Meta

Subscribe to RSS Feed
Bookmark this Page

Tag Cloud

low rate car insurance car insurance rates car insurance plan rates car insurance quotes and rates Average Car Insurance Rates affordable car insurance rates car insurance company rates car insurance premium rates car insurance online rates best rates for car insurance car insurance rates compared car insurance rates for new drivers best rates car insurance car insurance rates factors car insurance low rates car insurance rates teenagers effect of accident on car insurance rates car insurance rates for teens car insurance cheap rates expensive car insurance rates bad driver car insurance rates car insurance rates information teenager car insurance rates how to get the best car insurance rates car insurance rates for teenage drivers car insurance lowest rates car insurance rates for boys and girls car insurance rates by model car insurance average rates car insurance rates teenager lowest rates on car insurance cheap car insurance rates car insurance rates male teenager car insurance rates by state car insurance average rates us insurance car rates car insurance theft rates car insurance lower rates car insurance rates compared in the us sports car insurance rates collector car insurance rates car with highest insurance rates car insurance rates and color car insurance for young car insurance rates car model insurance rates car insurance rates SUV car insurance light duty truck rates how are car insurance rates calculated DUI drunk driving collectible car insurance low rates car insurance rates quote car insurance rates instantly car insurance rates canada low insurance rates car low car insurance rates us free rates for car insurance classic car insurance car with lowest insurance rates car insurance for hybrid cars car insurance average rates uk antique car insurance rates why are car insurance rates so high which car has higher insurance rates uk compare car insurance rates state farm car insurance rates low cost car insurance rates insurance rates totaled car high risk driver car insurance rates family car insurance rates comparison of car insurance rates car insurance rates state car insurance rates in south carolina car insurance rates comparison car insurance rates compare canada car insurance rates boulder car insurance rates boise car insurance rates audi car insurance rates what is a car lemon lawn uk car insurance rates comparison senior citizen car insurance rates rental car insurance rates new york lowest car insurance rates hybrid car insurance rates hybrid car insurance farmers car insurance rates effect accident car insurance rates do i need rental car insurance discount car insurance comparison car insurance rates us compare car insurance rates in london cheap used car insurance rates car maintenance car low insurance rates car lemon laws car insurance rates us car insurance rates uk car insurance rates new jersey car insurance rates massachusetts car insurance rates in canada car insurance rates for seniors car insurance average rates in the uk car insurance average rates in america automobile lemon laws vermont car insurance rates uk comparison car insurance rates south dakota car insurance rates philadelphia car insurance rates new york car insurance rates comparison new driver car insurance rates motorcycle insurance rates montana car insurance rates maryland car insurance rates lowest car insurance rates us low rate motorcycle insurance low insurance rates car in new york low car insurance rates in america louisiana car insurance rates london comparison car insurance rates las vegas car insurance rates kansas city car insurance rates insurance claim denied insurance car comparison rates instant car insurance rates indiana car insurance rates immediate car insurance rates hometown car insurance rates great rates car insurance quotes connecticut car insurance rates compare car insurance rates in britain compare car insurance rates by state columbus car insurance rates cheap motorcycle insurance car with low insurance rates car insurance rates virginia car insurance rates male female car insurance rates ma car insurance rates in new york car insurance rates for older drivers car insurance rates comparison us car insurance rates compared new york car insurance rates co car insurance rates california car insurance rates by states car insurance companies rates bloomington car insurance rates audi acura car insurance rates acura


Search

 

 





Low Rate Car Insurance - Do I Need Third-Party Coverage?

What is third-party insurance? A typical car insurance policy is set up as a contract between two parties: you the driver, and your insurance company. If you get into an accident with another automobile though, they are considered a third party. If you were to get in an accident with another party, will your current policy limits cover the claim?

There are two different types of third-party liability insurance coverage. The first type is called bodily injury liability and the second is called property damage liability.  Bodily injury liability covers costs related to people like lost wages due to injury, medical costs, and things related to pain and suffering.  Property damage liability covers the cost of objects or things, like other cars, a person’s house, a building, street signs, landscaping, etc.

Each state has minimum required levels for major types of car insurance coverage and these include third-party coverages. It’s important to sit down with your insurance agent and make sure you’re covereded adequately. If you have assets and investments to protect, it’s important to know that you’re coverage is at a liability limit that would cover these assets in case of a major accident. If you have “no-fault” insurance, that typically will cover minor fender benders but not anything big. You don’t want to find out you’re under-insured after the fact - at the time someone is filing a claim against you. This type of insurance is priced fairly and is one area you should not try and be too “thrifty” from a fiancial standpoint. There’s far too much at stake.

  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - How to Find the Best Price

    We all know that the best way to save money on anything, let alone car insurance, is to shop around. The Internet is a good place to start looking for good car insurance rates. There are many online sites that are either an insurance company’s site or a broker, like insurance.com. The more you hunt, the better idea you will get of what’s expected financially from you as well as what many of the companies offer policy-wise.

    When car insurance rates are calculated, what you end up with varies from state to state, and geographically within the state, from location to location. Prices depend on driver risk factors and record, amount of driving you do, type and age of car, age of driver, how many drivers you have on a policy and more.

    Another variable, as we’ve mentioned before is your credit score. The higher your credit score, the more responsible you tend to be, which can carry over to how you drive. The more responsible you are, as indicated by certain variable, the lower your rate tends to be.

    Drivers who are married and have not hopped around too much from location to location tend to suggest stability and in some cases, this can also contribute to a lower rate.

    Here are some links to other posts we’ve recently written having to do with the cost of car insurance:

  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - Geographic Location and Car Insurance Rates

    Yes, where you lives matter when it comes to how much you pay for car insurance rates. Most people understand that things like driving record, claims history and the type of car you drive is factored into your policy price but most don’t know that location also plays a part.

    When you think about it, much of it is logical. If you live in a city and your driving takes place in a more congested area, you insurance will more than likely be higher because your chance of getting in an accident is higher. The more traffic, the higher the policy. Also, if you live or work in a high crime area, your chance of vandalism or theft is higher as well, hence, a higher policy rate. What type of weather you have in the location you live may also play a part. If you live in an area that experiences extreme weather often, it’s possible your rates could go up, not only because of possible damage to your car but also driving conditions.

    So is there a difference from state-to-state? Yes there is. Most people are not concerned about this because how much one pays for a premium is not enough to make someone change states. However if you’re thinking of relocating, and money is playing a part in your decision, check with the state DMV or a national car insurance company to find out the differences in premium price and coverage minimums from state-to-state. The fact that each state is different in what they require you to carry liability-wise and property-wise will also dictate how much you are required to pay and how much coverage you need to have as a minimum.

    If you find you’re living in a high-priced location, make sure you check with your agent to see if you’re entitled to any special discounts.

  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - Drunk Driving and Car Insurance Rates

    Car insurance companies are putting the heat on drunk drivers. Insurance companies are not allowed to deny insurance coverage for a number of reasons like race, religion, age and occupation but they can cancel your policy for driving related issues like drunk driving or DUI.

    Typically when you get convicted of a DUI, the insurance company will either issue higher rates, apply a nonrenewal tag to your policy or just cancel it altogether.

    If you get labeled as a high-risk driver, which typically happens if you get a DUI, you will more than likely need to file proof of insurance for 3-5 years at your DMV. And if your license gets suspended, you’ll need to get special paperwork from your insurance company and provide that to the DMV as well.

    If your policy gets cancelled, your insurance company is required to send you a letter stating so and why. At this time, you will need to find another car insurance company during the cancellation period, which can be very tough and expensive.

    Another point to remember is that in most states, insurance companies have up to three years to cancel a policy and/or raise your rates because you’ve been convicted of a DUI.

    Bottom line, drunk driving does nobody any good and nothing good can come out of it. So you need to ask yourself, why even take the risk. Drunk drivers risk their lives as well as other’s lives, and if you get convicted of a DUI, it can be very costly, in more ways than one.

  • Posted in Low Rate Car Insurance | No Comments »

    « Previous Entries