What I Look For in Car Insurance – for the layman

There are loads and loads of things to think of when you’re buying car insurance. From full coverage insurance to the bare minimum. What you need depends on your car and how you use it.

I have an old car with a tiny engine that barely runs. And when I buy car insurance, I do it the classy way. I Google ‘very cheap car insurance, no deposit’. And I sit back and wait for the cheapest quote to come rolling in.

Essentially I need my insurance to cover the things that are likely to happen to me on the roads.

Will it cover me if I hit another car?

I mean any insurance will probably cover at least part of the damage caused by a collision. Even if it’s not the damage done to your car. But it’s still important.

Will it cover me if I drive into an inanimate object?

This is surprisingly likely in my case. Walls, lamp posts, trees. You name it, I’ve probably hit it with my car. It’s more important than you’d think that my insurance will help me out with this one.

Will it cover me if my car is vandalized?

I always park in the most unsafe place I can find. Not because I enjoy the adrenaline rush that comes from surviving the walk back to my car, but because those are usually the places that are free. And as we have established. I don’t like spending money, so I need to know that if someone damages my car, I’ll be able to claim.

Will it cover me if my car is stolen?

Another risk when parking in dodgy alleyways is that, not only can your car be damaged, but also stolen. I always check that my insurance will cover me for theft. So I can park wherever the hell I want and not worry that I’ll be completely screwed if my vehicle goes missing.

I always compare as many insurance companies as I can when buying auto insurance for myself, or clients. Since one thing I learned being in this industry for this long is: Who has the cheapest auto insurance is a matter of luck, so compare: http://www.autoinsurancemonkey.com/who-has-the-cheapest-auto-insurance/

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