Auto Insurance News
Did you know that
- Most of the major auto insurance companies recently reduced their rates in some states like Illinois. If you haven't done comparison shopping lately now is the time. Just click on the image below. It is fast and free.
- You need to buy comprehensive coverage. It is not mandatory, but will save you a lot of headaches. Buy comprehensive coverage in addition to your car insurance. It protects in in case of a car theft. It happened to me- my car was stolen and I did not get anything because I did not have comprehensive so I had to pay over $500 to fix all the damages on it
- You can buy auto insurance real cheap from some insurance companies working from a garage, but it si not worth it. They will be not there when you need them. Stick with A+ insurers and you will have a piece of mind. All insurers that we work with are well known names like Allstate, Farmers and Progressive. Just click the button bellow to get multiple quotes from A+ insurers. It is free for you.
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Auto Insurance
How to get the cheapest auto insurance rates
To get the cheapest auto insurance premium all you have to do is shop, shop, shop. It is easier than it sounds. In the past you had to call one auto insurance agent after another and listen to endless sales pitches. Not anymore. This website can save you a lot of legwork. All you have to do is choose the coverage you need on the left and you will be instantly presented with offers from A+ rated insurers. This is the easiest and fastest way I know to get cheap auto insurance.
Do not believe it. Give it a try. Use the form on the right and compare the rates with what you are currently paying. You will be surprised. Some customers report savings savings of over 25% when they quote or buy online. You can be one of them. Start by filling out the form on the left and enjoy low auto insurance rates.
If you feel lost do not worry. You can start by reading our articles explaining the auto insurance basics and giving you tips and tricks on hoe to choose the most appropriate auto insurance coverage because every situation is different. A young driver might need full coverage especially if he drives a new car, while a man with an old car might need just one way car insurance.
Enough said. Following is a brief description of different types of auto insurance coverage you can choose from. Some of them are mandatory wile others are optional. What's more some of them have minimum levels that must be purchased and which vary by state.
Auto Insurance Coverage Explained
1. Bodily Injury Liabiliyy
This type covers bodily injury and damage to properties caused to others by you while using your vehicle. Something very important- you and your family members listed on the insurance policy are also protected in case that you cause an accident while driving someone car or truck with their permission. Each state has minimum required coverage that you have to purchase. Consider buying more than it in order otherwise you can loose your home and savings in case you cause an auto accident and you have to pay for the damages.
2. Medical Payments/Personal Injury Protection
This type of insurance coverage can play an important role if you or someone you love is involved in a car accident. It provides personal injury protection, medical payment coverage or economic loss coverage. This type of coverage is optional and not all insurance companies offer it. It is good to have it though. You and the people who were in your car with your permission when you caused the accident or when it happened are covered.
3. Uninsured/Underinsured Motorist Bodily Injury
Imagine being involved in a car accident where the driver who caused it does not have auto insurance or has insufficient insurance. It means that you have to pay all expenses out of your own pocket. That's what exactly happened to me about an year ago. To prevent this you need to buy uninsured/underinsured motorist bodily injury coverage
4. Collision
This type covers damages to your vehicle in a result of a collision
5. Comprehensive
The previous coverage covers you in a case of a collision. Comprehensive coverage covers all damages to your vehicle, but collision. For example damages due to theft- starter that needs repair or broken locks.
6. Emergency Road Assistance
Let's face it - sooner or later you will need emergency roadside assistant. If you car breaks down and needs to be towed it will cover the towing expenses.
7. Car Rental Expense
Let say you were involved in an auto accident and your car needs repair. For the time it is in the repair shop you will be able to use a rental car if you have this type of coverage
8. Death, dismemberment and loss of sight
If you or anyone on your policy suffers injuries in case of a car accident or even death the coverage pays certain amount
9. GAP
GAP will insure you for the difference between what you own on a car or truck and what the insurance company thinks it's worth. This type of coverage is usually available for new vehicles only.
10. Custom Equipment Coverage
Covers loss to custom furnishing or equipment
Armed with all this info you can now go ahead and choose the auto insurance coverage that best fits your needs. Remember that by shopping online you will be able able to save over 25% on your car insurance.