Car Insurance Basics: The Basics of Car Insurance Made Easy

What is car insurance? Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Your car insurance premium (cost) is made up of several different factors. Those include your age, driving record, gender, vehicle type, vehicle age, geographic location, number of miles you put on your vehicle yearly, the deductibles (collision and comprehensive), etc.

What is collision coverage? Collision coverage is the portion of your car insurance that will pay you to repair or replace your vehicle in the case of a covered accident. What is comprehensive coverage? Comprehensive coverage is the portion of your car insurance that helps pay for damages to your vehicle that are incurred as a result of situations such as weather, theft, and vandalism.

As with all insurance, car insurance policies carry a deductible. The deductible amount is the portion of the claim that you as the policy holder are responsible for paying. For example, if you carry a $250 collision deductible and you cause a wreck that requires $1000 worth of repairs to your vehicle, then you will pay the first $250 and the car insurance company will cover the remaining $750. Car insurance costs go up as you lower your deductible. If you are willing to carry a higher deductible, then your car insurance will be less expensive.

Another item to keep in mind is that as your car ages and its value declines your car insurance premium will decrease in price. This assumes that you keep a good driving record and do not get any tickets or get in to any accidents. Also, as you car gets older you can reduce the amount of coverage that you have in your car insurance policy. Many people believe there is no need to carry anything more than liability coverage on a car that is old and not worth much anyway. It is always up to you, but it is definitely something to consider.

Car insurance is typically charged at a six month rate. This allows you and the car insurance company to make adjustments a couple times a year. You can pay the premium of your car insurance once every six months or you can break the payments up in to a schedule that is more suitable to you. Many people make payments once a month. Keep in mind that car insurance companies are willing to let you do monthly payments, but they charge a higher rate on a month-to-month payment than they do for the six month total. For example, your six month rate may be $600, but if you make monthly payments, then you are charged $120 per month.

There are several companies that offer car insurance so you have plenty of choices.

Jason D. Barrett is currently focused on writing articles for InfoBriefs.com (Brief reports on several topics), ChildInsure.com (Child Insurance), and ScoutTechnology.com.

Car Insurance Basics: The Basics of Car Insurance Made Easy

What is car insurance? Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Your car insurance premium (cost) is made up of several different factors. Those include your age, driving record, gender, vehicle type, vehicle age, geographic location, number of miles you put on your vehicle yearly, the deductibles (collision and comprehensive), etc.

What is collision coverage? Collision coverage is the portion of your car insurance that will pay you to repair or replace your vehicle in the case of a covered accident. What is comprehensive coverage? Comprehensive coverage is the portion of your car insurance that helps pay for damages to your vehicle that are incurred as a result of situations such as weather, theft, and vandalism.

As with all insurance, car insurance policies carry a deductible. The deductible amount is the portion of the claim that you as the policy holder are responsible for paying. For example, if you carry a $250 collision deductible and you cause a wreck that requires $1000 worth of repairs to your vehicle, then you will pay the first $250 and the car insurance company will cover the remaining $750. Car insurance costs go up as you lower your deductible. If you are willing to carry a higher deductible, then your car insurance will be less expensive.

Another item to keep in mind is that as your car ages and its value declines your car insurance premium will decrease in price. This assumes that you keep a good driving record and do not get any tickets or get in to any accidents. Also, as you car gets older you can reduce the amount of coverage that you have in your car insurance policy. Many people believe there is no need to carry anything more than liability coverage on a car that is old and not worth much anyway. It is always up to you, but it is definitely something to consider.

Car insurance is typically charged at a six month rate. This allows you and the car insurance company to make adjustments a couple times a year. You can pay the premium of your car insurance once every six months or you can break the payments up in to a schedule that is more suitable to you. Many people make payments once a month. Keep in mind that car insurance companies are willing to let you do monthly payments, but they charge a higher rate on a month-to-month payment than they do for the six month total. For example, your six month rate may be $600, but if you make monthly payments, then you are charged $120 per month.

There are several companies that offer car insurance so you have plenty of choices.

Jason D. Barrett is currently focused on writing articles for InfoBriefs.com (Brief reports on several topics), ChildInsure.com (Child Insurance), and ScoutTechnology.com.

Car Insurance Basics: The Basics of Car Insurance Made Easy

What is car insurance? Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Your car insurance premium (cost) is made up of several different factors. Those include your age, driving record, gender, vehicle type, vehicle age, geographic location, number of miles you put on your vehicle yearly, the deductibles (collision and comprehensive), etc.

What is collision coverage? Collision coverage is the portion of your car insurance that will pay you to repair or replace your vehicle in the case of a covered accident. What is comprehensive coverage? Comprehensive coverage is the portion of your car insurance that helps pay for damages to your vehicle that are incurred as a result of situations such as weather, theft, and vandalism.

As with all insurance, car insurance policies carry a deductible. The deductible amount is the portion of the claim that you as the policy holder are responsible for paying. For example, if you carry a $250 collision deductible and you cause a wreck that requires $1000 worth of repairs to your vehicle, then you will pay the first $250 and the car insurance company will cover the remaining $750. Car insurance costs go up as you lower your deductible. If you are willing to carry a higher deductible, then your car insurance will be less expensive.

Another item to keep in mind is that as your car ages and its value declines your car insurance premium will decrease in price. This assumes that you keep a good driving record and do not get any tickets or get in to any accidents. Also, as you car gets older you can reduce the amount of coverage that you have in your car insurance policy. Many people believe there is no need to carry anything more than liability coverage on a car that is old and not worth much anyway. It is always up to you, but it is definitely something to consider.

Car insurance is typically charged at a six month rate. This allows you and the car insurance company to make adjustments a couple times a year. You can pay the premium of your car insurance once every six months or you can break the payments up in to a schedule that is more suitable to you. Many people make payments once a month. Keep in mind that car insurance companies are willing to let you do monthly payments, but they charge a higher rate on a month-to-month payment than they do for the six month total. For example, your six month rate may be $600, but if you make monthly payments, then you are charged $120 per month.

There are several companies that offer car insurance so you have plenty of choices.

Jason D. Barrett is currently focused on writing articles for InfoBriefs.com (Brief reports on several topics), ChildInsure.com (Child Insurance), and ScoutTechnology.com.

Car Insurance Basics: The Basics of Car Insurance Made Easy

What is car insurance? Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Your car insurance premium (cost) is made up of several different factors. Those include your age, driving record, gender, vehicle type, vehicle age, geographic location, number of miles you put on your vehicle yearly, the deductibles (collision and comprehensive), etc.

What is collision coverage? Collision coverage is the portion of your car insurance that will pay you to repair or replace your vehicle in the case of a covered accident. What is comprehensive coverage? Comprehensive coverage is the portion of your car insurance that helps pay for damages to your vehicle that are incurred as a result of situations such as weather, theft, and vandalism.

As with all insurance, car insurance policies carry a deductible. The deductible amount is the portion of the claim that you as the policy holder are responsible for paying. For example, if you carry a $250 collision deductible and you cause a wreck that requires $1000 worth of repairs to your vehicle, then you will pay the first $250 and the car insurance company will cover the remaining $750. Car insurance costs go up as you lower your deductible. If you are willing to carry a higher deductible, then your car insurance will be less expensive.

Another item to keep in mind is that as your car ages and its value declines your car insurance premium will decrease in price. This assumes that you keep a good driving record and do not get any tickets or get in to any accidents. Also, as you car gets older you can reduce the amount of coverage that you have in your car insurance policy. Many people believe there is no need to carry anything more than liability coverage on a car that is old and not worth much anyway. It is always up to you, but it is definitely something to consider.

Car insurance is typically charged at a six month rate. This allows you and the car insurance company to make adjustments a couple times a year. You can pay the premium of your car insurance once every six months or you can break the payments up in to a schedule that is more suitable to you. Many people make payments once a month. Keep in mind that car insurance companies are willing to let you do monthly payments, but they charge a higher rate on a month-to-month payment than they do for the six month total. For example, your six month rate may be $600, but if you make monthly payments, then you are charged $120 per month.

There are several companies that offer car insurance so you have plenty of choices.

Jason D. Barrett is currently focused on writing articles for InfoBriefs.com (Brief reports on several topics), ChildInsure.com (Child Insurance), and ScoutTechnology.com.

Classic Car Insurance Secrets - The Insider's Guide to Understanding Classic Car Insurance

If you have an antique or classic car then you know how lucky you are! Every time you look at it it makes you feel good, and makes you remember exactly what you achieved in order to be able to own it. There are only a couple of flies in the ointment. The first you have already overcome. That's finding, buying and probably restoring the car to its former glory (unfortunately many antique and classic cars are in 'antique and classic' shape when you find them!). The next biggest problem (other than finding the money to buy it in the first place), is classic car insurance. Because whilst you hope that all goes well, you have to be prepared for problems (even if you don't think they will happen).

Ok. So you have a problem. Namely that you need classic car insurance. You need it now. Where do you turn? Fortunately there is a step by step process to follow to get your classic car insured, safe and feeling comfortable. And thankfully, in these days of the internet, it need not put you in the poorhouse to achieve your goal of safely meandering the country lanes (or wherever you happen to find yourself), in your new pride and joy.

The first step is to do a search for classic car insurance online. You will find that most insurance companies will allow you to drive your classic car for around 5000 miles a year. And this is something worth bearing in mind when you approach insurance companies. You need to know how much you intend to drive the car, and realise that that will be a key factor (along with driving record, your age etc) in determining the amount of insurance premiums that you will have to pay. If you drive the car a lot, then expect your premiums to cost you much more.

The insurance companies tend to have a couple of different classifications as to what constitutes a 'classic car'. These tend to fall into the following three time periods.

1934 - 1970 - The car should typically be older than 15 years to be thought of in the 'classic car' mould. Though obviously, this is a matter of preference for the user ;) But as far as the classic car insurance company is concerned it is a good yardstick to bear in mind.

1903 - 1933 - These are referred to as 'Vintage or sometimes 'Antique' Classic Cars.

Prior to 1903 - These are called 'Veteran' Cars. They are typically very rare, and often one-offs, so expect the classic car insurance premiums on these to be somewhat steep.

The important thing to remember though is that there is less choice in the classic car insurance market. It is simply not offered by as many companies, there are more niche players, and so the classic car insurance quotes that you receive may well be less varied then you would get in the general auto insurance market.

Want more information about getting cheap classic car insurance quotes?

Then visit http://www.insurancesalesman.com and our jam packed auto insurance quote information center for the latest insurance information and other top tips to get classic car insurance online.

Budget Car Insurance – Car Insurance Buying Tips

Car insurance is an integral part of the insurance budget. There are a lot of variables that cause the rates to increase or decrease. Some of these variables cannot be controlled by the insured but there are some things the insurance buyer can do to keep their policy reasonable without losing a lot in protection.

What Are Your Assets? – Do you own a home? Do you have several vehicles? Do you own a business? Do you rent an apartment? Your strength in assets is a factor when selecting your liability limits. If you accidentally injure or kill someone in an automobile accident and you carry low liability limits on your car policy then your assets are next in line to be used to pay for the damages.

The Age of the Vehicles – Newer vehicles usually require physical damage coverage by the lender. Older vehicles with a lot of miles sometimes do not warrant physical damage. Physical damage rates can be adjusted up or down based on the deductible you choose.

The Age of The Drivers – Adult rates, senior adult rates, and rates for young drivers make a huge difference in the overall rate. Young drivers on vehicles with physical damage coverage can be very costly.

What are the Discounts? – There are a number of discounts on car policies. The multi-policy discount is given by insurance companies for purchasing both auto and home insurance. Retirement discounts are available to the senior adult. Young drivers receive discounts for drivers training education. Some companies give good student discounts for young student drivers that maintain a 3.0 grade point average.

Full Tort or Limited Tort – Many states have a discount for selecting a limited tort option. Tort is your right to sue for pain and suffering damages over and above the basic liability settlement. This varies from state to state.

This is the overall picture what insurance companies use to determine your individual rate. You have a choice when it comes to liability, physical damage, and tort options. Ask plenty of questions about these three areas when purchasing car insurance.

View our Recommended Source for Insurance Quotes it is a simple site that offers low rate insurance quotes of all types. car insurance quotes home owners insurance

Tips For Buying Cheap Online Car Insurance And Getting A Free Online Car Insurance Quote

Smart shoppers can save money, buy cheap car insurance and get a reliable free online car insurance quote. The secret is to prepare before you log on to fill out the application.

Here are some tips from an experienced insurance shopper for getting the best deal:

1. Know your own driving record.

Insurance companies want the safest drivers as customers and charge a higher premium to drivers who have poor records.

Surprisingly often, a driver's moving violation history has been recorded inaccurately by the courts or the state motor vehicle department.

Contact the DMV in your state. For a list, go to www.DMV-Department-of-Motor-Vehicles.com

Make sure your record is accurate before a car insurance company checks it and decides to reject your application or assign you a higher than necessary premium.

2. Know your consumer credit report score.

If you have a less than stellar credit rating, you can expect to pay more for online car insurance -- but don't spend a penny more than necessary!

Many consumers never know about the inaccurate information that blemishes their credit reports and results in their paying higher insurance premiums. Don't guess -- get the facts.

For information on how to get a free credit report from each of the three major credit reporting agencies, go to www.AnnualCreditReport.com

3. Know how much insurance you need.

Usually, personal liability and medical coverage are required, but the amounts can vary by state. Check with your state motor vehicle department to be sure.

The safest course is to buy the most insurance coverage you can afford. But if you're on a tight budget, you don't have to buy any more insurance than you're legally required to carry.

4. Beware the low-ball scam.

That's when a less-than-reputable company gives you an online car insurance quote that looks low but eventually isn't. You sign up, they collect your money, and a few months later demand a higher premium than originally quoted.

To avoid the low-ball scam, check with the industry companies, such as www.AMBest.com, that rate car insurance providers. Don't buy from any insurer whose rating is lower than B. The higher a insurer's rating, the less likely it is to go out of business owing to insolvency, and the more reputable it probably is.

5. Etch your VIN.

Some insurers give a 10 or 15 percent discount on cars that have the vehicle identification number (VIN) etched into the windows. VIN-etched cars have a 64 percent lower theft rate than non-etched cars. An etched car that is stolen has a better than 85 percent chance of recovery.

Law enforcement authorities recommend VIN etching as a proven, effective deterrent to theft. The process is easy and takes as little as 15 minutes to etch the average car. Purchasing VINetcher, the do-it-yourself VIN Etching Kit, the do-it-yourself VIN Etching Kit, includes the option to register in the National Vehicle Identification Program for increased protection.

For additional hints and tips, including sources for buying cheap online car insurance and getting a free online car insurance quote, visit www.How2BuyInsurance.com.

Peter A. Schaible is a freelance writer and Editor-at-Large for the http://www.MequodaLibrary.com.

Car Insurance - Why Is Young Driver Car Insurance So Expensive?

Effectively it comes down to the statistical risk. As younger drivers are much more likely to be involved in an accident. Because of this young drivers not just to consider their insurance costs but to consider the cause of them. If you are so much more likely to be involved in an accident then you should be as worried about the risk to your health as to your wallet.

might be able to help you keep the costs down but you should take individual responsibility for your safety and that of other road users.

Consider the facts;

One in five new drivers has an accident in their first year on the road

17-21-year-olds represent only seven per cent of all driving licence holders, but they make up 13 per cent of drivers involved in injury accidents

Young drivers have more accidents in the evenings and early mornings than older drivers and a higher proportion of these are single-vehicle accidents

Speed is a considerably more significant factor in young-driver accidents than it is in accidents involving older drivers

Hint

Alcohol, fatigue and peer pressure from friends also contributes to accidents involving young drivers. Consider taking a pass plus course. This will reduce your costs and make you a safer driver.

Young drivers fall into a higher risk category for most insurance companies and often find themselves with much higher motor insurance premiums than older drivers. In the UK, there are multiple motor insurance companies who specialise in providing insurance for extremely specific sections of the population in as competitive a manner as possible. Certain insurers will search a panel of companies for Motor Insurance quotes designed for young drivers. To Link below should help with:

The best price from our young driver car insurance panel

Policies for provisional or first time drivers

Pass Plus discounts of up to 20%

All young drivers face a problem when getting on the road - the cost of insurance. Drivers between 17 and 25 account for a third of all road fatalities and because they are such a 'high risk' age bracket, insurance companies charge much higher premiums.

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