Category: Auto Insurance

What is Not Covered and Add-ons There are a few risks that homeowners insurance won’t normally cover.   Here’s a list of what is not covered.  Depending on what you own and where you live, you might need to supplement your policy with special coverage for these: Problems caused by lack of prevention or maintenance. Earth movements, landslides,…

Insuring Rental Cars Rental cars require insurance and it’s usually not included in the price of the rental. Before you rent, check with your insurance company to see what coverage you already have. In many cases, your personal auto coverage will apply to your rental. Be sure that you have collision and comprehensive coverage in…

Leased vehicle insurance can be a complex topic, but with the right information, you can make informed decisions about the coverage you need. Whether you’re leasing a car for the first time or have been leasing for years, understanding your insurance options can give you peace of mind and protect your investment. Understanding Leased Vehicle…

Young Drivers Insurance companies don’t like young drivers because they tend to have a much higher accident record, so they charge a much higher rate if they’ll insure them at all. It’s not just teens, the higher rates apply to drivers under 25, and are higher again for boys than girls. Here’s a few suggestions to keep the…

Shopping for Car Insurance Insurance terms are sometimes confusing.  Here’s a list of what to look for when shopping for car insurance: Types of coverage: Automobile insurance typically consists of several types of coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). It’s important to understand what each type of coverage entails…

Automobile Insurance – Legal Minimums Bodily Injury Liability and Property Damage Liability have legal minimums in most states, and more is often recommended. If you are financing the car, your lender will probably require collision and comprehensive coverage. Liability insurance covers you if you are sued and is usually expressed as a series of 3 numbers such…

How Much Car Insurance Do I Need? The answer varies for each individual set of circumstances, but for most people, the state required minimum isn’t enough. A common amount of bodily injury liability coverage is $100/300. That’s up to $100,000 of bodily injury protection per person and $300,000 per accident. Greater amounts might be better…

Insurance companies look for customers who are safe drivers and have a low risk of filing claims, avoiding applicants from groups that are riskier. These groups might include young or inexperienced drivers, those with high performance cars, or areas with a high risk of theft or vandalism.If you can’t find insurance, states have set up…

It happens to almost everyone at some time. You’re driving along, when all of a sudden, BOOM, you have an accident. When You Have an Auto Accident you should: Stay calm and check for injuries. Safety and personal health always comes first. Move your car to a safe place, turn on you hazard lights. Call…