Auto Insurance Questions Archive for 2010

  • I am planning to insure my Rover P5B car (which is a classic). As far as I know, insuring a classic car is way different from insuring an ordinary car. What are the most important things I should consider?

    You might really get confused when insuring a classic car. Your car coverage would depend on how you would use it plus your agent will most likely determine whether you’d be really enjoying your car in the near or distant future. If the agent is not accustomed to insuring classic cars, they might not help you properly and thus you … (more) July 8, 2010

  • Why do teenagers have higher insurance premiums?

    Usually, the older people pay more expensive rates than younger people do. However, the style among car insurance companies was turned upside down. Younger people have to compensate even twice the price the old people are paying! Considering the young people’s point of view, the said policy is “questionable”. Based on their arguments, any of them, just like the older … (more) July 7, 2010

  • What affects the rate of your insurance policy?

    Prices of insurance policies vary from one insurance company to the other. Your insurance policy rate is also dictated by the features or details you place in your policy. In case you didn’t know, every feature of your auto insurance policy is priced individually. So the more specifications you place in your policy, the more you pay. However, there are … (more) July 6, 2010

  • What are insurance deductibles?

    Vehicle insurance policies vary from one state to another. Insurance policies in one state may or may not be available in other states. This is because each state has prepared a set different of insurance laws. However, no matter how different each state from one another, insurance policies still function the same way in every state. Car insurance policies help … (more) July 5, 2010

  • What are the elements of an auto insurance policy?

    Insurance policies are covered by various laws the state issues. The available insurance policies in one state may be different in the insurance policies offered in another. A car insurance policy is composed of sections which describe each type of insurance policy that the insurance company recommends. Your auto insurance policy basically just gives you important information about the types … (more) July 4, 2010

  • What to consider in purchasing an insurance policy?

    In getting an auto insurance policy, a purchaser must consider a few things. First, he must know what the minimum insurance policy is. The minimum auto insurance policy is described by the state. Usually, the minimum insurance policy that a motorist should have is the liability coverage. However, people who seek for more insurance coverage are permitted to do so. … (more) July 3, 2010

  • What are uninsured and underinsured motorist coverage?

    While you are the road, you might encounter drivers who get into vehicular accidents with no auto insurance policy or drivers who do own an auto insurance policy only that their insurance policy is too low to pay for the damages they may have inflicted in an accident that is caused by them.  These motorists are then called uninsured motorists … (more) July 2, 2010

  • What is the physical damage coverage?

    There are several types of insurance policies every car insurance company provides. However, these types of insurance coverage are divided into four main classes. The first class is the liability coverage which covers for any injury or damage a policy holder at fault causes to another party.  Next is the uninsured or underinsured motorist coverage which covers for drivers … (more) July 1, 2010

  • What does Liability Coverage Covers?

    Forty-seven states require auto insurance policy for every licensed motorist living in any of those states. Whether a driver owns a car or not, they are still compelled to file for a car insurance policy. This is to make sure a motorist would be able to return to his way of living prior to whatever car accident he might be … (more) June 30, 2010

  • What Kinds Of Insurance Coverages Can I Choose From?

    Sometimes, the different types of car insurance coverage’s can be quite confusing. Even old-time car insurance policy users still have trouble when deciding to shift from one insurance coverage to another. And so, for car insurance policy hunters, here are some information on the most common insurance coverage’s you can choose from. Liability Coverage This type of coverage includes … (more) June 29, 2010

  • How do I get the best out of my car insurance coverage?

    For most insurance policy consumers, the Insurance world may seem like a different dimension altogether. Sure, insurance jargons may be overwhelming but even an average insurance consumer can actually do something to maximize their insurance coverage. Think like an insurance policy provider Fact: Car insurance companies operate on the principle that consumer demands must be met with the … (more) June 28, 2010

  • What factors should I consider in choosing the best car insurance policy?

    Car insurance policy shoppers look into a hundred things in choosing their auto insurance policies – from their cars, their status and a lot more. But in choosing a car insurance policy, here are the few factors that actually matter. Your state or country’s minimum legal insurance policy requirements Most states have a standard insurance policy as a requirement. … (more) June 27, 2010

  • Do Newly Licensed Teenagers Need to Have Car Insurance?

    The requirements of car insurance policies in each state are governed by the laws made by these states. However, the very backbone of the car insurance laws that administer in every state is that each car owner must insure his car or anyone who is legally allowed to drive and has the capacity to drive must have an auto insurance … (more) June 26, 2010

  • What is SR-22 Insurance Policy?

    The SR-22 insurance policy, first and foremost, is not a type of insurance policy. It is, however, a certificate of insurance that shows proof of financial responsibility. The SR-22 is a motor liability insurance that an insurance company provides the Division of Motor Vehicles (DMV) official recognition that the one carrying it is covered. In cases of SR-22 cancellation, the … (more) June 25, 2010

  • What are Car Insurance Deductibles?

     In buying an auto insurance policy the insurance company is not only curious about the kind of car you drive, how you drive that car and how often you get into accidents. They also look at the amount of money you are prepared to pay for your insurance coverage. Every car insurance policy has a deductible. The insurance company would … (more) June 24, 2010

  • What Car Insurance Plan is Best for Me?

    Getting a car insurance policy is a serious matter. It is not just about you complying with what the state requires of you. You must be aware what insurance policy is best for you. In order to do this, you must know your capabilities as a driver and your car’s capacity, and you must be aware of the required insurance … (more) June 23, 2010

  • What Should you Do to Keep Your Insurance Rate Low?

    Getting insured while on the road is a must in at least forty-seven states. However, even if it is already a law, a lot of car owners do not get car insurance in hopes of saving up more money. What these people do not know is that they could get insured and not spend too much money on it. There … (more) June 22, 2010

  • What Should I Know about Car Insurance Claims?

    While the automobile industry is rapidly progressing, many consumers are also aware of the fact that a comprehensive insurance is also part of every car purchase. Whether it is a brand new car or second hand car purchase, a comprehensive insurance must always go with it. While there are many insurance companies offering quality insurance nowadays, there is a need … (more) June 21, 2010

  • What Should You Keep In Mind In an Accident?

    No matter how careful a driver is when on the road, it still does not mean that the driver and his passengers are safe from vehicular accidents. The worst aspect of an accident is that it comes a surprise. No one knows when, how and where an accident would occur. So, the best way to deal with accidents is to … (more) June 20, 2010

  • How Do You Report an Insurance Claim?

    After a car accident, the parties involved must report the incident to their insurance companies as soon as possible. That is, the policy holders involved in the incident must immediately file for an insurance claim to their insurance company.   When a policy holder’s car is damaged in an accident, there are two insurance claims that the policy holder may … (more) June 19, 2010