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…
Continue readingMotorists may need auto insurance for a short period of time for various reasons and depending on their requirements and circumstances they may have several options. Reputable car insurers usually offer policies for a six month period and they don’t sell anything for a shorter term but most of them don’t charge any fees for…
Continue readingThe average liability only car insurance premiums in the Old Line State are higher than the US figures. But the average rates for full coverage policies are lower than the country average. Unfortunately, ratio for uninsured drivers is at 14.1% and higher than the national average. States with dense populations, such as Maryland, experience elevated…
Continue readingThe Mount Rushmore State has one of the lowest auto insurance rates for state required minimum coverage. Full coverage policies cost well below the country average as well. Here is another state with a low population and well above average vehicle ownership with 147 cars for every 100 residents. The number of registered automobiles increased…
Continue readingMany drivers can buy car insurance even if they haven’t had coverage for some time or are obtaining it for the first time without encountering significant obstacles. However, individuals in these situations might be required to pay higher premiums compared to those with a consistent, long-standing insurance history. Auto insurers require a clear and verifiable…
Continue readingThe Show-Me State car insurance rates are fairly cheap for state required minimum liability only coverage. However, drivers have to pay almost four times more to buy a full coverage policy, which costs slightly below the national average. The state isn’t heavily populated in most parts to cause congestion, accidents, and high vehicle related crimes….
Continue readingAlmost from the moment there were vehicles on the road there had to be a solution to deal with the possible damages an accident can cause. Otherwise, it would lead to a social problem where either the sate or innocent victims had to pay for a loss caused by someone who chose to drive an…
Continue readingMotorists 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 readingOne contentious question that arises is whether car insurance is merely a commodity, a standardized product with little differentiation, or if there are substantial differences that set each policy apart. As automobile insurance can be viewed from different perspectives, it is natural that there will be people on either side of such arguments. This article…
Continue readingMotorists in Washington can enjoy affordable car insurance rates as the average cost of premiums are notably lower than the US average for both basic liability only and full coverage policies. However, the average cost of full coverage vehicle insurance is a lot cheaper than the country average and the premium gap between liability only…
Continue readingIn the Beehive State, car insurance rates are lower than the national average for both full and state required minimum coverage. The number and ratio of drunk driving related traffic deaths in this state is one of the lowest in the country. Utah has the lowest blood alcohol limit in the country at 0.05%, while…
Continue readingMotorists often search for alternative car insurance quotes and switch policies for several key reasons. These include finding a more affordable and/or better policy, a more reliable insurer, and improved customer service. Majority of policyholders proactively compare options and switch when they discover a more favorable deal. Additionally, a substantial portion of motorists react to…
Continue readingIn states with no-fault auto insurance, the term “no-fault” pertains solely to injuries resulting from accidents. Drivers are still held accountable for any property damages they cause to other vehicle and property owners. So, it is essential to recognize that fault continues to play a significant role and is determined after an accident in these…
Continue readingWhen you are involved in an accident while driving someone else’s vehicle and their insurance policy pays for the damages, the claim will typically be filed under their policy. This can affect their insurance rates for a certain period, usually 3 to 5 years, depending on their insurer’s policies and the specific circumstances of the…
Continue readingMotorists need to have full coverage car insurance if they want to be protected from weather related damages in all seasons including winter. State required Liability policies only compensate for injuries and damages insured vehicles cause to other people and doesn’t include any physical damage provision for own auto. However, Comprehensive coverage together with Collision…
Continue readingNebraska has cheap average auto insurance rates for state-required minimum coverage. Despite being 4.5 times more expensive than a liability only policy, the average cost of a full coverage policy remains below the national average, making it reasonably affordable. With a high auto ownership rate per capita, matching the number of cars to people, the…
Continue readingA car insurance premium is the amount of money you must pay to your insurer in order to obtain and maintain insurance coverage. A premium signifies the policyholder’s end of the bargain in an auto insurance policy contract, which starts with the payment of the initially agreed-upon installment or the full premium and can lead…
Continue readingDriving off-road on gravel, dirt, unmarked roads or fairly safe outdoors shouldn’t be confused with off-roading, which is an adventure or sport of driving a vehicle over rough terrain. A standard auto insurance policy won’t cover off-roading, even if you have a vehicle designed for going off-road like Jeeps or 4x4s. Not only your auto…
Continue readingThe good news for 917,000 licensed Hawaiian drivers is that car insurance rates are cheap in this state. Both the average costs of state required minimum coverage and full coverage policies are much lower than the US average and full coverage policies are relatively more affordable. And perhaps because of it, the ratio of uninsured…
Continue readingThere are 7.6 million licensed drivers in the Peach State and on average they pay slightly over the national averages for both liability only and full coverage car insurance. The ratio of uninsured motorists is at 12.4% and just slightly below the national average. Georgia is one of the most populous states and the second…
Continue readingThe state required liability only vehicle insurance coverage in Oklahoma is cheap as the average premium is about 1/3 lower than the US average. However, the average automobile insurance cost for a full coverage policy is fairly high and very close to the national average. The ratio of uninsured drivers has fallen significantly in recent…
Continue readingThe Tar Heel State has fairly cheap car insurance rates as premiums are well-below the national average for both state required minimum and full coverage policies. It has one of the lowest automobile ownership in the country with 840 cars per capita. The ratio of uninsured drivers at 7.4% is one of the lowest in…
Continue readingWhen motorists permanently move to a new state, they need new auto insurance policies to comply with the minimum requirements and rules of the new state they moved in. Even if their current insurer is operating in the new jurisdiction as well and they want to stay with the same company, the carrier has to…
Continue readingActivities causing drivers to take their eyes off the road are essentially distractions. Cell phones and other gadgets grab motorists’ attention and it leads to accidents. If motorists have full coverage car insurance, traffic accidents are covered under Collision coverage, which would pay for damages to your own car even if the crash was totally…
Continue readingDespite being one of the most densely populated areas in the USA with congested roads, car insurance rates in Rhode Island remain reasonably priced, even lower than the national average for both liability only and full coverage policies. However, the Ocean State has a significant uninsured drivers ratio of 16.5%. Given the higher likelihood of…
Continue readingTexting while driving violations can result in higher car insurance premiums, with potential increases averaging around 23%, as indicated by recent studies. However, the impact on premiums can vary depending on several factors, such as the state you live in and the policies of your insurer. Some states and companies may be less severe in…
Continue readingAs automobiles age, their worth diminishes at a rapid pace, reaching a point where insuring them for physical damages may no longer make financial sense. It is crucial to identify this juncture and refrain from paying unnecessary premiums to cover a vehicle that would yield minimal compensation if it were to be completely damaged. If…
Continue readingVehicle owners need to have physical damages coverage with Collision and Comprehensive on their car insurance policy to be protected against damages to their own automobiles. Collision coverage pays for traffic accident related losses. And most other damages to your automobile are covered by Comprehensive coverage that includes many perils like fire, theft, vandalism, falling…
Continue readingThe average auto insurance premiums in Kentucky slightly exceed the national averages for both minimum state-required coverage and full coverage policies. Kentucky features unique vehicle insurance regulations and price discrepancies that are worth exploring. The state has an uninsured driver rate of 13.9%, which is also above the national average. Additionally, the average annual mileage…
Continue readingWhere you reside plays a crucial role in determining the cost of your car insurance. Underwriters take various factors into account when assessing your address, including the frequency of auto thefts, level of traffic congestion, population density within your zip code, state regulations, exposure to natural disasters, and even the competition among insurers in your…
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