Most Recent Auto Insurance Questions in General Questions

• Q: How is Actual Cash Value determined?

  Actual Cash Value (ACV) is a method of valuing insured property. It is also defined as the replacement costs that insurance companies pay for one’s damaged property after subtracting depreciation. The general rule in order to calculate the value of one’s vehicle includes taking into account the effect of depreciation due to wear, condition, and aging. But, each company has … (more) May 4, 2010

• Q: Where and how should I apply for auto insurance?

  Drivers and motorists must apply for auto coverage at an insurance company that they trust and are familiar with to give them quality protection. It would be easier to apply for auto coverage with that scenario; thus, one has to simply approach the company and avail their financial reimbursement. For those who have yet to find a trustworthy company, there … (more) May 3, 2010

• Q: Why does the government require drivers to have car insurance?

  The government requires drivers and motorists to have car insurance for the same reason why it enforces law and order: it is for the people’s safety and protection. Many accidents happen on the road, and people need financial protection and reimbursement in case they find themselves caught in one. This is to ensure that both and motorists won’t have to … (more) May 2, 2010

• Q: What are the benefits of maximizing insurance coverage limits?

  Coverage limits refer to the maximum amount of insurance that will be paid per person, per incident, respectively. Insurance coverage comes in different types; as well as limits which are provided in the terms and conditions. Coverage can range from damage to property, car theft, vehicle collisions, and even health care. Normally, a motorist would be able to determine easily … (more) May 1, 2010

• Q: What Info do I Need to Provide when Obtaining a Quote?

  Most motorists looking to purchase or renew their car insurance are now aware of the many other options in this day and age. Going to an insurance company and purchasing coverage there is no longer the only option. There are now a number of alternatives and many of them can be found on the internet. Free Auto insurance quotes can … (more) April 30, 2010

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: I am such a busy-bee with work that I was not able to report my lost driver’s license, but since I recently moved here in California, can I just apply for a new one here? I came from Chicago.

  First thing first, if you would not want to be a victim of fraud or identity theft, then at this very minute, you should find time and report about your lost driver’s license to the authorities. You did not mention how you lost the said card but someone might have found it and can use it as an accomplice in … (more) March 31, 2010

• Q: Should you get car insurance online or on-foot?

  According to statistics, every American would be involved in at least one car accident within their lifetime. Moreover, the leading cause of death among Americans under the age of 34 is not some terminal illness but a devastating vehicular accident. The chances of being in an accident should be enough to worry anyone and this is primarily why car insurance … (more) March 17, 2010

• Q: Why is it important to choose your car insurance carefully?

  Having car insurance is a requirement as defined by law and many people view this as a chore that must be done immediately and with as little effort as possible. However, the law was not made in order to inconvenience people. It can be the convenient solution to problems when it comes to the dangers of being on the road. … (more) March 16, 2010

• Q: I am currently enjoying the benefits of being having a low-mileage discount from my car insurance company but since I got promoted and will soon be transferred to a another branch, how will this affect my policy? Is there a need for me to inform my insurer?

  Most car insurance companies calculate mileage discounts like the one you are currently enjoying annually or yearly. Meaning to say, as long as you do not exceed the average odometer rate that they require for a low-mileage discount, you are still on it. The catch is that average rates for this type of discounts differ in every company. There is … (more) March 12, 2010

• Q: I am currently enjoying the benefits of being having a low-mileage discount from my car insurance company but since I got promoted and will soon be transferred to a another branch, how will this affect my policy? Is there a need for me to inform my insurer?

  Most car insurance companies calculate mileage discounts like the one you are currently enjoying annually or yearly. Meaning to say, as long as you do not exceed the average odometer rate that they require for a low-mileage discount, you are still on it. The catch is that average rates for this type of discounts differ in every company. There is … (more) March 1, 2010

• Q: What are the different types of car insurance coverage?

  Whenever you are getting car insurance, it is important for you to know the different car coverage that car insurance companies offers. This is because of the fact that your coverage actually determines how much are you protected. Remember that the reason why the government requires you to have car insurance before you can drive your car legally is because … (more) February 14, 2010

• Q: How do companies determine premiums according to age?

  Car insurance is required to all drivers who own a car, whatever age they may be, and wants to drive it legally. In fact, the minimum state requirements for car insurance are applicable to drivers of all ages, whether they may be teens, adults, or senior citizens. However it is also true that your age can actually affect how high … (more) February 13, 2010

• Q: What are the advantages whenever you choose to shop your car insurance online?

  You cannot escape car insurance whenever you want to drive your car in a legal manner. Therefore, shopping for car insurance is also a necessary thing for you to do. Remember that all 50 states actually requires all drivers to get car insurance, wherein, there are even minimum state requirements on car insurance that drivers must have at the least. … (more) February 12, 2010

• Q: 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