Friday, May 18, 2012
Best Auto Insurance!
Best Insurance Makes It Fast And Simple
Why run around to different insurance companies searching for just the right plan when insurance companies can compete for your business through free multiple no-obligation online insurance quotes from Best Insurance?
There is no better way to get the best car insurance deal possible than by having multiple insurance companies compete against each other on price and policy features through a free quote from Best Insurance.
Whether you want an affordable high deductible, low premium policy, high liability coverage because you have assets to protect, or anything in between you'll find it through a Best Insurance free quote.
Best Car Insurance Knowledge Base
Choosing the best auto insurance – understanding the differences
by Anita Johnston on 07/03/2010 12:05 PM
Learning the differences in auto insurance and understanding the benefits and options can save you tons of money. By understanding the various types of auto insurance available in your area, you will have the tools necessary to find the best auto insurance.
read more...Auto Insurance Lingo - What you need to know
by Anita Johnston on 08/02/2010 09:10 PM
When you talk with an auto insurance agent, you may feel like you traveled to Mars when he or she begins to speak. Going into to an auto insurance company without understanding auto insurance lingo is the worst thing you can do if you want to walk away with the cheapest auto insurance you can purchase.
Types of auto insurance coverage
by Anita Johnston on 08/05/2010 06:59 PM
Before you purchase insurance coverage, you know you want to get the best deal around and find the cheapest auto insurance you can with the coverage you desire. The best way to accomplish this is by comparing local insurance companies, but before you do that, you should understand the different types of auto insurance coverage so you will know what you need.
read more...What is no-fault auto insurance?
by Anita Johnston on 08/05/2010 09:42 PM
No-fault auto insurance offers benefits are provided no matter who was responsible for an accident. In most cases, due to this, by law you will need to have minimum coverage, which was designed to keep insurance costs, as there will be less paperwork involved. For your information, not every state in the US requires no fault insurance, so you will need to check with insurance requirements in your state to learn if this is a required coverage.
read more...Married versus Single auto insurance costs
by Anita Johnston on 08/07/2010 07:07 PM
The sad truth is that being married will give you discounts you cannot receive if you are single. The idea behind this concept is that married individuals are more responsible than single drivers. It is believed that once you are married you will not drive carelessly.
read more...Do I need uninsured motorist coverage?
by Anita Johnston on 08/13/2010 10:11 PM
This is a very popular question and you will have to decide on whether you wish to add uninsured motorist coverage to your auto insurance policy. The best way to make an educated decision is by learning more about the coverages and why this coverage is important.
Finding Cheap Auto Insurance
by Anita Johnston on 08/14/2010 12:12 AM
The best way to find the cheapest auto insurance is by comparing insurance companies and the benefits offered. Today, you can do this simply online and find the rates offered by every auto insurance company in your area.
read more...Adding your teenager on your auto insurance
by Anita Johnston on 08/14/2010 03:39 PM
Parents are very excited at the birth of their child, but as that child is closing in on the becoming a driver, the excitement turns into fear. Not fear of their child driving, but how much they will have to pay to their auto insurance company to cover their teenager. The good news is there are ways you can ensure to receive discounts and have cheap auto insurance even when you add your teenager to your auto insurance.
read more...Important steps when you are in an auto accident
by Anita Johnston on 08/14/2010 03:49 PM
Being in an automobile accident is a very frightening thing even if you are not injured and have auto insurance. Just the mere sound of the crash can be a devastating experience. If you are injured whether minor or major, the experience can be even more traumatic. You will more than likely be a bit disoriented and confused, but you will do fine if you remember to stay calm and follow a few important steps.
read more...Ways to get discounts on your auto insurance
by Anita Johnston on 08/14/2010 04:07 PM
With costs of living going up every day, looking for way to find cheap auto insurance is at the top of the most individual’s minds. Auto insurance is a mandatory in most states, so finding the coverage you need at the cheapest rate is a great idea, however, some people do not realize there are ways to receive discounts on their auto insurance. From adding safety features to combining your auto insurance with other insurances are just a few examples of ways you can receive discounts.
read more...Alabama Car Insurance Requirements
by Anita Johnston on 09/01/2010 06:36 AM
Minimum Amount of Liability Insurance
In the state of Alabama, each driver must have a minimum of $25,000 for injury liability for only one person in the case of an accident, $50,000 for all injuries that occur in an accident, and $25,000 for property damage that may occur in the case of an accident.
Alaska Car Insurance Requirements
by Anita Johnston on 09/01/2010 06:46 AM
In the state of Alaska, there are auto insurance requirements for bodily injury liability coverage and property damage liability coverage. The minimum amount of insurance you must carry for bodily injury liability is $50,000 for each person hurt in case of an accident and $100,000 for all individuals hurt in one accident. The minimum for property damage liability is $25,000 for harm or the damage of property to others in an accident.
read more...Arizona Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:16 AM
In the state of Arizona, all vehicles including motorcycles must carry a specific amount of bodily liability insurance and property damage liability insurance. The mandatory insurance is also required for golf carts and mopeds if they are to be driven on the street.
read more...Arkansas Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:18 AM
In the state of Arkansas, it is mandatory for those driving on the roadways to carry bodily injury liability and property damage liability insurance. The minimum amount of bodily injury liability insurance a person must carry is $25,000 for the injury of one person in the case of an accident and at total of $50,000 per car accident. The minimum amount of property damage insurance a person must carry is $25,000.
read more...California Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:21 AM
In the state of California, the laws changed in 2006 in the way in which the Department of Motor Vehicles confirms individuals have insurance on their cars. The laws were changed so that in the case of an accident all drivers will have liability insurance so they financial responsibility for injury or damage will be available and to help rid the roadways in California from uninsured cars.
read more...Colorado Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:25 AM
Colorado auto insurance requirements changed in 2003. Prior to this time, all Colorado drivers had to carry PIP or personal injury insurance, which would pay for injuries or damages no matter who was at fault, considered no fault insurance. This changed in 2003 and now Colorado is using a Tort System, which means when an accident occurs a person will be at fault and will be financially responsible for injuries and damages.
read more...Connecticut Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:30 AM
In the state of Connecticut, it is mandatory to carry bodily injury liability insurance and liability property damage insurance. The minimum amount of coverage for bodily injury is $20,000 in the case one person is injured $40,000 for more than one person, and $10,000 for property damage. This coverage is for all vehicles that travel on the roadways in the Connecticut including motorcycles.
read more...Delaware Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:36 AM
In the state of Delaware, it is mandatory that liability insurance be carried. The minimum amounts for bodily injury liability for one accident is $15,000 for each person and $30,000 for all individuals, and $10,000 for property damage. It is also required to carry insurance that will cover funeral expenses not to exceed $5,000 for each person. All cars in the state of Delaware are required to carry this insurance if the car is only used for off road purposes.
read more...Florida Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:40 AM
In Florida, auto insurance is mandatory for all vehicles with four wheels. The amount of personal injury protection is $10,000 and property damage coverage is $10,000 for any car with a Florida license plate.
read more...Georgia Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:42 AM
In the state of Georgia, it is mandatory for car owners to have continuous liability insurance if they drive the car legally, register the car to receive a license plate, or replace, renew, or transfer their license plates. Non-motorized vehicles are not included under this law and do not have to carry insurance.
read more...Hawaii Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:51 AM
In Hawaii, the minimum bodily injury liability insurance coverage is set at $20,000 per individual that is injured in one accident and $40,000 for all individuals injured in one accident. As well as requiring bodily injury insurance, it is also required to carry $10,000 minimum for property damage.
read more...Idaho Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:54 AM
In the state of Idaho, state law mandates that every vehicle carry liability insurance. The minimum bodily injury liability that has to be carried is $25,000 for one individual in one accident and up to $50,000 for all injuries in one accident along with a minimum of $15,000 per property damage.
read more...Illinois Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:56 AM
In the state of Illinois liability insurance is required with the minimum for one bodily injury coverage for one individual at $20,000 and $40,000 total for injuries in one accident as well as $15,000 for property damage involved with one accident.
read more...Indiana Car Insurance Requirements
by Anita Johnston on 09/06/2010 09:59 AM
In the state of Indiana, liability insurance is required for vehicles traveling on the roadways. The minimum bodily liability injury coverage for one person for one accident is $25,000 with a $50,000 limit for all injuries to all persons in one accident and minimum property damage insurance in the amount of $10,000 per accident.
read more...Iowa Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:01 AM
In the state of Iowa, the required minimum bodily injury liability insurance that a person must carry of their car is $20,000 for each person that is injured in an accident up to $40,000 for all injuries from one accident and $15,000 for property damage.
read more...Kansas Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:04 AM
In the state of Kansas, all motor vehicles must carry liability insurance in the amount of $25,000 for bodily injury for one person for one accident, $50,000 for all bodily injury for all persons in one accident, and $10,000 for property damage.
read more...Kentucky Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:06 AM
In the state of Kentucky, liability insurance is mandatory but you can choose a split limit or a single limit. The split limit that is required is $25,000 for each person harmed in one accident and $50,000 for all persons injured in one accident. This policy also requires property damage coverage of $10,000 per accident. The single limit policy is $6,000 for all damages for one accident.
read more...Louisiana Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:09 AM
In the state of Louisiana, it is mandatory for vehicles on the roadways to be covered by liability insurance. For one person in one accident the minimum bodily injury liability coverage is $10,000, $20,000 for all injuries in one accident, and $10,000 for property damage.
read more...Maine Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:10 AM
In the state of Maine, liability insurance is required on all vehicles that are driven on the roadways. The minimum required for bodily injury is $50,000 for one individual in one accident and a cap of $100,000 for all individuals in one accident and $25,000 for property damage for one accident.
read more...Maryland Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:13 AM
In the state of Maryland, it is required by law to carry bodily injury liability insurance in the amount of $20,000 for one person in one accident and a cap at $40,000 for all individuals injured in one accident along with $15,000 for property damage.
read more...Massachusetts Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:16 AM
In the state of Massachusetts, it is mandatory to carry liability insurance on all vehicles driven on the roadways in the state. The minimum bodily injury liability is $20,000 for one individual in one accident, $40,000 for all injured in one accident and $5,000 for property damage.
read more...Michigan Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:18 AM
In the state of Michigan, it is required that all vehicles carry liability insurance. For one individual injured in one accident the amount is $20,000 and for all individuals in one accident the amount is $40,000. Property damage liability must also be carried in the amount of $10,000 for one accident.
read more...Minnesota Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:20 AM
Minnesota car insurance requirements are a bit different from other states. Car insurance requirements in this state include liability insurance, personal injury protection, uninsured motorist insurance, and underinsured motorist insurance.
read more...Mississippi Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:22 AM
In Mississippi state law requires liability auto insurance with the minimum amount for one person injured in one accident covered to be $25,000, for all individuals injured in one accident $50,000, and $25,000 for property damage.
read more...Missouri Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:24 AM
In the state of Missouri like many states across the nation requires liability insurance on all vehicles that drive on their roadways. The minimum amount of bodily injury insurance an individual must carry is $25,000 for one individual in one accident, $50,000 for all individuals in one accident, and $10,000 for property damage.
read more...Montana Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:26 AM
As most states, Montana requires liability insurance for all vehicles driven on their roadways. The amount of bodily injury liability insurance that must be carried for one injured person in one accident is $25,000, for all individuals injured in one accident the amount is $50,000, and property damage is $10,000.
read more...Nebraska Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:28 AM
In the state of Nebraska, by law liability insurance must be carried on all vehicles. The minimum amount of bodily injury liability insurance is $25,000 for one individual in one accident, $50,000 for all individuals in one accident, and $25,000 for property damage.
read more...Nevada Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:30 AM
The state of Nevada requires liability insurance on all vehicles operating on their roadways. The minimum amount of bodily injury liability insurance that must be carried is $15,000 for one injured person in one accident, $30,000 for all individuals injured in on accident, and $10,000 property damage for one accident.
read more...New Hampshire Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:40 AM
The state of New Hampshire does not have mandatory insurance requirements, however, they do have a financial responsibility law that requires the at fault driver to be responsible for financial costs incurred due to an accident.
read more...New Jersey Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:42 AM
In the state of New Jersey, the mandatory financial responsibility law requires all vehicles to have liability insurance. The amount of minimum bodily injury liability required is $10,000 for one injured individual in one accident and $5,000 for property damage.
read more...New Mexico Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:52 AM
In the state of New Mexico, liability insurance is required by law. The minimum amount of bodily liability insurance required is $25,000 for the injury or the death of one individual in one accident, $50,000 for all injuries or death in one accident, and $10,000 for property damage. In such cases, that the car owner has a surety or cash deposit submitted to the state treasurer the amount required is $60,000.
read more...New York Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:54 AM
In the state of New York, the law requires liability insurance for all vehicles operating on the roadways. The minimum requirements include $25,000 for one person injured in one accident, $50,000 for all injuries in one accident, $50,000 for the death of one person in one accident, $100,000 for the death of more than one person in one accident, and $10,000 for property damage.
read more...North Carolina Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:55 AM
In North Carolina, the Vehicle Financial Responsibility act of 1957 issues the requirements for liability insurance to be carried on all vehicles registered in the state. As well as requiring liability insurance, this insurance must be maintained during the life of the registration. The mandatory bodily injury liability insurance required is $30,000 for one individual injured in one accident, $60,000 for all individuals injured in one accident, and $25,000 for property damage that occurred during one accident.
read more...North Dakota Car Insurance Requirements
by Anita Johnston on 09/06/2010 10:57 AM
In the state of North Dakota, private passenger vehicles are required by law to carry liability insurance. The minimum bodily injury liability requirements are $25,000 for one injured individual in one accident, $50,000 for all injured individuals in one accident, and $25,000 for property damage for one accident.
Ohio Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:00 AM
In the state of Ohio, the required amount of bodily injury liability to cover one individual injured in one accident is $12,500, $25,000 for all individuals injured in one accident, and $7,500 for property damage. However, residents can opt for other financial responsibility options besides carrying liability insurance.
read more...Oklahoma Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:02 AM
In the state of Oklahoma, it is mandatory to carry liability insurance on all vehicles that operate on the roadways. The minimum amount of bodily injury liability insurance that must be carried is $25,000 for one injured individual in one accident, $50,000 for all injured individuals in one accident, and $25,000 for property damage.
read more...Oregon Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:04 AM
In the state of Oregon, it is mandatory by law to carry liability insurance as well as personal injury protection and uninsured motorist insurance. The minimum amount of coverage is $25,000 for one person injured in one accident, $50,000 for all individuals injured in one accident, $10,000 for property damage, and up to $15,000 personal injury protection no matter who was at fault in the accident.
read more...Pennsylvania Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:06 AM
In the state of Pennsylvania liability insurance is required with minimum amounts for bodily injury for one individual in one accident at $15,000, $30,000 for all injuries in one accident, $5,000 for property damage, and $5,000 for medical expenses.
read more...Rhode Island Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:08 AM
In the state of Rhode Island, liability insurance is required by law, however, residents can choose from a split limit or single limit insurance policy. The minimum amount of coverage with a split limit policy is $25,000 for one individual injured in one accident, $50,000 for injuries in one accident, and $25,000 for property damage in one accident. The minimum single limit is $75,000 for all the damages in one accident.
read more...South Carolina Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:10 AM
In the state of South Carolina, it is mandatory that all vehicle carry liability insurance. The minimum amount of bodily injury liability insurance a car owner must carry is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $25,000 for property damage for one accident.
read more...South Dakota Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:24 AM
In the state of South Dakota, state law requires all drivers operating a vehicle on the roadways in the state carry proof of liability insurance or proof of financial responsibility. The minimum bodily injury liability required by law is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $25,000 for property damage in one accident.
read more...Tennessee Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:26 AM
In the state of Tennessee, liability insurance is required for all vehicles registered and operated on the roadways in the state. Residents do have a couple of choices when it comes to their policies, which are split limit or single limit. Minimum requirements for a split limit policy is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $10,000 for property damage in one accident.
read more...Texas Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:28 AM
In the state of Texas, liability insurance is mandatory on all vehicles that operate on the roadways in the state. The minimum bodily injury liability insurance that must be carried is $25,000 for one individuals injured in one accident, $50,000 for all injuries in one accident, and $25,000 for property damage in one accident.
read more...Utah Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:35 AM
In the state of Utah, it is required that all motorist carry liability insurance as well as personal injury protection. Residents have a choice between a split limit and a single limit insurance policy. The minimum required amounts for a split limit policy is $25,000 for one injured individual in one accident, $50,000 for all injuries in one accident, and $15,000 for property damage in one accident.
read more...Vermont Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:37 AM
In the state of Vermont, it is required by law that all vehicles carry liability insurance as well as uninsured motorist insurance. The minimum amount of bodily injury liability required is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $10,000 for property damages arising from one accident.
read more...Virginia Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:38 AM
In the state of Virginia, all vehicles are required by law to be covered by liability insurance. The minimum amount of bodily injury liability insurance is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $20,000 for all damages that occurs in one accident.
read more...Washington Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:40 AM
In state of Washington, liability insurance is required by law for every private passenger vehicle on the roadways. The minimum amount of bodily injury liability is $25,000 for one individual injured in one accident, $50,000 for all individuals injured in one accident, and $10,000 for property damages in one accident.
read more...West Virginia Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:42 AM
In the state of West Virginia, it is mandatory that all vehicles registered in the state carry liability insurance. The minimum amount of bodily injury liability insurance is $20,000 for one individual injured in one accident, $40,000 for all injuries in one accident, and $10,000 for property damage in one accident.
read more...Wisconsin Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:44 AM
In Wisconsin, the law mandates that all vehicle owners carry liability insurance as well as uninsured motorist insurance. The minimum amount required by law for bodily injury liability insurance is $25,000 for one individual injured in one accident, $50,000 for all injuries in one accident, and $10,000 for property damage in one accident.
read more...Wyoming Car Insurance Requirements
by Anita Johnston on 09/06/2010 11:45 AM
In the state of Wyoming, the law requires liability insurance to be carried on all vehicles that operate on the roadways in the state. The minimum required amount of bodily injury liability insurance is $25,000 for one individual in one accident, $50,000 for all injuries in one accident, and $20,000 for property damage in one accident.
read more...6 Ways to Save on Car Insurance for Teen Drivers
by Anita Johnston on 10/02/2010 07:44 PM
The cost of car insurance is affected by research performed on auto crashes, which usually puts the cost of insurance for teen drivers at shocking prices. The reason this is true is that when teen driver accidents are compared to other age drivers, more accidents involve teen drivers. Even more so terrifying is the fatality rate in these accidents is very high as well when compared to drivers of other ages.
read more...Buying Car Insurance Online
by Anita Johnston on 10/02/2010 07:48 PM
Buying car insurance online has never has been easier especially with our website. We have done all the work by providing a group of insurance companies in your local area that are actually competing for your business. When you fill out the form to receive a quote, each insurance company understands you are comparing quotes from local companies, thus you will receive the most competitive quotes in the market.
read more...Guide to Evaluating Cheap Car Insurance
by Anita Johnston on 10/06/2010 04:27 PM
With the economy, the way it is right now, everyone want to save as much money as they can. They are changing to energy efficient appliances, turning off lights they are not using, and even keeping the thermostat at higher or lower temperature than they normally do according to the season. But, what about when it comes to car insurance? Is there a way to evaluate cheap car insurance? The answer is yes.
read more...How Do I Know If My Auto Accident Insurance Settlement Is Fair
by Anita Johnston on 10/12/2010 04:45 PM
You can be the safest driver on the road and still wind up in an accident due to other drivers. The main problem after the accident in trying to decide if the settlement you are offered from the insurance is adequate or fair.
read more...What Is Actual Cash Value
by Anita Johnston on 10/14/2010 10:58 AM
Actual cash value is a term you will hear used by your car insurance agent. What this is is the amount of money that will be needed to replace an item that has been damaged without a possibility of repairing, lost, or stolen. Many policies are now written with this type of wording and many policy holders prefer this type of policy. The problem is that most policy holders are not aware of the limitations that are placed on actual cash value.
read more...How To Negotiate A Settlement With An Insurance Claims Adjuster
by Anita Johnston on 10/25/2010 02:17 PM
After your car accident, you may have an insurance claims adjuster visit you in the hospital or even at home while you are recuperating. If you are still not up for this, say so. Do not let the adjuster manipulate you into signing any type of agreement. During your hospital, stay is certainly not the time to be signing an agreement. Do not let the adjuster have the upper hand, let him or her know that you will call when you are ready for a meeting.
read more...How Your Car Insurance Rates Are Calculated
by Anita Johnston on 10/27/2010 02:05 PM
As you leave the insurance company, you are more than likely wondering how in the world the agent came up with the insurance quote you just received. It is not really a mystery or some scientific calculation. The process is the same for every insurance company, even though they all have a price scale they use that is different from other agencies.
read more...Know Your Car Insurance Policy Options
by Anita Johnston on 11/01/2010 08:04 AM
Just about every state across the nation requires at least liability insurance on every vehicle on the road in their state. However, do you understand exactly what you must have and what it covers as well as other options you have with our auto insurance?
read more...Motor Vehicle Accident Insurance Claim Guide
by Anita Johnston on 11/03/2010 01:44 PM
If you are involved in any type of car accident, the insurance claim is basically the same you will need to fill out and turn into your insurance company. This guide will help you through all the paperwork.
read more...Reasons To Change Your Car Insurance Company
by Anita Johnston on 11/03/2010 01:49 PM
Some individuals change insurance companies if they find a better rate or they are tired of rude customer service agents. What you may not realize is that you can actually change insurance companies at any time you desire. There are no solid agreements in place stating that you can change at any time you want.
read more...What is Liability and Collision Car Insurance?
by Anita Johnston on 11/08/2010 01:21 PM
Some individuals when purchasing car insurance are not aware of the differences in coverage when it comes to liability and collision car insurance. In most states across the nation, liability insurance is mandatory by law whereas collision insurance is an option.
read more...What if I can't find coverage?
by Anita Johnston on 11/14/2010 01:17 PM
Finding insurance through private auto insurance companies can be difficult if you have a driving record that is not up to par, if you own a high performance car, if you are new to driving, if you do not have a previous insurance record, and if you live where vandalism and theft is high.
read more...What should a married couple with great driving records pay?
by Anita Johnston on 11/14/2010 01:39 PM
You might believe that if you are married and you both have great driving records that you will receive the best rates around, the truth is that there are many factors that go into determining the rate you will pay for auto insurance which can be cheap or expensive due to the list of factors.
read more...What is an SR-22?
by Anita Johnston on 11/29/2010 10:36 AM
An SR-22 is a document or certificate that states you have car insurance. In most cases, law in some states requires these for those that have been involved in an accident and were not covered by insurance at the time of the accident or for individuals that have been convicted of driving under the influence of drugs or alcohol.
read more...The Disadvantages of Getting the Minimum Liability Auto Insurance
by Anita Johnston on 11/29/2010 10:39 AM
Just about everyone is looking for ways to save money in this economy and in most cases, they are turning to their auto insurance and looking at ways to get the lowest rate possible. Due to this, most are only carrying minimum liability car insurance, which of course is mandatory in most states.
read more...High-risk auto insurance facts
by Anita Johnston on 11/29/2010 10:41 AM
There are many drivers out there that are considered high-risk drivers, which means the cost of auto insurance is going to be high when compared to other drivers. The best thing for high-risk drivers to do is to only look for high-risk insurance companies, as they will offer the best rates available. The reason high risk drivers have to pay more for auto insurance is that they are a great liability to any insurance company, meaning they will file more claims than the average driver.
read more...Questions you should ask your auto insurance agent
by Anita Johnston on 11/29/2010 10:44 AM
In specific states across the US, there are independent insurance agents as well as a direct writer, before you know what to expect you should first learn the answer to this question. If you are going through an employee of a direct insurance company, then these employees can only sale through that company only whereas an independent insurance company can sell through many different insurance carriers.
read more...How to Reinstate a Lapsed Auto Insurance Policy
by Anita Johnston on 11/29/2010 10:46 AM
There are many difference reasons an auto insurance policy may lapse, whether it was an overlooked bill, no money at the time to pay the premium, or due to canceling the insurance while not driving the car.
read more...Should I purchase disability insurance with my auto loan?
by Anita Johnston on 12/01/2010 07:42 AM
With all the excitement of driving off the lot in a brand new car, many individuals while sitting in the finance office of the dealership are only half listening when they are asked some pretty important questions. One of the most important questions you will hear if you are listening is if you want to add disability insurance to your car loan.
read more...What is GAP insurance?
by Anita Johnston on 12/01/2010 07:44 AM
GAP is the abbreviation used for guaranteed auto protection and will cover the difference between the current price of the auto on the market and what is left on the loan to pay.
read more...Auto Insurance Rates for Women
by Anita Johnston on 12/01/2010 07:46 AM
Auto insurance rates for women are often quite a bit lower than the rates for men. The reason this is true is that most insurance providers have the belief that females are more careful on the roadways than men are so they are less likely to have an accident and file a claim.
read more...Commercial Auto Insurance Guide
by Anita Johnston on 12/01/2010 07:47 AM
If you own a business and provide employees with vehicles to drive for business purposes, you may be interested in learning more about commercial auto insurance. This type of insurance is only available for businesses and can certainly be an added plus when it comes to covering not only the employees but also the cars or trucks that are used in the business. A company being sued after an auto accident can be devastating especially if the business is small.
read more...Differences between non-owned vehicle liability insurance and hired auto insurance
by Anita Johnston on 12/01/2010 07:48 AM
The liability coverage's for non-owned cars and trucks that your company may need are usually called non-owed auto insurance or hired auto insurance also known as ISO 8 or ISO 9.
read more...Guide to changing auto insurance companies
by Anita Johnston on 12/01/2010 07:50 AM
Changing insurance companies happens all the time, however, if you do not do this in the correct manner, you may find that you have no insurance at all until the new policy begins. The worst thing a person can do is cancel their insurance before they have insurance with another insurance company in place. A lapse in coverage can cost thousands of dollars if you are in an accident before the new insurance begins to cover your car.
read more...Do gas prices affect auto insurance rates?
by Anita Johnston on 12/04/2010 04:06 PM
Gas prices in general may not affect auto insurance rates; however, other factors that go along with the price at that pump actually have quite a bit to do with the cost of our insurance.
read more...How high risk is defined when it comes to auto insurance
by Anita Johnston on 12/04/2010 04:08 PM
Understanding how insurance companies define high risk and how this calculation is determined is very important, especially if you want to steer clear of being branded as a high-risk case.
read more...How much auto insurance do you need?
by Anita Johnston on 12/04/2010 04:09 PM
Everyone that drives on the roadways needs car insurance whether what is mandated by law or to protect themselves, their car, and their family in the case of an auto accident.
read more...Should I include GAP on my auto loan?
by Anita Johnston on 12/04/2010 04:11 PM
In order to make an educated decision as to whether you should include GAP insurance on your auto loan, you must understand how it can help you in the case of an accident.
read more...Are Windshield Repair and Roadside Assistance included in my auto insurance?
by Anita Johnston on 12/14/2010 02:04 PM
There are many reasons that a windshield may need repair from a rock hitting the glass and causing a small chip to a crack. You may not believe this small blemish is anything to worry about, but you should realize that the crack could grow especially with temperature changes. If you decide to have the windshield repaired, you may just believe your auto insurance will cover the costs.
read more...Military personnel auto insurance facts
by Anita Johnston on 12/14/2010 02:05 PM
Military personnel whether on active duty or retired can benefit from lower car insurance premiums as most insurance companies categorize military personnel as more responsible and should receive discounts for servicing their country by being members of the military. Even with this said there are still quite a few advantages to comparing insurance companies, as all insurance companies will have different rates.
read more...Protect yourself against restrictions and limitations
by Anita Johnston on 12/14/2010 02:07 PM
Everyone knows there is fine print on their car insurance policy and most usually ignore this and never take the time to read this at all. The problem is that in this fine print are the restrictions and limitations that the insurance company has set. If these limitations are not met, the insurer can lose the benefits.
read more...What affect does an uninsured driver have on my auto insurance rates?
by Anita Johnston on 12/14/2010 02:08 PM
Uninsured drivers on the road are at an estimated 13% and these drivers are according to recent studies ten times more likely to be in an auto accident that insured drivers. It may not seem fair, but these drivers are actually driving up the costs of auto insurance, which makes more drivers drop their coverage, as they are unable to pay the high premiums, which then again makes the rates go higher. This is a vicious cycle, but someone has to pay for the damages and injuries caused by uninsured drivers.
read more...What are declaration pages in your auto insurance policy?
by Anita Johnston on 12/14/2010 02:11 PM
The declaration pages found in your car insurance policy are very important even though most people do not understand them. The information below will provide you with a rundown of what information is presented but possibly not in the same order as your own policy.
read more...What is Loss of Use Term in Auto Insurance?
by Anita Johnston on 12/27/2010 07:35 AM
If you believe your auto insurance covers the use of a rental car while your car is being repaired, you may be quite surprised when the need arises. Most insurance policies do not cover rental cars and they can be very expensive.
read more...Will my hybrid help me save money on my auto insurance?
by Anita Johnston on 12/27/2010 07:37 AM
If you want to rush out and purchase a hybrid to get better rates on auto insurance, you had better do some research first, or you may not be as pleased as you might imagine.
read more...Do I need accident and health insurance on my car loan?
by Anita Johnston on 12/27/2010 07:45 AM
When buying a new car the majority of individuals are not often prepared for a few of the questions they will be asked when they enter the finance office at the dealership, such as if they want to add accident and health insurance to their car loan. Most just say yes or no without really understanding what the insurance is for and if they actually need this insurance.
read more...Is full coverage insurance mandatory with a new car loan?
by Anita Johnston on 12/27/2010 07:46 AM
A lending company in most cases requires everyone that gets a new car loan to purchase full coverage insurance. It is different for each state and the different lending companies, but in most cases, this is the normal procedure.
read more...Is full coverage insurance mandatory with a used car loan?
by Anita Johnston on 01/03/2011 08:37 AM
When you apply for a used car loan, you may hear that you have to carry full coverage insurance, the truth is there are three types of insurance you need to carry on the car, which are often just termed as full coverage. The three types of insurance needed to be carried on a car when a loan is involved are liability, comprehensive, and collision.
read more...Should I purchase additional insurance from my agent or the car dealership?
by Anita Johnston on 01/03/2011 08:41 AM
Purchasing additional insurance for your car loan may be a good idea; the question is often whether to go with the car dealership or your own insurance carrier. The answer is that is always good advice to talk with your agent if you plan to purchase a new or used car to see what kinds of insurance is available and to receive a quote before you go to the car lot. If you are wondering why you should do this, then reading this article will provide you with the answers.
read more...What is benefit of GAP insurance with a car loan?
by Anita Johnston on 01/03/2011 08:42 AM
Lenders require full coverage insurance when you buy a new car and you know this is perfect and you have no worries if the car is totaled during a wreck or is stolen.
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