| Everyone wants affordable car insurance but | | | | vehicle identification number of all of your |
| nobody wants to pay the price. That may not | | | | vehicles. This is usually on your |
| have made much sense to you but the insurance | | | | declarations page. |
| buyer has to be better informed. There has to | | | | |
| be some time spent on educating yourself | | | | 3. Drivers in Household - Every resident |
| enough to make intelligent decisions about | | | | relative with a driver's license should be |
| your next insurance purchase. Too many folks | | | | listed on the policy unless they have other |
| avoid all responsibility when it comes to | | | | insurance. |
| buying car insurance. You do not need an | | | | |
| insurance course to understand the | | | | 4. Liability Limits - These are the limits |
| fundamentals involved in rating car | | | | for bodily injury and property damage |
| insurance. Look at the declarations page on | | | | insurance. This is very important coverage |
| you car insurance and you will find all that | | | | and not a good place to cut costs if you are |
| you need to know. | | | | a property owner. This portion of your policy |
| | | | pays benefits to the party that you have may |
| The Declarations Page | | | | have injured in an auto accident. It also |
| | | | pays for the damage to their vehicle. |
| 1. Policy Period - This is the specific time | | | | |
| period that the policy is effective. Some car | | | | 5. Physical Damage - This is your collision |
| insurance policies have an annual renewal and | | | | and comprehensive benefit that you see on |
| others have a six month renewal. Do not shop | | | | your declarations page. This is coverage for |
| for car insurance with a declarations page | | | | your automobiles. Your deductible selection |
| that shows that your policy period has | | | | will raise or lower the rate. |
| expired. That could cause you to be placed | | | | |
| into a sub-standard carrier. Shop at least | | | | These are some of the many policy benefits |
| one month before your insurance is ready to | | | | that you will find on your declarations page. |
| expire. | | | | Ask your insurance company about discounts |
| | | | and tort option. Learn all that you can and |
| 2. Vehicles - Your vehicles will affect your | | | | you can help make your car insurance more |
| physical damage rate. When shopping, make | | | | affordable. |
| sure that you give the quoting company the | | | | |