Many owner prefer to take a policy in which the car is insured but the driver is not. Do you know the reason? The car insurance rate will not be pricey. However, it has to be understood that there are other factors determining the rate of car insurance like the city where you live, gender, age, driving record, and many other. In fact, when you only insure the car, the rate will be lower.
Is it all? Of course not. There is another benefit. When you only insure your car, you will be more careful to drive. Besides, you don’t want to lend your car to someone else since you don’t want to see someone else get trouble.
However, it doesn’t mean that having insurance car and driver will cost you a lot. In this case, there are various policy coverage that you can choose based on your financial condition. For instance, you can take comprehensive and collision coverage. With this policy, it is not only a car but also drive who get coverage when accident happens. However, you have to decide which driver will get coverage.
Usually, people include members of family to be the list of covered driver. You can include your boy or daughter. Nevertheless, the rate is determined by the age of the list of covered driver. Make sure that your boy or daughter are adult, not children anymore. When they are above 21 years old, the car insurance rate will be low since the risk of having accident is low as well.
Unfortunately, the rate of car insurance is getting higher year after year. You have to consider about it as well. Most drivers only insure their car, not the driver since they don’t want to get bothered because of the rate that is getting pricey. You might use it as the thing that you have to consider about.
In fact, car insurance is important. For the times being, the case of stolen car frequently happens. It can be occurred in the garage or in the public parking lot. It is better to lose little money to pay car insurance than lose a car, right? If you think so, there is no option. You have to take car insurance.
To save money, take car insurance that it is only covered for the damage. In short, the car is insured but the driver is not.