Most Recent Auto Insurance Guide in Auto Insurance Basics

• Missouri Auto Insurance Basics

  by Hayden Krueger

  It is against the law in most states to drive your car without car insurance. Every state dictates the required amount of insurance coverage that must be carried by drivers of their state. And each state sets the limits of this coverage which determines the highest amount your insurance company will pay out. The mandatory coverage is only a part of the automobile insurance that is meant to protect you, your family and other drivers on the road

  While you are only required to carry liability insurance, there are six area of coverage available to protect you and your vehicle. The minimum level of coverage that is required by each state varies. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  The Insurance Commissioner in the State of Missouri requires drivers to carry bodily injury coverage and property damage. The … Click here to read more

• Massachusetts Auto Insurance Basics

  by Hayden Krueger

  Each state has its own requirements in terms of auto insurance coverage. By tuning in to these specific requirements first, you can construct an insurance policy that meets the minimum requirements of the law and your own personal needs. We have the information you need to cover yourself in Massachusetts, including the specific coverage requirements for this state.

  Bodily Injury Liability

  Bodily injury liability covers other drivers and passengers that are injured or killed by your vehicle. It is very important to have this coverage, since a single lawsuit against you in this situation could devastate your family financially. This coverage also includes the cost of legal expenses and pain and suffering compensation that might be sought in the event of a lawsuit. Most bodily injury liability comes with limits, so victims cannot sue you for amounts well beyond your coverage and means. In Massachusetts, the minimum requirement for bodily … Click here to read more

• Kentucky Auto Insurance Basics

  by Hayden Krueger

  You must carry the mandatory insurance coverage that is required by the state of Kentucky to drive on the roads and highways in this state. The mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Here is some basic information to help you in deciding the levels of coverage you may want to include in your auto insurance policy.

  The six major areas of coverage for automobile insurance are what generally makes up most insurance policies. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  In Kentucky registered drivers are required to carry bodily injury liability and property damage liability. Some states allow you to prove financial responsibility through other means but in Kentucky you … Click here to read more

• Illinois Auto Insurance Basics

  by Hayden Krueger

  Car insurance can be a confusing issue, particularly in light of the fact that different states have different requirements. By understanding the requirements for Illinois, you will be better equipped to shop insurance companies for the best rates. This article will cover auto insurance basics, including the specific coverage amounts that are a must in this state. This important information will equip you to search for the lowest possible rates on the right auto insurance policy for you.

  Bodily Injury Liability

  Bodily injury liability covers anyone that is injured by your vehicle. This insurance pays the other person’s medical bills and reimburses them for any wages lost because of their injuries. If the person decides to sue for more damages, some bodily injury liability will also cover pain and suffering up to a particular maximum. While most states require this type of car insurance coverage, they vary in the amount … Click here to read more

• Delaware Auto Insurance Basics

  by Hayden Krueger

  Each state has its own mandatory insurance coverage that is required of their drivers. The mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Here is some basic information to help you in deciding the levels of coverage you may want to include in your auto insurance policy.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  The Insurance Commissioner in the State of Delaware requires drivers to carry three forms of liability insurance, bodily injury liability, property damage liability, and personal injury protection, or PIP.

  The minimums that are required are the highest amount that your insurance company will pay out due to injuries … Click here to read more

• Connecticut Auto Insurance Basics

  by Hayden Krueger

  Every state has its own mandatory insurance coverage that is required of their drivers. This mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Here is some basic information to help you in deciding the levels of coverage you may want to include in your auto insurance policy.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  The Insurance Commissioner in the state of Connecticut requires their drivers to carry bodily injury liability and property damage liability. You must carry this coverage by law. Some states allow you to ensure your financial responsibility through other means but in Connecticut you must purchase coverage through a … Click here to read more

• Colorado Auto Insurance Basics

  by Hayden Krueger

  Every driver who registers their vehicle in the state of Colorado must have the required automobile insurance coverage. Besides being the law, it is really a protective measure for you, your family and other drivers on the road. The basic components of car insurance break down into different areas of liability protection.

  Every state has its own mandatory requirements and levels of coverage. These levels are usually low and are the minimum amount that is required by law in your state. You may want to increase the amount of coverage to further protect yourself and your family.

  All totaled there are six major areas of coverage and then some extras that you may want to consider depending on your needs. The main coverage includes: bodily injury liability, property damage liability, personal injury protection or PIP, collision, comprehensive, and uninsured /underinsured motorist coverage.

  Your bodily injury coverage will take care of … Click here to read more

• Arizona Auto Insurance Basics

  by Hayden Krueger

  Car insurance is one of the necessary evils of life, and knowing how to shop for the right car insurance for your needs will ensure you enjoy complete coverage for the best price. There are a number of components to a car insurance policy and it is important to know what each one means and how it covers you in the event of an accident or damage to your vehicle. This article will cover the primary components of auto insurance, including specific requirements for the state of Arizona.

  Bodily Injury and Personal Property Liability

  This part of your auto insurance policy covers you if you injure another person or someone else’s property while driving your vehicle. Liability coverage is required in all 50 states, including Arizona. In fact, the minimum requirements according to Arizona state law are $15,000 per injured person for bodily injury liability and $10,000 for property damage. … Click here to read more

• Texas Auto Insurance Basics

  by Hayden Krueger

  Car insurance is required by every state with the only difference being the amount of coverage required in each area. The main purpose of automobile insurance is to protect you and your family in case of an accident that you may have caused or been involved in as a result of someone else’s negligence.

  The state of Texas requires their drivers to purchase the minimum amount of liability coverage while driving on the highways and byways in Texas. Other forms of coverage are also available and may be beneficial to protect you and your family even farther.

  If you still have an outstanding loan on your vehicle the lending company requires that you maintain adequate coverage for the vehicle until it is paid in full. If you do not provide proof of this insurance, the lending company will put an insurance policy in place and charge you for it in … Click here to read more

• California Auto Insurance Basics

  by Hayden Krueger

  Carrying just the right amount of auto insurance coverage takes some prior knowledge of the facts and requirements in the state of California. There are some things that are mandatory and there are some things that are just common sense.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection (PIP), Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage. Some of these coverage’s are mandatory in the state of California. Liability insurance is one that is required by the state.

  California requires you to carry the minimum amounts of liability insurance set by the state. You may certainly want to include other coverage options depending on your needs for you, your family and your vehicles.

  Bodily injury liability covers any damages that you may have caused another person if … Click here to read more

• Washington Auto Insurance Basics

  by Hayden Krueger

  When you drive your vehicle in the state of Washington, with just a few exceptions, you must have automobile insurance coverage. This insurance must be in place to protect you and other drivers in the event of an accident. And depending on the coverage you choose, it can also protect you if your vehicle is stolen, vandalized or experiences fire damage.

  The vehicles that do not require insurance coverage in the state of Washington are antique cars, any collectible vehicle that is 30 years old or older, publicly owned or state vehicles, and Washington Utilities and Transportation Commission common or contract carrier.

  If you are required to carry automobile insurance and are found to not have coverage, you will be fined $450 for having no insurance.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas … Click here to read more

• New York Auto Insurance Basics

  by Hayden Krueger

  New York city is known for its major traffic jams, overflow of cab drivers and a regular influx of visitors and tourists. The suburbs are not quite as congested but they have their share of fender benders. So what do you look for when you are purchasing car insurance? Here are the basics of New York auto insurance.

  Besides protecting you and your family in the event of a car accident, auto insurance is purchased to cut your financial liabilities that are a result of someone stealing your car, someone breaking into your car, or anything other than an accident that results in damage to your car.

  New York mandates the minimum amount of liability coverage you are required to carry. If you still have financing on your vehicle, your lender will require you to provide proof of insurance coverage. If you do not do this, appropriate coverage will be … Click here to read more

• Florida Auto Insurance Basics

  by Hayden Krueger

  With the influx of visitors to the state of Florida, accidents not only can happen, they do on a regular basis. The sunshine state is a mecca for a regular influx of tourists, vacationing families and college students on spring break. You may want to update yourself on exactly what car insurance levels are mandatory and which ones you may want to definitively put into effect right away.

  You must have adequate insurance coverage to protect you, your family and your vehicles from damage caused not only by accidents but from other causes. Theft and vandalism may occur but living in a state with a hurricane season, “natural disasters” have a better chance of damaging your car.

  You must carry the minimum amount of liability coverage mandated by the state of Florida. If you still owe money on your vehicle, the lending facility will require you to provide proof of … Click here to read more