Understanding Auto insurance
Find the cheapest car, truck and SUV insurance.
Auto insurance is the term used to describe sale of a contract to an individual seeking to protect their vehicle in the event of an accident or mishap, and to provide protection from other types of incidents that can cause damage to a vehicle.
The first rule is to shop around! There are literally hundreds of companies to choose from and with the fierce competition comes price wars and price wars mean low cost car insurance for you. Car insurance companies are competing for your business, so don't be afraid to negotiate on price.
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Unless you've been living in a cave then you have probably seen a thousand commercials offering discount car insurance.
From TV to radio to newspaper advertisements it can get very confusing to compare car insurance companies.
With so many to choose from how do you pick a reputable company? Will you choose “Company A” because they offered you a ridiculously cheesy trinket, or will you pick “Company B” because you like the little green lizard on their commercial? We will cover the many ways to buy the best car insurance policy.
One of the smartest methods you can do is to try an online car insurance company, who will search a number of leading insurers to find you the best quote. Many car insurers are now offering discounts of around 10% simply for buying car insurance online.
You also need to understand all of the different types of auto insurance available like collision insurance, bodily injury and liability insurance, medical coverage, comprehensive insurance, liability, personal injury protection, and underinsured or uninsured motorist.
The minimum coverage is called liability insurance and covers any property damage or injury that may have occurred during an accident. Medical coverage insurance typically covers the medical cost for the driver and passengers of the car and may or may not offer disability insurance and/or pain and suffering compensation.
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If you are involved in an accident with an uninsured or under-insured drivers insurance this will pay any costs incurred by you or your passengers. Comprehensive coverage usually covers damage caused by vandalism, natural disasters, theft or other kinds of damage. Collision insurance is different as it covers the cost of damage caused by a collision that may affect the resale value of your vehicle.
There are several other types of car insurance that can cover a variety of situations like glass replacement insurance, towing insurance etc. These types of insurance are not required and are not very popular because of the cost.
Now that you have a basic understanding of the different types of car, the next step is to find a credible insurance agent and the best place to begin your research is to simply ask family and friends. The referrals will help you find the companies with the best service because you should speak with several different agents before making your final decision. Before you sit down with an agent, spend a few minutes writing down a few questions because after all, that is what the agent is there for.
What are the 10 Most Expensive Cars & Trucks to Insure? Honda Civic, Chevrolet Cavalier, Nissan Altima, Ford Focus, GMC Sierra, Ford F-Series Pickup, Chevrolet Silverado, Dodge Ram, Toyota Camry and Honda Accord.
What are the 10 Least Expensive 2005 Cars & Trucks to Insure? Chrysler Town & Country, Chevrolet Venture Wagon, Saturn Ion, Buick LeSabre, Ford Freestar Van, Pontiac Montana Wagon, Ford Escape XLS, Mazda Tribute, Saturn Vue and Suzuki Forenza. There are many autos that are more expensive to insure than those in our list, the Lamborghini Muriélago Roadster, the Ferrari 612, the Rolls Royce Phantom, or the Aston Martin DB9, for example. But, if you are seriously considering buying one of those, you probably aren't too concerned about the cost of your auto insurance.
What are the worst states for auto insurance premiums? New Jersey ranks highest in the nation for combined average annual auto insurance rates along with New York, Washington, D.C., Rhode Island, and Massachusetts.
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