In most states today availing a car insurance policy is a basic necessity which all car owners have to comply with. Depending upon the driver's age as well as his record in driving, level of coverage is imposed accordingly. There are some people who have a record of DUI or driving under the influence of harmful substances or intoxicants, who need to obtain a special policy referred to as the DUI car insurance policy.
Some of the coverage options that are considered mandatory are the no fault insurance and collision auto insurance. When the car as well as the driver is eligible for comprehensive coverage you get what is called full coverage car insurance.
First understand the full coverage package
In the case of an accident, in such a policy the person who is insured need not shoulder the risks financially. It is very essential to understand the full coverage care insurance policy contents first before you actually start searching for car insurance quotes for such coverage. The first thing to check is whether collision insurance is applicable to your need or not. In such coverage, in case there is physical damage to the car, its repair costs are included in the policy. Certain body components that are non metallic may not be covered. In case there is damage caused to another person's property even then coverage is provided.
In a full coverage auto insurance policy, first aid expenses may also get covered, which you need to find out in the fine print. First aid is important in the case of an accident, and could involve significant expenses that need to be covered. At times it so happens that the insured person may be sued by the other party who has been involved in the car accident. This involves compensation costs and attorney's fees, which the car insurance company reimburses to the insured person. Always make a detailed study of the kind of policy you fancy or are advised to take, and everything it covers before finalizing on insurance.
Talk to your existing insurance agent
The full coverage car insurance policy is like any other regular policy designed for various types of vehicles. It is differentiated only by the wider coverage it offers which attracts a lot of investors. If you don't know how to purchase such a policy, a good idea would be to talk to your existing insurance agent who has offered you a life insurance policy or one on the home. He is the best person to guide you on this and is equipped to offer you affordable car insurance quotes.
Insurance agents take into consideration a few points before selling the full coverage auto insurance policy to you, especially when quoting the premium. If the car is old, the premium charged could be very high. In the case of an older driver, premium charged could be comparatively less, so both the age of the car as well as the driver is equally considered while issuing such an insurance policy. Owning a valid driving license can prove to be of great help when vying for reduction in premium. Higher premium would be charged in the case of high speed cars as they are prone to more accidents.