Serenity asked:


My younger sister recently turned 18 and got her license. She’s in dying need of insurance but she’s a D average student and ashamed to show her grades. Does the car insurance discount still apply to students who are 18?

abigail B asked:


I’m a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

Many families do not think about car insurance until they need it. That’s perfectly natural. However, to save your family some stress and anxiety, be sure that you always have current car insurance. Your car insurance protects you and your car in case of an accident.

Policies vary, so it is critical to check your car insurance policy. Most car insurance policies will cover you if you have a car accident with another car at either you are at fault or it is a no-fault accident. Your car insurance will pay to have your car repaired. This car insurance will also pay to have the other car repaired as well.

Most car insurance policies have a deductible that you must first meet. This is a dollar amount of a claim that you must meet before the car insurance company will pay anything to repair your car. Typically, the more expensive your policy the lower your deductible. When your car insurance is inexpensive there is a strong chance you have a high deductible. It is a wise step to confirm what your deductible is before you have a car accident.

Most car insurance companies offer a variety of deductibles and you can change your deductible limit by paying either more or less. The decision to do this is very personal, and only you can decide which policy would be best for you. There are people who haven’t had an accident in twenty years that want a low deductible. Then there are people who have had a recent accident that want a high deductible. Everyone is different.

Some states in the U.S.A. actually do not require that you have car insurance. However, many states do require that you have both a registered and an insured car. This protects you and the other drivers on the road from any possible accident. Were you to get in any type of car accident, an insured driver is covered for the most part by putting in a claim. An uninsured driver often winds up getting a personal lawsuit from the other driver as a result of the accident. Sometimes the uninsured driver does not have enough assets to pay the other driver what they are owed. Car insurance is a great benefit that certainly protects your family from a potential lawsuit and any other stresses.

Many car insurance policies will also cover your medical bills if you are in a car accident. This includes hospital and surgery bills. Some car insurance policies will pay for physical therapy or reconstructive surgery. There are even car insurance policies that will protect your pets from possible harm. It is nice to know that were your pet to be harmed during a car accident, that the car insurance company would pay their medical bills as well.

Some people may complain about the cost of car insurance and having to pay for it. No one likes having to pay an additional bill. However, the benefits of car insurance far outweigh the negatives of possibly having this type of insurance. There are so many reasons to be happy that you have car insurance. Anyone that is driving a car should have car insurance. To drive without car insurance is to take a real gamble.



By: Daniel Millions

About the Author:

Chloe B asked:


I was wondering if you need any qualifications in order to sell car insurance (like in Allstate, SafeAuto etc etc). I just noticed that my agent had some sort of diplome and that sparked my curiosity lol.

Catherine B asked:


I’m a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

Brian H asked:


Haven’t had a car accident in over 10 years, but I did have a spill on my bike ruled my fault recently. Will this affect my car insurance at all? It hasn’t yet, but I’m about to switch insurance companies and get a new car. I also no longer have a motorcycle.
Oh, I should add that this happened longer ago than I thought. Back in January. My car insurance has NOT gone up. I’m just worried that shopping for NEW insurance they’ll see it and it will affect things.

supaflyz asked:


I’m a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

claimsreporter asked:

Anderson Cooper story about questionable auto insurance practices. … cnn anderson cooper allstate state farm 360 insurance auto car claims

ar insurance quotes might intimidate you the first time you have to deal with them. It’s not just the rules and regulations, and all the requirements the state puts down, it’s also the companies who provide the car insurance quotes. But we feel that if you get the car insurance quotes from a good source, then things are a lot less complicated. We’ll get to that later though. Let’s start from the basics, the very nitty-gritty of car insurance.

Get Many Car Insurance Quotes!

Quotes from multiple sources are what you want. If you only get a couple of car insurance quotes, then you don’t really get a feel for the kind of deals that are out there. And believe us, car insurance quotes can vary a whole lot!

Car Insurance Quotes Need Info

Next, you’re going to want to find all the information you need about your car. Insurance quotes are only as accurate as the information you give out! A good car insurance quote takes into account all sorts of things about your car, like the model, the year, the odometer reading, and how much you use it. Most of the information a car insurance quote asks for you will know off the top of your head, but there are some things, such as the Vehicle Information Number (VIN) which you can’t be expected to have memorized. You can find this on your title (you do still have your title, right!).

Name Your Coverage: Many Kinds of Car Insurance Quotes

To get a car insurance quote, you will also need to know precisely the sort of coverage you actually want. There are several kinds of car insurance. Quotes can cover such things as yourself, your vehicle, and other people who might be involved in an accident. The basic liability insurance is probably required by your state and this would likely give you the lowest car insurance quotes. Liability insurance just pays for things you would be legally liable for, in the event that you goof up and break something or someone. There’s also what they call collision coverage, and you should consider getting car insurance quotes for this if you want to protect your car from damage from car accidents and such. This isn’t to be confused with comprehensive coverage which protects your car from things that can’t be considered car accidents, and you should look carefully at your car insurance quotes to see exactly how broad that comprehensive coverage is, but it ought to work for things like fire or theft.

There’s not much else you need to know to get the best car insurance quotes available to you. That wasn’t so hard, was it? Good luck finding your car insurance quotes!



By: Barclay Win

About the Author:

AylaxLoyalty asked:


I get my license tomorow and my dad was planning on letting me use his car Friday. His insurance covers the driver of the car, but then other insurance policys are saying that I need to be under the insurance, if I am in the home. I don’t live with him. So does he still need to add me to the insurance, since I don’t live in the home?