Car Insurance - Section Home

Car Insurance typically called Auto Insurance protects the policy owner against financial damages in case of an accident. Accidents big and small happen each day right from a small stone hitting your windshield to a massive rollover which gives your car the status of being totaled. There are many components you need to understand about your Car Insurance and we try to bring as much information possible in this section.

The Car Insurance policy has three main types of coverage

• Property Coverage - this helps pay for the damages to your vehicle and will cover if your car gets stolen
• Medical Expense Coverage - When you are in an accident you need help paying the bills for the rehabilitation and treatment to your injuries. Along with it some policies provide lost wages and even funeral costs.
• Liability Coverage - This helps with the medical and legal costs of a third party whom you have injured or whose property you have damaged.

Here is the list of items covered in this section click on each topic to read more.

• Why does your car insurance cost what it does?
• Top things that affect your premium
• What is covered by the car insurance policy?
• Can I drive legally without insurance? 
  What if I lease a car? 
  Do I need insurance to rent a car? 
  What are the driving laws in my state? 
  Is there a difference between cancellation and nonrenewal? 
   
• BUYING A POLICY & SAVING MONEY
  How do I choose an insurance company? 
  Where can I buy insurance? 
  How can I save money? 
  How much coverage do I need? 
  What determines the price of my policy? 
  What information do I need to give to my agent or company?
  What can I do if I can't find coverage? 
  How do I insure my teenage driver? 
  Should I purchase an umbrella liability policy? 
  Will my insurance cover a rental car after an accident? 
   
• HELP! I HAVE TO FILE A CLAIM

  How do I file a claim? 
  What should I do if I am having trouble settling my claim? 
  If I file a claim, will my premium go up? 
  How are the value of my car and the cost of repair determined? 
  What are my rights when filing a claim? 
  Can my insurance company require me to use certain types of auto repair parts?

   

• SAFETY TIPS

  Shopping for a Safe Car 
  Teenagers & Safe Cars 
  Air Bag Safety 
  At the Scene of an Accident 
  Car Breakdown Safety 
  Child Safety Seats 
  Cell Phones & Driving 
  Road Rage 
  Elderly Drivers 
  Preventing Carjacking / Theft 
  Driving in Bad Weather 
  Avoiding Deer / Car Collisions 
   

Why does your car insurance cost what it does?

The cost of car insurance doe not seem even a little bit fair these days does it? Nope. It seem so random, you will find that it differs from person to person, even if they drive the same car? How is that possible? Car insurance should cost the same for everyone right?

Wrong. Why should those with good clean driving records pay the same amount of money for serial crashers? We shouldn’t. It is those bad drivers that are driving (no pun intended) up the cost of car insurance. But that is just one of the factors that can affect how much you pay each month for your car insurance.

Car insurance is something that  we all have to have if we want to drive on the road. Even if you live in a place where it is not required by law it is still a very good idea to get car insurance. Only car insurance will protect you if you get into a car accident. Accidents are called accident for a reason, no one plans to go out and get into one. If you are unlucky enough to get into one you will have the peace of mind knowing that you will not have to put out the money to get your car or the other car fixed. Good car insurance will even cover you if someone in one of the vehicles gets injured. Without car insurance you could find yourself getting sued for millions of dollars, do you have that kind of money to put out? We don't  think so , that is why you need to get car insurance to take care of you.

Top things that will affect your car insurance premium

Here are the top things that will affect how much money your car insurance is costing you:

Your driving record

If you have a bad driving record you are going to be putting out more money for your car insurance each month. The longer you go without having an accident the lower your car insurance rate will get.

Want to put more people on your policy?

Adding people to your car insurance policy can affect the amount of money that your car insurance costs you. If the other person has a bad driving record then you may find yourself having to pay their rates for your insurance.

Age

If you are young you could be facing higher car insurance rates as well. This is because you are not as experienced a driver and therefore you are seen as a higher risk. The same is true if you are a male. Men are riskier to insure than females and this means that you may have to pay more.

Get an alarm

If you get an alarm and you agree to use other anti theft  devices you may be able to get a discount on your car insurance. Ask your car insurance agent what kinds of measures you could put in place that would allow them to give you a better deal on your car insurance.