Auto Insurance Questions Archive for February, 2010

  • Before I purchase a car insurance policy, what is the current average rate for car insurance?

    That depends on what state you are currently in. There are just what companies term to as “expensive states” (New Jersey, District of Columbia, New York, Louisiana, Maryland, Delaware, Rhode Island, Michigan and Alaska)  On the other hand; its counterpart, the “least expensive states” (Illinois, South Dakota, Iowa, Arkansas, Vermont, Hawaii, North Dakota, Nebraska and Ohio) is where policy holders … (more) February 28, 2010

  • Can my Parent own the Car that I’m Getting Insurance for?

    When purchasing car insurance for your teenager, one question that will always be asked is: if the parent or guardian can own the automobile that the insured teenager is driving. In most cases, the answer is yes, any parent can own the vehicle you wish to insure. However, there are conditions to this rule. The parent or guardian should live … (more) February 27, 2010

  • Why am I being ticketed for having a trailer? Is this Legal? Is this included in my insurance?

    First and foremost, you did not mention your current state. This is important because the law regarding trailers differs from state to state. What is considered to be illegal when it comes to trailers in Florida may not be under Mississippi law. But basically, it is not usually the trailer itself that gives the problem but the fact that you … (more) February 26, 2010

  • What is the SR-22?

    The SR-22 is a vehicle liability document that is required by the court of state law for anyone who had been convicted of certain traffic violations. This form is to be filed by one’s insurance company to the Department of Motor Vehicles and it proves that one has valid liability coverage. This document is usually associated with driving under the … (more) February 25, 2010

  • How will your insurance policy work when your car is stolen?

    Having a person’s car stolen is one of the worst things that can possibly happen to the owner because a car is one of the most valuable possessions a person can ever have. This is precisely the reason why insurance policies have been invented, offered and are currently required by most states. This is also why it is beast for … (more) February 24, 2010

  • What is a rebuilt or salvage title?

    The definition of a rebuilt or salvage title differs from state to state, but there is a general definition for such. Rebuilt or salvage titles, also called reconstructed titles, are placed upon vehicles that had been severely damaged or totalled, and were restored to operation. This title is to inform people about the history of the vehicle; that at some … (more) February 23, 2010

  • If you get into an accident driving a different car, can you claim using your insurance?

    Yes, car insurance policies will cover the damages that their holders have incurred, whether using their own vehicle or not. Their policies will pay for repair and other damages which have been caused by the insurance holder. However, it is not the first option, because the car which has been involved with the accident will cover the damages, as long … (more) February 22, 2010

  • What to do when caught in a car accident

    The best any driver could do to avoid accidents is to be careful, but sometimes even that is no guarantee especially out in the open road. As that popular bumper sticker saying goes: “S* Happens.” Over more than an average of 6 million car accidents are reported in the US alone. Accidents can hardly be prevented, but they can be … (more) February 21, 2010

  • I am a teenager, how can I get car insurance discounts?

    Getting car insurance among teenagers is very important for their protection. They often meet road mishaps because of their out-of-town escapades or late night driving due to busy schedules. Available statistics show that Male drivers who are under 21 are ten times more vulnerable to car accidents than male drivers aged 35 years and above or much the same … (more) February 20, 2010

  • Are There Different Types of Personal Injury Protection Coverage or PIP Coverage?

    For some states, like the state of New Jersey, when a motorist is applying for Personal Injury Protection Coverage, the motorist should specify what kind of car insurance coverage or PIP coverage he wants to include in his/her car insurance policy. Motorists should specify what coverage they want because in some states car insurance companies are to provide an array … (more) February 19, 2010

  • What are the Things that Car Insurance Companies Consider When Determining a Car Insurance Premium?

    A car insurance premium, which is the actual amount of money charged by a car insurance company to a  car insurance policy holder (policy holder is a motorist who has a car insurance policy), can be expensive or cheap. This depends on factors that a car insurance company takes into consideration. And these factors that car insurance companies that take … (more) February 18, 2010

  • What is car insurance theft coverage?

    Car theft can really affect you especially your car insurance premiums. It is estimated that at least 1 million cars are stolen every year in America and every 27 seconds a car is stolen.  Car theft and vandalism can affect insurance rates of drivers especially those drivers located in certain locations that cannot secure regular car insurance policy because of … (more) February 17, 2010

  • What is the uninsured and underinsured motorist coverage?

    There are still drivers who do not posses car insurance or even underinsured. With the uninsured and underinsured motorist coverage, you can still receive payments for accidents caused by these drivers. The uninsured motorist bodily injury or UM will cover you, other family members and your passengers that are insured if you will meet an accident, damages or … (more) February 16, 2010

  • What coverages are optional and what are required?

    There are a bunch of different car insurance coverages that different car insurance companies offer to their customers and car insurance policy holders. Some of these car insurance coverages are required by the law in different states. Those should be included in a car insurance policy, and also some which are optional, not mandated by the law but are still … (more) February 15, 2010

  • What are the different types of car insurance coverage?

    Whenever you are getting car insurance, it is important for you to know the different car coverage that car insurance companies offers. This is because of the fact that your coverage actually determines how much are you protected. Remember that the reason why the government requires you to have car insurance before you can drive your car legally is because … (more) February 14, 2010

  • How do companies determine premiums according to age?

    Car insurance is required to all drivers who own a car, whatever age they may be, and wants to drive it legally. In fact, the minimum state requirements for car insurance are applicable to drivers of all ages, whether they may be teens, adults, or senior citizens. However it is also true that your age can actually affect how high … (more) February 13, 2010

  • What are the advantages whenever you choose to shop your car insurance online?

    You cannot escape car insurance whenever you want to drive your car in a legal manner. Therefore, shopping for car insurance is also a necessary thing for you to do. Remember that all 50 states actually requires all drivers to get car insurance, wherein, there are even minimum state requirements on car insurance that drivers must have at the least. … (more) February 12, 2010

  • Why must I do my shopping of car insurance online?

    As long as you have a car, it is actually inevitable for you to get car insurance. The first reason behind this fact is actually because it is the government itself that requires you in the first place. Remember that it is a fact that all of the 50 states in the US actually require drivers to get car insurance … (more) February 11, 2010

  • How can I effectively shop for the right car insurance?

    It is true that the government actually required drivers to get car insurance. Without getting car insurance, remember that you may be driving your car illegally. In fact, all 50 states require drivers to get car insurance, at least when they want to legally drive their respective cars. In addition, these states even have prescribed minimum state car insurance regulations … (more) February 10, 2010

  • What are the different things to remember whenever you are shopping for car insurance?

    Getting the right car insurance is one of the most necessary things that you must be able to master whenever you have a car. This is because of the fact that you cannot go away with car insurance. Also, your car insurance is actually very vital to your security, wherein choosing the wrong one may mean inadequate security every time … (more) February 9, 2010