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Liberty Station Car Insurance

Liberty Station car insurance protects your financial future from the enormous expenses of a car accident. Getting caught off guard and uninsured with a major accident or other vehicle damage can take a crippling toll on anyone's budget. When times are tight, the effect of these events is even more burdensome. Liberty Station car insurance helps you prepare for life's uncertainties.

Liberty Station is a neighborhood in San Diego, CA. The area has a unique layout of purpose-specific districts. Liberty Station is a commercial and residential community converted from the former San Diego, CA, Naval Training Center. The residential district is divided into civilian housing and government-owned military housing. In addition, Liberty Station consists of a retail and commercial district, separate education, hotel and business districts, a promenade and park space.

Purchasing Liberty Station auto insurance can be a complex task. With so many options to consider and dozens of San Diego insurance companies competing for your business, it can be tempting to choose the cheapest option from the provider with the best commercials. But being a smart shopper can save you money for the right amount of coverage.

Types of Coverage

There are several basic types of coverage that can be included in any policy. For the most part, Liberty Station car insurance policies can be purchased a la carte. An agent can help you decide the types of insurance coverage you need, but knowing a few basics can help you make an informed decision.

The basic form that all California drivers are required to have is liability coverage. This includes bodily injury and personal property liability, which pays for the other driver's expenses if you are at fault in an accident. Liability does not cover your expenses in at-fault accident, though, so you might choose to purchase personal injury and collision coverage. Personal injury coverage is not necessary for people with good health insurance, and collision coverage is only worthwhile if your car has a blue book value of $5,000 or more.

All Liberty Station drivers should have uninsured/under-insured motorist protection. This covers your expenses if the at-fault driver in an accident does not have sufficient insurance. It is estimated that almost 20 percent of California drivers drive without car insurance, so there is a good chance you could be hit by an uninsured driver.[1] Without California uninsured motorist protection, you could be stuck paying your own bills.

Comprehensive coverage pays for non-collision repairs. Fire, theft, flooding and animal collision are just a few of the perils that can be claimed with comprehensive coverage. This type of car insurance is often recommended for people in big city neighborhoods like Liberty Station, since the risk of vandalism is higher.

Some minor Liberty Station automobile insurance policy additions might include rental car coverage, which pays a portion of the cost of a rental car following an accident. Towing coverage pays to tow the car from the accident scene, but this is unnecessary for people who have roadside assistance memberships. Windshield breakage coverage pays to repair windshields in some cases. Finally, gap coverage is a wise choice for Liberty Station residents buying or leasing new cars with little or no down-payment. If you crash the new car driving it off the lot, gap coverage pays the difference of the blue book value and what is owed to the financing company.

Contract Pitfalls

Once you decide on a company, a policy and coverage limits, it is time to sign on the dotted line. Before you do, read the contract carefully. Liberty Station car insurance companies are there to look out for your financial well-being, but hidden contract terms can do more harm than good.

Retain your right to sue. Some contracts contain a clause that forces you to forgo court and go into arbitration if there is a dispute between you and the insurance provider. This makes it easier for the provider to take advantage of you, and you lose any leverage when it comes to claims disputes. Try to do away with this clause, or find another Liberty Station vehicle insurance provider.

The other clause to look out for is an aftermarket parts requirement. By signing this, you agree to accept "new factory," "like kind and quality" or "aftermarket" parts (read: generic). If you drive a new car that you plan to keep for a long time, these sometimes inferior parts can damage the longevity of the vehicle, and they can negate your warranty. It is better to reject this clause at the outset than to try fighting it out during a claim.

Liberty Station car insurance is a necessary monthly expense to avoid unnecessary expenses down the road. Compare rate quotes from at least four Liberty Station car insurance providers before choosing a company. Read all contracts carefully to protect your interests, and drive rest assured that you are protected.

http://articles.latimes.com/2010/may/28/business/la-fi-lazarus-20100528 Retrieved 2011-09-14

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