Comprehensive coverage will pay for damages to your car

Age is a big factor when you are looking at car insurance for women. Every state that requires auto insurance mandates the purchase of property damage liability. You usually can't collect any more than the actual cash value of your car, which is not the same as the car's replacement cost. In addition, younger drivers tend to have more accidents and get more tickets. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident. Uninsured motorists (UM) coverage pays for your injuries if you're struck by a hit-and-run driver or someone who doesn't have auto insurance. If you are trying to get full coverage on a vehicle with a loan from a bank then you can be sure if the driver is under the age of 23 the insurance will be over $300 a month. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. And, if you already have disability insurance, there's little reason to purchase higher-than-minimum amounts of PIP. Comprehensive coverage will pay for damages to your car that weren't caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. However, just because you are a woman will not get you the rate you are looking for. You will need to have a good driving record, be older than 23, and be driving a smart vehicle.