When was the last time you sat down and read all the way through your affordable car insurance policy? I bet you have no idea what it says and what it covers you for! Let’s take a good look inside one of these ‘small print’ documents. There are 4 different types of cover, as follows:

Comprehensive Coverage
Comprehensive affordable car insurance pays for non-collision damage to your car from such things as theft, vandalism, break-ins, fire, natural disasters and other causes.

Raising your deductible, which is the amount you pay before your insurance company pays anything on your claim, will lower your premium considerably. Think about dropping this coverage if you drive an older car. This will save you money.

Collision Coverage
Collision insurance pays for repairs to damage to your car resulting from a collision regardless of who was at fault.

Raising the deductible here could save you hundreds of dollars a year on your premium. If you have an old car that's not worth very much, consider dropping your coverage, especially if your car is worth less than your insurance premium. This could save you $450 or more.

Liability Coverage
Liability coverage pays for claims made against you for property damage and physical injury. It's really the most important coverage because it protects you from losing your assets.

Don't try and save or skimp on this one. If you don't own much, you can stick with the minimum coverage. But if you do have assets you want to protect, get as much coverage as you can to protect those assets. Increasing your liability coverage won't cost you that much extra.

Medical Coverage
Medical coverage pays medical expenses when you or your passengers have an accident. It also pays expenses if you or members of your family are injured in someone else's car.

If you have health insurance you could consider dropping this coverage. If you don't have health insurance, consider getting it instead of carrying medical coverage on your affordable car insurance policy. Check the pro’s and con’s with your insurance agent to see which makes more sense