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There are some cars out there that are extremely expensive to keep insured. Whether they are expensive because they are sports cars or simply because of the color of the car, it will take a huge chunk of change to keep these cars legally insured. There are also some cars that take almost nothing to keep insured.

1.    Porsche 911 –

If you can afford to buy this car in the first place, you probably want have a hard time keeping it insured. It can be known as one of the most expensive cars to receive insurance on. This is because it is not only a sports car; it is an extremely fast sports car.

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While shopping for car insurance, you will come across a number of different policies offered by the insurance companies. The policies offering liability insurance, collision insurance and medical protection are the basic ones. Besides, there are gap insurance, comprehensive insurance and many other types of car insurance policies. What leads to the presence of so many car insurance policies in the market? Learn about the 5 basic factors that decide different types of car insurance policies.

Damage You Cause or Receive

In an accident involving your car, three different types of damages may occur. Firstly, your own car may receive huge damage that will lead to considerable repair or replacement cost. Secondly, you may cause damage to the vehicle of the other driver involved in the accident. Finally, you may cause damage to the public property.

Costs for covering all these damages will be entertained by the car insurance company only if you have the right type of insurance cover. Liability coverage, collision coverage, property damage liability and physical damage coverage are among the car insurance types that you must have to pay for these costs.

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