Most Recent Auto Insurance Questions in Frequently Asked Questions

• Q: How reliable are cheap car insurances?

  Many people believe that just because an insurance plan is cheap, then it is reliable. However, if the person is not careful, they may find themselves paying through the nose or trading an arm and a leg just to be able to comply with the terms written in fine print. Cheap car plans can go as low as US$200 paid … (more) March 15, 2010

• Q: Before I purchase a car insurance policy, I would like to know what the current average rate for car insurance is.

  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) March 11, 2010

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: I am thinking of buying a new car. Is there a car that will cut the cost of my insurance?

  Have you heard of hybrid cars? Hybrid cars are also known as HEV or hybrid electric vehicle. It has been tagged as an environment friendly vehicle because it features a small fuel-efficient gas engine combined with an electric motor that assists the engine when accelerating. The electric motor is powered by batteries that recharge automatically while you drive. The … (more) January 28, 2010

• Q: What are the factors that affect the rate of car insurance policies?

  Car insurance companies offer different rates of insurance policies. You can shop online so you can compare their rates and to have an idea of the different types of car insurance and the factors that affect car insurance rates. The biggest determining factor is the type of your car. The age of the car, make and model, and value … (more) January 27, 2010

• Q: What are the benefits of getting a car insurance quote?

  Information about car insurance companies and the policies they offer are now open and easy to understand. These can be accessed anytime in the internet because they maintain websites where you can see almost all the information you need. The internet is a rich source of information if you want to scout a better insurance policy or a cheaper one. … (more) January 26, 2010

• Q: Should I switch for cheaper car insurance?

  Maybe you are thinking of getting cheaper car insurance especially now that the economy is not the way it used to be. Maybe you are worrying too because unemployment rate is increasing, real wages are falling and many large companies are in hard times or worse, running bankrupt. In these tough times, cutting the cost of your expenditures including your … (more) January 25, 2010

• Q: Why do women get cheaper insurance?

  If you already tried policy shopping for car insurance, you may have noticed that women have cheaper car insurance charge compared to other type of drivers. This can be explained through the categories used by car insurance companies. High risk drivers are usually those who are involved in accidents, have bad driving records and notorious driving attitude. Car insurance companies … (more) January 24, 2010