Every few years it’s a good idea to examine your car insurance to make certain that you’re getting the best price with the most advantageous coverage, find the best auto insurance in Charlotte A quote can be obtained online from an independent insurance agent by completing a simple application.
Before requesting a quote, get the following information ready:
- Complete names, dates of birth, and driver’s licenses for all drivers
- Driving records for all drivers
- Description of your automobiles including make, model, and VIN number
- A copy of your prior insurance policy
Write these down and be prepared to enter them into the online site. Your prior insurance policy can allow you to compare insurance coverage exactly so the price comparison is equal.
Limits of liability and coverage can vary. The insurance agent you consult may give suggestions for expanding or reducing coverage. Be certain to check online with your state insurance commissioner to determine what the state requirements are for your state. Ordinarily the following coverage is suggested:
Bodily injury and property damage liability – this covers your personal liability in the event of an accident you or one of the drivers of your car is at fault.
Medical coverage – this provides a small amount of medical coverage for immediate necessities as well as for the costs incurred by passengers in the car.
Physical damage coverage – this is coverage for damage to your own vehicle in the event of an accident whether or not it is your fault. Comprehensive insurance gives coverage for the times when weather, animals, or vandalism, for example, cause damage to your car. Collision insurance gives coverage for collision with another car or object. Ordinarily a deductible applies to physical damage coverage. The amount of the deductible depends upon what you estimate you can afford in the event of an accident. Again, you and your insurance agent should determine the deductible.
Uninsured motorist’s coverage – this provides coverage for bodily injury or personal damage in the event that you are involved in an accident involving someone who does not have insurance.