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Cheap Insurance

Getting Cheap Car Insurance For Your Vehicle

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Anyone who owns a car needs car insurance. State laws used to let a driver operate a vehicle without insurance, but the laws that govern owning and operating vehicles started to change in the mid 1980s. Today, every state has a law that requires an individual to insure a vehicle. The insurance does not have to protect a person from comprehensive damage. If he drives his car into a ditch, he is not covered. If he is at fault in an accident, he is also not covered.

Cheap car insurance is often bought at the state minimum level of coverage. The minimum level of coverage is not always the cheapest level of coverage. It does appeal to many people who think the minimum level of coverage will cost less than the comprehensive packages. It may be that the state minimum coverage is the cheapest form of insurance, but that buying a little extra coverage will not cost the user much more. A customer needs to ask ab out the cost of both packages before he makes his final decision. Some companies do not offer more than state minimum coverage. The dollar amounts for minimum coverage vary from state to state.

Cheap car insurance works best with the type of car often referred to as a beater. It does not work as well for the category of car that was recently referred to as a clunker. The Cash for Clunkers program was designed to take many older cars with lower fuel efficiency ratings off the road. Cheap car insurance was often not purchased for these cars. It certainly was not purchased on the cars that replaced them. However cheap car insurance is a good deal for people who are just starting to drive and for cars that do not have high Kelley Blue Book values.

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