MoneySavingVideos asked:

An expert and Muffin explain how to save money when you buy automobile insurance. Tips for Saving Money on Automobile Insurance (auto insurance or car insurance:: 1) Raise your deductible 2) Drop your some coverage if you have an older car 3) Comparison shop 4) Drive Safely 5) Good credit score 6) Check insurance costs before you buy a car

Dawkins asked:


I’m a 22 year old male living in GA and mine is $770 every 6 months. I’ve never had a wreck or nufin. How old are you and how much is your car insurance every 6 months. It’s confusing because some people will say they pay, for example, $1000 in car insurance, but they don’t say whether it’s every 6 months or every year. Please be specific as to if it’s 6 months or a year. Thanks very much. I just want to know how much more I’m paying than all of you. lol

willia asked:


I’m a new driver and was interested in getting car insurance through my grandmother’s policy in Florida, I have a mailing address out there and visit Florida once a year, but live in New York.

Nearly all of us own a car or vehicle of some sort and one thing you must have if you plan to drive on a public highway is car insurance.

There are thousands of car insurance companies available to insure with and the best deals are normally found on the Internet.

That said, although you will probably pay more doing business with a high street broker you will have the added benefit of being able to probe them with questions and more importantly get them to do all the chasing around if you are unfortunate enough to have to make a claim.

Whilst searching for your car insurance it is worth taking the time to read the policy. Although car insurance policies are one of the most boring things on earth you will certainly be reading through it with a fine-toothed comb if you need to make a claim.

Generally when that time of year comes around when we have to hunt down the best car insurance deal we simply have one thing in mind and that is how much is this going to cost me! This approach can on some occasions backfire if you need to make a claim.

For instance, if you do get a great deal on the premium this can be reflected on the restrictions and terms and conditions applied in the policy. You may find that you will have to pay an enormous excess in the event of making a claim on the policy.

You may also find out after the event that your car insurance is not as comprehensive as you may have first thought it would be. An example of this would be if the car is subject to a theft and your valuable laptop and golf clubs have been stolen. To keep premiums down and attracting new customers car insurance policies will sometimes have a limit of cover afforded to valuables in the vehicle.

These points are worth considering even if most of us subscribe to the illusion that ‘an accident is not going to happen to me because I drive carefully’

You need to consider the scope of cover you require. If your car is of a high value then you definitely need your car insurance to be fully comprehensive which will not only cover you for damage to other parties in the event of an accident but will also cover the cost of any damage rendered to your own car.

The alternative is third party fire and theft, which will only cover you for damage and injury to other parties. You will have to bear your own costs for the damage on your own car. This may be a viable solution if your car is not worth a great deal and the difference in the cost for comprehensive car insurance and third party is considerable and you wont mind suffering the loss of your own car if the worst should happen.

By: Vicki Churchill

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Adventuresome Ron asked:


I’m 19, a college student, and have a car that my parents (Mostly) bought. I only have to pay the insurance, which is pretty crazy. I’m fine with that.

But I don’t know how often insurance is supposed to be paid. I know it can vary depending on what plan you have, but I have to pay $200 a month and my mom has been known to be a keneivingly deceptive person.

That sound ballpark? Two hundred a month? Maybe other teens with cars/experience relating to this can evaluate it?

LittleMomma asked:


We are just wondering because they want to charge this teen couple $900 for car insurance which I think is just horrible so if you know a cheap place in Panama City FL let me know thank you!

Jazmyn asked:


I just realized my car insurance is $383 every 3 months. I thought that was quite a bit. I’m 24 and totaled my car in February and just got a new Nissan Altima. So I was just wondering how mine compared to everyone else’s. How old are you? What kind of car do you have and how much is your insurance?

chuck asked:


Does car insurance pay sales taxes and destination charge if your brand new car gets damaged?

If your brand new car gets damage totally. what does the insurance company pay for?

How long after buying brand new car does the insurance consider it not new any more?

It is important to understand the various Pennsylvania auto insurance laws. Why? Because understanding these laws may just end up keeping you safe and saving you some money! Laws regarding car insurance change greatly depending on the state you live in. Some places have very straight forward or even practically non-existent laws, while others have more complicated and detailed laws. No matter where you live it is essential to know certain laws regarding auto insurance if you own a car. The state of Pennsylvania is no exception. There are, in fact, 5 car insurance laws in PA that you need to know.

Law #1 – PA’s Minimum Requirements For Car Insurance

The state of Pennsylvania mandates that you carry minimum liability limits of $15,000 per person bodily injury, $30,000 per accident total bodily injury and $5,000 per accident property damage. It also requires you to carry $5,000 in medical expenses coverage. These limits are extremely low and not satisfactory protection for most people when involved in a serious accident.

Law #2 – PA Is A No-Fault Auto Insurance State – Sort Of

You need to choose if you will have a limited tort or full tort option on your PA car insurance policy. Choosing full tort gives you better coverage if you are hurt in an accident. Limited tort is less expensive but it prevents you from receiving compensation for pain and suffering by limiting your right to sue the other party.

Law # 3 – There Are Hefty Penalties For Not Having PA Car Insurance

If you are caught driving without liability car insurance in the state of Pennsylvania, you will get a 90-day suspension of your license and several fines and fees.

Law # 4 – Pennsylvania Has An Assigned Risk Plan

In Pennsylvania, there is an assigned risk plan that ensures everyone can get auto insurance, no matter how high-risk they are. If you have been refused coverage, cancelled, or are having trouble getting coverage, you may want to check into it.

Law # 5 – You Can Stack Uninsured Motorist Coverage For Extra Protection

If you have more than one vehicle on a policy, you can stack the UM coverage on them for an additional premium and get additional protection.

Compare Pennsylvania Car Insurance Policies

Now that you are familiar with these 5 PA car insurance laws, you are well prepared to start shopping around for your car insurance needs. Use a free online quote tool, and you can compare top companies that are ready to offer you the coverage you need.

By: James J. Robinson

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Bruce T asked:


In most states, the car insurance company can be sued only for the cost of the repair (of a car involved in a car accident) where they refused to pay on a claim. Thanks for your help.
I am in California so I am most interested in this question as it pertains to Calif.
I am in California so I am most interested in this question as it pertains to Calif.