Every vehicle owner needs at least Liability coverage (or make other arrangements to comply with financial responsibility laws in few states) to be able to drive legally but majority of them buys Collision and Comprehensive coverage to protect their own automobiles as well that makes their policies full coverage, which is a blanket name for…
Continue readingCoverage & Policies
First priority should always be getting the right automobile insurance coverage and policy. Then, you can use our tips to find cheap auto insurance premium for the cover.
How Do I Find Out What My Car Insurance Covers?
After a while people may like to refresh their memories. Then, they will find the most important details of their auto insurance easily on the declaration (dec) page, which is usually the first page of their policy documents. Having a look at it will quickly reveal the information needed. Motorists can find out if they…
Continue readingOut of State Auto Insurance Coverage
Vehicle insurance policies are flexible enough to provide coverage for travels in other states and even in Canada for shorter periods without needing any special arrangements. However, this changes when the stay becomes longer. There are circumstances that require special policy coverage arrangements to accommodate the need to stay in two different states for longer…
Continue readingFull Coverage Auto Insurance Is Often the Better Choice
For a long time, insurance premiums were stable and in general people weren’t as worried about costs. Lately, with inflation affecting costs, companies often had no choice but to increase their prices. As usual, many of them were probably looking for a good excuse to adjust their rates, which were in check for some time….
Continue readingDoes Car Insurance Cover Engine Failure?
Insurance is one area people often don’t know what to expect or claim for. People either have very high or low expectations. While one group just pays most damages out of pocket others think that they can claim for everything that happened to the insured property or vehicle. Actually, it is pretty straightforward and it…
Continue readingWhat Is Mechanical Breakdown Insurance?
Even though they can be pretty comprehensive, a typical auto insurance policy has its limits and only pays for things that are totally out of the owner’s control. A blown up motor or other issues are expected and therefore they are within the scope of a Mechanical Breakdown or Car Repair Insurance that comes as…
Continue readingOwn Damage Automobile Insurance
In early years of vehicle ownership, many young people may have very little knowledge about coverage options. Considering how expensive premiums can get for a novice, they may just get a basic liability policy that enables them to drive legally. Some people actually think that is all they need and it will pay for all…
Continue readingHow Often Should I Change Auto Insurance?
Motorists should consider the changes in their lives and review their car insurance at least once a year to ensure their policy still meets their needs. They should start with getting out their policy documents and have a good look at the declaration page to see if they need to update anything there. This page…
Continue readingDoes Auto Insurance Cover Vandalism
Comprehensive coverage is usually bought as part of a full coverage car insurance and compensates for losses due to many perils including vandalism, which is an intentional act of someone causing damage to your automobile. This may be out of anger, attempt to break in, playing a prank or accidental and almost always paid by…
Continue readingWhat Insurance Coverage Do I Need If my Car Is Leased?
Leasing companies make sure the vehicle is covered properly because they would still own it even though you would drive it. Before they hand over the keys, they would require at least full coverage auto insurance, which includes Liability, Collision and Comprehensive. They may also ask for GAP coverage or include it within the leasing…
Continue readingAuto Insurance Child Not Living At Home
Having a teenage driver listed on your policy makes a noticeable difference to premium. However, it is even more expensive for young people to buy their own coverage. Another question to be answered here is should parents remove or keep children who left home on automobile insurance? The solutions are not often straightforward because they…
Continue readingAuto Liability Insurance Definition
By definition, liability is designed to indemnify others for damages the policyholder may cause and they are mostly voluntary, but not auto. Probably one of the first thing people hear when they consider owning a car is that they must buy insurance. In order to reduce vehicular accidents and help citizens after they happen, each…
Continue readingAuto Insurance Liability Limits
Automobile insurers hardly ever offer infinite coverage. Usually, the schedule specifies the maximum amount they are prepared to pay for each peril. You need to be aware of the constraints and consider if it is acceptable or you want to do something about it. You can increase car insurance liability limits to a more comfortable…
Continue readingWhat Is PLPD Car Insurance?
Different definitions and acronyms may be used in various parts of the USA to mean the same thing. Motorists must buy auto policies to comply with the laws of their state. And this compulsory coverage may have distinctive names depending on where you live or whom you talk to. So, we will have a look…
Continue readingForce 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 other 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…
Continue readingWho Is Covered under my Car Insurance Policy?
There are often times you may need or want to let someone else ride your vehicle. This could be someone in the family, girlfriend or boyfriend or just a friend. It could even be someone you hardly know. Quite a few people are comfortable with allowing others to operate their automobiles. But what auto insurance…
Continue readingWhat Is Comprehensive Auto Insurance?
The name may be misleading as it suggests a highly inclusive policy. Most motorists are pretty familiar with legally required Liability which doesn’t cover their own car. So, they need to build it up to a level they like, especially when they want better protection for their vehicles. At that point they come across this…
Continue readingDoes Insurance Cover Auto Theft?
It is probably best to divide this question as stolen cars and items taken from them. Owners must have Comprehensive auto insurance coverage to be able to claim for stolen cars and damages during theft. Sometimes, they are more interested in what is inside than the vehicle itself and thieves break in to get them….
Continue readingDoes Car Insurance Cover Other Drivers?
Most auto insurers want to know about people of driving age living with you in the same household because they include them in their premium calculations and on the policy. And, standard car insurance policies cover occasional drivers who may use your car on the off chance with your permission, providing there are no limitations and exclusions…
Continue readingWhat Happens If Car Insurance Premium Is Late?
Life doesn’t always go according to plan. People may have a bad month with unexpected or emergency bills and have no money in the bank when the premium is due. Most motorists know how valuable it is and wouldn’t want to lose coverage, especially over an oversight or a mistake somewhere. This view is often…
Continue readingTypes of Car Insurance Policies
Most motorists buy one of two kinds of policies, depending on the value of their automobiles, budget, risk preferences, individual circumstances and other factors that affect rates. Ordinarily, people are expected to make a decision based on cost-benefits analyses. However, all sorts of reasoning influence people’s choice. Let’s explore what is available in the market….
Continue readingWhat Is Third Party Car Insurance
States require every vehicle owner to buy at least Liability coverage for the damages and injuries they may cause to other people. So, a policyholder (vehicle owner) initiates the contact, arranges the coverage and pays for it and therefore becomes the first party. The insurer provides the required policy and so is the second party…
Continue readingWhat Is Standard Auto Insurance Coverage?
When people talk about a typical policy, they refer to standard car insurance coverage, which follows the common industry practices in the way they insure vehicles and drivers and stay within the usual limitations and restrictions. Average motorists, who have sufficient experiences and acceptable records don’t need to make special arrangements and they can get…
Continue readingState Minimum Auto Insurance
Every state is independent in the way they set their minimum liability car insurance requirements and every vehicle owner has to comply with these laws if they don’t want to face fines, license suspensions, vehicle impoundments, citations and even a jail sentence for repeat offenders. Liability coverage is usually a portion of a standard auto…
Continue readingWhat Is Auto Insurance?
Most motorists have a pretty good idea as to how helpful car insurance can be even if they have never had a claim and never hesitate to arrange decent coverage. 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…
Continue readingWhat Does Auto Insurance Cover?
Motorists first should figure out how much car insurance coverage they need before worrying about buying a policy. They should look at what is included in various types of policies to decide which would suit them best rather than start searching for the cheapest. The premium difference between a basic policy and a good one…
Continue readingWhat to Do if Car Insurance Is Cancelled or Renewal Refused?
No matter what is the cause, a lapse in automobile insurance coverage is a situation you should rectify as soon as possible. Not having it is a large financial risk; you may even be subject to fines, jail time and criminal charges in certain states. Who has done it or why it has happened is…
Continue reading10 Costly Auto Insurance Mistakes
When looking to renew, switch or get it for the first time, it is a good opportunity to assess current coverage needs. Many motorists forget about all the circumstances that can cause them undue financial hardship, which can be negated simply by buying the right policy. You can avoid making common car insurance mistakes if…
Continue reading12 Auto Insurance Coverage Recommendations
The reason you buy an automobile policy is the same as any other; it’s a way of smoothing out the costs of catastrophic accidents or financial distress caused by them. Adding more coverage may only cost few dollars per month. Yet without these protections, even a moderate crash could force you to pay thousands or…
Continue readingPenalties for Driving without Insurance
It is a large financial and legal risk to drive with no auto insurance, as it is not optional. There have been on-going arguments for and against it but it hasn’t been optional for a long time now and it isn’t likely to change any time soon. So, check what happens and learn how easy it…
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