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Saturday, May 2, 2009

How Much Seattle Auto Insurance Coverage do You Need?

By Steve Turner

Many might feel overwhelmed when they are purchasing their Seattle Auto Insurance policies. One concern is making sure that you have enough coverage for your needs but that you are not over purchasing.

If you have a loan out on your vehicle then you will be required to have full coverage insurance. This means that you will need to meet what the law mandates plus add comprehensive and collision. While the extra protection will benefit you, it is mostly for securing your financer from losing money.

You can receive benefits from having full coverage as well. If your car is already paid off but is still worth a considerable amount of money, full coverage will give you more protection for your financial investment.

Having full coverage may not be worth the extra expense if your car is older or inexpensive. A way that you could save money is to increase your deductible amount to a level you feel comfortable with.

Talk with your insurance agent about not having collision coverage if your car is old or inexpensive. Keep your comprehensive coverage though because it will give you protection against damages caused by fire, theft or window breaks.

You need to make the decision how much coverage you feel comfortable with. You will want to have the peace of mind that you will be financially secure in the event of an accident.

If you have any concerns about getting sufficient coverage for your Seattle Auto Insurance policy, talk with an insurance agent. They will be easily able to answer any concerns that you have and help you to make the best decision for you. - 23211

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