Auto Insurance Questions & Answers

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  • Q: How can parents reduce big payments of car insurances?

    Teenage license is only available to age starting from 18 and above, if and when they do not belong to this range, their only way to obtain driver’s license is through their parents, which is actually stated by the law. Hence parents are still the only reliable persons in this situation. Still, after giving capricious wishes of their children, parents … (more) April 13, 2010

  • Q: What are the pros and cons of Full Insurance Coverage?

    Full Insurance Coverage will ensure you of covering the insured vehicle, the driver/ owner, third parties which include passengers and the other driver’s vehicle. The damages previously mentioned are covered by the Collision Coverage, a type of Full Coverage. Meanwhile, natural disasters damages to the vehicle (e.g. fire and floods), damages done by people (e.g. vandalism, theft) and damages inflicted … (more) April 12, 2010

  • Q: What are the essential facts about insurance coverage that every driver must know?

    In order to be able to decide which car insurance policy to avail of, there are several things each driver / vehicle owner must now. First, one must have an understanding of the various types of insurance coverage. The basic types of coverage are. There is the Liability Coverage which offers protection in scenarios when bodily injury is caused … (more) April 11, 2010

  • Q: What are the factors that affect car insurance rates?

    Owning a car is not that easy, especially that one’s life is at risk, there are lots of considerations that a car owner and a seller must agree upon buying a car. Insurance is a number one priority of car sellers, not only that it covers some of the damages that may be inflicted by the owner to the car, … (more) April 10, 2010

  • Q: What do we mean by full insurance coverage?

    The term “full insurance” coverage is misleading, because truth be told, no such thing as full insurance, in its complete sense, exists. It is simply another term for “physical damage” coverage. However, when compared to the benefits (and definitely the price) of this type of coverage, it may seem more complete, or more “full” than other types. Physical Damage coverage … (more) April 9, 2010

  • Q: Why do teenagers need auto insurance?

    Nowadays, teenagers and college students see themselves special whenever they have something which they could brag to other teenage and college students. One of these, trendy and in-style fashionable accessory of their mid-life, is having a car. Thus, in this regard, teenagers are deemed to be more excited, that they tend to be overwhelmed and overexcited when driving. Reports have … (more) April 8, 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: Can you get auto insurance with just a learner’s permit?

    Most teenage drivers can’t wait to get their license and drive. But most states require them to have a driver’s license and car insurance before they get behind the wheel. For these young driver’s, they often ask if they can get insured even with their learner’s permit or their student driver’s license. A driver’s or learner’s permit is permission to … (more) April 1, 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: How can I lower my car insurance rates for my teen driver?

    For most parents that worry about their teenagers that just started driving, insurance rates are one of the things they think about. There are a few thing you can do as a parent in order to lower the rates of your teenage driver. Before anything else, it is important to be patient with your young driver’s insurance. Don’t be in … (more) March 30, 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: What can a car owner do if the insurance of the other driver refuses to pay?

    Of course, a car owner can always use his or her own coverage whenever their cars are involved in an accident. However, if the accident was not their fault, then they should definitely make the driver at fault pay and take responsibility for what he or she has done. But being in accident is never a pretty picture. Often times, … (more) March 28, 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: If an insurance holder does not feel that the claim is not enough, what can they do?

    There are a lot of times when drivers meet accidents. This can be very tough as cars are one of the most valued possessions in one’s life. At times like these, car insurance comes in very handy, and sometimes can even save someone’s life, through financial assistance and other coverage. Most of the time, insurance companies come through for the … (more) March 25, 2010

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