People all want to search for just the right free auto insurance quotes California. In California, one is required to have a certain amount of car insurance coverage and people who are forced to get insurance want to save as much money as they can especially in these hard and trying times. This is especially true because California is one of the states that is hit the hardest by the recession as caused by the loan mortgage crisis. After all, California’s main industry is (or in this case used to be) real estate development as well as the automotive industry. Both these industries suffered a great deal as direct targets of the recession. A lot of Californians are in delicate financial standings which is why good free auto insurance quotes California are much appreciated.
In the process of looking for the best free auto insurance quotes California, one will inevitably have to go through the process of understanding these different car insurance policies. Car insurance policies are sometimes so hard to understand though. It sometimes is so full of unrecognizable jargon. But what some of these terms mean can actually be easy to understand with just a little familiarization. Several terms, similar to “Property Injury liability” and “Bodily Injury liability” need to be understood first before reading these policies. Here are a couple of very important terms that one will need to know. These are the two most important types of coverage:
Collision Coverage
This is insurance coverage that will pay for the repairs on your car or for the repairs of the other car or the property you collide against and damage. And so the deductible amount chosen for this coverage is inversely proportional to the premium that is billed to you. Even if the collision is your fault, it will most likely still be considered an accident, unless the collision was something intended. One will be able to claim this coverage the way one claims medical insurance. You will have to pay first then the rest of the repairs will be covered by the insurance.
Comprehensive Coverage
This term basically means that coverage that will pay for other kinds of damages other than roadside collisions. These are those damages from fire (in the garage perhaps), natural disasters, falling debris. This also covers such things as vandalism and theft. The way the deductibles function is similar to the deductibles of collision coverage.
There you have it. These are two very important terms before one starts looking for free insurance quotes California.
