| What is the right amount of vehicle insurance that you | | | | Comprehensive covers your truck, van or automobile |
| should carry? All agents will tell you to buy as much as | | | | and sometimes the other vehicles involved, for |
| your budget will handle. Well, that may be good for the | | | | damage or injury done in a non collision situation. For |
| agent and his or her company, however it may not be | | | | example, comprehensive insures you against auto |
| good for your or your budget. The standard rule of | | | | theft, damage by flood or fire or collisions with animals. |
| thumb is to buy only what you need since, you may | | | | This type of coverage pays for repair of your vehicle |
| never utilize the coverage in the first place. But how do | | | | less your deductible. In order to keep your premium |
| you know what coverage you need? | | | | low you may want to pay as high a deductible as you |
| There are several factors to consider before buying a | | | | can afford out of pocket. |
| policy. First, find out what is required by law in the state | | | | Collision takes care of damage to your truck, van, or |
| where you live? Second, what does minimum | | | | car, in the event of a collision with another vehicle or |
| coverage actually cover? Next, what other coverage | | | | object such as a tree or wall. This kind of coverage is |
| is available and can you afford it. Finally, what are you | | | | expensive, usually double the cost of carrying |
| protecting? Most states mandate that all drivers carry | | | | comprehensive. It is recommended for drivers who |
| liability insurance when behind the wheel. This is | | | | drive new cars. However for older autos, consider |
| coverage that pays for damage and injury to the | | | | dropping this coverage if you have it, or don't sign up |
| other driver. It does not pay for the damage to your | | | | for it in the first place. Also consider carrying a high |
| car or to your person. No state requires a motorist to | | | | deductible under this coverage as well. |
| cover himself. | | | | |