Motorists try to pass the exposures associated with driving a vehicle onto insurers with a policy contract. It is important to identify large and financially crippling risks and ensure you are protected against them first and buy more if the price is right. So, it would be nice to strike a balance and buy a decent…
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.
What Is the Minimum Car Insurance You Need?
Often people ask what is the lowest level of auto insurance coverage you would need. It is important to understand the real meaning of this question because “should have” is totally different than “required by the state”. We will discuss both the cheapest available and how you can get enough cheaply in this post. Actually,…
Continue readingHow to Find the Right Level of Auto Insurance Coverage
You probably wonder if there is a magic formula to calculate the right amount of vehicle Insurance cover. Wouldn’t it be great if you could just fill details about yourself, other drivers, the cars and a few other things and the formula tells you what to include in your policy. In reality, opinions and personal…
Continue readingHow to Choose the Best Car Insurance Coverage
The term best includes a few elements in it. It suggests that the policy you have chosen beats all the rest after considering protection, price and reliability of the carrier and taking your unique circumstances into account. Selecting the most suitable auto insurance requires you to look at what is available in the market carefully first…
Continue readingWhen Does Liability Only Car Insurance Make Sense?
Today, most companies offer quotations for comprehensive policies, unless you specify otherwise. They work hard on preparing attractive full coverage packages with many additions. But, there are still times it may be all right just to buy the minimum legally required to drive. So, when should you forget about the rest of the readily available…
Continue readingCompulsory Vehicle Insurance Laws and Compliance
When unsuspecting, innocent bystanders, road users and property owners stand to lose because of the act of someone else driving a vehicle, states had to step in and make it compulsory for every vehicle owner to purchase at least liability insurance, which compensates third parties for injuries and damages suffered as a result of an…
Continue readingWhat Is Secondary Auto Insurance Coverage?
The idea of primary and secondary car insurance coverage comes from the fact that you cannot double dip when you have a loss. If you have two separate policies dealing with the same risk one becomes the first in line and the other supplementary. They may end up handling different losses in the same incident…
Continue readingDo I Need Insurance for a Car I Don’t Drive?
Do you have to keep a vehicle insured as long as you own even if you are not driving it any more? The answer isn’t straight forward as it depends on circumstances, usage and authorities. Registered keepers have to account for it and follow the state requirements. When you buy at least liability coverage you…
Continue readingDoes My Auto Insurance Cover Rental Cars?
We have a tendency not to check these things and turn up on the counter not knowing what to do. A standard car insurance policy with full coverage will insure rental automobiles the same way it does your own car. If you have an accident you will need to pay the usual deductibles. Buying it…
Continue readingJoint Car Insurance Policy between Unmarried Couples
Having an equal share of things always comes with its perks and it is the same here. Having both names on a schedule of coverage or deed may eliminate the disputes over who has what too. However, it may come with its problems like shared liability in the eyes of the laws. Assuming this is…
Continue readingWhat Is Non Owners Car Insurance
You can still get coverage even though you currently don’t keep an automobile. Auto insurance for non-owners can protect drivers, who don’t possess a car, against liability arising from an accident they cause while driving someone else’s vehicle. It is an interesting concept that may appear to come with little apparent use but you will…
Continue readingWhen to Drop Collision Insurance?
Certainly, it is a very valuable component to protect a vehicle against accident related losses. Under normal circumstances, it is a must when the automobile still has some value. And yet sometimes you may be justified to drop it, as it may be waste of money. We will look at when is the best time…
Continue readingWhat Happens if I Drop my Car Insurance Coverage?
Stopping coverage for a while may appear to be a good idea to avoid paying insurance premiums when the vehicle won’t be used for various reasons. But, motorists must take the automobile off the street to be able to do that legally and not get in trouble with the state authorities. They usually need to…
Continue readingWhose Auto Insurance Policy Children Go after Divorce?
There are ways to increase the total premium discounts all family members can benefit. You may have spent a considerable time to go over various angles and set them up. After a separation these arrangements now have to be untangled. It may be easier for two people to go their own ways but when there…
Continue readingWhat Does Liability Car Insurance Cover?
Although buying a car is easy and anyone can have one, driving a vehicle on public roads is a privilege, which requires compliance with the highway codes and state rules. Liability auto insurance is a system designed to compensate people who suffered from a traffic accident caused by other drivers. That is why it is…
Continue readingCheap Temporary Car Insurance Solutions
There are times you may need short-term auto insurance, driver or situation. Sometimes a solution may appear to be pretty easy like buying a policy for rental vehicles from the hire company. However, you may later find out that you have wasted money since you already had coverage for it. Understanding the circumstances well help…
Continue readingHow Much Does my Insurance Go up after a Ticket?
These days, auto insurance companies look at every detail they can obtain. Essentially, they like to make sure that good drivers get decent rates while they sort out the risky ones and penalize them with higher premiums. What is a better indication than traffic and speeding tickets? These are great signs of negligence and disrespect…
Continue readingCan Different Car Owners Share the Same Insurance Policy?
Multi-car insurance allows several automobiles to be insured under one policy and saves around 10 – 20% on overall premiums. Many companies offer this option and most of them only require that all the vehicles insured must be registered at the same address. Once this condition is met, they can belong to any member of…
Continue readingWhat Level of Auto Insurance Coverage Would Be Enough?
One of the key benefits of having a policy is that it offers peace of mind of knowing that you would be compensated if the worst happens on the roads. This would be a great starting point when making car insurance purchase decisions? This post will discuss how should motorists go about determining comfortable coverage…
Continue readingDo I Need Rental Car Reimbursement Coverage?
Motorists may have heard that people get given a courtesy car or told to hire one and it will be paid. Rental Car Reimbursement coverage is designed to pay for costs of a replacement vehicle during a period in which your own automobile cannot be used due to damages arising from any of the insured…
Continue readingWhat Are Car Insurance Policy Endorsements?
Any diversions from standard auto insurance coverage are usually dealt with endorsements that are special conditions or permissions. They are usually sold as popular packages and several customizations need to be noted separately. They are called “riders” as well and the ways of documenting terms and conditions of additional arrangements between a motorist and a…
Continue readingWhat Are Auto Insurance Comprehensive & Collision Coverage?
If you have a vehicle with some value and want to insure it properly you need to have at least these two optional components of a full policy. Unless it is a piece of junk, most cars are worth a lot of money even if they are older. Every extra costs money and therefore owners…
Continue readingIs my New Car Automatically Covered by Insurance?
People often go out to shop for a car over the weekend when their agents are closed so they may need an arrangement to tie them over. The implications are totally different when keeping the old one and replacing it. In both cases, most insurance companies offer coverage for this newly bought auto for a…
Continue readingHow Much Insurance Do I Need for a Car I Don’t Drive?
There can be many reasons why people still keep cars even though they don’t drive them. Then, they may want to save some money on vehicle insurance since some of the traditional covers are not required when the vehicle isn’t driven. There may be several ways to get additional discounts on traditional policies or there…
Continue readingShould You Change Car Insurance Deductibles?
Deductibles are often ignored or their functions aren’t appreciated and can be used just like adjustment knobs on a policy. When they are turned up the premiums can go down while the out-of-pocket amount in case of claims go up. That is why they should be seen as tools to fine-tune vehicle insurance costs and…
Continue readingAutomobile Insurance for Short Out of State Driving
Some motorists may need to take their cars across state lines due to work commitments or pleasure. So, they would naturally want to know the position with their car insurance coverage each time they take a trip. Let’s see if they need a new policy to comply with the requirements of the places they drive…
Continue readingCan I Get Discounts for Insuring Two or More Vehicles?
Up-selling and capturing friends and family of the customer is like bread and butter of most businesses and often people get further discounts when they purchase more than one item at a time. This same logic applies to buying auto insurance coverage. They have got to give some incentives for motorists, in a way, to…
Continue readingHow Much Auto Insurance Coverage Should You Buy?
One thing is sure that you cannot just buy some and hope that will be enough when you must make a claim. Although there isn’t a formula, a secret method or calculation to figure out how much car insurance one would need there are considerations that can help motorists decide what type of coverage would…
Continue readingShould I Buy My Car Insurance with Roadside Assistance?
It doesn’t usually cost much extra premium to buy auto insurance with Roadside Assistance. Sometimes they may even add it free to sweeten policy sales. But is it a good idea? It is hard to argue with a free or negligibly priced cover. On the other hand, well-known Breakdown Services have vans, trained mechanics and…
Continue readingWhat to Do if Car Insurance Is Cancelled?
At times, automobile insurers have no option other than cancelling the coverage. Perhaps not at an alarming rate but terminations happen and motorists get caught unprepared. Probably the first thing vehicle owners would be thinking is how to get covered again, if they can and want to still drive. So, they have to figure out…
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