Insurance Tip #7: Your auto insurance should cover replacement with original parts


This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!

When it comes to buying auto insurance, the focus is mainly on the premiums.

Premiums are important. Fortunately, there are many web sites that permit consumers to do comparison shopping.

However, everyone knows that there is more to shopping for auto insurance than getting the lowest price. Among the issues to consider are:

  • Bodily injury and liability insurance -- covers injury to others if you are at fault

  • Collision insurance -- covers damage to your car

  • Comprehensive coverage -- covers damage to your car caused by an event other than an accident

  • Car rental -- while yours is being repaired

  • Glass -- eliminates deductibles for broken glass

  • Medical -- covers your medical expenses

  • No-fault personal injury protection -- covers medical and related expenses for everyone injured in an accident, regardless of fault

  • Liability -- covers damage you cause to the car or property of others

  • Uninsured motorist -- covers injuries (bodily and property) caused to you by uninsured drivers

Here's a tip on buying auto insurance that most agents won't tell you: