Car insurance (or auto insurance) is an expense every vehicle owner needs to consider. Your MINI dealer is here to help simplify this sometimes-daunting process.
4 Things Every MINI Dealer Customer Should Know About Car Insurance
1. Types of Auto Insurance
First-party auto insurance covers damages you incur that are associated with your car or your driving. In contrast, third-party insurance pays for damages you cause to other people or property while driving. The latter includes liability insurance, which may pay for legal expenses, hospital bills, or car repairs another driver must take on because of an accident caused by you.
If you want coverage for theft or damage to your own car, you need property auto insurance. And if you want injuries you suffer during a car accident that require hospital treatment to be covered, then you would secure medical auto insurance. You may also seek uninsured motorist coverage in the event that you are in an accident with someone who does not have auto insurance. For the most expansive coverage that addresses almost any circumstance, opt for comprehensive coverage.
2, Coverage Considerations
Different factors will influence how much auto insurance coverage you need. For one, the price of the coverage may be important. Comprehensive coverage, naturally, comes with the highest price tag. Higher-priced vehicles also may merit more insurance coverage. Numerous resources are available online to compare quotes from different companies so you can get a good deal.
In addition. you are legally required to carry minimal auto insurance, typically liability coverage, in the United States. Some regions may have even higher requirements. Rest easier with your ride with the MINI Cooper certified warranty, which provides 4 years or 50,000 miles of protection for your new MINI as well as rust or corrosion protection for 12 years, 3 years or 36,000 miles of complementary maintenance, and four years of roadside assistance.
3. Covered Parties
A personal insurance policy will typically cover you and any family members you decide to include on your policy. It will apply whether you are driving your vehicle or another consenting person’s vehicle. Further, if you consent to let someone else not on the policy use your vehicle and they get into an accident, the policy may cover this circumstance as well.
Ensure your car is only used for personal reasons and not for the operation of a business. If your vehicle is an integral part of your business dealings, then it will need expanded coverage.
4. Insurance Payments
Insurance companies determine the monthly cost (or premium) you will pay for your insurance by evaluating factors such as your vehicle type, your age, your location, and your driving record. You will also have a set deductible, which is the amount you will pay out-of-pocket before your insurance takes over.
To get great coverage, you’ll need a great ride first. Visit Tom Bush MINI and browse an inventory made to last.
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