Tag Archives: Coverage

Cheap Full Coverage Auto Insurance Guide: Learn About Different Options and Where to Find Good Rates

No matter which state you live in, you’ll be required by law to have at least some sort of auto insurance. The basic requirements vary from one state to the next, but essentially you’ll need enough coverage to help pay for any damage or injuries you might cause others. What if it really isn’t your fault, though? What if you wind up in the hospital yourself? Or what if you don’t have enough money to pay for having your own vehicle repaired? The best thing to do is try to find cheap full coverage auto insurance.

Check out different quotes to see how you can get a deal on comprehensive and collision insurance. There are many sites that allow you to look over various policies. You’ll likely have to enter in some personal details, like your age, state, car model and make, and how long you’ve had it. There are obviously going to be some factors that affect the types of rates you get, from your driving record to your credit rating. The higher “risk” that you are, the higher the rates you’ll get.

Try to find coupons and special discounts wherever and whenever you can. Auto insurance discounts usually come in three types: ones based on your policy, for car safety features, and for being a good driver with a clean record. The rates tend to be higher for younger drivers, as they are considered higher risk when compared to older, more experienced drivers.

Adult Drivers Can Get Cheap Full Coverage Auto Insurance

However, even if you are an adult driver who’s had your license for years, you still might have difficulty obtaining cheap full coverage auto insurance if your record isn’t the cleanest. Carefully look over the “Discounts” page of a car insurance company’s site to see if there is any type of savings you might qualify for.

There is no rule that says you have to get vehicle insurance by one of the major companies. There are many small companies throughout the country that offer decent rates. With the smaller providers, you can get a more personalized experience as well.

Think about your own limits and deductibles. If you are financially comfortable, then it’s probably okay to opt for a higher collision / comprehensive deductible. Raising the deductible obviously means that you’ll get cheaper insurance, whether you pay for it monthly or annually.

It goes without saying that you should ALWAYS read reviews and comments about different insurers when comparing rates. One place that’s been getting plenty of reviews these days is esurance. There are tons of cheap full coverage auto insurance esurance discounts that you might quality for.

The Basics Surrounding Insurance Claims and Coverage for Car Fires

If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.

Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.

Motor Vehicle Accidents

Motor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.

In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.

Garage Fires

In the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.

Engine Fires

Engine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.

Arson

There’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.

Sell a Totaled Car for Cash

If your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!

PIP: Insurance Coverage That You Want Together With Your Auto Policy

Ever hear of PIP? For those unfamiliar, we’ll give you the long form name for this form of coverage. Personal Insurance Protection is an extension of an auto insurance policy that is an optional coverage in some states, a required coverage in others and not available in still other states.

What is it?

PIP or Personal Insurance Protection is a medical insurance that protects you or your passengers if there is an injury from a car accident. If you have acquired it, PIP will cover medical costs and more even if you are responsible for the accident or collision.

Understandably, the coverage is also known as ‘no-fault insurance’ due to the nature of coverage not being dependent on liability.

Of course in states like New Jersey, New York, Pennsylvania and Florida where the Personal Insurance Protection is mandated, drivers need only get a minimum required amount of coverage.

This is where the insurance professionals put in their advice.

“Don’t get the minimum amount of PIP coverage,” they say. “Even if you find your overall auto insurance premium on the rise due to our recommendation of at least $250,000 in the associated coverage, you’ll be thankful if the need arises.”

The ensuing example of a policyholder illustrates the truth to the claim.

A man did not like the fact that his car insurance would increase with the acquisition of $250,000 in PIP so he decided to stay with the status quo of $15,000 in related PIP coverage and no increase in overall auto premium.

But luck was not on his side in this case.

After getting into an accident and remaining in the hospital for two days, the associated bill was over $45,000!

This was a hard lesson, spurring him on to requesting additional PIP coverage as recommended by his agency.

“Like me,” he said, “most folks do not comprehend how important an adequate amount of health related coverage is in regard to vehicle protection. I learned the hard way that it pays to listen to the professionals who understand the impact of an accident – something that can occur at any given moment anytime. “

Personal Insurance Protection can provide the following coverage after a crash that may result in injury.

• Medical costs, rehab costs, ambulance, medication, durable medical equipment

• Loss of wages if applicable

• Substitute of service by the injured party, if applicable

• Funeral costs if injury leads to death and if applicable in coverage.

For more information about this important coverage, speak to the experienced professionals.

Cheap Auto Insurance: Tips for Comparing Policies and Finding Discounts on the Right Coverage

When shopping around for car insurance, it’s important to note that price isn’t the only thing that matters. It’s the overall value of each offer that matters. Cheap auto insurance isn’t necessarily the one with the lowest rate – it’s the one that offers everything you truly need at a reasonable rate.

Most states only require that drivers carry liability insurance, which protects others on the road. It won’t, however, cover your own medical bills or vehicle damages should an accident occur. Think of how much money you will lose if you wind up in a bad accident and your car is totaled. Or, even worse, you end up with bad injuries and are unable to continue working.

How are car insurance rates calculated? There are many factors that are considered, including:

• Driving record

• The type of vehicle (model and make)

• How often you use it

• Your age

• City / state

• Credit score

• Whether you have a garage or if you keep your vehicle parked on the street

If you are a student or senior citizen, you’ll be eligible for a discount. In many areas, you can bring the price down by taking a safe driver’s course.

The Importance of Comparing Cheap Auto Insurance

Finding cheap auto insurance involves a lot of comparing. Enter in your details such as location, date of birth, and type of vehicle for which you need insurance into a car insurance shopping site and you will be presented with numerous quotes from different companies. The type of information you have to provide varies from one site to the next.

Do research on each and every one of the insurance companies for which you get a quote. Read over the terms and conditions carefully. Which one offers the type of coverage you know for sure you’ll need? Are there some policies that offer coverage you can do without? If you have an old clunker, for instance, might not even be worth the cost of insuring it with repair coverage.

If you get the option to pay premiums yearly instead of monthly, you’ll definitely want to consider doing so. Most people prefer paying monthly since it allows them to break the insurance up in smaller payments. However, there are often huge discounts available for those who opt to pay once annually. Depending on the insurer, you could potentially save hundreds of dollars a year.

The best place to begin your search for cheap auto insurance is esurance. It offers an online Coverage Counselor tool to help you simplify the process. Use esurance coupons to help you save big on the ideal car insurance policy.

Cheap Liability Auto Insurance Info: What Should You Do to Find Affordable Car Insurance Coverage?

Getting just the minimum amount of auto insurance in your state can be risky, since it’s usually not enough to cover everything. It might help you pay for damages to the other person’s vehicle or property, as well as their medical expenses, but what about your own car and medical expenses? The idea is to try and get the most coverage possible with cheap liability auto insurance.

Carefully read over all of the different types of coverage and decide which ones will be right for you. Search for quotes online and read reviews on each company to learn more about them. Just as you’d never buy the car itself without first shopping around, you should do the same with insurance. How do you get quotes? You enter details about your age, location, car, etc. and hit “submit” or “search”. The details that you have to enter vary depending on the website you use for searching for quotes.

You don’t want your cheap liability auto insurance to be too cheap. Look for value, not the lowest monthly rate. Also, there are deductibles to consider. If you really aren’t confident that you’ll be able to pay money out of your pocket in the event that you are involved in a collision with a lot of damage, then consider paying more on the premium. Try cutting a few other expenses here and there to help you make the payments.

Cheap Liability Auto Insurance Coupons and Discounts

The good news is that there are always ways to save money, as auto insurance companies often offer coupons and discounts to help both new customers and loyal customers. For instance, you might be able to get a discount off your first-term premium by signing up and buying car insurance with a particular company. There are also “pay-in full” discounts that will give you a percentage off the premium if you pay it upfront instead of monthly.

There are several other categories of potential discounts as well, such as being a good, safe driver with a clean driving history and having safety features installed. A few examples include “Anti-Theft Discount”, “Antilock Brakes Discount”, “Defensive Driver Discount”, etc. Even though younger people are usually expected to pay more money for auto insurance, there are still “Good Student Discounts” offered by most insurers.

In summary, you’ll want to learn about the minimum car insurance requirements in your state and then fill out a form to search for quotes. Compare them and look over all of the discounts. The best place to start your search for cheap liability auto insurance is esurance.