Force Placed Insurance

Today, getting a mortgage to buy home or a loan for a vehicle purchase is a commonplace. One of the main reasons why banks and finance providers are comfortable with lending large sums of money is that houses and cars are good enough collaterals for loans and they can repossess them if the borrower doesn’t…

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What Is Comprehensive Auto Insurance?

The name suggests that almost everything is covered by this coverage but insurance is usually not that simple. This coverage is bought to insure automobiles against wide range of damages. Comprehensive car insurance definition is that it is a type of cover included in full coverage policies to pay for most damages to the insured vehicle,…

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Does Car Insurance Cover Theft and Vandalism?

Vehicles are usually one of the most valuable possessions most people own and they look after them well. However, automobiles still get stolen or vandalized even though their owners follow every precaution. That is why one of the first coverage questions you should ask when you are insuring your vehicle is does auto insurance cover…

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Does Car Insurance Cover Other Drivers?

When you are insuring your automobile you answer a few questions about yourself, your driving record as well as other drivers living with you or listed on your policy (even though they may not be living with you) because those drivers usually included on your policy. However, it is difficult to predict who else might…

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What Are the Different Types of Car Insurance Coverage?

Most motorists buy one of two types of car insurance policies, depending on the value of their automobiles, budget, risk preferences, individual circumstances and other factors that affect automobile insurance rates. Ordinarily, people are expected to make a decision based on cost-benefits analyses. However, all sorts of reasoning influence people’s policy choice. Let’s explore what types of auto…

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Third Party Car Insurance

When you buy a car the first thing you need to sort out is insurance. Actually, you can take the risk and not insure your vehicle for damages. However, you have to buy at least state minimum auto insurance in order to provide third party car insurance coverage for others who may suffer injuries and…

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Full Coverage vs Liability Car Insurance

Insurance policies offer protection for vehicle owners, drivers, third parties and lenders. The question of who needs to be protected determines the choice of liability or full coverage car insurance. Your circumstances can dictate the choices available to you as well and force you to get basic or full coverage. Various possibilities, options and choices…

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Standard Auto Insurance

When people talk about a typical policy they refer to standard auto insurance coverage that is offered to average drivers, who have sufficient driving experience and acceptable record. Such policies follow the common industry practices in the way they insure vehicles and drivers and stay within the usual limitations and restrictions. Most applicants can get typical car insurance…

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State Minimum Car Insurance

There are many different coverage options when you want to buy a policy. When the money is tight people tend to look for cheap state minimum auto insurance coverage to comply with the basic requirements of their state. There are good reasons for why each state has such vehicle insurance laws. First of all, state…

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What Is Auto Insurance?

Everyone probably has an idea as to what is car insurance. However, there is no harm in properly defining it and various coverage options in detail to avoid false expectations. Also, it is always a good idea to refresh your knowledge every so often because insuring a vehicle requires attention to detail. Auto insurance is a…

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What Does Auto Insurance Cover?

There are several ways of looking at insuring your vehicle. You may be asking what is the cheapest automobile insurance I can buy and it is answered in that post. Or you can keep reading to find answers to what should my car insurance cover before worrying about buying one. It is important to know all…

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10 Costly Auto Insurance Mistakes

When looking to renew your auto insurance policy, switching carriers or getting automobile insurance for the first time, it is a good opportunity to assess your current coverage needs. Many drivers forget about all the circumstances that can cause them undue financial hardship, which can be negated simply by buying the right coverage. You can…

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12 Auto Insurance Coverage Recommendations

The reason you buy automobile insurance is the same that you buy any insurance; it’s a way to smooth out the costs of catastrophic accidents or financial distress caused by them. Adding covers to your policies may only add dollars per month, yet even a moderate accident without these coverages could force you to pay…

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Penalties for Driving without Insurance

Auto insurance at one time in U.S. history was optional but this is no longer the case. In 48 states you are legally required by state law to carry the minimum mandatory car insurance as laid out by legislation in that state. Penalties for driving without insurance is regulated by state laws too. Only two…

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Cheap Liability Car Insurance

You have just bought a car and cannot wait to drive but need insurance first. If all you want to make sure is to be legal you need economical liability car insurance online because it is the fastest and most likely the cheapest way to insure your vehicle. Liability policies are bought to comply with the minimum…

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Cheap Full Coverage Car Insurance

After paying a lot of money to buy an automobile the next logical step would be to insure your investment. Then, you need to buy enough liability cover in case you or other drivers included in your policy cause injuries to other people or damages to third party properties. Insuring your vehicle against these risks that…

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How to Choose Car Insurance Coverage

Motorists try to pass the risks associated with driving a vehicle to insurers with a policy contract. It would be sensible to insure large part of insurable financial losses auto owners may face, providing premiums are affordable. That is why it is important to know how to choose auto insurance coverage and one way of determining it…

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What Is the Minimum Car Insurance You Need?

Often people ask what is the lowest level of car insurance coverage you would need. It is important to understand the real meaning of this question because what you need is totally different than what is required by your state. People should buy at least enough liability auto insurance to pay for damages and injuries they may cause. This…

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How to Choose the Best Car Insurance Coverage

The term best includes a few elements in it. It suggests that the policy is the best you can have after considering coverage, price and reliability of the insurer. Selecting the most suitable option requires you to carefully look at what is available. You need to take your unique circumstances into account as well. When you are getting quotes…

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When Does Liability Only Car Insurance Make Sense?

Today, most companies offer full coverage when you are seeking vehicle insurance quotes, unless you specify otherwise. They work hard on preparing attractive fully comprehensive policies with many additions. But, there are still times it may be alright just to buy liability only car insurance policies. So, when should you forget about the rest of the…

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Compulsory Auto Insurance Policy Limits

A compulsory auto insurance policy is basically the state minimum car insurance coverage you must buy. Insurers aren’t allowed to sell policies that fall short of these coverage limits. So, you really don’t need to worry about falling short of basic requirements since every policy sold must comply with minimum policy limits. If you want to learn…

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What Is Secondary Auto Insurance Coverage?

The idea of primary and secondary car insurance coverage comes from the fact that you cannot double dip on insurance. If you have two separate policies covering the same risk one becomes the first in line and the other supplementary. They may end up paying for different losses suffered by the policyholder but never pay twice…

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Does My Auto Insurance Cover Rental Cars?

If you have full coverage auto insurance how would it cover rental cars? This is a frequently asked question. Buying car insurance for rentals from the hire company is so expensive that you may want to make alternative arrangements beforehand. A standard auto insurance policy with full coverage will cover rental automobiles the same way…

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