Free car insurance quotes have become very popular through the Internet because they are so easy to get and you can see the direct impact that certain coverage options have on your premium. People generally have an idea about what coverage is important and how it could affect the rates that they have to pay to their car insurance company, but they are usually wrong. Certain types of coverage, such as vandalism coverage, do not affect your premiums as much as you may think.
You must understand that what will affect your free car insurance quotes are the types of coverage that you elect to add and the limits to that coverage. For instance, if you elect to have liability only coverage on your vehicle it will make the insurance premium much cheaper than if you have full coverage. Because of this many people assume that liability coverage is the cheap part of your insurance premium, but this is not the truth, it is in fact the most expensive.
People generally think that collision and comprehensive coverage make their free car insurance quotes skyrocket, but this is not true. Collision coverage affects your policy more than comprehensive coverage, but it is still does not have a major impact. One of the cheapest parts of your car insurance policy will be vandalism coverage, which is actually part of your comprehensive coverage.
One easy way to remember your comprehensive coverage is that it covers "FTV" which in the insurance business means, fire-theft-vandalism. Coverage under your comprehensive option is provided for incidents that are not necessarily your fault or the cause of an accident. So, vandalism coverage falls under comprehensive coverage and this type of coverage will be impacted by the crime rate in your community. Insurance companies use statistical data to determine the level of risk where you live. The more crimes that occur in your area that are similar to this in nature the more it will cost for you to get comprehensive, or vandalism coverage.
Vandalism coverage will not be labeled as such on your free car insurance quotes so you should remember that this is actually a part of your comprehensive coverage quote. If you feel that you live in an area that is prone to vandalism you should get the coverage to protect the investment you have in your car. Avoiding comprehensive coverage could affect you and your family in the event that you lose your vehicle. Car insurance industry experts recommend comprehensive coverage to people in order to protect losses related to accidental fire, any kind of theft and in cases involving vandalism.