Are you in need of car insurance but not even really sure where to start? Shopping for insurance of any kind can be stressful, especially when you aren't familiar with how policies work. Combine that with the fact that car insurance has lots of different categories and levels and you're creating a recipe for stress. Well, Toyota of Orlando is here to help. We're breaking down car insurance to make it easier to understand, navigate, and choose the right type of policy for your new Orlando Toyota. Read on!
Car insurance has one basic purpose - to cover costs if you get into an accident. It can actually cover both the costs of your medical bills and repairs AND the medical bills and repairs of the other driver, depending on who was at fault. Without it, you'd be stuck paying all expenses yourself (and they can add up to astronomical amounts really, really quickly). Additionally, car insurance is a legal requirement to own and operate your Orlando Toyota. You can get into serious trouble if you're driving around town without it.
So, what are the basic things to consider when you're choosing car insurance for your new ride? Here are the main categories you'll have to look at:
Collision covers the repairs to your vehicle or - if it's a total loss - pays you a lump sum that you can use toward a new vehicle.
Personal Injury Protection will cover your medical bills for injuries sustained in an accident.
Comprehensive covers your medical bills and repair costs if you were to be in a hit-and-run accident (where there is no insurance from the other driver), or your repair costs if your car is damaged in a natural disaster. It also covers windshield repair and replacement.
Bodily Injury and Personal Property Liability covers the medical expenses and car repair bills for the other driver in the accident if and only if you were at fault.
Now let's talk about cost. Some drivers think that car insurance has a flat rate, but it varies hugely from driver to driver. Car insurance companies base their rates on a long list of factors, including:
Your age
Your marital status
Your gender
Your address
Your driving and accident history
Your insurance coverage history
Which Orlando Toyota you're going to buy
What you're going to use your new vehicle for
And on top of that, you can typically choose how often you want to pay the premium. Most drivers choose monthly, but there's often options of paying every six months or even once a year. If you pay every six months or once a year, you may be eligible for a discount on your rate, so be sure to ask your agent.
Still have questions about car insurance? Call us! You can reach Toyota of Orlando at (407) 298-4500 or stop by 3575 Vineland Road, just off I-4 across from the Millenia Mall.
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