Who offers the cheapest auto insurance for a person with a dui? Just curious, my friend got a quote from Geico at $255 a month.

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Auto Insurance Questions

Do We Have to Have Auto Insurance?

In nearly every state out there, minimum coverage is required. The states that do not require minimum coverage right now are New Hampshire, Florida and Wisconsin. However, you will still need insurance (just not minimum coverage).

What is No Fault Automobile Insurance?

Chances are  you have heard the term “No Fault” used a lot. This is a form of automobile insurance that will be paying for the driver’s property damage and bodily injuries up to the policy limits. It does not matter who caused the accident. Take note that no fault is mandatory in many states. You need to check with your insurer to see if this rule applies to you.

What about PIP?

When you are looking for insurance, we know that you have heard the term “PIP” before. PIP stands for Personal Injury Protection and apart from covering the insured person; it is also used to cover the passengers of the insured person and family members injured when an automobile accident happens. When you have PIP, it does not matter whose fault the accident was.

What about Bodily Injury Liability Coverage?

This type of coverage is used in order to protect the insured from the claims coming from another individual that was injured during an accident where the insured was at fault. This type of coverage is generally extended to the family members.

What is Medical Payments Coverage?

Medical Payments Coverage generally protects you, covered passengers and covered family members. It will provide payment for necessary and reasonable treatment for injuries that were caused by an accident that was covered. With this, it does not matter whose fault it is. The typical expenses include the emergency room, ambulance, surgery costs and X-rays.

Why do I need car insurance?

The reasons for buying vehicle insurance are numerous. What will be required of you will be different from state to state so be advised to check for the service requirements in your state. It will pay you to know the level of financial and legal cover you will get if you are involved in an accident. Some important factors that contribute to the quality of your vehicle cover service include the state you live in and drive the car, and the category of insurance you purchased for it. The purchased insurance can cover your costs, the expenses of others involved in the accident or it can cover all the expenses arising from the accident.

High Risk Auto Insurance – How is it defined?

Before learning how risk is determined for high risk drivers, you should know how insurance companies define high risk drivers, that is, those requiring high risk auto insurance:

1) Individuals having three or more convictions, guilty pleas, and/or nolo contendere (not contesting the charge) for moving violations;
2) Individuals having a single conviction, guilty plea, or nolo contendere (Latin for not contesting the charge) plea for operating a vehicle while under the influence of alcohol or drugs, hit and run driving, vehicular negligent injury, or the reckless operation of a vehicle (or a similar violation), within a twelve month period.

What are the major categories of protection available?

Auto insurance services have been classified into 3 major types aimed at protecting you from loss.
• Property coverage: Pays for damage to your car or the theft of your car
• Liability coverage: Settles the bills of other injured people in the accident and their property damage
• Medical coverage: Takes care of the cost of treatment, rehabilitation and sometimes lost expenses and burial costs due to an accident.

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Auto Insurance Terms

A Layman’s Guide

Auto insurance score: Like a credit score, this score is based on information found in a consumer’s credit file. Insurance companies consider auto insurance scores when pricing policies. Having black marks on your credit report could really bump up your auto insurance costs.

Binder: A temporary insurance contract that provides proof of coverage until a permanent policy can be issued.

Bodily injury liability: The part of an auto insurance policy that pays for injuries you may cause another driver or pedestrian. It includes medical expenses and loss of wages.

Collision: The part of an auto insurance policy that pays to get your car repaired after a collision with another vehicle or an object, such as a fire hydrant or utility pole. It is collision insurance that will get your insurance company to seek out another driver’s insurance company to pay for repairs if they were at fault. A deductible amount will apply.

Comprehensive: This part of an auto insurance policy covers damages to your car caused by something other than a crash: a vandal breaks in, a tree falls on it or floodwaters engulf it. A deductible amount will apply.

Declarations page: The front page of an auto insurance policy listing the name of your insurance company, your policy number, your coverage, the cost of the coverage and your deductibles. This page also lists the vehicles insured on the policy as well as vehicle identification numbers (VIN).

Factors that affect your auto insurance include:

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Age

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The type of car you drive

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Marital status

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Where you live: an urban or rural area

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Driving record

Deductible amount: The amount of money a policyholder must pay before an insurance company steps in and pays the rest. Deductible amounts range from $100 to $1,000. The higher your deductible, the lower your insurance premium or cost. A higher deductible also means you’ll have to pay more money out of your own pocket if an accident, theft or another covered incident should occur.

Discount: A reduction in the cost of your auto insurance premium. Insurance companies offer discounts for everything from a teenage driver’s good grades to a car’s safety equipment, including airbags, anti-lock brake system and a security alarm.

Emergency road service: This part of an auto insurance policy pays for the cost of having your car towed after it breaks down.

Exclusion: A provision in an insurance policy that denies coverage for certain losses, locations, people and properties.

Gap insurance: A type of insurance offered to auto lease and loan customers that owe more on a car than it’s worth. Gap insurance pays the difference between what you owe and the actual cash value of a vehicle in the event the car is stolen or destroyed.

High-risk driver: If you have accidents or tickets on your driving record, many insurance companies will classify you as a high-risk driver and charge you more for insurance.

Liability insurance: This part of an auto insurance policy covers the injuries and damage you cause to other drivers and their vehicles when you are at fault in an accident. If you are taken to court, liability coverage will apply to your legal costs. Most states require drivers to carry liability coverage. The amount of coverage varies by state.

Limits: The maximum amount of benefits your insurer will pay for a loss as designated in your insurance policy.

Medical payments coverage: This part of an auto insurance policy pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection (PIP).

No-fault insurance: If you live in a state with no-fault insurance regulations, your auto insurance policy pays for your injuries no matter who caused an accident. No-fault insurance states include Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC..

Personal property liability: The part of an auto insurance policy that pays for damages you may cause to another’s car or property.

Personal injury protection (PIP): This part of an auto insurance policy pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. PIP is also known as medical payments coverage.

Premium: The amount charged for an insurance policy. A premium is based on the type and amount of coverage you choose. Other factors affecting your insurance premium include your age, marital status, your driving and credit records, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company.

Rental reimbursement: This part of a policy pays for the cost of a similar-sized rental car when your car is in a repair shop for covered damage.

Surcharge: A charge added to your auto policy premium after a traffic violation or an accident in which you were at fault.

Underinsured driver: This part of an auto insurance policy covers injuries to you caused by a driver without enough insurance to pay for your medical expenses. Some states include damages to your car in this coverage.

Uninsured driver or motorist: This part of an auto insurance policy covers injuries to you caused by a driver without insurance. Most states require drivers to carry uninsured motorist coverage. Some states include damages to your car in this coverage.

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