It is very important to have a proper idea of different types of insurance coverage before looking for insurance quotes. This article gives an overview of the physical damage insurance coverage.
Physical damage coverage, as the name suggests, is meant to cover physical damage to your car. This can be of two types - comprehensive coverage and collision coverage.
Comprehensive coverage covers your automobile from damages due to reasons other than collision. Example of such reasons are wind, fire, rain, theft, earthquake etc. Comprehensive insurance is generally optional. But, it may be mandatory if you purchase your car with a vehicle loan.
Collision coverage covers the damages caused to your car when it is hit by other car or to another car when it is hit by your car. Like the comprehensive coverage, it is also not mandatory. But you may need it your car in on a loan or lease.
It is very crucial to set a proper deductible amount for both of these insurance types. The difference between the total expense and your deductible will be paid by your insurer. So, to keep your premium low you need to have a high deductible. So, you need to decide your deductible accordingly and buy the insurance. People with a new and generally mostly go for physical damage coverage. On the other hand, owner of an old car doesn't show much interest in it.
Few factors greatly influence the collision coverage for your car. Such factors are your driving history, age, gender etc. If you have a clean driving record, you have a better chance of getting a good deal. Young drivers are more to reckless driving. Because of that it is relatively hard from them to get cheap collision coverage plan. Women are less likely to take risks and violate traffic rules which makes it easier to find cheap car insurance for women. If you don't satisfy the above mentioned criteria of getting a good deal in collision coverage, I would suggest you take a driving course. Successful completion of a driving can make things easy for you.
Comprehensive and collision coverage are relatively expensive. Cost of insurance and related offers show a wide range of variation with different companies. For example, some companies may provide free damage repairs, free courtesy cars etc. to the customers purchasing comprehensive policies. So, you need to do a thorough comparison before you buy your insurance.
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