General Auto Insurance - The Best 'Cover' For Your Vehicle

Do you have general auto insurance on your car? If not, then you could be the most suitable person to answer this question. What could be more frustrating than buying a new car, taking great pains to drive carefully, maintaining it well, keeping it out of the harsh snow and sun and then having the careless driver behind you at the traffic stop bumping into your new baby? If you screamed 'nothing' then its time to take a serious look at why insurance could be the best accessory for you car.

All drivers know that even the best driving conditions and utmost care on their part cannot avert accidents. Whether it is theft or an inebriated fellow driver, there simply are some things that are way out of your control. All this makes general auto insurance your best bet at financial security.

Fortunately, customers today have a wide variety of motor insurance types to choose from. For example, if you have an old car and you are only worried about the damage it may cause to another vehicle, in case of an accident, then it would be a good idea to go in for third party insurance, which covers such damages. On the other hand, most general auto insurance purchasers choose to go in for comprehensive motor insurance for their vehicles. Depending on the insurance provider, this insurance type provides customers with complete insurance against such things as damages from collision, theft, sometimes even damage from an attempted theft, fire, natural calamities like lightening, hail, snow etc.

Some insurance companies tailor make insurance covers for the customer and most provide customized quotes. Thus, while a particular company may offer specialized general auto insurance schemes to women others may provide pay- as- you- drive options. Researching insurance companies on the net or having a talk directly with several insurance companies will give you a better picture of what the market offers at a particular time.

Some crucial factors determining your auto insurance quote are: your credit and accident history; the condition of your vehicle; your budget and the auto insurance policies in the state you live in. It is obvious that insurance companies will charge higher premiums for drivers who have a history of frequent accidents or if your vehicle is not in proper condition. Also, if you have suitable safety features like crash balloons in you car, you may be eligible for discounts on your general auto insurance.