It is simply the state minimum car insurance limits you must have. Policies that fall short of these cannot be sold in the market. So, you really don’t need to worry about buying anything less than basic requirements. Having such coverage allows motorists to comply with the laws while delivering much needed financial support to…
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 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 this things and turn up on the counter and think about it. If you have full coverage automobile insurance how would it cover rental cars? This is a frequently asked question. Buying it from the hire company is so expensive that you may want to make alternative arrangements…
Continue readingJoint Car Insurance Policy between Unmarried Couples
Certainly having an equal share on 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…
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 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 the vehicle out of its garage. Would it be wise to drop automobile insurance policy for that period? What would the consequences be, if…
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?
Auto policies have many components and each provide different protections. You need to have relevant provision in order to make a claim for a particular loss. Believe it or not, there are many motorists who buy liability only vehicle insurance and expect that their own repairs will be paid for following a collision. So, it…
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 readingGrace Period for Car Insurance Late Payment and Renewal
Vehicle insurance companies are usually under no obligation to offer grace periods but they may do regardless of what the policy terms say. Coverage details, conditions and requirements are laid out in the documents and both parties must honor it. There may be times that they can make concessions. Grace period for a late premium…
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 readingMust I Own All the Vehicles to Buy Multi-car Insurance?
Motorists have all sorts of relationship status and policy needs these days. Multi-vehicle insurance is one of those provisions that vary depending on living arrangements and companies providing it. This post will look at qualification requirements, whose autos can be included and how much you can save. You need to own at least two vehicles…
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?
Many people may not realize that they may need another vehicle if theirs has to be repaired after damage and therefore not sure what happens then. You may have heard that people get given a curtesy car or told to hire one and it will be paid. Rental car reimbursement coverage is designed to pay…
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 left in it yet and want to insure it properly you need to have at least these two optional components of a full policy. Every extra costs money and therefore owners are expected to make choices. This post will define them, explain their use and discuss the…
Continue readingIs my New Car Automatically Covered by Insurance?
Normally, people go out to shop for a car over the weekend when their agents are closed that 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?
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 fine-tune a policy. That is why it is worth looking into various circumstances in which they can be good or bad. Drivers…
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 then 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?
Usually it doesn’t 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 Happens if Car Insurance Is Cancelled?
At times, automobile insurers have no option other than cancelling the coverage. People shouldn’t worry about this happening to them because they wouldn’t want to give up on premiums easily. They are known to increase rates and impose conditions but usually they are not keen to end it. Perhaps not in an alarming rate but…
Continue readingWhat Happens if I Pay my Car Insurance Late?
Say, you did not have enough money in the account and bank refused the next auto insurance premium installment demand. Quite many motorists face with similar problems and want to know what happens to coverage. It isn’t something you can take it lightly and you should remedy the situation pretty quickly because consequences of driving…
Continue readingIs Excluding My Roommate from Car Insurance Policy Wise?
In cases of people who live in the same household with you there is not a chance of considering them as occasional drivers. They are either in or out. They are either covered like most companies would insist or you specifically exclude them, providing it is permitted. Most proposal forms would ask about the existence…
Continue readingCan Someone Else Drive my Car If I Have Insurance?
It may be easy to just hand over the keys but owners are responsible for accidents and tickets involving their vehicles. People don’t care much about who was behind the steering wheel at times and go after the owner, as they know that usually insurance follows the car. So, never think that a question may…
Continue readingVarious Types of Full Coverage Auto Insurance and Costs
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 optional protections. They may not even understand some of them. It is always best to examine…
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