Auto Insurance Questions Archive for April, 2010

  • What are the factors that affect car insurance rates?

    Owning a car is not that easy, especially that one’s life is at risk, there are lots of considerations that a car owner and a seller must agree upon buying a car. Insurance is a number one priority of car sellers, not only that it covers some of the damages that may be inflicted by the owner to the car, … (more) April 10, 2010

  • What do we mean by full insurance coverage?

    The term “full insurance” coverage is misleading, because truth be told, no such thing as full insurance, in its complete sense, exists. It is simply another term for “physical damage” coverage. However, when compared to the benefits (and definitely the price) of this type of coverage, it may seem more complete, or more “full” than other types. Physical Damage coverage … (more) April 9, 2010

  • Why do teenagers need auto insurance?

    Nowadays, teenagers and college students see themselves special whenever they have something which they could brag to other teenage and college students. One of these, trendy and in-style fashionable accessory of their mid-life, is having a car. Thus, in this regard, teenagers are deemed to be more excited, that they tend to be overwhelmed and overexcited when driving. Reports have … (more) April 8, 2010

  • Is it possible and legal to purchase car insurance online?

    Yes to both your questions. There are a lot of websites where you can get free quotes for your car and if you are happy about it, you can go as far as purchasing a policy via online. These deals that you are making with car companies are legal as long as you are being honest with the information that … (more) April 7, 2010

  • I reside in Florida and I am planning to buy my 16 year old son a car for his birthday. What can you recommend to be the safest car and cheapest insurance?

    Here is a list of what resulted from a survey (of the least costly when it comes to insurances) conducted to a variety of car retailers: Chrysler PT Cruiser 4dr Wagon GMC Safari SLE AWD 3dr Minivan Dodge Caravan SE 4dr Minivan Saturn ION 1 4dr Sedan Pontiac Sunfire 2dr Coupe Jeep Liberty Sport 4WD 4dr SUV Saturn L300 … (more) April 6, 2010

  • What is the minimum premium or insurance rate for my 1995 truck? I reside in Utah, if that helps.

    The minimum rates for trucks vary from car insurance company to another. It depends primarily on a policy holder’s driving history or record. The types of discounts he also applied for has a big influence on the premium he will get. Under Utah law, however, has the basic Liability limits of 25/65/15. The law under this state also requires motorists … (more) April 5, 2010

  • I got my first speeding ticket on my way to a sister’s wedding, how will this affect my premium?

    A policy holder’s premium has a lot of factors that is all considered by a car insurance company that helps them arrive to the final quote. There is no need for you to panic because as you have mentioned, it is just your first speeding ticket. Companies can be brutal at times (especially to those they consider as “problem drivers”) … (more) April 4, 2010

  • When Should Insurance Be Purchased when Buying a New Car?

    The timeframe in which to purchase car insurance on a new car would depend on a few different circumstances. If an individual is currently uninsured, the car dealership generally will not let the vehicle be driven off the lot without any proof of a policy. In this case, coverage would need to be purchased before the transaction is complete. Most … (more) April 3, 2010

  • Am I allowed to register a car with no insurance and can I do that with my license suspended? I live in California.

    Most of the states in the U.S. have a law that requires every car owner to have his car insured. This is the government’s way of protecting its people especially those who turns out to be ones who are not at fault in an accident. Technically speaking, there is a need for you to show a proof or evidence of … (more) April 2, 2010

  • Can you get auto insurance with just a learner’s permit?

    Most teenage drivers can’t wait to get their license and drive. But most states require them to have a driver’s license and car insurance before they get behind the wheel. For these young driver’s, they often ask if they can get insured even with their learner’s permit or their student driver’s license. A driver’s or learner’s permit is permission to … (more) April 1, 2010