mico asked:


I recently rented a car and paid for insurance and liability the whole time i had it. I bumped the fender to the curb and the rental had me sign their report and I didn’t have to pay for anything. I’m planning to buy a car but will the incident affect my insurance rate if I get my own insurance/

tylkershnobbs asked:


i want to live the simple life out of my van but i dont wanna run the risk of getting it towed or me getting fined for not having insurance…is there a way to basically be a hobo with a car?

billypartridge asked:

Esther Shaw and Pete Markey of More Than discuss cutting car insurance premiums

senshi25 asked:


If you change car insurance, does your policy number stay the same?

Looking for auto insurance rankings? Want to find the best companies with the best rates? Here’s how …

Best Auto Insurance Companies

Here are three websites that rank auto insurance companies:

Your State’s Department of Insurance Website

All states have a department of insurance website, and most publish consumer complaints that have been filed against insurance companies. Most companies have complaints filed against them, but if a company has a lot of complaints compared to other companies, you should avoid them.

A.M. Best (ambest.com)

A.M. Best publishes insurance companies financial and credit ratings. These ratings give you an idea about an insurance company’s ability to pay its claims. You should go with a company that has a B+ rating or higher.

Epinions (epinions.com)

At Epinion’s, customers rate companies by customer service, website experience, response to claims, and price confidence. Customers also write reviews about each company. These reviews range from “The best insurance we’ve ever had!” to “The WORST customer service you could imagine.”

Best Auto Insurance Quotes

Here’s how to get the best auto insurance quotes:

Comparison shop – Because insurance quotes can vary by $1,000 or more from one company to another, the first thing you need to do is go to an insurance comparison website. You’ll fill out a simple form so you can get quotes from a number of A-rated companies, then all you do is pick the company with the cheapest quote.

The best insurance comparison sites have an online chat feature and an “800″ number so you can talk with insurance experts to get answers to your insurance questions.

Consolidate your insurance – Insurance companies will give you a 10% to 15% discount if you purchase your auto insurance and your homeowners or renters insurance through them.

Raise your deductible – Raising your insurance deductible from $250 to $500 can save you as much as 30% on your premium.

Drop collision and comprehensive coverage – If your premium plus your deductible is more than your car is worth, consider dropping your collision and comprehensive coverage.

Get safety and security discounts – Insurance companies give good-sized discounts if you have air bags, anti-lock brakes, car alarms, and anti-theft devices installed on your car.

By: Brian Stevens

About the Author:

Car insurance is certainly essential for all those who possess these vehicles. The number of advantages pertaining to these polices is what makes them so desirable. As you never know when any disaster may take place on the road, the car insurance protects you from serious financial loss by providing you with aid in case of such incidents. Different car insurance policies provide different covers. It depends on your personal choice as to which kind of insurance you would like to go for. The selection of the type of insurance also depends on your budget as different covers have different charges and premiums.

Many people hesitate when it comes to buying car insurance as they find it costly. Well, what they need to know is that in case they encounter a road accident, the price which they may have to pay for the repair of the vehicle or hospitalization will be manifolds than what they have to give for the insurance. For this reason, it is much more prudent to get car insurance and remain safe from such issues.

There are a number of companies from which you can get car insurance. With the availability of the internet, the task of finding insurance for your vehicle has become easier. You can just get online and search for the insurance companies. Find out the various options of car insurance policies that they offer. You need to know the cover of each policy and other conditions in detail. This will allow you to have a clear idea of what you are going to get by means of these insurances and how much you have to pay. It is advisable to take multiple quotes from different companies so that you can make a comparison and know the best offer.

When you buy car insurance you will also have to give in certain information such as your driver’s license, Social Security number as well as your vehicle identification number. You also need to know the details and specifications pertinent to your car such as its make, model, the number of cylinders in it, and the current mileage etc. Particularly, when you are looking for car insurance quotes online you will need to have this information so that you can get quotes quickly.

You must also be clear about what exactly you would like to have in your car insurance and how much you can afford. This will help you to have the best policy without wasting your time.

By: Hamza Ejaz

About the Author:

If you own an automobile, you most likely know something about auto insurance, but there’s a lot to consider when deciding what type of auto insurance to purchase for your car. Understanding the basics of auto insurance will help you make the choice that best suits your needs.

An auto insurance policy offers a variety of types of coverage. This includes the following:

Liability provides coverage for any bodily injury and property damage to others for which the insured is determined responsible. Generally, liability coverage also extends to any rental car.

Collision covers any damage to the policy holder’s own vehicle in any type of collision. Collision pays for the repair of the vehicle, or for the cash value of the vehicle if it is deemed “totaled.”

Comprehensive coverage pays for any loss or damage to the vehicle from an incident other than collision. This includes, but is not limited to, theft, fire, weather, and impact with an animal.

Loan/lease payoff, or GAP, coverage is designed to provide protection during the time shortly after purchase/lease, when the car’s value has sharply depreciated, and there is a gap between the actual value of the vehicle and the amount owed.

Loss of use, or rental reimbursement, covers the cost of a rental car to replace the insured car while it is being repaired after it is damaged in an accident.

Medical coverage pays any medical expenses (regardless of fault) incurred in an auto accident.

PIP, or Personal injury protection pays any medical expenses (regardless of fault) for the insured driver for treatment due to an automobile accident. It at times also covers lost wages and other damages and is required in some states. It is sometimes deemed “no-fault” coverage because premium costs should not increase due to filing a PIP claim.

Uninsured motorist coverage pays for any damage to the car caused by a motorist without liability insurance.

Under-insured motorist coverage pays for any damage to the car caused by a motorist with insufficient liability insurance.

Most states require auto insurance, but the amount required varies from state to state. It’s a good idea to know what is required in your state, as well as what optional coverage is worth considering. Each state’s requirement is stated in terms of bodily injury liability limits and property damage liability limits, and anything beyond this is optional.

There are many factors to consider when determining what coverage suits your needs. For instance, consider your vehicle and how much would it cost to replace or repair it. Whether or not to opt for collision or comprehensive is based on the value of the vehicle. Don’t forget that other types of insurance, such as health and home owner’s, may cover the damages caused by an automobile accident.

In short, determining the amount of auto insurance, like any type of insurance, to purchase is about how much the policy holder is willing to pay out of pocket compared to how much they wish the insurance company to cover.

By: Quin Bailey Rodger

About the Author:

robinganemccalla asked:


I don’t have insurance now but I am looking to visit somebody (in Los Angeles) who has a spare car and I want to be able to drive it insured. I’m visiting for less than two weeks.

clarita asked:


I know car insurance in NY is not less expensive in general, but any suggestions would help.

neda asked:


Is it possible for a canadian citizen to buy car insurance in america, if so, how does he do that? My brother lives in america and I live in canada, I want to get car insurance from America as it is cheaper. Is that possible and is it legal?