auto insurance policy -- tips for superiorbut cheap insurance coverage stay claims-free for more than three yearsand most insurers will give you a special discount. remember, this does not mean youmight not have any cause to make a claim but that you did not file one. therefore, if it's a minor case, handle iton your own. what you'll gain from a no claims discount will certainly outweigh it. reduce your bodily injury liability coverageto the very minimum required by your state law and buy an umbrella policy instead. themore substantial your asset, they more this recommendation is true in your case.
just to ensure we all are on the same plate... ...bodily injury liability coverage takescare of passengers and the other driver in an accident that's caused by you. if thiscoverage type takes care of such liability issues, why is still recommended that youget an umbrella policy? the simple reason is that the liability coverageincluded in any auto insurance policy is usually inadequate. this means that your personalassets will be taken if your liability coverage cannot handle the bills and damages incurred. however, there is hardly a law suit or liabilityissue that an umbrella policy won't take care of completely. you save on many ends withan umbrella policy...
it helps you get lower rates, gives you superiorliability coverage on auto related issues... ...but still covers liability claims thatmay arise somewhere else, for example, your home. price-wise, you get much more coverageper premium dollar with an umbrella policy... it could cost a 35 year old man in an arealike new york city... ...around $300 extra to raise his bodily injuryliability from $25,000/$50,000 to $100,000/$300,000 (the first amount in each pair shows the maximumamount that will be paid out to each injured person in an accident. the second amount showsthe maximum that can be paid out per accident). however, with an umbrella policy, he'll spendless than that to get $1 million worth of coverage. and if he chooses to raise the coverageamount of his umbrella policy to $2 million
dollars... ...he'll only have to pay only $75 more! butthat�s not all... after the $2 million mark, he'll need to addonly $50 to his rate per $1 million extra coverage amount. see? that's superior coveragefor a lot less -- that's the advantage in adding an umbrella policy instead. get many more tips that will help you cutdown your overall insurance costs by up to 50% at q4l.org one more thing... save a lot of money...
get and compare quotes from many top insurers@... q4l.org
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