A Great Way To Save Money On Your Auto Insurance! As Featured On EzineArticles
Compare Auto Insurance
Compare Auto Insurance Rates In Your Area...
Save upto $397-$597 on your auto insurance.
Enter your zip code below and click Submit
Insurance:
Zip Code:

Review Car insurance coverage Archives

Maura Tierney : What are car insurance quotes? Are car insurance quotes cheaper when you pay monthly or yearly?

Response : Car insurance quotes are the car insurance premiums that the insurance company is going to charge you if you insure with them. Car insurance quotes differ from each insurance company. This is the reason why one should compare auto insurance quote from time to time and ensure that you are getting the best deal. What is more important is that auto insurance qutoes are free and you can get the quote within a minutes from different insurers who are licensed to sell insurance in your area or state.

Car insurance comparison is important to know the coverage which is offered by the insurance company. Some companies provide free road service in case of an accident. You need to make sure that the coverage taken by you is atleast as per the mandatory requirement of the state. Besides this you should opt for limits which are sufficent that you do not have any financial problems in case of an accident. Without enough coverage there is the possibility of being sued for damages or injuries if you are found at fault for the accident.

It is also important when getting a quote to understand certain things about the coverage such as are there certain requirements to receive the price that is quoted. The amount of time the policy quote is for and what it will cover. One of the things that can change a policy once a quote is given is if you need to add or delete a driver there is the possibility that there will be a slight increase or decrease in the amount of the policy price.

Auto insurance can be paid monthly or yearly. Some insurance companies that charge a nominal fee of only a few dollars to break up the policy in payments, this is usually when making monthly payments.Car insurance policies can run monthly, every three months, every six months or yearly. While one quote might be cheaper yearly when it is divided up it might be twice as expensive. Compare the payments optiyons for the policy and remember getting a quote is not only a wise thing to do so that comparisons can be made.

Please take your time and make an informed decision. I know that all of us are very busy, but it is important not only to try and make money but also wiser to save money. Online comparing of auto insurance quote is not a fruitless excerise by any means.

Share and Enjoy:
  • Digg
  • del.icio.us
  • Facebook
  • NewsVine
  • Reddit
  • StumbleUpon
  • Google Bookmarks
  • Yahoo! Buzz
  • Twitter
  • Technorati
  • Live
  • LinkedIn
  • MySpace
  • MySpace

Auto Liability limits and proof for Albama.

Guy Laiberte : Hi! I am based in Alabama and would like to know what proof of insurance is required for driving my car – proof of auto insurance?

Response : Alabama has compulsory auto insurance. The goverment would make it compulsory to have liability limits since they are concerned about any harm to porperty or life. The insurance must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident (Act 2008-393). The policy must be issued by an insurance company qualified to issue motor vehicle liability insurance in Alabama.

The best proof of liability insurance is the insurance card issued by the insurance company. The insurance cards are issued by companies qualified to issue auto liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy. Insurance companies often issued cards two or more times a year. Motorists must be sure that the insurance card carried within the vehicle is current.
Other acceptable documents to prove insurance include:
o A temporary insurance card issued by the insurer.
o A premium receipt or insurance binder issued by the motorist’s insurance agent.
o The current declarations page of a liability insurance policy.
o The actual liability insurance policy issued for the vehicle.
o A certificate of liability insurance policy issued by either the insurer or an authorized agent.
o Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
o A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.

Here is an important tip, if your car is new or not more than 5 -7 years old you must go for a comprehensive auto insurance and compare auto insurance quote before you buy one. After you get the policy review auto insurance coverages to verify if you have the correct and optimum coverage.
Thanks.
Have a great day.
Kamlesh

Share and Enjoy:
  • Digg
  • del.icio.us
  • Facebook
  • NewsVine
  • Reddit
  • StumbleUpon
  • Google Bookmarks
  • Yahoo! Buzz
  • Twitter
  • Technorati
  • Live
  • LinkedIn
  • MySpace
  • MySpace

Matt Domian : I am having a problem understanding what are the coverages for auto insurance policy? If I do not know the coverages how can I compare auto insurance quotes or review auto insurance coverage ?

Response : Matt, this is a very good question. Let me explain the basic coverages and then I will give you an idea as to what to compare. A  basic auto insurance policy is made up of five different kinds of coverage:

  1. Bodily Injury Liability
  2. Property Damage Liability
  3. Medical Payments Coverage or Personal Injury Protection
  4. Uninsured & Under insured Motorist Coverage
  5. Physical Damage Coverage (Collision and Comprehensive)

Depending on the state where you live, you will find difference as to what is the legally required minimum coverage that you need.

All states require that you have some form of liability insurance when operating a motor vehicle. The basic insurance policy covers Bodily Injury Liability and Property Damage Liability. These coverages provide protection if you are found legally responsible for the injury or death of another person resulting from a car accident. Minimum auto insurance policy coverage amounts vary from state to state.

Medical Payments (or “Med Pay”) is an optional coverage that covers medical expenses for you and your passengers if injured in an accident (regardless of fault). Some states require that you carry Personal Injury Protection (a broader form of Med Pay that may include income replacement and disability benefits). Like Bodily Injury Liability, the amount of Med Pay you can purchase also varies from state to state.

Physical Damage Coverage, which is also optional, includes Collision and Comprehensive coverage. Basically, these two coverages protect your own vehicle from fire, theft (including contents), vandalism, or an upset with another vehicle or object – how much or how little you get depends on the value of what you’ve got.

Uninsured & Underinsured Motorist Coverage protects you and your passengers from people driving around with little or no insurance (or hit-and-run motorists). This coverage is required in many states.

Now let me tell you what to companre- first you will compare the coverages offered by the different companies for the same limits and compare the auto insurance rates and final premium charged by each one of them. Once, you have done this compare the other benefits given by each one of them – any additional coverages or services like road service, any electronic monitoring device for free. Last but not least compare the service reputation of the inusrance company. Many people worry about the stability and economic standing of the insurance company, however, this should not be a concern for the customer since the insurance regulatory bodies take care of this. Review auto insurance coverage and choice the right option for yourself.

Share and Enjoy:
  • Digg
  • del.icio.us
  • Facebook
  • NewsVine
  • Reddit
  • StumbleUpon
  • Google Bookmarks
  • Yahoo! Buzz
  • Twitter
  • Technorati
  • Live
  • LinkedIn
  • MySpace
  • MySpace

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.

Share and Enjoy:
  • Digg
  • del.icio.us
  • Facebook
  • NewsVine
  • Reddit
  • StumbleUpon
  • Google Bookmarks
  • Yahoo! Buzz
  • Twitter
  • Technorati
  • Live
  • LinkedIn
  • MySpace
  • MySpace

Review auto insurance for right coverages.

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.

Share and Enjoy:
  • Digg
  • del.icio.us
  • Facebook
  • NewsVine
  • Reddit
  • StumbleUpon
  • Google Bookmarks
  • Yahoo! Buzz
  • Twitter
  • Technorati
  • Live
  • LinkedIn
  • MySpace
  • MySpace