When an individual applies for insurance coverage, whether it’s for their home, car, health, or any other type of policy, the insurer evaluates the details provided by the applicant. This information typically includes details about the insured property or individual, such as the value, location, previous claims history, or medical history. Based on this information,…Continue reading
Details of the car insured is a key factor affecting premiums. Hence, this site discusses the way automobiles insured in detail to help owners save money on auto insurance.
Pros and Cons of Staying with your Auto Insurance Company
Once you shop around, compare quotes and find a competitive and reliable car insurance company, it makes sense to stay with it until they lose their edge, prove not to be as good as you thought or something changes in your circumstances that make another carrier a better choice. Loyalty is a highly rated trait…Continue reading
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…Continue reading
Insurance for New vs Used Automobiles
Vehicles’ ages don’t affect the way they are insured but their value either forces owners to buy more coverage or allow them to drop some of it. Although it isn’t always the case, insurance for a used car is cheaper than for a new vehicle, mainly because of their values and the gap opens up…Continue reading
Can I Have Two Insurance Policies on my Car?
Generally, buying one policy for your car is easier, cheaper, uncomplicated and provides all the coverage you need. Companies are flexible enough to include most coverage needed. And you can always try another company if you don’t get the protection you want from your current carrier. It is hard to find a good and legitimate…Continue reading
Can You Insure a Vehicle with a Salvage Title?
No, car insurance cannot be obtained for automobiles with salvage titles. Salvage cars are those that have been deemed a total loss, rendering them too damaged to be worth repairing and legally unfit for driving. Once a car has been declared a total loss, it is typically destined for the scrapyard unless it undergoes sufficient…Continue reading
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…Continue reading
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…Continue reading
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…Continue reading
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…Continue reading
10 Cheapest and Most Expensive States for Car Insurance
Automobile insurance is legislated at the state level and therefore they have different rules and minimum requirements. Also, each has differing demographic, economic and social factors affecting costs as well as varying degrees of congestion, weather and road conditions. State you live in affects premiums more than many other factors so it makes sense to…Continue reading
How Buying Auto Insurance May Help You
Yes, you are legally required to buy at least state required minimum coverage virtually in every state, if you have any doubts about needing car insurance or not. In addition, even the basic coverage has many benefits from protecting your assets to avoiding fines and driver license suspensions. There are several types of vehicle insurance…Continue reading
Are Multi-Car Insurance Policies Cheaper?
Forty percent of families have two vehicles or more and they can easily place them under one policy and save money. Multi-car insurance policies are usually cheaper because carriers offer 10 – 20% discounts for combining automobiles in a household under one policy. Some companies like Progressive don’t even require people to be related as…Continue reading
How Much Auto Insurance Is Enough?
When buying car insurance, you have the opportunity to get better protected against accidents, unfortunate occurrences, unexpected 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 little time to determine what…Continue reading
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…Continue reading
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…Continue reading
Do I Need Insurance for a Car in Storage?
If the vehicle isn’t driven or not in drivable condition and kept in a private property or storage facility, you don’t legally have to insure it. However, you will need to submit an affidavit of non-use and return the registration and license plates back to the DMV to avoid getting penalized for dropping liability coverage….Continue reading
What Is Physical Damage Coverage for Car Insurance?
Physical damages coverage is a term used to mean the coverages you buy to protect your automobile against the damages it may suffer. By buying Collision and Comprehensive coverage together, you protect your own car against most perils like traffic accidents, fire, theft, vandalism, flood, storm, hail and most other weather related and accidental happenings….Continue reading
How to Renew Car Insurance Coverage Cost-effectively
Renewal period is a good time to have a good look at automobile insurance coverage and prices. This is your chance to go over your details, needs, make necessary updates to ensure you have the coverage for your changed circumstances. The easy option is to do nothing and to let it auto-renew but many factors…Continue reading
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…Continue reading
Is Insurance Cheaper for Manual or Automatic Cars?
Mainly what separates them is the differences between the two transmission boxes and their operational functions but that is enough for many people to go for an automatic for the ease of driving. Insurance premiums for manual cars are marginally cheaper in comparison to automatics. Costlier repairs due to more complex gearboxes and connected moving…Continue reading
Automobile Insurance Adjustments when Moving
You will need to inform your vehicle insurer of your new address so that they can make the changes to their records, adjust the premium accordingly and let you know. Even moving within the same city can affect auto insurance rates because it changes the risks associated with your new location like crime and accident…Continue reading
Advance Purchase Auto Insurance Discount
Some vehicle insurers offer a discount of around 5% when a customer decides to buy a policy well in advance of their current policy renewal date. Advance purchase car insurance discount is one of the less-known and hardly advertised savings that is available from many companies. This saving is not available in every state and…Continue reading
Would Insurance Cover If the Car Is Lost in the Wash?
Have you ever thought that a car can be totally lost in a car wash? This is exactly what happened to one driver. He left his automobile at a station and went to run errands in town. When he came back it was not there and the workers had no idea where it was. They…Continue reading
What is Car Insurance Fronting?
Vehicle insurance premiums are largely based on the details of the owner, who is usually the most frequent rider. That is why determining primary and secondary driver is usually necessary when you are looking for quotes. In an honest world, the primary is the person who uses the automobile most. However, people may not be…Continue reading
What Do You Need to Get Insurance on your Car?
The first thing you should sort out is insurance when buying a vehicle because it is needed by law and to be able to register it in most states. Typically, it is handy to have a valid driver license, title on your name and a permanent address to insure an automobile. However, there are exceptions…Continue reading
What if I Can’t Afford Car Insurance Premium
Virtually every state requires minimum car insurance coverage before you can drive. Not being able to afford the premium isn’t an acceptable excuse and therefore you cannot drive until you buy insurance. If you do, you will be breaking the law and face serious consequences. Basic state required coverage is reasonably priced in most states…Continue reading
Buying a Car Insurance Policy with Multiple Drivers
As long as they are from the same household, vehicle owners can buy auto insurance with up to 4 or 5 drivers, add someone later, buy policies together or even buy a multi-car insurance for their cars with some insurers. Other drivers or joint policyholders can be a spouse, partner, family member and even a…Continue reading
Primary and Secondary Driver Insurance
Primary driver is the person who uses the vehicle the most and determining who it would be affects auto insurance costs with most companies as they often attach a primary driver to an auto insurance policy to base their premiums on. When there is one car and driver to insure this isn’t a problem. However,…Continue reading
It Is Cheaper to Insure a Minivan than an SUV
Minivans are one of the cheapest cars to insure. They are pretty safe and not an attractive choice for drivers who are looking for power and speed. And yet many families across the US cannot do without them. They are designed to meet most budgets, parts are widely available and most mechanics can fix them….Continue reading