Auto Insurance Questions Archive for October, 2009

  • What makes my insurance so expensive?

    Car insurance is expensive but so is driving without insurance. But let as set aside the driving without insurance thing and concentrate more on why is your car insurance expensive. There are factors that car insurance companies take on to consideration on how to weigh the amount of your car insurance. Let us first discuss the commonly known factors affecting … (more) October 31, 2009

  • What are the means to make your car insurance cheaper?

    Having problems with your expensive car insurance? Here are ways on how you can avail a car insurance that is very light on your wallet and does not compromise the good quality or policies of your car insurance: Have an alarm on your car: This could lessen the possibility of theft in your car. You can avail discount through … (more) October 30, 2009

  • What happens when you get into an accident and you have no car insurance?

    When a person gets into an accident there are a lot of things to think about and the problems that usually arise require money. Also, depending on the circumstance, a person will need a lot of it. When a person is insured then the problem will be solved in a lot simpler ways. However, if you do not have this … (more) October 29, 2009

  • Why should I get car insurance?

    Sometimes it is difficult to decide whether or not you actually need car insurance especially if you are on a tight budget. For some people they only get car insurance because they are required to do so but they will not get it otherwise. Many people do not see the importance of car insurance so they tend to ignore it … (more) October 28, 2009

  • What is a Full Coverage Car Insurance?

    Many people wonder what full coverage car insurance really mean. Full coverage car insurance does not really literally mean full coverage but rather it simply means that there is an option to increase the scope of the coverage car insurance that you are going to avail of. in most instances full coverage simply means the addition of the coverage of … (more) October 27, 2009

  • What if you often borrow someone else’s car?

    If you only borrow your friend’s or whoever’s car to drive on a certain occasion, you are definitely covered by his insurance. If you borrow it frequently, however, your chance of getting covered lessens. If you frequently borrow his car, you should get yourself added to his insurance policy. October 26, 2009

  • What if the driver is a learner?

    Car insurance often covers learning drivers but consent remains very important in this case. Usually, the name of the learner gets added to the insurance coverage of the car owner because learners are often teenagers borrowing cars from their parents to learn driving. October 26, 2009

  • What do you do if you’re going to drive someone else’s car?

    Check that you really have permission from the owner of the car. Consent is the key to getting covered by the owner’s insurance. Now, check whether the owner has his car insured and verify the comprehensiveness of his car insurance coverage. Inquire from your insurance company about the coverage of your insurance if it covers you when driving someone else’s … (more) October 26, 2009

  • What happens if the car is not insured?

    If the driver permitted to drive another’s car has himself insured, his insurance can cover the medical costs and liabilities if the owner does not have his car insured or cannot pay for secondary coverage. October 26, 2009

  • Does your car insurance cover other drivers not added to your policy?

    If your car gets involved in an accident with another driver behind the wheel, the question is whether it is only the car that gets covered by your insurance or the driver as well. The insurance prioritizes the vehicle first before the driver. If another person is permitted to drive another’s car, he is covered by the owner’s insurance once … (more) October 26, 2009

  • Does my type of vehicle affect my car insurance rate?

    The older your car, the lower its coverage should be. This is because it no longer needs as much protection as a newer one. Sometimes, it even proves to be more expensive to maintain a high insurance rate for it. The newer your car, the higher its insurance rate you get. Its replacement and fixing its parts is more expensive, … (more) October 25, 2009

  • Does your annual mileage affect your car insurance rate?

    The lower your mileage, the lower your insurance rate you get. Less time on the road allows you to be more avoidant of accidents. Knowing the frequency of your usage of the vehicle allow the car insurance companies to determine how much risks they are taking with regard to your car. October 25, 2009

  • Does your driving record affect your car insurance rate?

    Car insurance companies want to take as little number of risks as much as possible for them to keep their financial stability. They therefore check the driving records of their applicants to keep their risks at a minimum. The frequency of traffic violations and accident-involvement affects the driver’s application for an insurance policy, therefore. This is the insurance companies’ way … (more) October 25, 2009

  • Does your marriage lessen your car insurance rate?

    Married couples get lower car insurance rates because married men and women tend to care deeply for one another. Albeit biased-sounding, statistics prove this right. Such concern for each other and for the rest of the family provides a firm reason for insurance companies to ax insurance rates for married couples. This also allows multiple drivers under the couple’s insurance … (more) October 25, 2009

  • Does your gender affect your car insurance rate?

    Women tend to be more cautious and act less risky than their counterparts while driving. Consequently, they drive more safely. Because women are less aggressive and therefore take fewer risks, car insurance companies have fewer risks with them as opposed to the men they cover. Car insurance companies charge higher premiums for higher risks, therefore providing women less financial burden … (more) October 25, 2009

  • How does your age affect your car insurance rate?

    Experience earns the trust of car insurance carriers. Because of the dismal statistic performance of drivers under 25, car insurance companies prefer to give lower rates for older drivers, who they deem as more experienced on the road. Older drivers know how to avoid accidents better and follow the rules of the road strictly. October 25, 2009

  • Do women really get cheaper car insurance?

    Men do really get intrigued and sometimes envy women for having to pay their car insurance in a much lower or much cheaper price than what we males pay for our car insurance. And it is a frequently asked question for as men, why do women get their car insurance in cheaper price. To have a little more idea on … (more) October 24, 2009

  • What comes first– the license or the insurance?

    Usually, teenagers aspiring to drive get covered by their parents’ car insurance first before getting their license. Teenagers often borrow their parents’ insurance-covered cars to learn driving before they get their own car or get their driver’s license for them to borrow their parents’ cars. So, when teenagers have already secured their learner’s license, parents usually already add them to … (more) October 23, 2009

  • Should you get your teenager car insurance?

    Statistically speaking, teenagers get involved and worse, cause most road accidents. Car insurance carriers, therefore, have resorted to increasing the premium for coverage of teenagers. Despite the price increase, the statistics necessitate getting your teenager covered by insurance. The existence of inverse relationship between risk and price thus makes sense in this situation. Statistics present teenagers as more vulnerable to … (more) October 23, 2009

  • Is your teenager automatically covered by your insurance?

    The coverage of your car insurance depends on your insurance carrier. Some carriers offer to automatically add the new drivers to the policy; some require the individual addition to the insurance coverage. In both cases, however, your premium increases. Because the addition of your teenager to the insurance may not be automatic, be sure to research and understand its coverage … (more) October 23, 2009