Everyone has auto insurance, if for no other reason than we are required to in order to own and operate a vehicle, details are here http://www.americantristarinsurance.com/

1. American TriStar Insurance

2. 4 Things You Should Know When Buying
Auto Insurance

3. Everyone has auto insurance, if for no other reason than we are required to
in order to own and operate a vehicle. However, many people fail to
investigate their insurance options and coverage properly. Rather, they
look for the cheapest rate with the state minimum coverage. This can leave
you in financial bind if you were to be involved in an accident.
Here are four critical things you should know when purchasing auto
insurance,

4. 1 – Understand The Difference Between Tort
and no-fault Systems

5. This is important because it will shift what you need for your coverage. In
no-fault system, your insurance coverage is primary for you, your property
and occupants of your vehicle. In tort system, your insurance covers both
you and other party if you are found to be at fault.
Keep in mind, that even under no-fault system, if damages or injuries
exceed the legal threshold, this may result in legal action brought by the
party who is not at fault. Ensuring you have enough coverage is very
important in these cases.

6. 2-How Is Your Rate Determined?

7. Insurance companies use many factors to determine the level of risk for them
for extending insurance coverage. These factors include:
• Your driving record.
• The geographic territory where your car is parked, such as urban or rural
areas.
• Your gender and age.
• Your marital status.
• Prior insurance coverage.
• How much you drive, and for what reason.
• The specific car you drive, including age, make and model.

8. 3-Explore Your Discount Options

9. There are many ways to get discounts from insurance companies and to
reduce your premium payment. Be sure you explore your discount options
while you are shopping for the best coverage and rates. The common
discounts include insuring multiple vehicles or having multiple lines of
coverage with the same company, taking driver education courses, having
good grades as a student, have additional safety devices such as optional
airbags, having anti-theft devices, maintaining low mileage on your
vehicle, and have a good driving record.

10. 4-Ensure You Have Enough Coverage

11. Many motorists are heavily underinsured, although they meet the state
minimums. When you consider that a serious accident, which may or may
not be your fault, can easily result in $60,000 or more in just medical
expenses for one person. In most states, the minimum coverage is in the
range of about $20,000 per person and $40,000 per accident. That means
you are left with personal medical bills of $40,000, plus personal liability
for other injuries if you are at fault. The cost for incrementally increasing
your coverage is worth staying out of bankruptcy court.
Auto insurance can be something that really helps in the event of a major
accident. Be sure you carry adequate coverage, you maximize your
coverage for your costs, and that you understand what your policy will
cover.

12. Need Insurance?
Call us today at 619.325.0326
Email us at contact@americantristarinsurance.com
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