Auto Insurance

What is covered by a basic auto policy?

admin — Thu, 15 Oct 2009 12:16:00 -0700

Consumers interested in finding the cheapest car insurance should compare auto insurance companies online to make sure they are getting the best rates for complete coverage.

Auto insurance is required in order to legally drive a car in most states. It protects your finances by paying to repair your car if you are in an accident and covering your liability if someone is injured. Most states establish minimum coverage requirements, but drivers may want to consider carrying additional car insurance to ensure they are completely protected.

Auto Insurance Glass Coverage

admin — Thu, 15 Oct 2009 12:07:00 -0700

If you are making payments on your car or truck, you probably have collision and comprehensive insurance. And if you have these insurances against physical damage to your vehicle, one of them should cover broken glass. However, if you do not have collision and comprehensive insurance, you are probably not covered if any of your windows are damaged or broken by road debris or vandalism. Read on for more information about what auto insurance glass coverage is and under what conditions you might want to consider it.

How to Decide if You Need Auto Insurance Glass Coverage

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How Your Driving Record Affects Your Insurance Premium

admin — Thu, 15 Oct 2009 06:39:00 -0700

Do You Deserve Lower Auto Insurance Rates?

That depends on what kind of driver you are! While many states have adopted "no-fault" insurance reporting methods, chances are good that your car and truck premiums will rise if you're issued a ticket for a violation, or if you report a motor vehicle accident to your insurance company.

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Auto Insurance for Classic Car Owners

admin — Thu, 15 Oct 2009 06:24:00 -0700

If you own a classic car, you might save money by purchasing specialty insurance that limits the use of your car and comes with lower premiums.

Why Consider Classic Car Insurance?

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Should I Purchase Rental Car Auto Insurance?

admin — Thu, 23 Apr 2009 05:43:48 -0700

Many people rent a vehicle when they are on vacation or in their own home town and the rental car company will bombard you with a bunch of extras, including rental car insurance. The big question on the minds of most rental car takers is whether or not they need the rental car insurance or if it is an expense they really don’t need. The answer to this depends on the type of auto insurance you have on your own vehicles.

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The Basics of Car Insurance

admin — Wed, 11 Mar 2009 12:10:27 -0700

If you operate a motor vehicle, it's very important for you to understand the basics of car insurance. Driving a car is an important part of daily life for many people. No one likes to think about being in an automobile accident, but it's a fact that vehicle collisions occur quite frequently. Making sure that you are properly insured is an important part of being a responsible driver.

Understanding Insurance Requirements

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How to Save Money on Auto Insurance

admin — Tue, 24 Feb 2009 06:01:21 -0800

Saving money on auto insurance is not difficult, if you are willing to do some research, read your policy and put some extra money in your savings account.

1. Raise your deductible.
By raising your deductible, or the amount of money that you pay in the event of an accident, you will lower your premium. Raising your deductible from $250 to $1000 can lower your premium by several hundred dollars a year. Although you will save money, it is important to build up your savings account so that you have the money to cover your deductible if you are involved in an accident.

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Auto Insurance for Teens

admin — Mon, 23 Feb 2009 06:41:09 -0800

As most parents can verify, a teenager behind the wheel of a car for the first time can be a nerve-wracking experience – just as much for the parents as for the driver. And with good reason – statistics indicate that a 16 year old driver is almost ten times more likely to be involved in an accident than a driver aged between 30 and 59. Auto accidents are the leading cause of death for those aged 15 to 20.

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Why You Should Carry More Than Compulsory Insurance

admin — Fri, 13 Feb 2009 04:42:19 -0800

If you want to drive legally in most of the United States, you need to carry a minimum amount of automobile insurance. That legally minimum amount of insurance is called “compulsory insurance” and is required in all but five states in the United States. Even in those five states, some drivers may be required to carry compulsory automobile insurance. Because compulsory insurance only covers the bare minimum required in your state, it usually carries the cheapest premiums you’ll be able to get in your state. Does that mean that compulsory automobile insurance is your best deal?

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How to Choose Auto Insurance

admin — Tue, 10 Feb 2009 04:49:34 -0800

Choosing auto insurance can be quite a daunting task, especially when consumers are subjected to almost hundreds of different companies claiming that they offer the best coverage, at the best rates. Although the task itself may be confusing and difficult for some consumers, it is an essential one, as the risk and costs are too high to go without auto insurance. Furthermore, it is even illegal to drive a car without coverage. The one and only way to choose auto insurance is to be an informed consumer, which means doing a little homework before signing up to any auto insurance plan.

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Auto Insurance: What Happens When I am in a Collision?

admin — Sat, 07 Feb 2009 04:43:44 -0800

Being in a collision can be quite terrifying and upsetting and many people who experience their first accident have no idea what to do. Let’s look at – before you are in the situation – what you can and should do if you’re involved in a collision.

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Should I Switch Auto Insurance Companies for a Better Rate?

admin — Fri, 28 Nov 2008 05:07:51 -0800

You've probably heard all of the commercials that claim that you can switch to various auto insurance companies and be able to save a lot of money. You want to be sure that you understand what switching your auto insurance entails before you actually do it.

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How to Be an Insurer’s Ideal Driver

admin — Mon, 10 Nov 2008 04:43:46 -0800

Auto insurance premiums can take up a hefty chunk of your monthly budget, but there are ways to reduce the amount you pay for auto insurance coverage. Here are seven tips to help you get your auto insurance company’s cheapest premium rates.

1. Follow the rules of the road.

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Learning what auto insurance is required by law

admin — Tue, 04 Nov 2008 04:22:04 -0800

It’s a widely-known fact that if you drive without auto insurance then you can be facing severe penalties if you are pulled over. You might receive points against your driving record, large fines, and possibly even may face some jail time. Just as the penalties for uninsured or underinsured driving vary from one state to another, the amount and type of insurance that is required by law can be quite different as well.

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Understanding Your Car Insurance

admin — Mon, 06 Oct 2008 05:23:22 -0700

Many people who think they have sufficient car insurance often find themselves facing an unpleasant surprise when they need to file a claim. It's important to take the time to understand exactly what your car insurance policy covers before you find yourself involved in an accident or needing to make a claim for other reasons.

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How to choose the Right Auto Insurance

admin — Thu, 18 Sep 2008 06:06:01 -0700

It is the law that every auto must be insured, and there are plenty of different companies out there, just waiting to insure your car. Choosing the best one for you can be very difficult. What sort of insurance do you need? Is your car brand new? If it is newer, your rates will be higher because the insurer will charge you for replacing the car if you have an accident. Older cars are cheaper to insure, especially if they’re paid off, because the replacement cost is much less. What is your driving record like? Lots of tickets will make your rates go higher and so will accidents or a DUI.

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What to Do On the Scene of an Auto Accident

admin — Fri, 18 Jul 2008 06:55:52 -0700

When you are part of an auto accident, whether your vehicle is involved or you are a witness to the accident, the most important thing to do is stay at the scene of the accident. It is against the law to flee the scene of an accident, even as a witness, until the police have cleared you to do so.

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Legalities of Going Without Auto Insurance

admin — Tue, 08 Jul 2008 14:46:27 -0700

Many people might think that going without car insurance is something that they can do. Often, people do not get auto insurance because they do not want to pay for it, and they think that the only problem is that it will be more expensive if they get into a car accident. Therefore, they do not think that they actually need auto insurance.

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How Much Auto Insurance Do I Need?

admin — Sun, 29 Jun 2008 07:00:48 -0700

The amount of auto insurance you need depends on a variety of factors, including the year, make and model of your vehicle, as well as any requirements you have for leased vehicles, vehicle loans and state minimums.

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Five Steps to An Auto Insurance Claim

admin — Wed, 11 Jun 2008 06:48:53 -0700

When you’ve been involved in an auto accident, it’s sometimes difficult to decide what to do and how to handle things. Filing a claim with your auto insurance company is not difficult, but it is important. Here are five steps to filing an auto insurance claim in the easiest possible way.

1. Decide if you’re going to file a claim.

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Collector Car Auto Insurance

admin — Tue, 03 Jun 2008 05:43:40 -0700

To many auto enthusiasts, their collector cars are their “babies” which is why finding the best collector car auto insurance possible is essential. Finding collector car auto insurance is a little different than getting typical auto insurance for your “everyday” car. Many people forget that their collector and special interest cars are not quite the same as their regular vehicles and should have extra protection.

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PIP Auto Insurance-Basic Protection

admin — Wed, 21 May 2008 05:03:39 -0700

More than 46 states require drivers to have personal injury protection auto insurance. Be prepared to pay heavy fines and risk having your automobile license plates cancelled if you live in a state that requires PIP insurance, and you are caught driving without it.

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Comparing Auto Insurance Policies

admin — Mon, 12 May 2008 07:29:07 -0700

When you're looking for a car insurance policy, it's a good idea to get quotes from several different providers. Rates and coverage can vary greatly from one company to another. The best way to be certain that you are getting the best possible deal on your vehicle insurance is to see what options are available to you. Gathering information about a number of different policies allows you to make an educated decision about your vehicle insurance.

Requesting Quotes

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Auto Insurance: How to Avoid Car Thieves

admin — Thu, 08 May 2008 13:08:57 -0700

About twice every minute, a car thief slips into someone’s prize automobile and drives away with it. For far too many of those car owners, insurance will not cover the full cost of replacing their car – or all the incidentals that cost them money while they wait for the insurance company to make a decision. Theft insurance is expensive, especially if you own a car that is considered ‘desirable’ by thieves, and it may not cover you in full for your losses if your car is stolen.

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Auto Insurance for People with Disabilities

admin — Mon, 05 May 2008 05:39:26 -0700

There are plenty of myths circulating about auto insurance for people with disabilities. Some people believe it’s impossible to get, some that it’s prohibitively expensive. Both of those beliefs are in fact untrue. Depending on the disability involved, it’s actually illegal for any insurance company to discriminate or charge higher premiums solely on the basis of the disability.

The Americans with Disabilities Act: Guaranteed Protection

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Five Tips to Lower Your Auto Insurance Premiums

admin — Thu, 01 May 2008 05:44:45 -0700

Are you paying too much for your auto insurance? Nearly everyone can probably shave a few dollars of their insurance premium by using a few common sense tips and suggestions. Here are five things you can do to ensure that you are paying the lowest possible premium for your automobile insurance.

1.Drop comprehensive coverage from your auto insurance.

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Auto Insurance for Seniors

admin — Sun, 27 Apr 2008 05:12:39 -0700

Seniors are actually among the safest drivers on the road – they have more years of driving experience than anyone else, don’t speed or drive recklessly and tend to obey the rules of the road. Anyone who is still driving is entitled to auto insurance, regardless of age – although a driver that is over 75 may find it difficult to obtain affordable auto insurance.

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Auto Insurance and Good Grades

admin — Sun, 20 Apr 2008 19:01:39 -0700

There are many important things to consider about auto insurance. One of the things to remember is that as your children grow up and end up at driving age, you'll have to add them onto your insurance policy so that they can also be covered as they are driving your car. It is important to remember that adding your children can be an expensive maneuver, but if you know what you are doing, you might actually find that it can be cheaper.

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Auto Insurance Coverage for Small Business

admin — Sat, 19 Apr 2008 07:42:54 -0700

Small businesses need a variety of different insurance coverage, and one of the more common forms of coverage needed is auto insurance. Auto coverage for small businesses can be a gift or a curse depending on your insurance agent. There are many different factors that you need to consider when you are ready to purchase auto coverage for your small business.

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Finding the best deal on auto insurance

admin — Tue, 15 Apr 2008 06:10:38 -0700

Auto insurance can be expensive, but with the legal ramifications and repair costs that could be associated with not having it the alternative can be much more costly. This doesn’t mean that you should just go out and take whatever offer you get for your insurance, of course; taking the time to shop around and find the best deal on your auto insurance can save you a lot of money and help you to get a better policy overall. In order to help you with your search, here are some basic considerations to keep in mind when shopping around for a new auto insurance provider.

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