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…
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.
Do 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 liabilities auto insurance…
Continue readingDoes 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…
Continue readingJoint Car Insurance Policy between Unmarried Couples
Can you buy car insurance jointly with your partner if you are not married? Who can you jointly buy auto insurance policies with? How is it determined whose name can go on a policy and whose cannot? These are the questions we will deal with below and mainly try to make sense of joint car insurance for…
Continue readingWhat Is Non Owners Car Insurance
Auto insurance for non owners can protect drivers, who don’t own a car, against liability arising from an accident they cause while driving someone else’s vehicle. Can you buy auto insurance without a car? Yes you can buy liability vehicle insurance coverage even though you don’t own an automobile to insure? Why would anyone buy insurance when they…
Continue readingWhen to Drop Collision Insurance?
Car owners often ask do I need collision insurance? Under normal circumstances, collision coverage is a must when your automobile still has some value. And yet sometimes you may be justified to drop it, as it may be waste of money. Vehicle insurers can be flexible in terms of coverage. You may be able to pick and choose…
Continue readingWhat Happens if I Drop my Car Insurance Coverage?
Dropping your auto insurance policy for a short while may appear to be a good idea to save on premiums. Say you are going away for couple of months and you won’t be taking your vehicle out of its garage. Would it be wise to drop your car insurance policy for that two of months? What would the consequences…
Continue readingWhose Auto Insurance Policy Children Go after Divorce?
Question: If you were on your parents’ auto insurance policy what happens if they divorce? Whose policy do children on driving age go in case parents’ separation? What is the criteria to determine this? Answer: The criteria is firstly who has the custody and secondly where the children live. The parent who has the custody probably has…
Continue readingWhat Does Liability Car Insurance Cover?
Auto insurance policies have many components and each provide different protection for policyholders. You need to have the relevant coverage in order to make a claim for a particular loss. Believe it or not there are many policyholders who buy liability only car insurance coverage and expect that they can claim for damages their vehicles sustained in collisions. That…
Continue readingCheap Temporary Car Insurance Solutions
There are times you may need short-term auto insurance to insure a vehicle, driver or situation. Sometimes solution may appear to be pretty easy like buying coverage for rental vehicles from the rental company. However, you may later find out that you have wasted your money since you already had coverage for it. Understanding the…
Continue readingGrace Period for Car Insurance Payment and Renewal
Auto insurance is a contract and its terms are covered within the policy. Like any other contract, both insurers and policyholders must honor it. There may be times that they can make concessions. Grace period for car insurance payment or renewal is one of those terms that may be applied loosely. Vehicle insurance companies are usually…
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. What is a better indication than traffic and speeding tickets? These are great indications of negligence and disrespect for the traffic rules that will lead…
Continue readingDo I Have to Own All the Vehicles to Buy Multi-car Insurance?
Question: When I marry with my partner, can I buy a multi-car policy for both of our cars? Does it matter that each of us own the cars we drive separately? Answers: Practices vary but I believe you don’t have to wait until you marry to get savings on auto insurance. As long as you are living…
Continue readingWhat Level of Auto Insurance Cover Would You Be Content with?
I am not talking about how much minimum coverage you must buy to be able to drive legally. That is generally easy as companies and brokers are not allowed to sell anything less anyway. However, how much vehicle insurance coverage would make you comfortable? What would be the main factors in your car insurance purchase decisions?…
Continue readingRental Car Reimbursement Coverage
What happens when your vehicle has to be repaired after an insured damage and you need to rent another car? People often ask who pays for the rental costs? Rental car reimbursement coverage is designed to pay for cost of rentals during a period in which your own automobile cannot be used due to damages…
Continue readingWhat Are Car Insurance Policy Endorsements?
What are vehicle insurance coverage endorsements? Any diversions from standard auto insurance policies are usually dealt with endorsements that are special conditions on your policy. Car insurance policies are usually sold as popular packages. Endorsements are a way of customizing a standard policy. They are called “riders” as well. They are additional arrangements between you and the…
Continue readingWhat Are Auto Insurance Comprehensive & Collision Coverage?
What are Collision and Comprehensive automobile insurance covers? Do I have to buy them or are they optional? Under what circumstances it is not wise not to have them? You will find the answers below. Liability auto insurance covers the damages and injuries you may cause to third parties. Every state in the US requires…
Continue readingIs my New Car Automatically Covered by Insurance?
Normally, people go out to shop for a new car over the weekend when their agent or broker is closed. Most insurance companies make a provision to offer coverage for this newly bought auto. The insurance arrangements are totally different when you buy a new car while keeping the old one and when the new…
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 car insurance since some of the traditional coverages are not required when the vehicle isn’t driven. There may be several ways to get additional discounts on traditional policies. Also, there may be different…
Continue readingShould You Change Car Insurance Deductibles?
It is often ignored or its implications aren’t understood properly. They can potentially influence the claim settlement or cost of coverage. That is why it is a balancing act or a tool to find tune a policy. That is why it is worth looking into various circumstances in which they can be good or bad….
Continue readingHow to Adjust Auto Insurance for Short Out of State Driving?
Some policyholders have to spend time in different states due to work commitment. So, what would happen to their auto insurance coverage each time they take their vehicles with them to work out of state? Would they need new coverage to comply with the requirements of the new state they are driving now? Or their existing…
Continue readingCan I Get Discounts for Insuring Two or More Vehicles?
Often customers get further discounts when they purchase more then one item at a time. Would this same logic apply to buying car insurance coverage? Would you get any discount if you buy insurance cover for more than one vehicle at the same time and from the same insurer? You should mention that you have a policy already…
Continue readingHow Much Auto Insurance Coverage Should You Buy?
Is there a formula, a secret method or calculation to figure out how much car insurance one would need? Really how anyone supposed to know how much coverage is enough? Just buy some and hope that will be enough when you need to make a claim? How much auto insurance you need depends on your…
Continue readingShould I Buy My Car Insurance with Roadside Assistance?
Usually it doesn’t cost much extra premium to buy car insurance with roadside assistance. Some companies may even add it free to sweeten policy sales. But is it a good idea? It is hard to argue with a cover provided for free or next to nothing. On the other hand, well-known breakdown service providers have…
Continue readingWhat Happens if Car Insurance Is Cancelled?
Perhaps not in an alarming rate but auto insurance cancellations do happen and policyholders get caught unprepared when it does happen. It is worth knowing what happens if car insurance is cancelled all of a sudden. Probably first thing vehicle owners would be thinking is how to get vehicle insurance after being cancelled. It is best to start with…
Continue readingWhat Happens if I Pay my Car Insurance Late?
What happens if I miss a car insurance payment or it is late? Say, you did not have enough money in the account and bank refused to pay the next premium installment to your insurer. What happens then, do you automatically lose cover? Can auto insurance companies cancel a policy without giving notice? You need…
Continue readingIs It Wise to Exclude My Roommate from My Policy?
Question:My car insurance company took details of my roommate when I was getting quotes and included him on the policy automatically. I believe that is why I am paying too much premium. His driving history is not very good. He has a way of picking all sorts of traffic tickets. Can I and should I…
Continue readingCan Someone Else Drive my Car If I Have Insurance?
Occasional drivers concern policyholders more often than them driving someone else’s cars. The following question are quite common; I want to be sure that my friends are covered by my policy when I occasionally allow them drive my car. If there is an accident I want to only deal with my insurance, rather than chasing my friends…
Continue readingHow to Evaluate Full Coverage Auto Insurance Policies
Some companies try to convince motorists by offering plenty extra coverage. It is fine if they are freebies but generally such policies are a bit more expensive. People can get confused with them and wonder if they need these extras. They may not even understand some of them. Motorists shouldn’t proceed with the purchase of any…
Continue readingBenefits of Bundling Home and Auto Insurance
You may have noticed that your home insurer asks about your car insurance when you speak to them. They want to know if they could quote for it and they are not shy about inserting that you could save money. You wonder, if it is a good idea to insure everything with the same company and even…
Continue reading