It's not always a sure thing that the company will deny it, but the likelihood of it happening increases drastically if you're an inexperienced driver. You don't want to get into an accident and then pay for it.
Let's take Honda Civic as an example. Even though the majority of Civic's are safe drivers with no tickets or accidents, they still get pulled over by officers on a regular basis.
All insurance companies offer the same basic terms, but some offer more coverage than others. The type of coverage they're offering might be limited to city limits, which means if you live outside of city limits you won't be able to drive as far as usual.
Limited coverage can cost you hundreds of dollars more than regular auto insurance policies. You may think you're getting what you need, but there is a chance that the insurance company isn't, so the chances of getting coverage is slim.
Another reason why you may not find the cheapest auto insurance policy is because it's from a smaller company. The more small businesses that are competing for your business, the cheaper the price.
Who has better coverage? Does your insurance company have the staff and resources to cover you during an emergency situation?
How much is the limit coverage for your state? If you're moving around your state, be sure to check the laws in your state to make sure the insurance company is legally allowed to limit your coverage.
If your policy only provides you with collision and comprehensive coverage, which limits out injuries from falls and vandalism, then it is likely the company does not offer limited coverage. Also check if your policy includes your personal belongings.
Collision coverage covers the damaged done to your vehicle while the collision occurs. Comprehensive coverage covers damages caused by fire, theft, vandalism, and more.
If you plan on selling your vehicle, the minimum policy usually comes with a five-year limit. Some insurers will extend their coverage for an additional year if you ask for it.
Collision and comprehensive coverage can be very expensive, so you want to do what you can to protect yourself. No one wants to pay more than they need to.
The Right Way to Go about Things So what do you do when you have all of the information you need to make a decision but can't decide on the right company? You can use a car insurance comparison website like AutoTrader.com to help you find the right company for you.