Finding Low Cost Safe Auto Insurance Prices The Online Way

November 27, 2017 · Posted in General Articles on Car Insurance · Comment 

The Internet has made its mark on the shopping world, making it easy to find many things. There are websites dedicated to buying books, movies, and even used items that other people don’t want anymore. In addition to material goods, nowadays, you can buy services that aren’t necessarily as tangible, such as auto insurance.

In fact in more recent years shopping around for the best safe auto insurance quote online has become even easier as compassion sites have started to pop up offering the user the chance to fill in just one form and obtain multiple quotes all at once.

By obtaining these instant safe auto insurance quotes, you’ll be able to better save on your auto insurance, which can translate into extra hundreds a year. But there are advantages and disadvantages to this.

Let’s explore some of the benefits of instant safe auto insurance quotes online and how to avoid some of the problems that you run across with them.

The main advantages

Of course, the big advantage to obtaining instant safe auto insurance quotes online is that the speed of the process allows you to compare different auto insurance companies in one evening, often less than that.

No more expensive phone calls that for the most part do nothing but waste your time and no more running around like mad from one auto insurance company to the next dealing with sales reps! Just a couple of minutes filling in online forms and you can start comparing.

The real speed comes with sites that take your information once and get quotes sent to you by email from multiple companies, allowing you to compare prices at a glance.

And while on the subject of no phones, no calling means no pressure from a salesperson on the other end of the line. This means no haggling, no rebuttals, and more time to do your own research.

For those of us who want to just compare straight facts and details about each policy in order to make a decision without influences of some salesman getting in the way, dealing with auto insurance through the websites may well be a better way to go.

Some possible drawbacks

You will normally have to provide at least an e-mail address for the delivery of quotes and this will mean that you may also get some follow-up e-mail’s oriented to push you to signup.

One very quick and easy way to keep these e-mail’s separate from your personal e-mail’s is to simply set up a separate e-mail address for the purpose of collecting auto insurance quotes online.

When using free services on sites where you just fill in one form to obtain multiple quotes, in some rare cases the sites form may not have been fully updated to contain all the questions necessary for one of the insurance companies it deals with.

When using a good site this doesn’t happen very often and when it does it really is more of an inconvenience, the truth is even if this does happen to you overall the site would still have most likely saved you time when you consider all the other correct quotes you will have obtained.

Just make sure that after you have gone through all candidates and have selected those you are most interested in that you double check with these companies first before going forward with them.

For most people I’m sure that these few disadvantages are not enough to put them off going the online route and searching for safe auto insurance quotes quickly and easily like so many others do these days.

Automobile Liability Insurance To Protect Your Assets

November 25, 2017 · Posted in General Articles on Car Insurance · Comment 

Car Liability Insurance is required by state law in every state of the U. S. This insurance is designed to pay for the damage that you cause to other vehicles, property or persons in an automobile accident. Each of the states has their own requirement for liability insurance. Some states have a very minimal amount of insurance that is required, while others have tried to update their requirements to closer meet the actual costs of an accident.

In addition to being required by your state’s laws, liability insurance also protects other properties that you may own. When damage is done or injuries are caused in an accident, if your insurance coverage is found lacking, you can be held personally responsible and your personal property can have liens placed against it. These liens can prevent your from getting a loan or must be satisfied before the property can be sold.

Many times you will hear liability referred to using three numbers such as 25/50/25. The first 25 refers to the amount of money the policy would pay for medical expenses and other personal injury expenses ($25,000) for any one person that was hurt in an accident. The 50 is the maximum amount payable to all persons hurt in the accident ($50,000) and the second 25 is what the policy would pay for property damage ($25,000).

The requirement in most states is too low to give adequate protection to your personal and real property. Often you can purchase much more adequate insurance at a very small difference in price. The insurance agent should be able to give you a very good idea about the policy that would best suit your needs.

To find out how much insurance is required in your state you should talk with the state’s DMV. This department can give you both the amount of required insurance as well as the penalty for allowing your insurance to lapse. Some states are requiring that your insurance company make a report to the DMV any time that your insurance lapses at all.

States are finally penalizing persons with more than a slap on the hand for driving without a license. Many states will cancel your registration for the lapse in insurance until you can prove that you have insurance and pay an administrative fee. With subsequent incidents the penalties become larger. Some states will impound your vehicle for six months and charge you for storage.

If you do not have liability insurance, you can get quotes using your home computer and the internet. Compare those quotes in order to find the best prices and coverage for your vehicle. There may be several hundred dollars per year difference in the same coverage from different companies.

If you want to keep the cost of your liability insurance low, learn to drive defensively. This can save you money in a couple of ways. If you drive defensively, you are less likely to get a traffic ticket. In addition, you will avoid accidents. In addition to saving money you may save your own life or the life of family members.


An Understanding Of Auto Insurance Savings

November 22, 2017 · Posted in General Articles on Car Insurance · Comment 

Just like your regular cheeseburger, you would like some other toppings so it’s going to be more delicious to the taste, the same thing must go for your car insurance policy. It is not since you would like the best financial savings; you will get any bare insurance coverage that comes available to you. You need to use your wisest judgment especially since we are referring to your vehicle here. You need to guard your investment and that’s for certain. Hence, you better know ways you can get the very best bargains in car insurance savings!

One of the sensible ways of saving a lot on the auto insurance policy that you’re eyeing is evaluating the quotes side by side. Which means that you should go online for the quotes. Just about all you need to do is to look for tried and true car insurance businesses that are either recommended by friends or relatives and those active discussion board members. After that, you can complete the online enrollment form with the details required of you and simply click the button to submit it. After which, you’ll receive an email with the estimates. With lots of options on your list, it’s simple to start evaluating the coverage content plus the monthly premiums you are supposed to pay.

There are also essential details you’ll want to keep in mind as you evaluate the car insurance coverage quotes. These are:

Each state actually makes it a requirement that car owners should carry with them an auto insurance certificate. If you go against this, you are on the losing end as you get into any type of road accident. That could mean the confiscation of personal assets, high insurance costs, cancellation or suspension of license, and the likes.

The insurance coverage is after the car rather than the driver. Meaning any time your car has been borrowed and regrettably gets into a mishap, the policy is in effect of the at-fault car owner and the outcome will be increased insurance coverage expenses.

The more mileage people drive, the more expensive the rates of the policy will be. So, to stay away from this, you can take some other types of transportation from time to time.

There are other automobile insurance companies which make available the feature known as “accident forgiveness” which means that the policy rates are raised following 1 or 2 accidents in a row.

It is not often smart to avail of small car insurance claims. Damage claims and the likes may often cause you to pay for higher rates.

It’s wiser to insure multiple vehicles in the same insurance policy. That means it is possible to avail of some discount.

You can find companies which offer the so called military discounts. To be able to spend less, you can inform the company concerning where your car is going to be left in case you are not around.

Overall, an in-depth understanding of these insurance fundamentals may lead you to more car insurance savings! Therefore, only select the best coverage that you believe will meet your requirements best.


Low Cost Car Insurance or Proper Liability Coverage?

November 17, 2017 · Posted in General Articles on Car Insurance · Comment 

Before you try to decide what the right amount of coverage should be. You first need to understand what Automobile Liability Insurance covers. There are always two factors that make up liability coverage. There is bodily injury and property damage liability.

Bodily injury liability covers injuries do to a car accident.

1. Initial aid

2. Doctor bills due to the accident

3. Restitution for lost salary

4. Death benefits

5. Legal counsel costs

Property Damage Liability covers the damage that is sustained in an accident:

1. Structural damage to homes, storefronts, etc.

2. Money to fix or replace other non-moving objects

3. Vehicle repair or replacement costs

So, what coverage limit are right for you? Every state compiles there minimum guidelines individually. 15,000/30,000/15,000 is the minimal norm but that may vary from state to state so check your state guidelines. You might have noticed that there are three coverage figures and not two. This is because bodily injury liability usually comes in a split limit unless you request a single limit of coverage.

Single vs split limit: In example above of 15,000/30,000/15,000 in coverage, this first 15,000 would cover individual injuries to others obtained from the accident you caused up to 15,000 per person. The 30,000 represents the maximum pay out for injuries caused to the while accident. If you had a single limit of bodily injury coverage it would be equal to 30,000 for the extra accident broken up as needed.

The number that always ends your liability coverage is your property damage limit in the above example it is represented by $15,000.

What is right amount of liability coverage? The most common amount of coverage is a split limit of $100,000/$300,000 bodily injury with a property damage coverage equal to $50,000. People that take out lower limit are really exposing themselves to financial disaster if they can’t afford to pay the difference when an accident occurs. For example, say you have $15,000/$30,000 bodily injury coverage and $15,000 property damage coverage. You get into an accident that is your fault with two vehicles a five year Honda Accord and two year old Chrysler 300. There are three people in the Honda and one person in the Chrysler. All have minor injury but are brought to the hospital and the person driving the Chrysler stays overnight for observation. Their bills will run over your $30,000 maximum for Bodily injury and the person driving the Chrysler will have individual hospital cost of more than $15,000. What does that mean? Once your coverage is used up you will be responsible for the rest. With hospital cost as expensive as they are that could mean a very costly bill to you. This doesn’t even take into account the amount of property damage that needs to be paid out. Since you hit two cars the damage for both comes out at $19,000. That is another $4,000 out of your pocket. The worst part of the whole thing was you thought you had full coverage and that it didn’t matter what happened. Full coverage only means that you have liability coverage, comprehensive and collision coverage but your limits on liability are the most important. Make sure they are set properly.

100,000/300,000/50,000 is the most common amount of liability coverage within today. The cost to the consumer to go from state minimums to 100,000/300,000/50,000 of even more coverage isn’t that much more expensive. It just makes sense to me to pay a little more now for more coverage. Rather then thousands more later. I was found at fault in an accident and caused, because I didn’t have coverage to pay for all the expenses I caused to to the accident.

How Comprehensive Auto Insurance Coverages Benefit You

November 15, 2017 · Posted in General Articles on Car Insurance · Comment 

Auto Insurance Coverage

Excluding basic liability coverage the most carried types of car insurance coverage are Comprehensive and Collision coverage. In this article we will explain what is included in each type of coverage and what there differences are. So, when it’s time to get free insurance quotes you’ll be ready.

Collision Coverage

Will pay for damages to your car from hitting another object, such as another car, tree, house or mailbox. This coverage is relatively expensive compared to the other coverages listed in your car insurance policy. Collision coverage is not required by law but may be by your financing or leasing company.

If you have an old car and it is not worth at least $2000, you might want to consider not buying collision coverage. You will likely pay more for the coverage than you would get if you filed a claim. This is because insurance companies are only required to pay for the lessor of either what the car is worth or the costs to fix it. They might deem you vehicle worth less than what it will cost to fix.

Comprehensive (Other than Collision) Coverage

This coverage will pay for almost all other damages to your vehicle including, theft, vandalism, severe weather, flood, fire, the hitting of an animal and glass including your windshield. This coverage isn’t as expensive as collision coverage and is chosen by many consumers. This coverage is also optional and not required by law.

When considering collision and comprehensive coverage, you should consider your deductible. A deductible is an amount of money you agree to pay as part of a claim before the insurer is committed to pay the rest of the claim. For example, if you carried collision coverage with a $200 deductible and you had a $500 loss, you would have to pay $200 and the insurance company would have to pay the remaining $300.

Having a deductible lowers the amount you have to pay for insurance because you are agreeing to take on part of the risk. The insurance companies also likes this because it reduces your chance of filing small claims, which are costly for them to process.

If you buy a new car and take out a loan the lending company will most likely require you to have collision and comprehensive coverage as part of your car insurance. The reason for this is because your vehicle is collateral for the money you borrowed and if they need to repossess your vehicle they need to make sure it will be worth what you borrowed.

In the event you have to buy, or decide to buy, collision or comprehensive coverage, you can save money by agreeing to the highest deductible you can afford to pay in the event of an accident. However, because comprehensive coverage is usually cheaper than collision coverage, many people save money by dropping the collision coverage and keeping the comprehensive coverage to protect against natural perils, theft and glass breakage.

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