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Oct 10, 2013

Not all car insurance plans are created equal. Although a “one-size-fits-all” solution would be convenient, it would be quite frankly impossible. Drivers inevitably face different risks on the road, with a small plan sufficient for some and lacking for others. To help you make a more informed decision about whether you need a heftier car insurance plan, here are some major reasons that would beg for a sturdy plan.  

Other Drivers’ Insurance: Something a lot of drivers on the road do not consider however when deciding on a car insurance plan is the insurance coverage of other drivers involved. One in seven drivers on the road does not have any car insurance coverage, and if you are involved in a car accident with an uninsured driver you could be placed in a poor financial situation. If there are many potential uninsured drivers in your area and you don’t want to get caught with the bill, select an insurance plan that can provide coverage broad enough to protect you against collisions with uninsured drivers.

Natural Disasters: Areas that are prone to natural disasters (floods, earthquakes, etc.) are at a particular disadvantage. Most standard car insurance plans do not cover any damages incurred as a result of any natural disasters. Residents in Phoenix and Scottsdale should take note of this, due to the occasional flooding seasons that can cause considerable damage.

Lifestyle Factors: Many different characteristics about your life will factor in to the kind of insurance you will receive. What kind of factors? These factors normally include marital status, parental status, health insurance status, current income, home ownership, and more.  

There are still countless factors that can affect the proper coverage for a car owner. Speak with a Scottsdale or Phoenix auto insurance company to discuss your own personal situation. 

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