MexicaliDad asked:


I have Mercury car insurance and I pay for ful coverage, I just totaled my 12 month old Camry and now my agent is telling me that I do not have access to a rental car, that the only way to get ono under my contract is if the vehicle was stolen. Is there anyone that can help because I think i’m getting ripped off and don’t have a clue on what to do next. I really appreciate your time, thank you.

Princess Hiccup asked:


I am at college in Alabama and I am from Washington. I was wondering if I bought a car in Alabama if it would be covered by my parents insurance in Washington since I do not have Alabama residency? Would the car need Alabama or Washington tags? We have Geico and I am still under my parents coverage.

thezneak505 asked:


Ok. I am seventeen years old and i want to get my drivers liscense but my parents wont let me because they wont pay for my car insurance. Does anyone know the laws for underage drivers for car insurance? I would be driving one of their cars and i wouldnt have one of my own. If you can site a source, it’d be great cause then i could show it to them. thanks.

Ambervisions asked:


My stepson needs to get some online insurance today…………dont have alot of time to research. What would you say is the cheapest car insurance available on line……..monthly payments?
Thank you Misty flip. Agent Denim……that was my original suggestion to him. We will get him on our insurance!
And Ricknows………Im just asking what he wanted to know. It’s not laziness………I assure you! So don’t get so snitty!

Matthew asked:


In my last question i mentioned that i am no longer insured. I do not have a car, so i cannot just go out and buy car insurance. so they said i need to be covered under one of my parents policy or something… My mom refuses to do it, Because i missed one month payment while i was on hers before.. And i have no one else who wants to… Is there a no car insurance that i can get that covers me regardless of what i drive, so im not uninsured. I cant drive without insurance.

Auto insurance is a contract with an insurance company that helps to protect you against severe financial loss if you are ever in an auto accident Auto insurance is required to protect yourself from road and auto accidents and may include losses for liability, medical payments and any physical damage resulting from the accident. The coverage of a personal auto policy includes the insured, his family members, friends and associates that may borrow the car.

Automobile insurance includes vehicles like cars and bikes and is available for everybody. Most states have laws that require basic auto insurance coverage for every driver. Only some states ask that you display financial responsibility. If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will have to pay a fine or specific to the laws of your state which may also include loss of driving privileges. The financial responsibility law states that you have to demonstrate having sufficient assets to settle any judgments against you which may arise out of an auto accident. If you are uninsured and in an auto accident that involves property damage or injuries to people, you will be required to pay for any damages assessed by a court.

However, having automobile insurance does not prevent a person from suing you. It does assure that the financial and legal resources of the insurance company will assist you in defending the suit and paying for the damages in the case of an automobile accident.

Since most states require auto insurance from all drivers, the states have assigned risk plans to assure coverage. The plans vary from state to state, but assigned risk policies are usually expensive, because a bad driving record makes you a bad risk for any insurer. Most auto insurance policies are non-assessable. If you do have an assessable policy, you can be assessed an extra amount if your insurance company has had an extraordinary amount of car accidents that year.

Auto insurance rates have fallen considerably across the U.S. in the last two years. The reasons contributing to this decline are:

Safer cars

Falling crime rates

Stringent drunk driving laws

Increased competition among insurance companies

Ageing of the population

With a growing need for auto insurance, many insurance companies now offer specific auto insurance deals tailored to the consumer.

By: William Brister

About the Author:

Christina M asked:


I need to rent a car in Spain for 5 days. Never rented a car in Europe and have heard some conflicting ideas on what extra insurance is worth buying just in case something happens. Any help appreciated.

Beverly H asked:


The car has not yet been in for repair, but I have told the insurance company I will accept a particular body shop I am not so fond of after I did some research.

Elie asked:


My fiance pays more than his car payment for his insurance monthly because he got a speeding ticket 2 years ago. It’s a complete waste of money and they won’t lower his total until the ticket is 3 years old.

Would it be possible to go to another insurance company and put his car under my name and he can be one of those additional drivers? That way we can save money?
this is the whole story. one ticket, the insurance company is state farm.

Zohraver R. asked:


I saw an add for SafeRoad Auto Insurance for as low as $15 a month. I just got my driving permit. Is this a good insurance company, or which car insurance would be my best bet? Thanks!