Most Recent Auto Insurance Questions in Frequently Asked Questions

• Q: Should I buy comprehensive car insurance for a car that I use very sparingly?

  The first thing that anybody must realize is that auto insurance is very much necessary no matter what sort of car you own. It’s not only a necessity; it’s the law in most states around the country if not all. What is comprehensive auto insurance? First party or fully comprehensive insurance is the sort of insurance that would provide you … (more) August 5, 2010

• Q: How do I apply for a new car insurance policy?

  Car insurance is the law in most states and hence is not just an added advantage anymore. It’s a necessity. The first thing you need to do is decide what sort of car insurance you need. You need to find out your local state law limits and based on this you must start shopping around. But in most cases your … (more) August 3, 2010

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: What do I need if it’s the first time I’m getting auto insurance?

  A first car is a wonderful thing. Be it the pick-up truck you’ve been asking for so you can take your friends to the beach, or the beat down ugly moss green “classic muscle car” you’ve been eyeing at the used car store, you’ll never forget your first car. Sure after purchasing the car you’re going to want to … (more) June 16, 2010

• Q: What’s the basis for premium charges?

  Premium charges, depending on the jurisdiction, can either be decided by the insurance companies of by the government itself. This computation of premium cost is derived from the data gathered on you, the insured, and how that data will affect future costs of claims you will make. These companies are basically computing how often you might get into an … (more) June 15, 2010

• Q: What factors could cost my insurance premium to rise?

  Insurance premium is tricky. What most people believe is that a lower premium means more savings, better deals –this is not necessarily true. A higher premium means more benefits, and sometimes that means more savings. The trick (or actually, critically recommended strategy) is to get insurance quotes, compare and contrast, ask around, get the facts before signing anything. That … (more) June 14, 2010

• Q: I’m engaged to a bad driver, will this make my premium go up?

  Definitely. Being married means living together (in most cases), this means sharing your car with your spouse, and actually, any and all licensed drivers in your household. This will affect your insurance premium significantly. But, of course, there are lots of ways to cover your bases and lessen this effect on your premium. First of all, when it comes to … (more) June 13, 2010

• Q: It’s my first time to get auto insurance, what do all these technical insurance terms mean?

  For the first timer, auto insurance can be a complicated matter. Being of a profit-oriented nature, some insurance companies prey on the dim-witted, the easily fooled who is willing to cough up any amount just to get that insurance. Don’t get me wrong, auto insurance, actually all insurance, for that matter, is designed to help us out. The purpose … (more) June 12, 2010

• Q: Do I need to buy new car insurance when moving to another state? If so, how do I get one?

  It is highly recommended that one purchase new coverage in the new state, especially if one is staying there for more than six months. This is to make sure that drivers could avoid any potential questionable coverage-issues and maybe even state penalties. Even if almost all of all the US states have a general rule in requiring drivers to have … (more) April 29, 2010

• Q: How can I protect myself from uninsured drivers?

  The dangers of having uninsured drivers or motorists on the road is that they have no financial coverage when they cause an accident. This is bad for the injured parties, especially in third party car insurance, because they hardly have any chance for being reimbursed for their damages and injuries. And there is also the trouble of the uninsured driver … (more) April 28, 2010

• Q: Do I need to buy car insurance before I buy a new car?

  Obviously, if this is the first car purchased and the owner doesn’t already have car insurance, that motorist will need to be insured before he can drive the car off the lot. In another case, if the driver is financing the vehicle, his lender will likely require him to have coverage at the time of the purchase to be able … (more) March 29, 2010

• Q: Why should I get car insurance?

  Car or auto insurance offers drivers financial liability and coverage for any damages they sustain or cause in an automobile accident. Anyone who owns and drives a vehicle is recommended to have coverage. Almost every state in the US, and even in other parts of the world, requires drivers to have minimum financial coverage and some even have laws that … (more) March 27, 2010

• Q: How do “points” affect my car insurance?

  This point system is administered by the Department of Licensing to keep track of careless or dangerous drivers. Each certain point value acts as a demerit on one’s driving record and are added every time a driver or motorist commits a traffic violation. The more of these points in one’s driving record, the more negative one’s driving report would be … (more) March 26, 2010

• Q: Do I need GAP insurance?

  GAP (Guaranteed Auto Protection) insurance is an extra coverage that protects one’s car during the early years of its loan or lease. It is recommended for drivers who are still paying for their car loan or had put less than 20% down payment on their new vehicles. In the event that the car gets totalled, GAP would cover the difference … (more) March 24, 2010

• Q: How can I lower my car insurance costs?

  Auto insurance is invaluable in providing financial protection against losses caused by accidents and thefts, and the prices vary by company due to a competitive market in the industry. But paying protection for oneself and vehicle can be a bother when the prices start to rise. There are many factors that affect one’s insurance prices, and each is statistically based … (more) March 22, 2010

• Q: What are the consequences of having no car insurance?

  Almost every state in the US requires drivers and motorists to have minimum level of car insurance. This is to make sure that these drivers and motorists have liability coverage in case they find themselves in at-fault accidents. The penalties for not having car insurance differ from state to state, but the general rule is that there would be heavy … (more) March 18, 2010