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Top Ten Car Insurance Questions and Answers

Got car insurance questions? Here are the top ten car insurance questions complete with answers.

Do I need car insurance to drive my car?

Yes. All states require you to have liability coverage, and some states require you to have uninsured motorist coverage which insures you against losses from an accident caused by an uninsured, underinsured, or hit-and-run driver. Visit your state’s department of insurance website to find out what your state’s requirements are.

What’s the minimum amount of insurance I need?

The minimum amount of coverage in most states is liability coverage. This includes:

* Bodily injury liability which pays for damages and your legal fees if you’re held liable in an auto accident and other people are injured or killed.

* Property damage liability which pays to repair or replace the other driver’s car when you cause an accident.

What other coverage should I get?

* Collision coverage pays to repair or replace your car when it’s damaged in an accident.

* Comprehensive coverage pays to repair or replace your car when it’s damaged by fire, theft, vandalism, or acts of nature.

* Personal injury protection coverage pays medical expenses for you and your passengers when you’re involved in an accident. It also pays medical expenses for you and your family when you’re injured in another person’s car or are walking.

Where can I get cheap car insurance?

The best way to get a cheap rate on car insurance is to compare rates from different companies. There are now insurance comparison websites where you can get rates from a number of companies so you can compare all their rates and choose the best one.

Some of these sites even have an online chat feature where you can get answers to any questions you may have from an insurance expert. (See link below.)

How can I lower my premium?

You can lower you premium by raising your deductible. For instance, raising it from $250 to $1,000 can save you 15% to 50% on your yearly premium.

What’s a deductible?

A deductible is the amount you must pay toward a claim before your insurance company will pay.

What discounts are available?

Most insurance companies will give you discounts for:

* Insuring both your car and your home with them.

* Installing security devices on your car such as anti-theft devices and burglar alarms.

* Having a good driving record for at least three years.

* Taking a drivers education course.

Does my credit rating affect my rates?

Yes, most car insurance companies now use your credit rating as a factor in determining your car insurance rate.

How do I know the company I choose will pay my claims?

You can check an insurance company’s financial rating, which measures its ability to pay claims, at the A.M. Best website (ambest.com)

How do I know the company I pick will give me good service?

You can get insurance company customer satisfaction ratings at the J.D. Power & Associate’s website (jdpower.com).

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes from top-rated companies and see how much you can save. You can get more insurance questions and answers in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on car insurance questions.

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Insure questions & answers

What Does It Cost To Insure A Home Daycare?
I want to insure a home daycare in Michigan. I will own 6 kids, is nearby anybody surrounded by Michigan that can hand over me an impression of what insurance rates are approaching? Everytime I try asking an agent they want adjectives my information first and next I gain…

what does successor denote on a duration insure policy ??
primary are the main ones on policy. But what does the successor carry if that person on the policy pass away ? Or do the primarys have to be lifeless in instruct for the sucessor to get anything ?? A successor is the beneficiary if the owner of…

What Health Insurance Options are available to Self-Employeed contained by Texas? I hold glorious blood pressure.?
I enjoy be told that I will own to reward more because of glorious blood pressure and large cholestrol. Is that true? There are heaps option for self-employed surrounded by Texas. I work for Insurance Advisors. We specialize within strong to insure…

What insurance companies set aside Commerical General Liability Insurance?
ALL property casualty companies offer CGL. The interrogate is, which types of business will they insure? What kind of information do they want? There are literally thousands of companies that do that – the post of an agent is finding the one to match up beside your business….

What is a bonded duration settlement?
A life settlement is when the owner of the policy transfers ownership to a third-party (usually a ridge or investment group) in exchange for money. The bond is probably taken out to insure the payments. You should ask the energy settlement broker what the bond is for though. You should also…

What is a correct condition ins for kids with the sole purpose?
When I have to insure my child by himself, I really like the BC/BS Keystone plan (for PA). But you’re going to enjoy to call on a local agent, as not adjectives plans are available contained by adjectives states. And if your income is low,…

What is a honest enthusiasm insurance company that accept general public over 50 no issue what state their robustness is contained by?
My mother is 55 and in a nursing home. She doesn’t hold any life insurance right immediately and is not in the best of vigour. Is there a company that will insure her? You should…

what is an average cost to insure a 1000 square foot home?
home is in clothed area upgraded electrical, 100 amp non smoker wood frame house home is in the region of 95 years old The cost to insure a home depends largely on what the dwelling amount is. The dwelling amount is what the insurance company will…

What is coinsurance?
Are you asking about homeowners/property insurance, coinsurance? In MOST property policies, there’s a condition, that you own to insure your house to a percentage of the cost to rebuild it. The percentage is usually 80%, 90% or 100%. If you don’t insure your house to the percentage they require, when the claim comes around,…

What is insurance?
Insurance is a service that helps you lower your exposure to risk. For virtually every risk you can give attention to of, someone will insure it. If you have a loss, from the risk you are paying insurance to protect, the insurance company will try to “engineer you whole” again. This means they will…

what is intended by life span insurance?
and exactly how is applies Some time back, a reader informed us why pure natural life insurance goes against his religious beliefs. According to him, it works similar to a betting game. Let’s read aloud you insure yourself for Rs 10 lakh at an annual premium of just Rs 2,000….

What is it call when you switch insurances and be person treated for something not covered below tentative insure
I remember when I got my brand new job and my aged insurance company sent me a letter so the bright insurance would cover my stuff. I had a gastric bypass underneath my old insurance that covered it….

Americans: Do you know Zionist Australian billionaire Frank Lowy made a billion dollars due 9-11?
He is the shopping mall magnate behind “Westfield” shopping centres and was leasing the retail areas of the WTC 7. One month or so before the attacks he magically had the bright idea to fully insure his investment against acts of terror. An…

What is the best duration insurance com?
If you are looking for occupancy, two websites pop out: 1) www.ameritasdirect.com/62.asp… 2) www.insure.com (formerly quotesmith.com) The forms for insure.com are long, and it will dispense you quotes from several residence existence insurance companies. It’s primarily a web-form doing alike article your independent insurance agent would do if you didn’t…

what is the best insur company to go with if you have had many accidents and violations in the last ten years
but are over the age of 25 Your best bet is going to an online site that lets you request quotes from many companies. There will certainly be some that are willing to insure high-risk drivers,…

What is the best insurance company to insure an enagement ring?
I’m looking for a dependable insurer that will insure an engagement ring; not an add-on policy to a homeowner’s or renter’s insurance. Moreover, a company that will soley insure a piece of jewelry. OK, look. A stand alone policy is going to cost a WAY WAY…

What is the cost to insure my engagement ring?
I know that home owners insurance covers jewelry but if I wanted to insure my ring separately, at what rate of the ring’s appraisal amount is the every twelve months payment for insurance? Your homeowners policy have VERY LIMITED built in coverage – for example, if the ring…

What is the most reputable homeowners insurance company to use within Florida?
I just moved from Florida. State Farm have a pretty good rep, and will donate a multi line discount if you insure your saloon as well. If you don’t occupy the home full time you will hold difficulty. Many carriers hold left Florida, and tons…

what is the relationship between marketing and underwrite in an insurance company?
for risk managment and insurance Underwriting determines who should be insured, classifies them according to risk, and determines rate structures. Marketing then convinces those those they should insure with the company. Marketing generate applications for insurance. Underwriting evaluates the application for insurability, accepts or rejects the…

what is the relationship between Petroleum company and insurance company?
all methods to insurance company can insure a Petroleum company? A petroleum company sell petroleum products and an insurance company sells insurance products. If you are asking if an insurance company can insure a petroleum company, the answer is yes. However, not adjectives insurance companies can write this…

What is the role of Risk Management in Insurance?
Hi Nimal, Insurance is the one of instruments in Risk Management. Insurance provide protection against risks like sudden death (life cover), personal accident, fire accidents, Electrical accidents, Theft and Burglary etc. Now a days you can insure any thing which is under sun. By paying premium as consideration…

What is the typical insurance payment per month for a 06 Lamborghini Murcielago?
Knowledgeable answers only please. The ONLY company I know that will insure this type of vehicle is Chubb. IF there aren’t any drivers under 30 for the vehicle, or over 70, it’s going to average about $5,000 a year if you’re not in a high…

What is your strength insurance horror story?
Healthcare is in the report almost every morning and without a doubt what we enjoy a nation is given up the ghost. We just this minute tried to insure our seven year out-of-date (after we lost our group coverage) and found out that because of a pre-existing condition she be “uninsurable”…

what will home owner’s insurance agent be looking at when he comes to inspect house before he will insure it?
Maintenance: Is the roof less than 20 years old, and in good repair? Any missing siding? Paint coming off? Handrails on steps, railings on porches? Electric all working? What kind of wiring, and what ampage is the…

Whats the best mode to be in motion in the region of puting insurance/bonding my company?
I’ve got a cleaning business that I purely started.I want to bond/insure it.I’ve tryed different web sights.All I gain is the run around.. Have you come across potential customers that required it ? Until you start hiring people, and are responsible for…

What’s the best type of vigour insurance for a pregnant woman?
Is it PPO, HMO, etc… Every plan is different, depending on deductibles, premiums, etc. If you are not currently insured, you will have trouble getting insurance at adjectives if you are already pregnant without insurance. Insurance companies do not usually insure folks with “pre-existing” conditions. HMO resembling…

When you get boat insurance what value does insurance company insure up to.?
if your boat is worth 20000 dollars and insurance company ask what is trailor worth along with boat and you say 35000 dollars. I am paying on that premium and someone told me if boat is stolen the insurance company want pay on what i…

Where can I bring insurance for DJ Equipment?
Need to insure DJ equipment for robbery while out on gigs. Can anyone direct me to a company that offer that? From an agent who sell insurance,where on earth else?

Where can I catch an online estimate for small business insurance contained by Pennsylvania?
Do not make the devastating error of attempting to insure your business in need professional help. There are too abundant vulnerabilities you don’t want to expose yourself to. See a property and casualty agent or agency that specializes in business coverage. I don’t…

Where can I find a pious homeowners insurance policy contained by Florida?
I have 2 homes to insure. One is a double yawning 2004 on 9.5 acres the other is a house 2bdr 1 bth & is a little elder. HELP PLEASE! OK, the first one isn’t a home – it’s a mobile home or trailer. NOT…

Where can I find Ohio Law concerning who can insure a house.?
I need to see within black and white the supposed law that say that in Ohio, your given name must be on the deed within order to get hold of homeowner’s insurance. I am an insurance agent…I have not see a state that doesnt follow that…

More insure questions please visit : InsuranceFreeFAQ.com

InsuranceFreeFAQ.com

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whoever can answer these dmv questions gets easy ten points?

.
If you are a driver, you are responsible for knowing and understanding the full effects of:
A.
Your emotions on your driving
B.
Alcohol on your driving
C.
All of the above
2.
The main cause of higher accident rates among teenage drivers is:
A.
Alcohol usage
B.
Risk taking
C.
Exhibition of speed
3.
If you are in an accident, you must report it to the DMV within:
A.
Five days
B.
10 days
C.
20 days
4.
California’s Basic Speed Law states:
A.
The maximum speed limit on freeways is 60 mph.
B.
Never drive faster than is safe for conditions.
C.
You must keep up with the flow of traffic.
5.
When you reach an uncontrolled intersection at the same time as another vehicle, yield the right of way to the car:
A.
Turning left
B.
On the left
C.
On the right
6.
In order to avoid last-minute moves, look down the road about:
A.
20 to 25 seconds
B.
10 to 15 seconds
C.
30 seconds
7.
Using all your mirrors to look for cars near you:
A.
You will see all cars behind and beside you.
B.
You will not see cars in your blind spots.
C.
You will see cars in your blind spots.
8.
A good driving habit is:
A.
Turning your head to look when you want to change lanes
B.
Constantly staring at the road ahead of you
C.
Checking your side and rear view mirrors only at STOP signs
9.
Use your horn to:
A.
Avoid an accident
B.
Wake up a sleepy driver
C.
Both A and B
10.
When following another car, one rule you may use is:
A.
The 10-second rule
B.
The two-second rule
C.
The three-second rule
11.
Safety belts in good condition and properly worn:
A.
Are one of your best protections against being injured in an accident
B.
Are required for driver and passengers
C.
Both A and B
12.
Tailgating means:
A.
Leaving your tailgate partly open
B.
Following too closely
C.
Having a party
13.
A driver should turn their head and look when changing lanes:
A.
To see if the lane is marked for cars
B.
To check for police cars
C.
To check blind spots on either side of the car
14.
Most new drivers, when faced with bad driving conditions:
A.
Usually have more out-of-control accidents
B.
Usually drive too slowly
C.
Usually drive more carefully than older drivers
15.
If your brakes get wet, dry them:
A.
By braking gently while giving the engine some gas
B.
By turning on the car’s heater
C.
By driving slowly and not using the brakes
16.
A locked wheel skid is usually caused by:
A.
Braking too hard at slow speed
B.
Driving in deep water
C.
Braking too hard at high speed
17.
An acceleration skid usually:
A.
Involves only the drive wheels
B.
Requires you brake hard to correct the problem
C.
Involves all four wheels
18.
For lane numbers used on the radio, the “fast lane” is:
A.
Lane #1
B.
Lane #2
C.
Lane #3
19.
For lane numbers used on the radio, the slowest lane is:
A.
Lane #1
B.
Lane #2
C.
Lane #3
20.
Never turn your vehicle’s ignition off while moving because:
A.
Your antilock brake system will stop the car.
B.
Your steering wheel will lock up and you can’t steer.
C.
Your car will suddenly lose air pressure.
21.
California state law says that:
A.
You must be covered by insurance when you drive.
B.
The vehicles you own and drive must be insured.
C.
Both of these statements are true.
22.
If you hit a parked car and can’t find the owner:
A.
Leave your driver license under the windshield wiper.
B.
Leave a note identifying yourself.
C.
Wait for the owner to return.
23.
An accident involving $750 damage to either vehicle requires:
A.
A report only if you are not insured
B.
A report no matter who is at fault
C.
A report only if you are at fault
24.
Any minor convicted of misdemeanors involving firearms:
A.
Will pay a $100 fine
B.
Will have driving privilege suspended or revoked
C.
Will pay a $200 fine
25.
Teenagers have a higher accident rate than adults because:
A.
They are inexperienced.
B.
They take unnecessary risks.
C.
They are unfamiliar with traffic laws.
D.
All of the above
26.
The most common violation for a new driver is:
A.
Speeding
B.
Driving under the influence
C.
Tailgating
27.
Of the following percentage of new drivers (age 15 to 19) who get tickets:
A.
About 50% have tickets the first year.
B.
About 40% have tickets the first year.
C.
About 20% have tickets the first year.
28.
If you’re under 18, the chances of a fatal accident are:
A.
1-1/2 times greater than the average
B.
2-1/2 times greater than the average
C.
4-1/2 times greater than the average
29.
Drivers going to Traffic Violator School may erase:
A.
Two tickets
B.
One ticket
C.
Three tickets

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