Posted on 26th, Jan 19

Car insurance is mandated by law. There are differences in car insurance policies, just as differences in state-mandated coverage. Before purchasing a policy, know your state’s mandated-coverage, and identify the different types of car insurance coverage.

Car Insurance: What You Need to Know

Car insurance is designed to cover car owners and drivers on a policy in the event of an accident or natural disaster. The extent of the coverage will depend on the type and extent of insurance coverage. Insurance terms need to be understood as they define different coverage options and differences.

Types of Car Insurance

  • Car insurance coverage includes:
  • Liability
  • Comprehensive and collision
  • Personal injury protection and medical payments
  • Uninsured/underinsured motorists
  • Comprehensive


Car insurance deductibles vary per policy. The deductible is the dollar amount the policyholder is responsible for paying before a claim being paid by the insurance provider.


Rates are determined on the driving history, demographics, the vehicle make and model, the vehicle use, credit score, prior insurance history, and the age, gender, and sex of the policy applicant or holder.


Insurance providers are numerous. Shopping online is the easiest way to compare providers, coverage, and premiums. Before a provider is chosen and policy purchased research:

  • The provider’s financial stability and their reliability in paying claims
  • The provider’s policy coverages
  • The policy rates and deductibles
  • The provider’s customer service and business practices

Car insurance is mandated by law. Know the minimum coverage in your state and understand that the minimum is minimal protection.

Champion Car Removal is a cash car buyer in Perth that purchases all types, makes, and conditions of vehicles. If you have been involved in an auto collision, are ready to upgrade your car for a newer model, or have a deteriorated vehicle, contact us, and we will make you a cash offer for the vehicle.

Our policy is to go to the locations of sellers in Perth that have accepted our quote and provide them with a hassle-free, quick, cash car sale.

To obtain a cash offer for your unwanted car or truck, please contact us at the number below, or visit our homepage and complete our online quote form.

Contact Champion Car Removal for a free car valuation. Call us at 0469 197 014.