Tag Archives: Automobile
Ideas To Help You With Making A Decision About Automobile Insurance
Ideas To Help You With Making A Decision About Automobile Insurance
BAM! You just crashed your car. At this point, what happens next can depend on the quality of your car insurance. Before you crash your car, it’s important to find good answers to questions about what kind of coverage you need and who should provide it. This article will help you understand the complex world of auto insurance.
If you are putting less than 20% down on your car, make sure to look into getting GAP car insurance. Should you have an accident while you are still in the first year or two of payments, you may end up owing the bank more money than you would receive in a claim.
Check your insurance policy each year before it renews and see if there are any features you no longer need, or that you need to add. When your car starts to age you may consider removing full coverage on it but want to add a roadside assistance plan, for example.
Pay attention to the rate of theft for your model of car. Many of the top-stolen cars in the United States are more than ten years old, so even if you have an older model, you may still want to keep your comprehensive coverage. However, if you drive an older car that isn’t at risk for theft, comprehensive is probably an unneeded expense.
Check the costs to insure cars before you relocate. Annual insurance in New York is about ,800, as compared to the national average for 2011, of ,446 per year. Different states and different cities will cost you more or less for auto insurance, but remember to also check the prospective state’s minimum insurance requirements.
Know the value of your car and get coverage accordingly. If your car is old, then it probably doesn’t make sense to have full coverage on it, but you may want full coverage if you have a new car. Also, look into purchasing Gap insurance for the first couple years that you have a new, financed car that was purchased using less than twenty percent down.
When you are shopping for car insurance be sure to calculate all of the costs before taking the policy. You may be paying higher premiums for less coverage if you do not take the time to find out exactly what it is that you are paying for. Keep the deductibles in mind as you are calculating the cost.
Find out all of the available discounts that your insurance provider offers. There may be some discounts available that you did not know about when you opened your policy. You may have to take a driver’s course of some kind but it will increase your driving skills and reduce your premiums.
When you get in the car to drive to work each morning, you need to know, that should the worst happen, you have the necessary auto insurance to cover your liability costs and the damage to your car. If you put the tips in this article to good use, you will minimize the hassle involved in buying and using auto insurance.
Tips To Help You When Making An Automobile Insurance Decision
Tips To Help You When Making An Automobile Insurance Decision
Learn some tips that can help you choose the best auto insurance for you and your vehicle. You can figure out everything you need so that you will not fall for policy traps and how to save money by choosing a good provider who offers a plan with great coverage. It’s not so scary once you know the basics.
When insuring a teenage driver, save money on your car insurance by designating only one of your family’s vehicles as the car your son or daughter will drive. This will save you from paying the increase for all of your vehicles, and the cost of your car insurance will rise only by a small amount.
You can also get some substantial discounts on your auto insurance policy premium if you have an “insurance friendly occupation”. Insurance companies watch occupation statistics very closely and if they know that workers in certain occupations tend to incur fewer losses, then they might be inclined to offer a special rate for them.
When it comes to auto insurance and elderly drivers it is important to consider checking for signs that they should not be driving any more such as slow reaction time. This is very important to ensure their safety as well as making sure that their insurance rates do not skyrocket.
Although, it can be good to have all your insurance in one place, you don’t have to be slavishly loyal to your insurance agent. If you can get a better deal on car insurance from a company other than the one that carries your homeowners policy, by all means, change companies!
The best automobile insurance tips are the ones you’re able to think of on the fly. For example: If you’re contacting the insurer and asking questions, no one knows your particular situation better than you. Just make sure you cover all the angles here and ask questions that are pertinent to your situation.
Anyone shopping for a great rate on auto insurance should investigate the availability of group or affiliate discounts. Employer groups, professional associations and other organizations commonly negotiate special rates for their members, which can result in significant savings. Therefore, it pays to comparison shop with these types of potential discounts in mind.
Make sure to get a quote before you buy a new car. Insurance rates can vary greatly from model to model and you might be caught surprised with a very different quote after you buy the car. Treat car insurance like any other major purchase, like you would a house, for instance.
Ask your auto insurance company to give you a discount for being a member of any particular organization. Some auto insurers give discounts on your monthly premium if you are a member of a credit union, or even AARP. Not all companies ask about your memberships when you are applying for insurance, so make a note to ask them.
As you can see, buying the best auto insurance policy that you can afford that works the best for you and your vehicle isn’t as difficult as it may appear. It just requires doing research, getting documents in order and asking a lot of questions. The work will pay off once you see how it can help your vehicle.
How To Compare Low Cost Automobile Insurance In Washington
How To Compare Low Cost Automobile Insurance In Washington
If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist.
Some tips that may prove fruitful when it comes to comparing insurance policies are:
•If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington. You don’t want to get involved with a company that is operating illegitimately.
•Stick to your guns when asking for quotes. Many agents are very persuasive and will try and convince you that you need additional coverage. Ask for a quote for a specific amount of coverage from each agent and don’t be swayed.
•Ask about the accident procedure. Some insurance companies that offer low rates don’t offer the much needed support required after an accident. This can be a highly traumatic time for the policy holder, so you’ll want an agent who will be there for you.
•Inquire about having your policy renewed yearly as opposed to every six months. This can help by locking in a lower rate for a longer period of time.
Even though price is almost always the bottom line, the service provided comes a close second when it comes to automobile insurance. When asking for quotes take note of how the agent pays attention to your questions and requests. This can often be a good indicator of the type of service you’ll receive in the future.
What To Look For In A Full Coverage Automobile Insurance Quote In Florida
What To Look For In A Full Coverage Automobile Insurance Quote In Florida
Compared to most other states, Florida actually requires very little from its residents when it comes to the automobile insurance they are required to purchase if they wish to drive a vehicle on a public roadway in Florida.
If you have a good driving record you can legally drive your automobile in Florida if you purchase just ,000 of Personal Injury Protection (PIP) coverage and another ,000 in Property Damage Liability (PDL) coverage. If your driving record includes a crash or if you have gotten speeding or other tickets the state is allowed to force you to also buy Bodily Injury Liability (BIL) insurance before you can legally drive.
What does this minimum insurance cover? Not much, really.
Personal Injury Protection – PIP coverage – covers medical expenses for anyone in your vehicle if you are in a crash regardless of whose fault the accident is. If you’ve been to a doctor or spent even one night in a hospital or made even one visit to the ER in the past year then you know that ,000 in insurance coverage will barely cover the cost of a scratch to someone’s upper arm, let alone anything even remotely serious.
Property Damage Liability (PDL) insurance covers the repair or replacement of the other person’s car and certain other property due to a crash, regardless of whose fault the accident is.
Again, ,000 will barely cover the replacement of a bumper on many of today’s high-priced cars.
Bodily Injury Liability (BIL) insurance covers the medical expenses of anyone in the other car if you are in an accident. This insurance also pays for certain legal expenses if you are sued following an accident. Considering today’s medical costs you may wish to consider carrying as much BIL insurance as you can afford, especially if you have a home or other assets which you could lose in the event of a lawsuit.
If you want your automobile to be repaired or replaced in the event of an accident you need to purchase two additional insurance policies – a comprehensive policy as well as a collision policy.
As the name implies, collision insurance protects your vehicle in the event of a collision with another moving vehicle or with a stationary object, such as a tree or a light post or a guardrail. If your vehicle’s engine is running and your vehicle is moving when an accident occurs, then your collision policy will cover the cost to repair your automobile up to the limits of the policy or up to the Kelly Blue Book value of your automobile.
Comprehensive insurance covers repair or replacement of your vehicle if it is damaged by an “Act of God” – such as a tree branch crashing down on it during a storm – or if it is damaged by vandalism. Your comprehensive insurance also covers you if you hit a deer or other animal which causes damage to your vehicle.
So in Florida what you want to look for in a full coverage automobile insurance quote is:
• Personal Injury Protection (PIP) insurance
• Property Damage Liability (PDL) insurance
• Bodily Injury Liability (BIL) insurance
• Collision Insurance
• Comprehensive Insurance
Now you know exactly what to look for in a full coverage automobile insurance quote in Florida. The amount of each type of insurance that you choose to carry should be based on your personal assessment of the risks that you face each day, the cost of the insurance and the assets which you wish to protect.
Getting the best deal on full coverage automobile insurance in Florida is a matter of determining what you want in a policy and then comparing the price for that policy among all of the insurance companies in Florida. The best way to do that is through the multitude of automobile insurance comparison websites on the internet.
Just remember that since no one comparison website makes comparisons between all of the automobile insurance companies operating in Florida you really need to spend the extra time to make your comparisons on at least 3 different websites.
Once you’ve done that then basically all that’s left is to choose the best price that you find. Happy hunting!
What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin
What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin
Before you apply for a full coverage automobile insurance quote in Wisconsin, make sure you understand the difference between full coverage protection and liability coverage protection.
In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows:
•,000 of property coverage
•,000 of personal injury coverage
•,000 of death coverage
These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected.
At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection. Collision insurance protects you in the event your vehicle collides with another driver’s vehicle, and comprehensive insurance protects you in the event your vehicle becomes damaged due to something other than a collision with another vehicle, i.e. fire, theft, weather damage.
However, there is no one definitive kind of Wisconsin full coverage car insurance. Aside from collision and comprehensive protection, there are other kinds of coverage you can purchase. For example, you may be interested in underinsured motorist coverage. Wisconsin automatically includes uninsured motorist coverage in your policy; however, underinsured motorist coverage protects you in the event you’re involved in an accident with a motorist who has coverage, but doesn’t have enough coverage.
Another kind of auto coverage option is towing and labor costs. It may not be often that your car breaks down, but this is a handy kind of protection to have around if the inconvenient situation ever arises, as is rental reimbursement coverage for when you need to rent a vehicle while yours is being repaired.
You may also want to consider purchasing protection for your vehicle special features such as your sound system and your audio cassettes and compact discs.
EZQuoteGuide.com can provide you with free and instant full coverage automobile insurance quotes in Wisconsin.
How To Find Affordable Automobile Insurance In Tennessee
How To Find Affordable Automobile Insurance In Tennessee
One of the easiest ways to find affordable automobile insurance in Tennessee is to purchase only the state’s minimum car insurance requirements, also referred to as liability coverage. That is, if you can swing it. In Tennessee, those requirements are as follows: ,000 for Property Damage Liability, ,000 for Bodily Injury Liability per person and ,000 for Bodily Injury Liability per accident. By purchasing no more than those amounts of coverage, you’ll most likely find cheap car insurance in Tennessee.
If you choose to obtain cheap car insurance in Tennessee by means of purchasing auto coverage that handles only the state’s minimum car insurance requirements, your premiums may still vary from your neighbor’s. This is due to individual factors auto insurers use to determine your rates including gender, age, credit score, driving record and the type of vehicle you drive. However, paying for the lowest amount of coverage allowable still means you’ll most likely pay the cheapest Tennessee auto insurance rates for you.
Obtaining affordable automobile insurance in Tennessee through the state’s minimum car insurance requirements provides the least amount of coverage. Trying to purchase auto coverage to satisfy only the minimum requirements causes other problems to arise. You see, not everyone is eligible to purchase basic liability car insurance. For example, if you financed your car through a bank or another lender, you may be required to purchase full coverage car insurance. Once you own the vehicle outright, however, you can enjoy cheap car insurance in Tennessee by switching to the state’s liability insurance requirements.
Remember, Tennessee’s basic liability coverage protects just that – your liability. You’ll only receive collision and comprehensive coverage if you purchase some sort of “full coverage” policy. If your budget or loan situation demands it, purchasing Tennessee’s minimum car insurance requirements in order to obtain affordable automobile insurance in Tennessee is ideal. You can always upgrade to a full coverage insurance policy when you’re ready.