A lot of factors contribute to increasing your car insurance premium. After you find out how each and every small detail could contribute to a higher car insurance premium you might feel a little down and feel like not taking a policy after all. Well bad news. A car insurance policy is required by the …
What are some common reasons for car insurance discounts? Read More »
There are several factors that car insurance analysts use to compute your car insurance rates. Although each car insurance company has its own biases as to which factor weighs more in the computation for car insurance rates all of them basically use the same set of factors. The factors that are considered include age, gender, …
What factors usually lead to higher car insurance? Read More »
This is an issue that can get pretty confusing since states vary greatly regarding their car insurance policies. What happens depends on a case to case basis. To avoid all the anxiety when driving in another state as well as the possible hassles of having an inadequate or invalid car insurance policy when you get …
Car insurance packages are designed so as to cover different scenarios. Just because another person has a certain type of car insurance coverage doesn’t mean that you have to get the same exact type as well. You have to analyze your driving habits and needs before you choose the type of car insurance coverage to …
What is “bodily injury liability” car insurance? Read More »
The answer to this question is quite simple. There are really three major factors.The most obviou factor is that some states simply have a higher rate of accident for one reason or another. For example, New Jersey is extremely congested, and because there are more cars on the road, there is a higher chance of …
Why is car insurance more expensive in some states than others? Read More »
In general, the answer to this question is yes. You generally want to protect your assets against possible litigation in the case that you are at fault. Further, if anyone in the accident needs long term medical attention, your assets could be confiscated. Higher coverage on your car insurance can help protect your assets in …
Should I get more car insurance if I own a home? Read More »
We have to admit it, all kinds of salesmen have gotten a bad rap. It may not be fair to generalize, but we have this instinct that seems to tell us to beware of salesmen – life insurance, car insurance, and car salesmen. However, we must also bear in mind that they are not all …
The answer to this question will be given in two parts. First you do need to insure each and every vehicle you own. The law requires that a vehicle be insured before you can register it so that without an insurance policy your car can’t be registered. If your car isn’t registered then you shouldn’t …
Does each driver need car insurance or just each car? Read More »
If you travel a lot or have a car that likes to act up then you definitely should. Actually even if you don’t travel a lot it’s still a good idea to get emergency road service along with your car insurance after all you never know when your car can break down or when a …
Should I get emergency road service with my car insurance? Read More »
Car insurance is one thing that every driver needs. It may be that you are a good driver and that you have never had a car accident your whole life. Yet you never know when it might happen to you. More so, it does not really matter if you are an excellent driver. A wide …
What are “extraordinary medical benefits” for car insurance? Read More »
First Party Benefits, also known as FPB, is not a very common form of insurance coverage. In fact, some states do not require you to take out First Party Benefits with your car insurance. Furthermore, FPB includes wide range of insurance coverage. However, only First Party Benefits-Medical is required in states where FPB is mandatory. …
What are “first party” benefits for car insurance? Read More »
Not always. Surprised? Most car insurance policies actually do not cover you whether you are responsible for the accident or not. The kind of insurance policy required in all states is the Bodily Injury Liability and Property Damage Liability car insurance. Both car insurance policies are meant to cover the expenses you will need to …
Does car insurance cover you even if you are responsible for the accident? Read More »