Car Insurance

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Anthony Peck asked:


When you go car shopping, what are you looking for? Are you looking for a sporty little two seater that’s going to impress the ***** or a sensible sedan with plenty of room for car seats? Do you want a car that’s going to be good on gas mileage or one that will give you plenty of space to spread out? These are all things that people think about when they’re standing in the middle of a car lot looking for their next set of wheels. What they don’t usually consider is which car will give them cheaper car insurance.

Unless you’ve taken the time to sit down with your insurance agent and find out how they calculate the cost of your car insurance you probably don’t realize that your car itself has as much to do with your insurance premiums as, say, your driving history. Insurance companies don’t like to pay out claims, and there are certain cars that seem to attract trouble like a magnet! You could be the best driver in the world, but if you’re behind the wheel of a “high risk” car cheaper car insurance is going to be as hard to come by as front row seats at a Hannah Montana concert.

So how do you know which cars are going to give you cheaper car insurance? You do your homework. The first thing you should do is make a list of what, exactly, you need in a car. There are a lot of resources on the web that will help you find cars that are cheaper to insure, but they usually forget to mention that this isn’t a one size fits all solution. You’re not going to fit five kids in a Toyota Prius. Not legally, anyway! That means you need to shop with your family in mind.

When you’re shopping for a car you can find out how big a risk your car is the same way your insurance agent does-by consulting the Highway Loss Data Institute. The HLDI has statistics on just about every make and model on the market, and they can tell you whether the car you’re considering buying has losses that are considered to be less than, equal to or greater than the average loss for its vehicle class. Fewer losses and expenses as a result of accidents and/or theft=cheaper car insurance every time.

Regardless of what type of car you’re going to buy, know that cars with advanced safety features are always going to equal cheaper car insurance premiums. Safety features like airbags and anti-lock brakes are going to minimize the injuries suffered by you, your car and your passengers if you’re ever in an accident, which is going to lower your comprehensive and liability insurance costs dramatically. Remember, the less they’re likely to have to pay out, the less you’re going to have to pay in!

Security features like car alarms and GPS tracking systems can also pave the way to cheaper car insurance. Since your car insurance provider has to pay the bill if your car is stolen and/or vandalized, taking steps to stop that from happening will always win you bonus points with your insurer-and the cheaper insurance premiums that go with it!

Cheaper car insurance might not be the first thing on your mind when you go shopping for a new car, but it shouldn’t be the last either. Do your homework before signing on the dotted line and you’ll have the hottest car insurance rates in town every time.



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Dan R asked:


I have a 4 months of temporary work in California and I am thinking of taking my car. My current car insurance will not cover driving for work purposes in California. What is the easiest way to get car insurance for 4 months for California?

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pink_lemonade asked:


My auto insurance has expired and I’m kinda looking for a new car insurance. I can extend the previous car insurance, but I just want to know about other car insurances as well so that I can make a good choice.
I took a look at many car insurance company websites, but it seemed like I need to put all my personal information (not only about my car and my email address but also my home address, phone# etc) to get a quote. I’m worried that maybe they would send me all kinds of junk mail kinda stuff to my house if I put my address on the form to get a quote.
Do you know any good ways of getting a quote without telling them my personal info? Any recommendation which car insurance company is good?

Btw I’ve never got into any car accidents so I just need a cheap auto insurance. I drive ‘83 caddi.

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Car Insurance Expert asked:


To break the declarations page down further, we’ll discuss each aspect presented on the page, and this is done in no particular order, meaning your declarations page may or may not have the same information in the same order listed here. First we’ll mention the auto insurance company’s information on the page. The declarations page will have the name of the insurance company, as well as their contact information including a phone number and address. If you need to contact the company, the information is readily available here and also on the insurance card that you should have somewhere in your car in case it is immediately needed.

Next, you should find your policy number. Your policy number is a way the auto insurance company can identify you without using your name. This lessens confusion as there is typically more than one client sharing the same first and last names. A policy number can include numbers and letters together, or just numbers. You will need to know your policy number any time you want to contact the insurance company. You can also find your policy number on the insurance card.

Information regarding the coverage you have purchased is also included in the declarations page. The coverage you purchased will include the minimal requirements provided by your state, as well as any additional coverage options you felt the need to purchase. Bodily injury liability, property damage liability, personal injury protection, and uninsured motorist bodily injury may be some of the coverage options you purchased that will be listed on the declarations page. Read more about automobile premiums and policies in Auto Car Insurance Premiums section of author’s site.

The cost of each coverage you purchase for your auto insurance policy will also be listed on this page. The price of your policy is determined by individual factors, including the cost of coverage you added to your policy. If you carry additional coverage options past the state’s requirements, you can look at these “extra” options and decide if they fit into your budget, or if you can add more coverage for added protection.

Your deductible amounts may also be listed in the declarations page. A deductible amount is the amount of money you are willing to pay, out-of-pocket, when you make a claim to the auto insurance company. Any time you file a claim and expect the insurer to cover an accident-related cost, the insurer requires you to pay upfront a deductible. This amount can range from $250, to $1,000 or higher. The lower deductible you choose for your policy, the more expensive your policy premium will be.

Look for the policy periods on the declarations page to find out when your coverage begins and when it ends. You should also be aware that you have the option with the insurer to automatically renew your policy when it expires. This helps to avoid any time period of not carrying auto insurance, known as a policy lapse. It is illegal to drive a vehicle without proper auto insurance so it is vital that the policy always be in effect.

You will also notice your information, or the policyholder’s information, listed on the declarations page. Your name, address, and phone number will be listed on the page. It will also have information regarding the vehicle(s) you have insured with the company, such as the year, make and model of each vehicle. Always keep this information up-to-date with the auto insurance company so they can contact you easily with any questions they have or information they need.

You may think the declarations page is just one more nagging piece of paperwork, but in actuality it is the most important piece of paper that you have for your auto insurance. You will need to review your declarations page every time your policy renews to make sure no coverage was accidentally dropped or so you know your information is correct. Don’t disregard your declarations page as it comes in the mail or think of it as worthless because you think you already know what coverage is on your auto insurance policy.



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Birch8844 asked:

Spending on car insurance should be a wise decision and before you actually commence your job forward, you need to search for affordable car insurance free online quotes available at many websites. Many car insurance providers ship you the details documents once you took car insurance policy…

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. asked:


suppose someone is paying $700 a year for liability car insurance and gets a speeding ticket. how much higher can this persons insurance go up?

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Adel Khamis asked:


Keeping your premiums from rising? That can feel like playing a game where the rule maker refuses to tell you the rules.

*If you have good credit, you’ll pay less on car insurance.

Almost all car insurers including the top five pull your credit report.

Why? Studies have shown a direct correlation between your credit score and the likelihood that you will file a claim.

Car Insurers also know that if you pay your bills in a timely fashion and have had the same credit accounts for a long time, you’re more stable than someone who pays late and frequently opens and closes accounts.

Car insurers use this information to create your “insurance risk score,” which is one factor that determines your car insurance rate.

Tip: Your car insurance risk score is not available to you, but it may be similar to your credit score. If you have unusual credit activity, wait a month for it to return to normal before buying car insurance.

*Your car model affects your premium car insurance. You won’t get these numbers from your Car insurer. But the car insurers do have a rating system for every car make and model.

Most use a system devised by the Car Insurance Services Office, which starts with the cost of the vehicle and then factors in safety and theft data.

Tip: You can file a claim on your home insurance. Most home insurance policies will cover smaller, less expensive items such as compact discs.

*Bad drivers will pay

You’ll pay for your bad driving. The industry standard is to increase your premium by 40% of the insurer’s base rate after your first at fault accident. Not all car insurers play by this rule.

Tip: Some car insurance companies have a forgive the first accident policy. So ask your Car insurance company if it has a forgiveness policy and how to qualify? .

*You’ll pay for your friend’s bad driving, too. If your friend borrows your car and crashes it, you’ll have to file a claim with your car insurance company.

Tip: If your friend didn’t have permission to take your car, in most cases you won’t be held liable for the damage. But if your friend is uninsured and causes damage that exceeds your policy limits, the injured party can come after you for medical and property damage expenses.

*Your car’s real worth

each car insurance company has its own proprietary list of car values.

The car insurance company may also ask local dealers what they’d charge for a similar replacement car.

Tip: If you disagree with your car insurance company’s value determination, there are several things you can do:

Next time, get gap insurance. It wil l pay the difference between what an car insurer will cover and what you owe.

If you have maintenance records that show you’ve had the oil changed every 3,000 miles and you’ve had the car checked routinely by a mechanic.

If you’ve been paying premiums on any special parts or upgrades, make sure those are included in the car insurance company’s evaluation.

*Odds and ends

Hit by an uninsured motorist? Try to “stack.” (UM/UIM) coverages means collecting from more than one car insurance policy that you hold.

Tip: Check the language of your car insurance policy to see if stacking is allowed.

There are two scenarios for stacking:

First, if you have multiple cars on your car insurance policy with UM/UIM coverage on each, you can collect the limit of your UM/UIM coverage under as many vehicles as necessary to cover full payment for damages.

Second, if you have more than one car insurance policy with UM/UIM coverage, even if they’re from two different car insurers, you can make a claim under each policy until all your damages are recovered.

*You can wait to add your teenager to your car insurance policy until he or she is licensed.

Tip: Don’t forget to tell your car insurance company that you have a licensed teen. If you have to file a claim on his or her behalf, your car insurance company is entitled to charge you back premiums from the date your teen received a license.

*You must officially cancel your car insurance policy when you switch car insurers. you can cancel your car insurance coverage at any time by notifying the car insurance company in writing of the date of termination.

Tip: Call your car insurance agent and let him know you are canceling your car insurance policy. Give a specific date, or you may end up uninsured for a period of time.

The car insurance company will send you a cancellation request. Most often, the form is already filled out and all it requires is your signature.



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Car Insurance Expert asked:


However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.

To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.

More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.

When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.



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Adam Boulton asked:


To err is human and nobody can boast of not making a single mistake in life, including while driving in a car. Even if the person driving the car makes no mistake, chances are high that the person on the opposite side drives carelessly and accidents do happen. So, it is mandatory for every car owner to have a car insurance which would be beneficial for both the owner of the car and the car.

Car insurance is a type of insurance coverage for damage to the car including damage resulting from another vehicle. Car insurance covers a variety of things that depend upon the kind of car insurance that has been purchased. Car insurance carries a premium which is the amount a customer has to pay to obtain car insurance. The amount of premium depends on various factors and differs from one company to another.

In fact, there are different premium rates for males and females because it is a general fact that men are more likely to be involved in an accident than women. Likewise, the premium rates for teenagers are higher and have to pay more, since teenagers fall under the category of high risk. If the teenager takes a defensive driving course then, there is a chance of reducing the premium.

There is a deductible in car insurance for which the customer is responsible before the insurance provider offers insurance coverage for expenses and the deductibles also influence the coverage available. Car insurance also comes as collision auto insurance which covers the cost of repairs to a vehicle involved in an accident or the cash value of the vehicle, if it is beyond repair.

In the event of an accident happening, there may be a great deal of damage to the person as well as the car. Along with it, comes the financial liability. At least the later part can be reimbursed if the car is insured properly. If the car is uninsured, the person has to bear the mental agony, damage to the vehicle and the financial burden. So, it becomes utterly necessary and wise to take up car insurance.

Realizing the importance of car insurance, most of the countries around the globe have made car insurance mandatory. If a person drives without car insurance, he or she may have to face legal charges including suspension of driving privileges and also hefty fines and in some cases, jailing.

When car insurance is taken, it offers a peace of mind to the owner of the car and this fact would make him drive peacefully and safely and this factor itself would avoid many accidents. Every one owning a car has to possess a car insurance which is a way of protection, not only for the self but also for others on the road.



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