Searching For The Right Deal On Auto Insurance Policies

December 8, 2017 · Posted in General Articles on Car Insurance · Comment 

Insurance is both necessary at times and often mandatory by law. If you drive, you should have at least a legal minimum of insurance. If you have a mortgage on your house then you would need to maintain some insurance even though the house is in fact owned by the mortgage provider. If the vehicle you drive is being paid for by finance then the finance company may set a certain level of insurance, otherwise the legal minimum is required. You should be sure you find and take out the best level of auto insurance for your own circumstances.

With auto insurance, the minimum part of the insurance by law is to pay for third party claims, where another car, person or property is involved and you are held responsible. Third party only insurance cover is the cheapest type of auto insurance but it will not cover your own car or yourself, only claims by third parties against you. If on the other hand the accident is caused by someone else, then any damage to your car or to you should be covered by their insurance policy. If you crash your car into an object like a wall or tree though, you will be liable for the cost of repair yourself.

If you really want to get the cheapest insurance available there are one or two things you need to think about. How old your automobile is? If you had an accident would it be viable financially to repair it? It is possible a vehicle under say $2000 may not be worthwhile saving. It is possible to find car insurance policies that would pay the full market value of the car or even the actual replacement cost of it. A car is usually classed as a right off by the insurance company if it is going to cost more to repair it than it is worth. These days $2000 does not pay for a lot of repairs particularly with many cars having expensive plastic panels and paint jobs.

You would probably need a higher level of cover if you had a more expensive car. The last thing you would want is to have an accident and then discover you had no vehicle until you could afford the repairs. Often with better auto insurance cover your expenses and even a hire car can be covered. So you really should discuss the car insurance cover with your family or whoever else is going to be involved with it and decide what level of cover you require.

You should of course always get as many quotations as possible when looking for auto insurance. Insurance companies will want your business as they will hope you stay with them for many years so be sure to try and get a good rate. There are many factors they will take into account such as driver ages, experience, location, number of miles to be driven, and previous driving record. It is still possible to get a better deal by checking enough companies though.


What You Need To Know About Car Insurance

October 21, 2017 · Posted in General Articles on Car Insurance · Comment 
car insurance
Car insurance or auto insurance is insurance against losses incurred due to thefts or accidents. If you are a car driver you need car insurance. In most of the states, having car insurance is mandatory by law but even if it is not so it is always best to get car insurance to protect oneself against the high costs of accidents. If you live in a state that requires car insurance, then you need to buy the minimum amount of coverage specified by law.

You can buy a car insurance policy based on the type of coverage you require. There are different types of car insurance coverage but primarily it can be grouped under three broad categories of liability coverage, physical damage coverage and uninsured motorist coverage.

Liability coverage pays for bodily injuries or death, and property damages caused to others by accidents. It is the primary part of most car insurance policies. Bodily injury coverage includes expenses involving medical bills, loss of income, and pain and suffering. Property damage covers you for damages caused to other people’s cars and property in an accident. The liability coverage also covers litigation costs for lawsuits filed against the insurance holder.

The second type of car insurance coverage is the physical damage coverage, which includes collision and comprehensive coverage. Collision coverage covers damages caused to your car by collision with another vehicle or object. Collision coverage is normally determined by the value of your car. The comprehensive coverage is for losses that are not related to car accidents. Damages caused by unforeseen disasters like floods, fire, earthquakes, theft and vandalism are covered by comprehensive coverage.

Uninsured motorist coverage covers for bodily injuries and property damages caused by uninsured motorists. The insured person’s policy will cover medical expenses sustained in accidents where the other driver is at fault but has no insurance.

Besides these three broad types of car insurance coverage, there are other insurance coverage too that are included in a car insurance policy.

Medical coverage pays for medical expenses for injuries caused to the insured driver and the passengers by car accidents, regardless of fault.

Personal injury protection coverage available in some states pays for medical expenses for the insured driver no matter who is at fault.

Rental reimbursement covers the cost of renting a car if your own car is being repaired as a result of accident or other insured damages.

Insurance policies usually combine various types of coverage. Knowing the laws of your state will help you in determining the minimum car insurance coverage you require. You can also opt for additional coverage based on how much money you can afford to lose in case of an accident.

By: Stephen Mcbride

About the Author:

Stephen Mcbride is the webmaster of a site dedicated to information on low cost car insurance

Do You Need Car Rental Insurance with Women’s Car Insurance?

October 18, 2017 · Posted in General Articles on Car Insurance · Comment 
car insurance
Even if you own your own car, rental services are sometimes essential for given situations. You might be going on holiday or taking a big trip which your normal run-around vehicle just couldn’t handle. Whatever the situation, if you are offered insurance on your car rental, just take a moment before signing on the dotted line, you may already be covered with your women’s car insurance.

Duplicate Insurance

A lot of women’s car insurance companies are very comprehensive and therefore if you are renting a car for hire the insurance may already have you covered. Buying duplicate insurance is expensive and totally unnecessary, particularly if you are insured with a women’s car insurance specialist which is likely to give you better cover than the standard policy offered by the car hire company.

This is particularly useful if you want to save money whilst abroad on holiday but it is always worth checking before you go away how comprehensive your cover is. Not all women’s car insurance is valid for rental cars outside of the EU for example, so if you are travelling further abroad make sure you check your policy.

Credit Card Insurance

Even if you don’t own a car but do need to hire a rental for a couple of days, there are other avenues outside of personal women’s car insurance that can help you avoid paying a premium price with the rental company. If you have a credit card then somewhere in the small print there’s probably a bonus about being covered for car insurance.

Different credit card companies have different regulations, some offer the service for free and others charge a small surcharge for the privilege. It’s possible that you have been paying for the bonus without taking advantage of it, so now is the time to check with your bank. Unlike being covered by a fully fledged women’s car insurance policy however, your credit card is only likely to cover you for a small basic model, so if you’re going to hire a smarter car, you will need to buy separate insurance.

Car Repairs

If your car is in the garage for a lengthy repair, then car hire is a necessary alternative for your travel arrangements. A number of women’s car insurance policies will pick up the tab not only for you to be insured on the rental car but to rent the car outright whilst your vehicle is being repaired. Don’t pay through the nose whilst your car is being patched up, check with your insurance company to see if your car rental is complimentary.

By: Kim chambers

About the Author:

Kim has 2 years experience writing articles for car insurance for women. She also enjoys writing articles on various other subjects.

Do I need to be on my parents car insurance policy to drive it for a day?

October 9, 2017 · Posted in FAQ · 11 Comments 
car insurance
john d asked:

I am over 18, and my parents live in my home. I do have a license, but don’t own a car as I take public transportation. Do I need to have auto insurance to drive his car for a few days? As in do I need to be put on the policy for just a day or two or is it alright? Assuming I don’t get into any accidents or get any violations?

What if someone hits my car & says she does not have her car insurance policy with her?

October 8, 2017 · Posted in FAQ · 9 Comments 
car insurance
chick asked:

She rear-ended me when we were stopped at a red light. She said she’s covered under her Father’s policy, but she didn’t have the policy info in her car. She didn’t give me her parent’s info. Would my insurance premium go up even though I was not at fault?

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