Choosing The Right Health Insurance PlanChoosing The Right Health Insurance Plan

About Me

Choosing The Right Health Insurance Plan

Hello, my name is Eric Coleman and I've written this blog to inform others about health insurance. Purchasing this type of insurance can be confusing, but it is very important that people know exactly what their insurance policy covers. When I was ready to purchase my health insurance, I didn't have any idea about what type of coverage I needed. Before I visited an insurance agent, I did hours and hours of online research to learn insurance terms and to find out about the kinds of policies that are available. The insurance agent also answered my questions so that I would fully understand what I was buying. Since getting the right health insurance is so important, I decided to write this blog to help others understand what type of policy they need and what is covered.


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3 Questions To Ask Before Purchasing Auto Insurance As A New Driver

Buying auto insurance is one of the most important things you do as a new driver. Not only is some kind of auto insurance required by law in every state, but it serves as an invaluable form of protection when accidents occur. That said, actually purchasing an insurance policy can be confusing and overwhelming if you don't know the right questions to ask. If you are a new driver looking to purchase auto insurance for the first time, take a look below at just three of the most important questions you should ask.

​What type of insurance do you need?

The kind of auto insurance you purchase will depend on your unique needs and circumstances, but it's helpful to know what each type covers. All states will require some degree of basic liability insurance, which covers the cost of damages and injuries in accidents where you are at fault. That said, you may also decide it is best to add collision coverage to pay for necessary repairs, or property damage liability in the event that you damage the property of a third party. One often-overlooked form of auto insurance is uninsured motorist coverage, which can be vital to helping you in case you get into a run-in with somebody who is illegally driving without insurance.

How much should your deductible be?

While there's no set calculation for how much a deductible should be, it is helpful to consider a few different factors. Take note of the age and condition of your car, how many miles you drive on average each day, and the conditions of the drive itself. If you're driving an older, less expensive model car and drive on busy surface streets, you're likely at a higher risk of being involved in an accident. Consequently, you may want to choose a lower deductible. Those who opt for higher deductibles might save on policy in the short term, but should have the necessary savings tucked away.

How can you make your search for auto insurance more effective?

While independent research can yield great results, an auto insurance agent can often help to compile quotes from a variety of companies for you. They may also alert you to significant discounts based on your age, location, or other relevant factors. Finally, they can work with you to determine the best package for your individual needs and preferences. Without an auto insurance agent, you may miss out on the best possible deals.