If you own a car, you are more than likely required to have insurance. However, auto insurance is also essential to protect your family financially. It covers the cost of car repairs or replacement, injuries, and any property damage that may occur in an accident. It also covers natural disasters such as hail, wind, or ice damage. Insurance for your car can be, which is why you want to find any way possible for lowering car insurance rates car insurance quotes. There are four components to auto coverage:

• Bodily injury liability
• Property damage liability
• Uninsured or underinsured motorist insurance
• Personal injury protection

Bodily injury liability insurance covers injuries to others when you are involved in an accident. After an accident, bodily injury liability insurance pays for the injuries to people in the other vehicle but cannot be used to cover your injuries. Typically, bodily injury liability coverage is separated into per person and per accident values. If your coverage has $25,000/$50,000 limits, each person who is injured could receive up to $25,000 from your insurance company. However, your insurance company will only pay up to $50,000 for the entire accident for bodily injury liability.

Property damage liability coverage covers non-medical damages either to your car or to other property you own. For example, if a driver loses control and crashes into your garage, property damage liability will cover the cost of the repairs to your building. Your auto insurance property damage liability will not cover repairs to your property but pays for repairs to property owned by others.

If you are involved in an accident with an uninsured motorist or their insurance was too low to cover the costs of your medical bills or damages, uninsured/underinsured motorist coverage for your policy can be used to make up for the difference. Some states do require this type of car insurance. It may also kick in if your limits are too low to pay for damage or injuries in an accident you caused to others.

Personal injury protection is designed to cover personal injuries to yourself or to other parties. If you have personal injury protection, you don’t have to file a claim against the other driver’s insurance, and you don’t need to wait for the fault to be determined. Only 15 states require this coverage, however.

f you have a first time driver, insurance for your car can be expensive. This is because new drivers have a lot to learn behind the wheel of a car, and they often make mistakes. First-time drive car insurance usually has higher rates than for those who have had a significant amount of driving experience because if a first-time driver makes a mistake, it can lead to injuries or property damage. Most times, first-time drive insurance coverage is added to an existing policy, like that of a parent or grandparent. This does help keep the cost lower than if you purchased a completely separate policy for a new driver.

Everyone makes mistakes, and a mistake could lead to cancellation of your insurance. You may forget to send off the premium, or one too many speeding tickets could cause your insurance company to cancel your coverage. When you have lapsed car insurance, it can be challenging to find coverage again. When you do find coverage, it is often far more expensive than what you were paying initially.

If you travel, you may have to use a rental car occasionally. What many people don’t know is that some personal car policies do not cover damages to rental cars. Car rental agencies offer insurance with each rental, but it often significantly increases the cost of the rental. For some, the added rental car insurance can place the rental far out of their price range.

There is a way to lowering car insurance rates car insurance quotes and even rental car insurance. EmployeeandMemberDiscounts.com offers a wide range of insurance discounts that can be applied to your personal insurance, or they may be available for rental cars. EmployeeandMemberDiscounts.com offers insurance discounts that you can actually use, and there is never a membership fee. We can even help you set up a discount program for your organization, allowing your members to save money and protect the financial future of your family. Whether you need first-time driver car insurance, car rental insurance, or your other types of auto coverage, you can find a discount on EmployeeandMemberDiscounts.com. We can even find you discounts if you have lapsed car insurance.

If you operate an organization or are looking for a way to save money on your own insurance, visit EmployeeandMemberDiscounts.com to learn more about what we have to offer. We can help you save money while still covering your vehicle, passengers, and other drivers on the road with a good insurance policy. This can provide you with financial peace-of-mind as you know you are covered should the unthinkable happen. Contact us by phone today, or you can fill out the easy online form to learn more about EmployeeandMemberDiscounts.com today. Our customer service experts are ready and willing to help you save as much as possible on your insurance coverage.

When you first drive your new car off the lot, it comes with a manufacturer warranty. However, this product only covers a specific period. After it expires, you’re on the hook for all the expenses the auto warranty covered. Besides that, used vehicles frequently don’t come with this type of coverage. Now, Employee And Member Discounts enables you to shop for car warranties that include everything you need – and nothing you don’t want.

Companies call it an aftermarket auto warranty. Some refer to it as a service contract. Both terms mean the same thing. You pay a specific amount of money to protect yourself against the potential of car repair expenses.

Think of it as health insurance for your car. Just like your health policy, there are different plans. The more protection you want, the more expensive the plan will be. Some car warranties don’t go into effect until your manufacturer warranty expires. Others run concurrently.

There are different policies available. Some are comprehensive and offer bumper-to-bumper coverage. Whether the air conditioning system goes out, your engine block cracks, or electrical components fail, you have coverage. This is the most expensive type of protection to buy.

That said, there are more specific warranties, too. These are typically used car warranties that cover particular elements of the vehicle.

• Powertrains. This type of product focuses on the transmission, engine, and driveshaft. Repairs of these components can be costly. If one of the named elements fails, the extended car warranty covers repairs. Frequently, you can choose the dealership where you want to have the work done.
• Drivetrains. These warranties focus on axles, wheels, and transmissions. The engine is typically excluded.
• Performance. Emission control systems can be headaches to repair when your car fails the test. This type of car warranty covers work on the catalytic converter and several control modules.

Because every policy differs in content, paying attention to detail is crucial. Several limit payouts to specific mileage ceilings. Others won’t pay for vehicles you might use to make money. Examples include ride share driving and food delivery services.

When you decide to keep your new car after its manufacturer warranty runs out, investing in a service contract protects your finances. If something goes wrong, repairs can be costly. Besides that, they may leave you without a car for a long time.

With the right car warranty, a third party picks up the lion’s share of the bill. Best of all, many warranties include roadside assistance as well as car rental options. As a result, you have transportation while the repairs won’t rip a hole in your budget.

Because there’s so much variety in the market, it makes sense to review your options in one place. With Employee And Member Discounts, you can compare apples to apples and save money in the process.