How to Purchase Car Insurance?
2 Answers
If it is your own liability, it is a type of insurance used to help compensate the other party, and the insurance amount has no upper limit. In case of an accident where you are at fault, this insurance covers the repair costs for your own vehicle. If you have purchased vehicle damage insurance, you won't have to pay for the repairs after an accident. Passenger liability insurance covers the medical expenses for injuries sustained by passengers in the vehicle at the time of the accident, provided the vehicle is not overloaded beyond its rated capacity. No-deductible coverage, also known as zero deductible, applies to each commercial insurance item and can be purchased individually or together. For example, you can choose to buy no-deductible coverage only for third-party liability.
When I first bought my new car, I knew nothing about insurance, so I started researching online. First, I compared quotes by entering my license plate and driving history on several major company websites—don’t rush to make a purchase. Look for basic coverages like liability and collision insurance, and check your state’s minimum requirements. My experience is that young drivers face higher premiums, so I took a safe driving discount course to save some money. Before buying insurance, I also test-drove and assessed the car’s value to avoid underestimating claim payouts. After purchasing, I kept a digital policy on my phone for easy access. In case of an accident, contact the insurer immediately to file a report—safety first, don’t delay. Nowadays, some insurers offer apps to manage everything conveniently. In short, be patient and compare thoroughly—don’t just go for the cheapest option; quick customer service response is also crucial. Review your policy every six months to ensure fair rates.
