Recently with the children to buy insurance, my experience and share with you. In general American after buying a car, the first thing is to buy insurance, otherwise, do not let the license plate, car off the road. Then the car how to buy? How many?

We bought a car, quite rough. At that time from dealer to hand car, fortunately there is a temporary license plate, car can also be moved back home. But the car must be within 90 days of the insurance, then the husband was only permit, not license, several insurance companies do not sell insurance to no license owners. Finally, we have worked hard, to find a company, think of a compromise, anchored in ZQ license, we buy insurance, your giant, half year almost 800 knife. The husband to get the license, immediately they take leadership, the premium has declined. Change the company for half a year, plus a good record, premium down a lot, half a year about 360 knife

So take this child as an example, to talk about how to buy insurance. For the company's agent first, do a quote, reference comparison. General car, mile mileage, the owner's age, marital status, previous records are all important factors. Above 30 years old married people such as husband, than early 20 unmarried children premium will be much lower. Because Americans believe that older, married, had children who stronger sense of responsibility, may be small accident, so the insurance will be cheaper

Excluding cars and people, how to choose insurance?

Bodily injury and property damage similar to the domestic cross strong insurance, is a must. If you bump into someone, the two tube of others and the car, and her car, but no matter their car. Each state has the lowest coverage, but American medical expensive, too little money can not play, so reasonable is 50/100/50. But we are a family of four to USA west travel time, up to 100/300/100, because so many rich people in there, with Lamborghini and Faraday, not enough to compensate And two people have no health insurance, accident insurance here in case, can block the point.

Uninsured motorists and underinsured motorists is that if you hit, there are other insurance, by bodily injury and property damage lost; if unfortunately, they do not have insurance, then you by your uninsured motorists. This is very important, some of the old black man, really very fierce, what did not dare to go, when can you out of luck 

Uninsured motorist property damage in the same way, hit you are not insured, your car, also have deductible. Good is hit-and-run, also tube. Did not buy insurance if, this is not too bad

Collision is against all risks, if you hit someone, your car is in charge of by it, but deductible. Deductible is an accident, you should be responsible for their own part of the. For example, your car to 1000 knife, your deductible is $500, then your 500, the company out of the remaining 500; if your car is less than 500, then you are responsible for the.

Comprehensive is also the insurance, is refers to various disasters in your car, it all. Stealing, fire, be tree smashed, flooded, anyway. But there are also deductible.

Emergency road service road emergency, is preparing a case Rich joined the AAA, the service is better.

The clear, can choose according to their own circumstances. If a new car is full-coverage, save worry save trouble If it is a second-hand car, liability is generally required, including bodily injury and property damage; uninsured motorists, suggest plus underinsured motorists and uninsured motorist property damage, not expensive, but in case of need, or have a guarantee.

If you have good driving record, like we never eat ticket, the premium will be all the way down.

Another relates to insurance's car. The first time we going to rent a car, our car insurance is insurance, car rental company asked us to buy collision, one day more than 20 knife. And our agent to discuss, put our car in the car during the period of full-coverage, back then, a total of only 10 knives. Rent a car and the car all security, is a province