What The Most Common Type Of Auto Insurance Is

There are many different types of auto insurance policies that a person can choose from, depending on the type of vehicle that they drive. Some coverage is mandatory and some is optional.

What Teenage Drivers Need To Know About Auto Insurance Quotes

One of the most stressful times of a parent’s life is the first few months after a child gets a car. Driving is very liberating for a teen, but also very dangerous–not to mention expensive. Auto insurance quotes are usually much higher for teenage drivers, with teen boys paying the most, and premiums will skyrocket for teens that receive speeding tickets or get involved in traffic accidents. It’s important to teach teenage drivers how to keep auto insurance rates low early on, as it will help them drive responsibly and avoid potential insurance increases. Take a moment to gather a few auto insurance quotes and discuss them with your teenage driver.

The Difference Between Maximum and Minimum Auto Insurance Coverage Policies

When shopping for auto insurance, it is important to know the difference between minimum and maximum auto insurance coverage. Most states that require drivers to carry car insurance, have laws that will outline what minimum coverage you must buy.

How Handicapped Drivers Can Still Qualify For Auto Insurance

Insurance companies are required by law to follow rules and regulations set up by state and local governments, and many laws regulate how (and whether) insurance companies can decide to deny coverage to individuals. One of the most popular misconceptions about insurance companies is that they’re unfair or biased against handicapped individuals. However, federal law prevents insurance companies from denying coverage (or changing premiums) on the basis of a handicap. In fact, auto insurance companies cannot even ask about the handicapped status of a driver. The law surrounding handicapped drivers may vary from one state to the next, but federal anti-discrimination guidelines prevent insurance companies from making a discriminatory decision.

How An Agent Can Help You Find The Best Auto Insurance Quotes

Although we recommend shopping for auto insurance online, not everyone wants to use the Internet. For those people that do not feel comfortable using the web to get car insurance quotes, we put together the following information about insurance agents and how they can help. Finding affordable auto insurance on your own can be quite a challenge. When it comes to getting the best auto insurance quotes for adequate coverage on your vehicle, consider consulting an agent. When you choose to seek the professional services of an agent, you can rest assured you will be getting a great deal.

Why Collision Coverage Is Recommended

Driving a car is a huge responsibility. Yes, the everyday-ness of driving to and from work, the grocery store, school and daycare dilutes the heavy responsibility driving weighs on us, but it doesn’t make us, as drivers, any less accountable for our actions. And unfortunately, for every careful and safe driver on the road, there is a careless and precarious driver to match, which is why collision auto insurance is highly recommended. Accidents happen, no matter how hard we try to avoid them, and that’s when collision insurance comes in.

Steer Clear Of These 3 Auto Insurance Scams

Scam artists operate in every industry and insurance is no exception. Preying on well-intentioned, uninformed people is how they make a fast buck and move on to their next mark. The best way to protect yourself from auto insurance scams is to know what to watch out for. The following three swindles all involve using cheap insurance rates as the draw.

How Additional Coverage Can Save Money

You have to spend money to make money, or so goes the old saying. When it comes to insurance, many drivers want to spend as little as possible, while still ensuring that their vehicle has the maximum amount of coverage. While this is understandable, there is a limit to what basic auto insurance coverage can do for an owner. Typical auto insurance will include amounts for bodily injury as well as property damage, and the upper limits of this coverage will be determined by a combination of state requirements and what an insurance company is willing to offer. Higher limits can be obtained, but are done at the request of the policy holder and are typically not advertised in a basic auto insurance quote. While it often goes against the instinct to save money on what is undoubtedly an expensive proposition over the course of a driver’s lifetime, adding extra coverage to a car insurance policy can sometimes have the effect of saving, rather than costing, money.

Common Misconceptions About Auto Insurance

Auto insurance is one of the most common types of insurance products purchased in the United States, and comes with a host of features that can be customized to the client’s liking. Anything from coverage type to deductible cost can be negotiated, and no two auto insurance policies ever end up being quite the same. But despite the prevalence of not only online auto insurance quotes but cars on the road, many consumers have a startling number of misconceptions about not only auto insurance but how it works for them in case of an accident. Here are a few of the most common misconceptions clients have about the car insurance industry.

3 Questions To Ask Your Auto Insurance Company

Finding a good auto insurance policy for a decent price may seem like a daunting task, but it is possible. If you acquire an auto insurance quote online, you will find coverage that suits your desires and budget. Auto insurance companies work with insurance quote websites, and you can obtain an auto insurance quote from the comfort of your own home. After you obtain a quote, you will be provided with accurate prices from the leading auto insurance providers in your area. Read this guide and find out what questions you should ask when you find an auto insurance provider.