Car Insurance FAQs - How to Buy Car Insurance

Car Insurance FAQs - How to Buy Car Insurance
By Amy Danise

From lowering your premiums to adding a teen driver to your policy, buying car insurance can be a confusing, overwhelming, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and money in the future. It may seem like a daunting task, but there is an easier way to shop for car insurance quotes and rates. Before shopping for car insurance, read these frequently asked questions to ensure you get the best possible car insurance rate.


Q: Am I required to have car insurance?


A: Almost every state requires that you carry liability car insurance, which pays when you do damage to others. States that require liability car insurance each set minimum limits that you must have; even in states that don't require car insurance, you must show proof of financial responsibility, meaning evidence that you can pay for any damage you cause.


Buying collision and comprehensive car insurance, and other optional coverage to protect yourself financially, is your own choice.


Q: Do I need to buy car insurance before I buy a new car?


A: If this is your first car and you don't already have car insurance, you'll need it before you drive the car off the lot. In addition, if you're financing the vehicle, your lender will likely require you to have insurance at the time of the purchase.


If you have car insurance and you're replacing your car, you generally have 14 to 30 days to notify your car insurance company of the purchase. Your car insurance rate will then be adjusted based on the new vehicle model. Make sure you inform your car insurance company about the new car within the appropriate window, or you could be driving without coverage.

If you're adding a new car, rules vary by car insurance company. For example, some car insurers provide automatic coverage for the additional car, but you must still notify them within 30 days, while other car insurers provide no automatic coverage for additional cars.

Q: How can I lower my car insurance rates

A: First, comparison shop for car insurance quotes to make sure you're not overpaying. Then, always make sure you are getting all the discounts to which you're entitled.

When you're shopping for a new car, you can ask your insurer how much your car insurance rates will go up or down based on the vehicles you're considering. For example, vehicles with high theft rates will cost more to insure.

There are other ways to reduce car insurance rates, although you'll increase your potential financial risk. For example, you can increase your deductibles if you can pay more out-of-pocket in the event of an accident. And on older cars you might consider dropping collision or comprehensive coverage if repair costs will likely exceed the value of the car.

It's generally not a good idea to save money by reducing your liability limits to your state minimums - that opens you up to substantial financial risk.

Q: How can I lower my car insurance rates for my teen driver?

A: First, don't rush out to add your child to your policy when he/she is just starting to learn; you may be able to wait until he has his permanent license, which buys you some time before you start paying car insurance premiums on your teenager.

Second, find out if there are discounts your teen may be able to get, such as a "good grades" discount.

Third, consider buying an older, low-profile car for your teen to drive that will be less expensive to insure.

Most importantly, your teen driver needs to keep a clean record and follow any "graduated licensing" laws in your state; a teen with an accident record is an expensive proposition, no matter how much you comparison shop for a car insurance quote.

Shopping for car insurance can be much easier for you with the advice and tips above. Car insurance companies provide you with a very valuable service, but that doesn't mean you should have to pay top dollar. Comparing rel=nofollow car insurance rates can be time-consuming, but it will save you a lot of money in the future.

for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown Car Insurance FAQs - How to Buy Car Insurance

Basic Requirements For Online Auto Insurance Quote

Basic Requirements For Online Auto Insurance Quote
By Chris Robertson

As you look around for affordable auto insurance, it's a good idea to start with an online quote comparison website. Comparison sites can give you quotes and coverage details from multiple car insurance providers without your having to phone or visit the companies individually. You'll be able to concentrate on finding the right policy for your needs while viewing the pricing up front.

Perhaps you've already read about online auto insurance quotes, but were hesitant to fill out the forms due to the ongoing threat of identity theft on the Web. The good news is some quote sites offer quote information while requiring only minimal details about you. This means you can get enough information about various providers to make an informed decision without compromising your personal data.

First look for a reputable quote site featuring a detailed "About Us" section as well as contact information and a privacy policy. These are crucial to building trust on the Web, especially for any website asking for personal information from its visitors. Do a little research to find a site like this before entering any information about yourself or your driving needs.

What to Expect

While automobile insurance quote sites vary in the information they require, there are some basic requirements to expect. First and foremost, you'll need to enter basic driving information as well as details about the type of car you drive. Driving information will generally include your age, gender, marital status, and driving history. Driving history questions may include details about your record, and whether you've had speeding tickets or accidents in the past. If applying for a teen driver, the site may ask for information regarding school grades or a driver's education course. Both of these can equal car insurance discounts for young drivers.

For vehicle information, you'll be asked about the make, model and year of your automobile. You may also be asked if your car usually remains parked in a garage at home or the work place, the number of miles driven each month or year, and whether or not your car is in a high crime area. Auto insurance providers will use these details to determine the amount of risk for issuing a policy to you or a family member.

You'll also be asked about the types of coverage. You can opt to receive quotes on various types of coverage, or choose to ignore certain types. For example, if your vehicle is completely paid for, you can opt to buy liability coverage only instead of liability and collision coverage. You might also want to get extra coverage such as a comprehensive policy, which covers weather damage, theft, fire, accidents involving animals, etc.

When filling out an auto insurance quote form, don't leave off any details. The questions are there for a reason, and your answers could drastically affect the amount of your premium. Now that you know what to expect, don't hesitate to find affordable automobile insurance online!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
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Car Insurance For Women - Fact Vs Myth

By Ara Rubyan 
It is a misconception that women drivers are not as reliable or as safe their male counterparts. If you have any doubt about that, just ask the insurance industry. They are in the business of reducing their risk and increasing their profits. And in the real world, this means acknowledging the reality that women are better drivers than men as measured by nearly every metric you can imagine.

Insurance companies have historically used demographic data (e.g., the gender and age of those drivers involved in accidents) as part of their formula in calculating insurance rates. Everything else being equal, those demographic groups that have a higher incidence of accidents while driving will cause rates to go up for everyone in that group. And the facts show that women are safer drivers than men.

A recent Carnegie-Mellon study concluded that men are two times more likely to be involved in a traffic fatality than women. Further evidence from the insurance industry revealed that while 68% of women have no traffic violations, men who have never received a traffic violation is only 64%. An additional finding from the study was about the amount of multiple violations for each gender. The study found that that men, as a group, are more likely to have received multiple citations than women -- by a factor of 10%.

As an attempt to acknowledge these differences between men and women, several insurance providers cater specifically to insuring women drivers, guaranteeing that women pay a lower rate than men. These insurance companies have set up special individual companies to provide and underwrite car insurance for women only.

In short, the insurance industry has discovered that young men are actually the highest risk group among all drivers.

Finding out how you fare in comparison to other types of drivers is easy by getting a free online quote from any insurance provider. Bottom line: You'll find that (all things equal) car insurance for women is usually cheaper than the same coverage for men.

Of course, the insurance industry looks at more than just gender when deciding your premium. That said, the general perception that women are worse drivers than men is something that is not supported by the facts.

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Ara Rubyan is like you: a consumer who has tried to educate himself on the full range of auto insurance options today. Now, he's put all his research (so far) in one convenient location and he's sharing it with you, no strings attached. Visit his website. You'll find:

Lots of articles on various auto insurance topics;
Videos;

Latest news on auto insurance resources;

Your questions, answers and suggestions.


Go on over to Auto Insurance Money Savers and have a look.

Article Source: Car Insurance For Women - Fact Vs Myth

How to Find Most Affordable Auto Insurance

By Anthony M. Peck 

Just like anything else you go to buy these days it cost more than what it did 20 years ago. But along with increased cost we expect the product or service to be even more spectacular. The same thing applies to affordable auto insurance. Searching for the right insurance coverage today is just a few clicks away. Before there was a long and drawn out process that took days or maybe even weeks. Then you had to wait for your copy of the proof of insurance. Today you can print them from your computer within a few seconds of paying your first installment, which is also done at super speeds. Even though the way that we do insurance has changed the fact remains that coverage is something that we are required to have regardless. So our main goal is to find great coverage but also affordable auto insurance.

When you do your research online you may find that there are hundreds insurance companies that are offering insurance online today. That number increases daily because of the constant need and demand to find the cheapest and most affordable auto insurance. Insurance is expensive and sometimes it may stretch the budget a bit more than what it needs to. While a certain insurance company may have always tried to work with you, answer any claims quickly and has given you discounts they still might higher than what you can find for less.

The best way to find the same coverage but at a lower rate is to find your insurance policy statement or print it out and have it beside of you when you are searching other companies. It's not going to be easy to find another insurance company that you can feel comfortable with but for your budget's sake you need to make sure that you have enough money at the end of the month after your bills are paid, including your auto insurance.

Affordable auto insurance is not only possible but it is just a matter of a few clicks and you can have coverage almost immediately. If an insurance company offers a web site chances are you can also pay online as well which will allow you to get credit for your policy immediately. Print out your proof of insurance and start driving on your new policy. Popular insurance companies are also affordable auto insurance companies because they have more customers than the other companies which allow them to offer insurance at a lower price. Affordable doesn't always mean cheap and that is why you should shop around where you feel more comfortable at. A lot of people like to find the insurance company by listening to advertisements on the radio, television, or in the newspapers. Because of the expense that advertising costs today a company that puts out that much money for ads really does want your business.

Go online today and start your affordable auto insurance quote and see how low you can go on insurance rates.  helps you find the coverage you need at the lowest price. QuoteScout provides consumers with a free, simple, and effective way to shop for insurance. As a leading online marketplace for insurance, QuoteScout works with a combination of local agents, regional and national carriers to ensure that you are provided with a wide variety of responses to your request for a quote. Please visit our website for more information.

Article Source: How-to-Find-Most-Affordable-Auto-Insurance&] How to Find Most Affordable Auto Insurance

Be Aware Of The Dangers Of Cheap Auto Insurance

By Jon Arnold

Everybody likes to save money. "Discount" is becoming a new way of life. Many companies are representing themselves as the exact same thing as larger, more expensive companies, but with lower rates and more reasonable terms. Of course, this cheaper discount price does come with a cost. With auto insurance, the cost is usually unnoticeable until you have a claim.

Discount auto insurance, just like all other insurance companies, have specialized individuals to weed out fraudulent claims. However, the reduced resources that cheap auto insurance companies are saddled with means that legitimate claims may sit for months without their due attention. This means months without the resources to fix a damaged car and months without transportation. In many states, accident damage must be fixed to an acceptable degree before a state inspection can be passed. This means that in the event that the insurance company hasn't even reviewed a claim after several months, accident damage must either be fixed before state inspection is due or the car will have to sit idle while waiting.

Unfortunately, no states have any kind of mandate on how quickly an insurance company needs to act on a claim, so if you have to wait months for a claim to be done, the auto insurance company is well within their legal right, and you have discovered one of the things that makes that insurance cheap.

Discount auto insurance will do little more than keep a car on the road with the very basic of legal requirements. While everyone wants to save money, the cheapest isn't always the best value and can often end up costing consumers more in the end than middle priced auto insurance. Getting the most insurance for as little money possible is a natural goal of everyone.

Cheap auto insurance is usually only cheap when sticking to the bare minimum legal coverage. Once consumers start opting for more extensive coverage, often their premium skyrockets and they end up paying more than they would have if they had started with a reputable car insurance company.

A reputable car insurance company devotes itself to customer service and quality while cheap auto insurance companies devote themselves to being the cheapest thing in town, thus their customer service, claims departments, and quality are all based on bare bones staff with bare bones service. They simply can't provide the resources necessary to offer their customers anything more than a legal car, provided nothing happens to it.

Many cheap auto insurance companies rely more on automation, and getting a live human being on the phone to deal with issues, from claims to billing errors, is about as easy as setting off into the frozen tundra in search of fresh vegetables. They are more prone to error simply because they have as little human input going into their systems as possible.

One of the greatest hidden dangers of dealing with a cheap auto insurance company is security. The information that a driver gives to an auto insurance company is sensitive material. Most require a credit card number and a social security number, address, phone number, and even if the customer takes regular prescription medication. This information is more than enough for identity theft. Cheap auto insurance companies place very little value on the expense of security. While reputable insurance companies are not bullet proof, they do hire security experts to make sure that the sensitive information in their files stays in their files and not in the hands of ill intentioned hackers.

For quality, safety, and reasonable or better customer service, cheap auto insurance companies simply can't reach the same heights as reputable auto insurance companies. Hands down, the only thing people save when choosing cheap auto insurance is about $50 at the beginning of their policy. After that, there simply isn't a bargain to be had.

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Auto Insurance - 8 Ways To Lower Your Auto Insurance Costs

By David R. Wilson

Auto insurance is a necessary expense for most of us. Even with seemingly increases every year, very few of us stop and see if there are ways that we can reduce the cost of our auto insurance. One of the best ways to keep your auto insurance costs down is to have a good driving record. Listed below are eight additional ways that you can start to save money on your auto insurance.

1. Shop Around

Don't settle for the price that your insurance company wants to charge you. Auto insurance prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information or if you don't want to deal with insurance agents, use the Internet to get multiple quotes.

Don't shop price alone. Ask friends and relatives for their recommendations. Contact your state insurance department to find out whether they provide information on consumer complaints by company.

2. Compare Insurance Costs When Buying A Car

Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car's sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. Look for cars that have safety features like daytime running lights and anti-theft devices.

3. Get A Higher Deductible

Deductibles are what you pay out of pocket before your insurance policy kicks in. By getting a higher deductible on your car insurance policy you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15% to 30%. Going to a $1,000 deductible can save you 40% or more.

4. Reduce Coverage on Older Cars

This is one of the most overlooked tactics to lowering your insurance. As your car ages it becomes less costly to replace, so why pay a premium for a replacement value that is more than your car is worth? A role of thumb is that is that your car should be worth more than 10 times the premium you are paying.

5. Buy your Homeowners and Auto Coverage from the Same Insurer

Many insurance companies will give you a break if you buy two or more types of insurance from them or if you insure more than one vehicle with them. Ask for your insurance representative what multi-car discounts that they offer.

6. Maintain a Good Credit Record

More and more insurance companies are not using credit information to help price auto insurance policies. So paying your bills on time, bit obtaining more credit than you need and keeping your credit balances as low as possible are all tactics that can help you get a lower auto insurance quote.

7. Ask about Group Insurance

Some insurance companies offer reductions to drivers who get insurance through a group plan from their employers, professional and business groups, or other associations (like AAA). Look at the clubs and associations that you belong too and see if any of them offer discounted auto insurance.

8. Seek Out Other Discounts

Ask your insurance company for a list of all the different types of discounts that they offer. You would be amazed at the discounts that are available on auto insurance today. They range from discounts to being in the military, to students and people who have had no accidents or tickets in a number of years.

David Wilson covers how to save money on your insurance needs at [http://www.cheapinsurancenetwork.com]Cheap Insurance Network His latest article on [http://www.cheapinsurancenetwork.com]Cheap Auto Insurance provides tips on how to save money when buying car insurance.

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Affordable Auto Insurance

By Gregory Mamnya

Automobile is an untiring assistant of man. It is not too difficult to find affordable term auto Insurance.

There is so much competition between insurance companies to keep down rates that almost all car insurance payments are affordable for most buyers of Auto insurance.

The thing that one must need to pay attention is the Auto Insurance Company you deal with.

Nowadays there are numerous websites offering instant auto insurance quote comparison services helping to compare the same service provided by different auto insurance companies to find out the best one most suited to you.

In most cases services on auto insurance are provided on the basis of individual approach and flexible discount system. So it can help you get a better auto insurance when you know what type of discounts may be available to you auto insurance companies online.

What may be insured:

Vehicles -
All types of motorcars and trucks,
Special machinery on their basis,
Minibuses and buses,
Road building and agricultural machines,

Supplementary equipment of the vehicle according to the "Auto Casco" terms (auto frame insurance);
Civil liability of the vehicle owner (the obligatory and the voluntary types of insurance);
Life and health of the driver and passengers.

What issue may be covered by the insurance?

Insurance "Auto Casco" terms (auto frame insurance);
"Damage", related to the deterioration or deprivation of the vehicles or of the components resulting from:
Road accident
Fire or explosion
Natural disasters
Illegal actions of the third parties
"Theft", related to the deprivation of the vehicle resulting from:
Hidden theft of a vehicle by means of larceny
Open theft of a vehicle by means of robbery or hijacking

Examples of payments to be performed:

On agreement with the insurance and according to the insurance provisions, the damages, caused by determination or deprivation of the vehicle in case of insured events, can be indemnified by means of:

Payment of the insurance money to allow for the actual cost of renewal of the damaged vehicle.
Renewal of the damaged vehicle at the car service station, which has a correspondent contract with the insurer.
Payment of the insurance money considering the wearing of replacement parts.

Gregory Mamnya

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