Car Insurance

1. Most states require drivers to purchase car insurance by law.

Every state has enacted laws that require a driver to purchase a minimum amount of specific insurance coverage. It is wise to have more than the minimum coverage to provide a driver with adequate coverage protection. Auto insurance can also provide protection from liability lawsuits and large repair bills from the owner of the policy or the other driver.

2. Individuals can take steps to lower the cost of car insurance.

Costs can be lowered by choosing a certifiably safe vehicle, driving carefully by obeying the speed limit, not receiving any traffic violations and lowering repair costs by using competitive replacement parts. Coverage usually costs less if statistics show the type of vehicle is involved in fewer accidents and thefts. This information can be easily researched on the Internet. Agents should be able to assist the driver in ways that can help save money on premiums and deductibles.

3. Auto insurance rates are based solely on your driving record.

Car insurance rates are determined by a number of different factors which include driving record, your payment history, mileage, how many vehicles you have, etc. Auto insurance premiums are based on risk, so if your rating factors present you as a high risk driver, then your premiums will be high.

4. Comparing many different auto insurance quotes is the key to saving money.

Premium rates can vary dramatically for different companies for the same driver. It is best to compare many different quotes in order to find the premium quote that will give you the best rates and services. The Internet is a great place to begin researching and comparing quotes from different companies.

5. Scripture is clear about submitting to governmental laws which, today, would include car insurance laws.

Romans 13:1-2 - Let every soul be subject unto the higher powers. For there is no power but of God: the powers that be are ordained of God. Whosoever therefore resisteth the power, resisteth the ordinance of God: and they that resist shall receive to themselves damnation.

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