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Are online auto insurance quotes reliable?

Amish Shah : I was thinking of going in for online auto insurances quotes but was advised that it is not save and that the rates are not accurate?

Compare auto insurance quotes online and get low auto insurance rates. Period.
Response : Amish, you are not the only one but still a lot of people fear online buying or shopping. They are afraid to get a quote online because they fear it isn’t safe? These are some of the top myths which need to be clarified. Thanks to the social medias online, people are now thinking of the web as much more reliable to get information quickly and instantly.
Let me explain that taking a quote online is no different than taking it from an insurance company or agent. In fact, the agent might not be aware of the latest changes. However when the auto insurance companies set up Web sites for you to put in information directly into the system, the auto insurance rates are calculated by special programs which are tested before they are launched. The insurance companies have specifically designed the program which would take in the entire algorithm to measure a risk and calculate the risk based on information. The insurance agents can also perform and do perform the same task; however the insurance companies save on operating cost and so prefer online auto insurance ratings. The insurance company does not have to pay the agent commissions and the amount given for online advertising and promotions is very nominal compared to the commissions. What is important here is that the information given by you is correct to get the correct quote. For example if you miss to give the detail of any accident or an additional driver than the quote will be different.

Secondly, when you get the quote you should look for any information or waiver given by the insurance companies. In case there is some special situation and there is no question pertaining to this, please do not hesitate to call up the insurance company’s customer service department and get the information or explain the situation. This customer service department person is well-versed of such situations and will walk you through the quote.
Here is a special tip, compare auto insurance quotes online and select the best or low car insurance rate which you like. Call on the insurance company and speak to their customer service department, you would get a fair idea of their customer dealings which is important for you and than go online and buy your insurance.

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Janet Jackson: How are zip codes used in calculating auto insurance quotes?

Response: Comparing auto insurance quotes is becoming very easy as time passes and this is the truth. Machines are soon replacing the humans and the insurance agents and it is time the insurance agents also accept this reality. Auto insurance rates are based on the geographical locations since the car insurance companies develop their data base on the geographical location. The auto insurance claims for the area and premium generated in the area will form the base of the base premium for that area. Now zip codes are associated with the geographical area and so as soon as the zip code is filled in the base premium or the base rate as the auto insurers or underwriters call it is decided. To this base rate is the loading of the type of car, the drivers, the driver history and other factors. Dedeuction of the discounts is than done and finally the final auto insurance quote is arrived at.

Most online car insurance rate calculators require that consumers enter the personal, vehicle and driver record details. Once this is filled than the online calculators will just be produce the quote and with the advanced technology you will get the quotes from about 5-6 auto insurance quotes. Check it out yourself right here. Compare auto insurance quote now and bank in your profits in terms of savings.

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Kentucky Car Insurance.

David: I live in Kentucky and would like to know the basic things for car insurance for Kentucky.

Response: This is a very broad question and so will touch olnly on the basics. Let me know your specific question in relation to car insurance it you have one. Here is a tip I want you to keep in mind : Compare auto insurance quote and know the rules and regulations of your state alongwith reviewing your car insurance coverage at all times.

What is Kentucky car insurance?

Kentucky car insurance protects you from financial loss in the event of a car accident.

Essentially, your Kentucky car insurance policy acts as a contract between you and your insurer which states that in exchange for paying your premium, the insurer will pay for any losses or damages resulting from a car accident. Also remember that your car insurance rates depend upon the vehicle and the chances of car theft. For more information on theft of car and car insurance.

Can I drive without Kentucky car insurance?

No!

The State of Kentucky requires all motorists to carry liability coverage in the amounts of 25/50/10. In other words, you must be insured for the following amounts:

  • $25,000 total for bodily injury per person
  • $50,000 total for bodily injury coverage per accident
  • $10,000 total for property damage per accident
  • The penalties for driving without Kentucky car insurance are rather severe. If you are caught driving without Kentucky car insurance, you could face fines between $500 and $1000 as well as 90 days in jail.

    The repercussions of driving without Kentucky car insurance may haunt you long after your legal obligations are met—you will be considered a high risk driver and therefore have difficulty finding affordable Kentucky car insurance.

    What if I can’t obtain Kentucky car insurance in the normal market?

    If you have been refused Kentucky car insurance in the last 60 days – and can provide proof of that refusal—you may be eligible for the Kentucky Automobile Insurance Plan, or KAIP.

    According to the Kentucky Department of Insurance, KAIP can be purchased through regular Kentucky car insurance agents, or through a broker. Due to the expense of KAIP coverage, you will want to continue shopping for Kentucky car insurance in the normal market. You may cancel your KAIP coverage if you find more affordable Kentucky car insurance—any remaining funds will be prorated and returned to you.

    Under what circumstances can my Kentucky car insurance cancel my policy?

    The Kentucky Department of Insurance reports that your policy may only be cancelled if:

  • You have neglected to pay your premium (following a two-week notice).
  • Your driver’s license is suspended or revoked (following a 20-day notice).
  • You have committed fraud against your insurance company or falsified information.
  • Can my Kentucky car insurance company choose not to renew my policy?

    Yes.

    Your company may choose not to renew your policy on account of claim frequency or traffic violations.

    However, your company or agent cannot deny you renewal because of your age, your credit history or a disability not affecting mechanically assisted driving.

    If you feel your policy was cancelled or non-renewed in error, you are encouraged to contact the Commissioner or Insurance within seven days of cancellation or non-renewal.

    What if I still have questions?

    For more information on KAIP and Kentucky car insurance, contact the Kentucky Department of Insurance at (800) 595-6053.

    Your questions and querries are alwyas welcomed.

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    Reader : What are the best liability policy limits? How do I reveiw car insurance coverage to get best auto insurance limits?

    Review car insurance coverage for auto insurance limits. Frank New York

    This is a very interesting question. When you want to know whether you have the optimum auto insurance limits, you will have to review car insurance coverage and compare auto insurance quotes. These are the two biggest tools that will help you save $, your hard earned money. There are certain liability limits which mandatory limits are fixed by the state.  The minimum limits of New York limits are sometimes together referred to as “$25,000/$50,000/$10,000” or “25/50/10 “. Most of the insurance agents would advise that the minimum policy limits for car insurance liability are not sufficient. The normal rule of the thumb adapted by the agents and insurance professionals for the average driver is 100/300/100. This means that:

    • 100,000 per person for bodily injury
    • 300,000 per accident for bodily injury
    • 100,000 per accident for property damage

    When deciding on the limits since the medical treatment cost is fairly same, the last limit of property damage would be best for a person who is not an average driver. Property damage is damage t the other car or landscape. This portion of liability would vary from place to place and depending upon the property damaged.

    It is interesting to note that the courts sometimes award very high amounts of liability costs. Please consider carefully your own and your families driving skills and financial stability before deciding on the auto insurance. Review car insurance coverage and compare auto insurance quotes and save money.

    Good question. Thanks.

    Best wishes.

    Kamlesh

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