Auto Insurance Questions Archive for 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

• Does everyone have to have auto insurance?

  It’s a question everyone asks when they first start driving. Is it really necessary to have car insurance? If you live in the United States, unfortunately the answer is yes. Automobile liability insurance or proof of financial responsibility is required in all 50 states. However each state each state has its own rules on the minimum requirements to purchase car … (more) February 8, 2010

• What do I look for in Online Car Insurance?

  There are many questions about car insurance. The internet has created increasing competition between can insurance companies in the real world and online companies. It is wise to take advantage of this new offering. It is easier than ever for insurance consumers to shop around for low insurance rates and to review the different coverages and compare prices and premiums … (more) February 7, 2010

• What are the Differences in Car Insurance Rates on Different States?

  Car insurance differs from state to state. Most places differ because they have different population densities as well as different types of traffic rules and regulations when it comes to driving records, history of claims, credit history, age group, gender and other types of information and driving statistics. There are few other differences when it comes to states and the … (more) February 6, 2010

• How can I reduce costs in insuring my teenager?

  In most countries, drivers as young as 16 years old are able to get licenses and drive a car. But things are not so easy when in comes to purchasing car insurance for a teenager. It has always been difficult to insure young drivers. They have little experience behind the wheel and are risky and reckless on the road. They … (more) February 5, 2010

• Will the Color of My Car Really Affect my Car Insurance?

  There is a common misconception that the color of your car or specifically having a bright red car can increase or affect your car insurance. There are certain statistics that show the red cars do get pulled over more by traffic officials and that red automobiles tend to go faster than cars with different colors. This is because most drivers … (more) February 4, 2010

• What are Situations that Gap Coverage Insures?

  If you as a motorist have gap car insurance coverage or gap coverage, you should know what the qualifying situations are where in your gap coverage can be applied or not. But before discussing those situations, let us first know what gap car insurance coverage or gap coverage is. Gap coverage is an optional coverage that can be added in … (more) February 3, 2010

• What Car Insurance Coverages are required in New York?

  Because of the fact that in every state in United States there are different set of car insurance coverage and minimum amount of coverage required, as a motorist it is best that you should know what coverages your state requires. And for motorists in New York, here are the coverages and minimum set by law. The first car insurance coverage … (more) February 2, 2010

• What is a Gap Insurance Coverage?

  Before knowing what a Gap Car Insurance Coverage or in short Gap Coverage is, it is best to know what car insurance coverages are. Car insurance coverages are the things that determine on what kind of protection the insurance company will provide to its policy holders. Car insurance coverages can provide insurance protection for a policy holder in various situations. … (more) February 1, 2010

• What have I missed for gap insurance?

  Before understanding what a Gap Coverage is, it is better to understand first what a “gap amount” is. A gap amount is the difference in amount on the original price of an automobile and the price that a car insurance company will pay for a policy holder’s car in case of a total loss. In other words, when a person … (more) January 31, 2010

• What is Comprehensive Coverage?

  If Collision Coverage insures a policy holder’s car from damages that are incurred from accidents that involve all sorts of collision related situation, Comprehensive Coverage will insure a policy holder’s car from damages that may be incurred from all causes, other that collision, such as fire, flood, other natural calamity, vandalism, hitting or being hit by an animal, or by … (more) January 31, 2010

• What is a Collision Coverage?

  Collision Coverage is an optional car insurance coverage that will insure a policy holder regardless if he is at fault or not. Meaning a motorist is covered from any damage incurred in any accident. Collision Coverage will also insure the policy holder’s car or property and other damages, which can be incurred from hitting a light post, fire hydrant, or … (more) January 31, 2010

• What is the other car insurance coverage besides those required by law?

  The law requires their motorists to have as part of their car insurance coverage the Liability Coverage that includes Bodily Injury and Personal Property Coverage, Personal Injury Protection or PIP Coverage and Uninsured & Underinsured Motorist Coverage. Aside from these, there are still bunches of car insurance coverage that can be optionally added by policy holders to their car insurance … (more) January 31, 2010

• What is Uninsured and Underinsured Motorist Coverage?

  Uninsured and Underinsured Motorist Coverage, are two coverages that can either be purchased or added to a policy holder’s car insurance policy, but most of the time it is required by the law to have both. If a policy holder have Uninsured and Underinsured Motorist coverage in his/her car insurance policy, and in case he/she got involved with an accident … (more) January 30, 2010

• What is Personal Injury Protection Coverage?

  If Liability coverage, which includes bodily injury coverage and personal property coverage, pays or insures for the medical the expenses and property repair for the property/properties of the other party/parties that got involved in the accident, Personal Injury Protection coverage or PIP coverage will be the one paying or insuring for the medical expenses of the policy holder, all the … (more) January 30, 2010

• What is a Liability Coverage?

  Liability coverage is comprised of two coverages, the bodily injury coverage and personal property coverage. Both the bodily injury and personal property coverage are part of the liability coverage which is designed to protect and/or to insure the policy holder, meaning the insured motorist, from expenses, such as medical expenses and property repairs, which are suffered by the other party … (more) January 30, 2010

• What are the Basic Car Insurance Coverages?

  Basic car insurance coverages are normal the coverages that should be included in a car insurance policy. These are mostly required by the law. These car insurance coverages are different depending on the sate where the car owner or motorist resides. The most commonly required by every state law requirement of car insurance coverages are the following: Liability Coverage, … (more) January 30, 2010

• Am I really sure that my car insurance will protect me?

  Car insurance policies are legally binding. The insurer has the authority to charge regular payments in exchange of insuring possible economic losses of the policy holders. These payments are called premiums which are paid at regular intervals. Getting car insurance is required by law. Driving without it may give you legal and financial problems later on and exposing other … (more) January 29, 2010