Kim :The media is constantly stating that private information should not be porvided. Hence I feel apprehensive in providing information for a quote.

Rsponse : Kim I understand your apprehesion and even I would personally feel the same. Let me assure you that the only time personal information such as a driver’s license or a social security number is needed is at the time of purchasing a  auto insurance policy. The insurers need to verify the applicant’s identity and can only do so by using this information and comparing it to national databases. While it’s easy for a person to give this information to an agent at the insurer’s office building, consumers become a little hesitant to provide them online. Rest assured this information is only going to the insurer and to no one else. Remember that the insurer has the to strickly abide to the privacy norms.

We have the ability to provide a list of quotes for auto insurance policies to drivers of all ages and experience levels. We can do this easily without the need of these personal numbers. To do so, we ask specific questions relating to the person’s experience behind the wheel and the answers need to be honest and accurate. When we have all of the answers to the questions, we’ll provide a page of quotes for the applicant, who can then review the quotes and companies and may purchase a policy if they desire to do so. There are no fees to use our service, nor is there an obligation to make a purchase. Again, the only time we will request a social security number or a driver’s license number may be at the time of purchase. To get quotes, we do not need those.

Please get your auto insurance quote and compare auto insurance quotes online.

Thanks.

Kamlesh

Andy Jekins: My car insurance bill was due about 3 weeks ago, but I didn’t pay for it yet. Will anything happen? Will they tow my car or will they just make me pay an extra fee?

Some insurance give you a 30 day grace period and then send you a cancellation notice. The notice is usually 10 days before the cancellation date. Very few carriers actually cancel the policy one day after the due date.

In many states, there are strict laws concerning lapsed insurance. In Georgia, if policy is cancelled the Dept. of Motor Vehicles is notfied after 10 days and will be fined. If it is your first offense, just pay your insurer to reinstate  your policy. If it is a second offense, the fine is bigger. If you donot pay the second fine your license will be suspended and your registration revoked.

If your vehicle is financed, your lein holder can force insurance on you.

Now, the worst thing that can happen is if you have an accident without insurance , hurt or kill someone or damage a property the liablity can be very high. You will loose all your assets and the cost of the legal matters could be very high. You might be put behind the bars for not being able to pay or for the offence of being a reckless driver without any insurance. The consequences can be very bad.

Presently in USA 1 driver out of every six drivers is driving uninsured and the insurance companies are planning to have an extra fine for being without insurance and hence your insurance premium could also be very high in the future. Imagine hurting someone you love in an accident and not getting the money for their medical expenses.

Honestly, this is a very irriational step or even a thought. Please instead compare auto insurance quote online at compare auto insurance quote 411 and you will be amazed at the low auto insurance premiums available. These are free online car insurance quotes.

Robert Pattinson: Can I drive legally without insurance?

Response : Recently the surrvey conducted  in USA has shown that out of every 6 drivers 1 driver is uninsured . I would not advise you to do this. The economy is bad and the job losses are high and so everyone naturally wants to save. Please compare auto insurance quote, review auto insurance policy, take a quote. I assure you that you will find the best auto insurance quote here online.

Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.

If you’ve financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

With low insurance quote, you can save – have a piece of cake and eat it too.

Padma Lakshmi :I would like to know what total breakdown is and whether this is covered in an auto insurance policy? 

Response : A total breakdown is when the vehicle becomes totally immobile and cannot be driven even a short distance to reach a repair shop, thereby necessitating a tow.  This can occur for a variety of reasons, including complete engine failure, or a dead starter or battery, though a dead battery may be able to be temporarily resolved with a jump start.

When a total breakdown occurs, the motorist may be able to have the service paid for by a roadside assistance plan. This may be available through an organization like AAA,  the vehicle’s manufacturer, the  vehicle insurance policy, or in some cases, another service the driver subscribes to, such as a  mobile  phone  carrier.

Some insurance companies provide the towing and the roadside services free off charge alongwith the comprehnsive coverage. Compare auto insurance policy to find out the different coverages and also incentives offered by the insurance company. Awareness is the key for getting low vehicle insurance or low auto insurance rates.

What is the uninsured motorist coverage and PIP coverage ?

In addition to compulsory auto liability coverage, some states require drivers to carry uninsured motorist coverage and others require drivers carry both uninsured (UM) and underinsured (UIM) motorist protection. Fifteen states plus the District of Columbia mandate uninsured motorist coverage for its drivers; they are: Illinois, Kansas, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Virginia and West Virginia.

Only six states enforce compulsory uninsured AND underinsured motorist coverage protection. They are: Connecticut, Maine, Minnesota, North Carolina (1/1/09), Vermont and Wisconsin.

Personal Injury Protection (PIP) also known as “No Fault” protection is the last major compulsory auto coverage law to which drivers may be subject. Sixteen states have in place compulsory PIP laws: Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. As is evidenced by its sheer concentration, PIP is very prevalent in the Northeast US; drivers in six of the 11 states from Maryland through Maine operate subject to “no fault” statutes.

Please Review car insurance  for checking the correct coverage which are mandatory and best  auto insurance rates. Happy and safe motoring. Bon Voyage.