time to shop around, you can always hire an agent to help you. These agents will work with you to find the best policy for you based on the needs of your current financial situation.
When you start looking, you should take a look at all the different types of policies available to you. You should consider just what type of car you drive, how much you drive each year, and how much damage is caused by the car. You may be surprised at how many different types of policies you can choose from.
Once you have decided on the type of policy you are interested in, it is time to start shopping around to find a good price. There are many insurance companies to choose from, and it is very important that you compare prices and policies.
Multiple quotes are a great way to do this. Getting a free quote online is easy, and this way, you will save a lot of money. Even with your free quote, you can find out which companies offer the best deals for the type of coverage you are looking for.