3 Policies to Consider When Purchasing Auto Insurance


Everyone has to buy auto insurance now. There really is no state that does not require any driver to forego carrying car insurance. While you are at it, you might want to consider securing a couple other related insurance polices. These policies, and how they are tied to cars, driving, and car insurance just make sense to purchase while you are sitting there in the insurance agent's office anyway. 

1. Life Insurance

What if you were to become a car accident fatality? Are you prepared for that? Would your family be covered and cared for if you were gone? Big questions all, but these questions are meant to get you thinking about life insurance and its connection to auto insurance. Auto insurance only covers a fraction of the losses in a car accident. It does not cover the shocking deaths of people driving or passengers in the car with you. Get life insurance with your car insurance so that no matter what happens to you in an accident, your family can rely on the insurance money to help them through a very difficult time. 

2. Health/Medical Insurance

Without a doubt, do not buy car insurance and then not carry health and medical insurance. The biggest reason for carrying car insurance (besides the fact that your state requires it) is to protect you and provide for some additional medical expenses. The car insurance does not cover everything, and that is where your health and medical insurance will come in. The health and medical will cover more of the bills that the auto insurance will not. Consider getting medical insurance so your family has enough coverage, rather than just protecting your vehicle.

3. Umbrella Insurance

Umbrella insurance is so named because it covers everything under one policy that other insurance policies leave unpaid. While you are buying car insurance, life insurance, and health/medical insurance, do not forget to buy some umbrella coverage. Then, if you are in a really bad accident, you may only end up paying a couple dollars out of pocket because your umbrella insurance pays more on the remainder of all medical care bills and vehicle restoration bills. It would be nice to know that after such a horrible accident your out-of-pocket costs are just a few dollars. 

Buying the right kind of insurance can be difficult and overwhelming at times. If you have further questions, contact local auto insurance services.


12 December 2019

Health Insurance Haze: Clarifying The Policy Information

When I lost my job, I also lost my health insurance. I've never had to buy health insurance on my own before, so when I went to my insurance agent, I had no idea where to start. The coverage options, deductibles, co-pays, and premiums were confusing. I wasn't sure how to make sense of all of the tiers and doctor's networks. I created this site to help others who've never purchased health insurance before. The posts here are full of resources for insurance coverage, and I hope that it will help you to find the policy that's right for you.