Auto Insurance Questions Archive for 2009

  • Who pays for injury claims?

    Usually, when we insure our car, we feel too confident that our car is protected. Especially when we think that we have the best insurance policy that has the most extensive coverage while having the most reasonable premium, we often overlook other factors. It is not uncommon that when we are involved in car accidents, there are many issues that … (more) September 22, 2009

  • Is car insurance affected by collision claims?

    Of course, the answer is yes. However, the effect of these collision claims on your car insurance varies on different situations, wherein many factors are considered. Some of such factors are the degree of the damage incurred, who is at fault, and even the state’s insurance legislations. But first, let us see the scope of collision claims in order for … (more) September 21, 2009

  • Does full coverage help when one’s car is stolen?

    It is a very depressing situation when your car is stolen. Especially when you have a lifestyle that is actually on the go, or if you desperately need your car in your job, losing it to thieves may not only mean headaches, but actually involves in the problem how would you bring your children to school, or how would you … (more) September 20, 2009

  • How can I save money on car insurance?

    We are all aware that our economy at present is already in hard times. We did not wish for this situation, nevertheless, we have to live with it. In this case, it is natural for us to save money as hard as we can. We cannot afford to waste our resources to unnecessary expenses. However, difficult economic times cannot justify … (more) September 19, 2009

  • Buying Car Insurance Online: A Wise Choice

    At this times when we are facing the bad effects of the global economic recession, you have no choice but to be thrifty or save money. In this line, getting car insurance right at your fingertips is questionable if it is wise. Now, be informed that 99 percent of people who purchase online say, “Yes!”  The data of the matter … (more) September 18, 2009

  • How to Choose Auto Insurance for your Car(s)

    Picking the best insurance company for your wheels is not as hard as it always seem. Whether you are a driver who’s looking for insurance for your new car, thinking twice for an investment or you’re simply not satisfied with your current company; tons of insurance are competing to win over your attention. Clicking on the internet is a sure … (more) September 17, 2009

  • What happens if I drive a car without insurance and I get into an accident?

    Driving is a tedious process and going through a hands-on process of overcoming a car accident can be a bit more difficult and time consuming. A lot of factors come in to play when we talk about specific situations, but in a bigger picture, it’s a lot more inconvenient for people who are always on the go. You would have … (more) September 16, 2009

  • What do I get from Full Coverage Insurance?

    Full coverage means having everything you need in case of an accident. The repair or other services related to the collision will be handled by the insurance company. Premiums for full coverage car insurance may vary depending on the insurance company that you’ve chosen. To some companies, full coverage is inclusive of medical costs for you and your passengers, while … (more) September 16, 2009

  • I’ve been planning to get full coverage insurance for my car. Do you think it’s a practical deal?

    All car owners are required to get an insurance policy for their car. Whether it be a teenage or adult driver, insurance is required for your vehicle to legally be able to move around. However, you should be aware of the fact that the label full car coverage insurance doesn’t exactly mean that you are completely covered, but it refers … (more) September 16, 2009

  • How points affect insurance premiums?

    In the field of car insurance, losses by policy holders are known as insurable interests. Losses which are considered as insurable interests are those which are to be compensated in the event of accident or car related mishaps. To monitor the compensations given to policy holders the insurance companies developed their own system of pointing car insurance holders. Every policy … (more) September 15, 2009

  • How can car insurance protect teenagers?

    Driving in the busy streets is a skill that is developed through habitual practice. This skill most of the time is improved through knowledge of the road gained from experience. A veteran driver who has a bad traffic record would automatically have a higher premium to compensate for his or her traffic record. On the other hand, a teenager who … (more) September 14, 2009

  • What’s the meaning of GAP insurance?

    Due to the necessity of using a car, combined with the bad economy we are experiencing, it is already common for consumers to have their car by the way of loaning or leasing it. Automobile loans and leases are very popular to the public who do not have enough cash to buy a car but still needs one, whether in … (more) September 13, 2009

  • What’s with a-day insurance premiums?

    We are very much aware that there are car rentals which offer 1 day rent, and that it is availed by many people who don’t have a car or have problems with their car, but needs one that day. Well, usually, that car is also insured by the one who rented also for a day. The same principle also applies … (more) September 12, 2009

  • What are car insurance deductibles?

    When we are talking about car insurance policy, we always encounter the word deductible. In fact, deductibles are one of the most overlooked components of car insurance. Usually, when talking about insurance policies, we tend to focus on premiums and coverage. Especially when one is looking for the most affordable and quality car insurance policy, we tend to focus on … (more) September 11, 2009

  • Do Hybrid Cars Bring Discounts?

    Finding ways in how to save on insurance? Planning to buy a new car because your old one is already dysfunctional or inefficient? This is a good time and opportunity for you. In these times, insurance companies are starting to give discounts to eco-friendly vehicles. In fact, many people are already doing so. We are all aware that choosing gas … (more) September 10, 2009

  • What’s with budget insurance companies?

    We are all aware that the world is experiencing a financial crisis. Our economy is not the way it used to be; unemployment is increasing, real wages are falling and many large companies are in hard times or worse, running bankrupt, with the notion “to big to fail” proven wrong. In this situation, there is already a growing proliferation of … (more) September 9, 2009

  • Do insurance rates drop when one reaches 25 years old?

    One of the major factors that car insurance companies take into consideration when adjusting insurance premium is the amount of risk that you can give to the company; the higher the risk factor, the higher the insurance premium. For example, the higher the probability that you would be involved in car accidents, or if you are likely to get claims … (more) September 8, 2009

  • Car Insurance for Young Drivers

    We know that some youngsters often met car accidents as a result of out-of-town escapades or late night driving due to busy schedules so it is best for them to get car insurance before it is too late. There are few things a young driver could to lessen the cost of the car insurance in his or her first four … (more) September 7, 2009

  • What are the different types of car insurance?

    Here are the types of car insurance that are available to those who are looking for car insurance for their car. First is the ‘Fully Comprehensive Auto Insurance’. As its name suggests, this is the most expensive and the most common type of car insurance. It is the most expensive, because it insures the owner of the car against all … (more) September 6, 2009

  • How to lower the cost of car insurance for teenagers?

    You could get car insurance for your teenager cheaper if you know what the things to avoid and not to avoid. First is the type of car your teenager is driving. Teens like to drive fast, so they want a sports car, but finding car insurance for a sports car would be quite expensive. Because remember higher the horsepower, higher … (more) September 5, 2009