Things to Know when Buying Car Insurance

Perhaps you feel like an expert in the subject since you have been arranging coverage for years. However, there is no harm in refreshing knowledge. Knowing a few small details about things like easy discounts, useful protections, risks and premium calculations can help you make a good decision. Here are 10 points to be familiar…

Continue reading

Cheap Auto Insurance for New Drivers

Arranging the first policy for a freshly licensed motorist is a challenge in many aspects. This post will try to help you make it easier by looking at the hurdles, determining good coverage, choosing the right car and finding the discounts that can make automobile insurance more affordable. Statistically first year of driving is the…

Continue reading

How Does Car Insurance Work?

Generally, you insure to meet responsibilities to third parties, receive compensation for your own vehicle related losses and provide protection for family members. What should be included in automobile insurance coverage to deal with exposures in relation to driving a vehicle, various other risks and how much do different options cost are some of the…

Continue reading

How Do Car Insurance Deductibles Work?

Personal circumstances and preferences can play an important role in choices made in this area. Some people like to keep auto insurance deductibles as low as possible and some may have to go low due to financial strains. However, it can be a great tool to reduce premiums. When you are struggling to afford the…

Continue reading

Is Insurance Cheaper for Newer or Older cars?

Many policyholders are concerned that premiums would increase a lot when they replace an old clunker with a latest and more expensive car. This switch doesn’t always result in increased rates because there are mitigating factors. Also, the cost difference between new and used auto insurance may be negligible to worry about, especially if they…

Continue reading

Do You Need Insurance to Buy a Car?

It is exciting to start test-driving. But do you need to sort out insurance before you can buy an automobile? You should know the answer to this question before setting off. Often people get carried away and end up putting the money down for it before the day is over. Things can get complicated when…

Continue reading

Stacked and Unstacked Auto Insurance Coverage

Stacking is an option to add coverage for different vehicles on top of each other and claim larger sums in one occurrence. It can be a contentious issue at times. It is generally used in relation with Uninsured and Underinsured Motorist Coverage. Significance of Stacking Uninsured /Underinsured Motorist Coverage Where allowed this gives the option…

Continue reading

Does a Salvage Title Affect Insurance?

A salvage title vehicle is usually cheap to buy. That is one of the reasons why people are attracted to them. However, motorists should be aware of a few facts about buying such automobiles and getting salvage car insurance. Some of rebuilt automobiles may have had only cosmetic damages with little or no damage to engines. On the other…

Continue reading

Insurance for Occasional Drivers

Vehicle insurance policies are written based on particulars provided by policyholders. And the assumption is that they are usually accurate and true. However, you may borrow your car to someone else occasionally. Although auto insurers know about the listed drivers they don’t know anything about occasional drivers. However, these occasional drivers may be ignored when calculating premiums since they don’t…

Continue reading

Why Buy Packaged Car Insurance Policies

Package auto insurance policies may allow motorists to buy more coverage than they would otherwise be able to afford. A few additional covers are thrown in policies at nearly cost prices. Some insurers prefer to increase the protection provided by their policies to make them more attractive, rather than cutting their prices. If you have liability…

Continue reading

How Car Insurance Policies Cover Passengers

Automobile accidents can be terrifying. They can be even more scary when a driver doesn’t have vehicle insurance coverage (or has insufficient cover) to pay for third party damages (when at fault) and own losses. All the states in America have at least minimum liability policy requirements before anyone can start driving. This policy protects…

Continue reading