Car insurance is just one of those things that we all hate to pay and we all hate to not have if we get pulled over for something but it’s just one of those things. In todays article we’re going to talk about insurance and what you can do to make sure you stay not JUST legal but also safe from any kind of problems on the road.
The first thing we need to talk about if the type of coverage that you have on your car or truck. I know the main thing to talk about would be the type of truck but we can’t control that situation we can only control what we have in front of us. So back to the subject at hand. You should always have full coverage on your ride at all times. The only way you should drop your coverage is either A. you just cannot afford it. Or B. your ride is junk and isn’t worth the gas you just put into it. Otherwise kids…..FULL COVERAGE! No if’s ands or BUTS about it! This will cover both you and the other guy so this way while your car is getting fixed you can only pay a small amount of money instead of a huge amount.
The second most important thing is your bodily liability car insurance meaning if you get into a car crash and it’s your fault then your bodily coverage will cover the expenses that the other guy has medical wise. If you don’t have this people will take you personally to the cleaners! (People are too sue happy now a days).
The third is private property insurance you need to have this high too cause this will cover the damage that you cause to both their car and the other guys mailbox or the yard that you tore through when you tried to miss him or whatever other kinds of odds and ends that may happen.
Other little odds and ends that you may want to do is get rental car insurance, it doesn’t cost that much more ($18 bucks maybe?. Also, check to see what kinds of discounts you may qualify for, it may sound odd but there are certain things that you can to (small things) that you have save some dough on. And the other thing that comes to mind is your deductible. Everyone has a $500 dollars deductible in most cases but if you ask to get it lowered down to $250 sure your monthly rates rise a little bit but you get that satisfaction of knowing that if anything does happen you know that all you gotta do is fork out half of what you regularly would.
And the utmost important kinda of insurance to have is for the dumbasses that don’t have insurance which is the uninsured motorist coverage. THIS IS IMPORTANT! If you get this insurance it safes you incase you get hit in a accident and it’s a hit and run OR the jerk off just don’t care about you or anyone else on the road.
My final word on this subject for right now is that I want ALL of you to car insurance. I know it sucks and times are very tough for some of us but we need to make sure that it’s paid and current cause if you get caught driving with out insurance you go to jail right now! And don’t forget just because your an idiot and got caught without it if you get into a accident you also make the family you hit pay too in ways that they might not be able to afford either. Remember, there’s always someone out there who has it worse than you.
