Reasons Why Auto Insurance Is Important

Motorists can protect themselves from many eventualities by transferring the risks to an insurer with a car insurance policy and paying premiums in return. This way they are compensated when they suffer a substantial loss or face a large liability claim, as long as they have the corresponding coverage. This point is very important when…

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Can Insurance Companies Deny Coverage for Your Vehicle?

Yes, an insurance company has the right to decline insuring an automobile under certain circumstances. Most insurers have a list of ineligible vehicles, which they have already thoroughly assessed and decided not to provide insurance. They may also turn down insuring unique, heavily modified and high-risk automobiles. Additionally, they may decline to offer insurance coverage…

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Auto Insurance for Pickup Trucks

Many motorists like to own a pickup even though they don’t use it for any business purposes and many companies offer personal car insurance for pickup trucks. The premiums can be surprisingly cheap, depending on its size, safety features like airbags, use, yearly mileage, zip code and the insurer. However, pickup truck owners should inform…

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Low Mileage Auto Insurance Policies

If you are traveling less than 7,5000 miles a year you may be able to benefit from several car insurance policies geared for low mileage-drivers. A discount for low-mileage offers a percentage off of the cost of a standard policy. Although there are some companies who would offer a small discount for driving less with…

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Automobiles with Expensive Insurance Rates

From the car’s make and model to its safety features, engine power, and repair costs, insurers carefully assess the level of risk associated with insuring a particular car. While insurance rates can vary widely, certain factors make some vehicles more expensive to insure than others. Factors such as powerful engines, high-tech features, and the luxury…

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Electric Vehicle Insurance Costs

People are attracted to plug-in automobiles because they are cheaper to run in comparison to similar petrol options and they are environmentally friendly. EVs currently offer hardly any insurance advantages. It is important to point out that almost all insurers offer quotes as usual but they may generally be slightly higher. This position may improve…

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Motorists Prefer Car Insurance Websites to Agents

Until recently, agents strongly defended that online auto insurance services cannot be compared to knowledgeable human beings. Ironically, very quickly people moved their transactions to the Internet. Perhaps they don’t want to deal with anyone face to face or on the phone anymore. Consumers don’t want to be pressured into buying something that is either…

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When and How Does Auto Insurance Cover Towing?

Being stranded on the side of the road due to a car breakdown can be a stressful experience. While Vehicle insurance protects against various forms of damage, breakdowns are typically not covered by default. However, it is possible to include towing coverage through roadside assistance in your policy. When and how car insurance covers towing,…

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The 10 Cheapest and Most Expensive States for Car Insurance

Automobile insurance in the US is mainly regulated at the state level, resulting in different rules, minimum requirements, and varying premium costs. Several factors contribute to these differences, including state regulations, minimum coverage mandates, demographics, economic conditions, social factors, weather, road conditions, congestion levels, and competition among insurance providers. The state you live in has…

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How Does Pay-Per-Mile Auto Insurance Work?

If you are not driving your vehicle much you are a lot less likely to get involved in an accident and submit a claim. However, traditional vehicle insurance policies may not offer you enough savings based on low mileage and therefore motorists may need to look for innovative solutions like pay-per-mile car insurance to prove…

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Auto Insurance Costs for Station Wagons

Station wagons have been a staple in the automotive industry for decades, offering practicality, versatility, and spaciousness. They are known for their large cargo capacity and rearward extension, making them an ideal choice for families, outdoor enthusiasts, and individuals requiring ample storage space. Let’s dive into the world of station wagons, exploring their popularity, who…

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How to Get Reinsured If My Auto Insurance Is Cancelled?

State regulations play a significant role in determining the circumstances under which car insurance policies can be cancelled before reaching the end of the term. Auto insurance policies themselves also outline the specific situations in which insurers have the right to cancel policies. These situations typically involve material misrepresentation, insurance fraud, license suspension or revocation,…

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Should Teenagers Get their Own Car Insurance?

Obtaining vehicle insurance is a critical decision for teenagers embarking on their journey behind the wheel. It raises the question of whether parents should add their teenage drivers to their existing auto insurance policies or purchase separate policies for them. While both options have their merits, it’s important to carefully consider the factors involved in…

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How Much Auto Insurance Is Enough?

When you are in the process of purchasing car insurance, you have the opportunity to get better protection against accidents, unexpected vehicular losses and claims against you. It is legally required virtually everywhere anyway that you may as well check all your coverage options and prices when you are shopping for a policy. Spare a…

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What Is Proof of Auto Insurance Coverage?

Proof of auto insurance is required when you are registering a vehicle, are involved in an accident and pulled over by a police officer. It is provided by your insurer to confirm you have at least state required minimum coverage and include the company’s details, policy number, start and expiration date, policyholder’s name and insured…

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What Is Auto Insurance Misrepresentation?

The underwriting process starts with applicants providing details about themselves, their automobiles, other drivers and answering many questions. In the same way, claims start with a report from policyholders. Car insurance misrepresentation is lying in these processes to get cheaper rates or higher claim settlements and it is fraud. Any deliberate attempt to gain financial…

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What Is Physical Damage Coverage for Car Insurance?

Physical damage coverage refers to the insurance covers you buy to protect your vehicle from potential harm. When you purchase Collision and Comprehensive coverage together, you effectively safeguard your own car against a wide range of risks, including traffic accidents, fire, theft, vandalism, flood, storms, hail, and various other weather-related and accidental incidents. Consequently, these…

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Can I Pick the Right Auto Insurance On My Own?

Motorists are getting more and more comfortable with handling their own vehicle insurance arrangements thanks to boundless information online, various comparison websites and the official sites of their providers. For the first time in 2020 agents have lost the lead on being the first port of call for policies. Reports suggest that policyholders prefer interacting…

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