Cutting Through The Jargon of Getting a Car Insurance

When you’re trying to get a good car insurance policy, there are a lot of things to think about. Of course, before you can really even get started in the vehicle insurance game, you will need to make sure that you actually understand the jargon behind car insurance. It’s one thing to think that you do, until you actually sit down to get an auto insurance quote online. This is when people usually realize there are many more terms to learn than they first imagined.

Does it have to be this way, where you’re so frustrated from not knowing what’s going on that you just can’t make any decisions? The truth is that it really doesn’t have to be this way. Here are a few choice terms that you’ll run into.

Accident Forgiveness

Got an accident? If it’s your first one, you could get an insurance policy where your first accident doesn’t count against you. This actually benefits you in two ways. First and foremost, you won’t have to pay a deductible for the accident. The second benefit is that you won’t see your premium rise because you’ve become “risky” to the car insurance company. Truly a win-win situation!

Comprehensive Coverage

Comprehensive coverage refers to all of the events that have nothing to do with car to car collisions. For example, if you were to hit a telephone pole, this would be covered under comprehensive coverage. In addition, if you were to hit a deer, this too is covered under comprehensive coverage.  Is this coverage right for you? Generally speaking, comprehensive coverage is a great fit for newer cars and cars that still have a car loan attached to them, since you will have to protect the car against damage of all kinds as part of your contract with the loan company. Continue reading “Cutting Through The Jargon of Getting a Car Insurance”