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 readingInsuring Automobiles
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 readingWhat 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 readingInsuring Multiple Drivers on One Car Insurance Policy
Vehicle owners have the choice, and in many cases, the obligation, to acquire auto insurance policies that offer coverage for multiple drivers residing in the same household. This allows for the inclusion of up to 4 or 5 drivers in a single policy. The drivers eligible for inclusion in these policies can range from spouses,…
Continue readingPrimary 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 readingIt 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 readingCar Insurance without Permanent Address
There are times people may be in between addresses. They are out of a location but haven’t yet moved to a new place. And there are people who don’t have anywhere to call home. Some may actually sleep in vehicles. Those people need coverage for their automobiles too. So, is it easy to get car…
Continue readingDoes My Insurance Follow Me or My Car?
It can be challenging to fully understand the coverage offered by your vehicle insurance. Although each policy is different in its wording, this question can be answered based on standard policies that follow widely accepted industry practices. Essentially, auto insurance policies have several types of coverage and each can act differently in the way it…
Continue readingAuto Insurance Non-renewal: Common Causes & Replacing Coverage
Vehicle insurance renewals provide an opportunity for both the policyholder and the insurer to review the policy and make a decision about its continuation based on the current information. This means that a policyholder can explore other options and switch to a more favorable deal if available. Additionally, insurers typically reassess the risk associated with…
Continue readingWhat Is Gap Insurance?
Automobile values depreciate fast in the early years and most lose at least twenty percent of their value in the first year alone. A standard auto insurance policy insures a vehicle’s depreciated value and only pays its current value even if it is totalled. This creates a problem if you took out a loan with…
Continue readingAverage Insurance Rates by Car Model Types
Auto insurance rates for a specific vehicle can be influenced by several factors, such as the make, model, trim, age, price, safety ratings, repair costs, and accident data. Understanding the vehicle rating process by insurers can give drivers a general idea of whether a particular car type would be costly or affordable to insure. This…
Continue readingSame Day Auto Insurance Coverage
Nowadays, obtaining several car insurance quotes, selecting the most appropriate option, and purchasing a policy can be accomplished in just an hour or two through online platforms. Alternatively, an independent insurance agent can expedite the comparison-shopping process on your behalf, often returning with their top recommendations within a few minutes. Therefore, drivers should not overlook…
Continue readingCan I Insure a Car I Don’t Own?
A driver can insure a car belonging to someone else and it may be the best option in some circumstances. If the vehicle is driven by someone else who isn’t living with the vehicle owner, it makes sense the person who drives it buys the insurance and lists the owner as “additional interest” on the…
Continue readingAuto Insurance Coverage for Tornado and Wind Damage
Tornadoes, gusts, windstorms, and thunderstorms have the power to unleash destructive forces upon vehicles, causing significant damage and financial burdens for their owners. Understanding the coverage provided by car insurance policies is essential to safeguarding against these natural disasters. By having comprehensive coverage in their policies, policyholders can protect their vehicles from a range of…
Continue readingHow Much Auto Insurance Do I Need?
Buying a minimum liability vehicle insurance is a legal requirement for anyone who is planning to start driving. Since it is an unavoidable expense you should invest a little time to figure out what is the best coverage for your circumstances. Then, you should look to find the best price because it would allow you…
Continue readingWhy Do You Need Auto Insurance?
You may only see it as a burden right now, especially if you are young and paying high premiums. However, it can protect you from fines, financially ruining liability claims and pay for damages to your vehicle. Car insurance is something you don’t want to find out how useful it can be after you suffer…
Continue readingDriving and Auto Insurance: Legal Requirements and Risks
Driving a vehicle on public roads comes with legal obligations, including the need for auto insurance coverage. Each state has its own set of minimum insurance requirements that motorists must adhere to if they want to drive legally. In the event of an accident where the driver is deemed at fault, they are liable for…
Continue readingWhen Does a Personal Auto Need Commercial Insurance?
Personal car insurance policies provide coverage for everyday use of vehicles, such as commuting, shopping, or leisure travel. However, when it comes to using your car for business purposes, personal auto insurance may not offer adequate coverage. It’s crucial for vehicle owners to carefully consider the use of their automobiles in carrying out business activities…
Continue readingTop Tips for Affordable & Protective Auto Insurance Coverage
The importance of finding the right balance between being over and under insured in vehicle insurance cannot be overstated. Being over insured leads to unnecessary expenses for protection that one could afford, while being under insured leaves individuals vulnerable to significant financial losses. The key is to transfer the risks for potential financial hardships to…
Continue readingSafest Automobiles to Own
Determining the safest cars to own involves considering factors like crash test ratings, advanced safety features, and overall reliability. It can be challenging to navigate through the numerous features and car styles to find the best protection for your family. However, there are two organizations dedicated to evaluating cars that can provide valuable guidance. Checking…
Continue readingDoes Auto Insurance Cover Hail Damage?
Hailstorms can be a car owner’s worst nightmare, causing extensive damage to vehicles and burdening them with expensive repair costs. From small dents to shattered windshields, hail can wreak havoc on cars parked outdoors. While we can’t control the weather, having the appropriate vehicle insurance coverage can serve as a vital safety net, particularly for…
Continue readingWhat to Know about Automobile Insurance – Infographic
Common Exclusions from Auto Insurance Policy Coverage
It is important for policyholders to understand that car insurance policies have limitations and exclusions. These exclusions are put in place by insurance companies to define the scope of coverage and to ensure the overall sustainability of the insurance system. This article aims to shed light on common exclusions found in auto insurance policies, explaining…
Continue readingAuto Insurance Coverage for Permissive Use Drivers
Permissive use driver is someone who isn’t listed on the policy and not part of the policyholder’s household and drives the vehicle insured with the permission of the owner. Vehicle insurers normally require that everyone in driving age in the policyholder’s household should be notified, rated and included in the policy so they cannot be…
Continue readingHow Does Auto Insurance Windshield Coverage Work?
Arranging appropriate car insurance coverage for it protects policyholders from the costs of repairing or replacing their vehicle’s windshield in the event of damage. Windshields are susceptible to various hazards, including rock chips, animal collisions, falling debris, and objects such as tree branches. Let’s explore the intricacies of auto insurance windshield coverage, including what it…
Continue readingSurprising Things Auto Insurance Doesn’t Cover
While vehicle insurance generally provides coverage for a wide range of risks associated with owning and operating a vehicle, there are some surprising things that may not be covered by standard car insurance policies. It’s important to review your specific policy or consult with your agent or insurer to understand the exact coverage you have…
Continue readingDebunking Common Auto Insurance Myths
Misunderstandings and false beliefs can often misguide drivers when it comes to choosing the appropriate insurance coverage that suits their needs. These misconceptions can result in confusion, unwise choices, and potential financial difficulties. Those who hold onto these false beliefs may face unexpected surprises when they encounter an accident or loss without adequate coverage. It’s…
Continue readingAutomobile Insurance Facts You Should Know
Vehicle owners may find themselves unsure about the extent of their coverage in specific situations, or they may hold misconceptions about their level of protection, even after years of buying car insurance policies. It is essential for motorists to communicate with their agents and providers to obtain accurate information about their policies, rather than assuming…
Continue readingClassic Car Insurance: Key Considerations and Best Practices
Insuring a classic automobile requires special attention due to the unique nature and value of these vehicles. Unlike regular cars, they often hold sentimental value or are sought after for investment purposes. Whether you own a 1969 Chevrolet Camaro or a 1964 Pontiac GTO, there are important considerations when obtaining insurance coverage for your classic…
Continue reading10 Secrets Auto Insurance Companies Don’t Want You to Know
Vehicle insurance companies influence the way motorists perceive certain terms, deploy tactics to increase policyholder retention, profits and reputation and develop new algorithms to differentiate premiums as much as possible. These efforts are not top secret, deceiving or misleading but they certainly require better explanation. Then, policyholders can spot them easily and even use them…
Continue reading