Choosing car insurance

Owning and driving a car gives you lots of freedom. You can drive to wherever you want, whenever you want. Nothing will stop you anymore from a spontaneous weekend in the countryside. Investing in a driver’s license and a car therefore is one of the first things people do when they take their first steps into the grown-up world.

However, in order to keep things carefree, you should always close on a car insurance before riding your first miles. In many countries, it’s even mandatory to have a car insurance before hitting the road. Although we all try to avoid any damage to our car and the world around us, accidents could soon happen. With the right car insurance, you don’t have to worry about major cost; it’s already bad enough when there’s damage in the first place.

When closing on a car insurance, there are a few basic things you need to keep in mind in order to get the right coverage. The first choice you have to make is whether you want an all-risk coverage, or only a liability insurance. The general advice is to close on an all-risk coverage for cars that are less than four years old. When you are driving an older car, a liability insurance will usually be sufficient. With this type of insurance, all damage you bring to others that you are liable for, will be covered. However, when you bring damage to your own car, it’s for your own expense.

An all-risk insurance –the name is actually quite self-explanatory- covers any damage that you are liable for. Even if you in hit another car upon an unfortunate event, the damage to both your car and the other one, will be covered by the insurance company.

Many safe miles!

Paul Montagne
 

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