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Show 2 Car Care Guide, March, 1989 Cost-Effecti- coverage thats right for you ve cost. Investigate the amount for the car and for your lifestyle. Eliminate coverage you dont need. Ask about discounts. J ack Gillis , author of The Car Book (Harper & Row), advises car buyers to be aware that a models design and accident history may affect insurance rates. If you buy a car that has a cars By DEBRA LEE BALDWIN Copley News It takes more than an ignition key and tank of gas to get your newly purchased car rolling. You need a piece of paper that proves that it is insured. Be prepared. Auto insurance can add significant and unexpected expense to a CUSTOM BODY & PAINT A-J- 's Alan Stout, Owner with most insurance companies We work OUR SPECIALTY: Fender Repairs Frame Straightening Complete Paint Jobs Radiator Repair Body & Uni-Bod- in collisions, you lose two ways you are driving a comparatively unsafe vehicle, and it will cost more to insure it. Insurance companies use charts that list types of cars and the average amounts that claimants receive per car each year for injuries. Using this and other data, they determine whether to discount premiums on a particular car or to add a surcharge. Think safety as you examine the design of a car you plan to buy. Good maneuverability helps avoid accidents. Well-designe- d bumpers prevent damage in d crashes. Four-doo- r cars tend to be damaged less than cars with low-spee- two doors. Because insurance companies anticipate certain driving habits from owners, sports cars are expensive to insure. On the other hand, sedans drivers of four-doand station wagons often get discounts. Shop around. One company may offer a discount on y Straightening FREE ESTIMATES East of Price 637-206- track record of high repair bills and significant damage or 0 JOHNS particular car while another may not. Discounts and surcharges usually a A UTO- - IECH GENERAL AUTOMOTIVE SERVICE We specialize in: Wheel For Motor Alignment range from 10 percent to 30 percent. WHOSE FAULT? Many states have instiautomobile tuted insurance. As the name implies, each persons insurance company pays for losses in an accident, regard no-fau- lt less of who is at fault. laws Details of are them Among vary. amounts paid for certain kinds of accidents, the right to sue and whether property damage is included. Ask your insurance agent laws in about the terms Two state. you your need to know are first party, which refers to the coverage you have for yourself and your family; the second is liability insurance, which covers losses to others resulting from an accident. no-fau- no-fau- when your car is stolen or damaged by floods, fire or other perils. GET THE BEST BUY According to the Western Insurance Information Service, there are many ways you can lower your auto insurance premiums. Many consumers do not benefit from these discounts simply because they dont ask, says Gillis. You can opt for the largest reasonable deductible for each type of coverage. Increasing your deductible lt TYPES OF COVERAGE Chances are, you will need most or all of these six basic types of insurance, even if you live in a state. The amount you pay for each will vary depending on the amount of coverage you request: Bodily injury liabilino-fau- to $500 from $200 could cut your collision premium about 20 percent. And raising it from $200 to $1,000 could lower your premium about 45 percent. If you have an older car, consider dropping collision coverage. Regardless of how much coverage you carry, the insurance company will pay only up to the cars book value. If your health insurance is substantial, you may not lt ty: Covers claims against you and legal fees if your car injures or kills someone. Property damage lia- bility: Pays for claims and legal costs if your car damages another persons need medical payment property. coverage. You may be eligible for discounted rates if you use the same insurer for your auto that you do for your home as well as for additional cars you own and all Medical payments insurance: Covers the medical expenses of the driver and passengers in your car resulting from an accident. Uninsured motorists protection: Pays for inju- drivers. Look into the possibility of discounts, too, if you are over 50 years of age, you are a female who is the sole driver in the household, you car pool, you dont smoke or drink, andor your driving record is free of accidents ries caused by an uninsured driver. or a hit-and-r- Collision insurance: Pays for the cost of repairing your car after an accident. Comprehensive Homes, Large Trucks and Passenger Cars physical damage insurance: Covers costs incurred lt 1? and violations. devices for your car can help cut insurance costs. These include hood locks, alarms and devices that prevent the car from being started by anyAnti-the- ft Analyzer Digital Electrical System v7 Complete Brake Service sssf&e- - SuspensionSteering Full Gasoline Rebuilding Service Batteries Shock Absorbers No Credit Card Charge On Full Service Tire Replacement FULL SERVICE STATION Inspection Station 1922 -- p.m. Weekdays & Saturdays Sunday 7a.m. 9p.m. 10 -- O ;504 E. Main, Price Full Service Garage Wheel Alignment Window Replacement Body Work 4 Wheel Drive Repairs Transmissions HOURS 6a.m. but you. If your car comes with automatic seat belts andor one 637-812- 0 39 W. 2nd S. Huntington 687-958- 4 . air bags, be sure you tell your insurance agent. Safety devices may qualify you for lower premiums. The more you drive, the greater your chance of an accident. If you put minimal mileage on a car, your insurance needs will be less than for a frequently used car. Drivers in rural areas pay less insurance than drivers who have to negotiate city traffic and tight parking spaces. |