How Does Auto Insurance Work? | How Much Coverage is Enough?

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How Does Auto Insurance Work?

Published by AccurateWP

Finding the right auto insurance coverage in Illinois can be overwhelming. There are tons of companies and coverage plans from which you can choose. Not to mention, there are a lot of terms that auto insurance companies use that can be confusing if this is your first time getting insurance. Read on to get a better understanding of auto insurance coverage in Illinois and beyond.

For New Cars

Are you hoping to buy a new car in the near future? Make sure you contact your insurance agent before going through with the deal. If you don’t have a pre-established agent, do your research on rates and keep in mind that a majority of states require you to have coverage within 10-15 days of purchase. If you want to switch policies or companies, doing so when you buy a new car is ideal.

How Much Coverage is Enough?

In order to answer this question, consider the type of car you have, how old your car is, where you live, whether you have health insurance and many other things. If your vehicle is on the older side and you aren’t committed to keeping it, you might not want to worry about collision or comprehensive coverage, as paying for a collision might end up being more than the car itself.

Car Insurance with No Car

It’s possible that you drive often but you don’t own the car yourself. If this is the case for you, consider non-owner auto insurance to cover someone else’s vehicle if you are driving it and you get in an accident. This may also be a great option if you are living in a city and you occasionally rent or borrow cars.

This is only a small amount of information related to auto insurance in states like Illinois. If you’re interested in learning more or have more questions about the right plan for you, contact Accurate Auto Insurance today!

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