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NAZNET What does auto insurance mean? Its a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. After paying your premium, the insurance company agrees to pay your losses as outlined in your policy. It mainly  provides coverage for: Property – damage or theft of your car. Medical – Treating injuries, rehabilitation and funeral expenses. Most insurance companies will send a notice when it’s time to renew the policy and pay your premium. Who is covered ?— The policy will cover you and other family members,  driving your car or someone else’s car. Your personal auto policy only covers personal driving. It will not provide coverage if you use your car for commercial purposes—for instance.

NAZNET It's good to know our state and a general idea of your rating factors would be helpful. There are some general factors when looking for cheap auto insurance, however. The garaging location of your vehicle is important.  Your driving record, and that of other drivers in the household, is important. Your credit plays a role in your auto insurance rates. Required coverage in your state can have a substantial impact on your rates. Shopping around is important, but you should ensure that you’re comparing similar coverage. You can also talk to a good agent to help you shop around on your behalf and save you both time and money. It’s very easy to exceed that number, even in a minor accident. If you cause property damage or bodily injury in excess of your liability limits, you can be held responsible for that amount and generally once policy limits are paid, your insurer is no longer obligated to defend you. The savings from reducing 100/300/50 coverage to 50/100/25 are not en