Car Insurance Basics

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What factors affect car insurance rates?Post

What factors affect car insurance rates?

Many people are complacent when choosing car insurance. They renew their insurance every time without determining if it is the best rate for their situation. Today, however, comparing auto insurance rates is simple if you use the right tools. Before purchasing or renewing an auto insurance policy, use our FREE online price comparison tool to...

Many people are complacent when choosing car insurance. They...

How do you find out if a car has insurance?Post

How do you find out if a car has insurance?

Sometimes it becomes necessary to find out if a car has insurance. You may be driving a car that belongs to someone else, trying out a new car that you are considering purchasing, or be in some other situation that requires you to know a car’s history. Your state DMV office is a good place...

Sometimes it becomes necessary to find out if a car has insu...

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Do you need your license to get car insurance?Post

Do you need your license to get car insurance?

Obtaining auto insurance is a fairly easy process. As long as you have a driver’s license and a clean driving record, you should have no problem securing insurance for your vehicle. If you don’t have a driver’s license, however, there are very limited instances where you can get insurance. Enter your zip code above to...

Obtaining auto insurance is a fairly easy process. As long a...

How is a car insurance premium calculated?Post

How is a car insurance premium calculated?

When shopping for car insurance, one thing you will want to know is how a car insurance premium is calculated. Knowing this information will help you to predict what your premium will be. There are several factors that go into the calculation of an insurance premium. Enter your zip code above for FREE car insurance...

When shopping for car insurance, one thing you will want to ...

When should I remove collision from my car insurance?Post

When should I remove collision from my car insurance?

Collision coverage is often used when your car is involved in an accident with an object in the road or another driver. In these situations, your collision coverage can help to get your car repaired and working like before. There are good reasons to keep collision coverage active on your policy. Enter your zip code...

Collision coverage is often used when your car is involved i...

What year did it become mandatory to have car insurance?Post

What year did it become mandatory to have car insurance?

In 1897, an Ohio resident purchased an insurance policy. It was written for his horse and carriage and extended to include his automobile and would cover damages to another person’s property or their injuries. The early years of auto insurance focused on the liability end, but this changed in 1902 when a fire and theft...

In 1897, an Ohio resident purchased an insurance policy. It ...

Do car insurance payments help credit?Post

Do car insurance payments help credit?

When you finance a car, your credit score will have an effect on how much car insurance you can afford. If you have a poor credit history, the lender may limit your purchase options and increase your interest rates. A poor credit history can also affect how much you’ll pay for insurance on the vehicle...

When you finance a car, your credit score will have an effec...

Does having a child affect your car insurance?Post

Does having a child affect your car insurance?

Having a baby changes virtually every aspect of your life. You know that your life will revolve around sleepless nights and diapers for the next couple years, but did you know that everything down to your auto insurance will be affected? With a new baby in the home, it’s important to review your insurance, but...

Having a baby changes virtually every aspect of your life. Y...

How do multi-car insurance policies work?Post

How do multi-car insurance policies work?

When you’re shopping for auto insurance, your mission is to find the lowest rates for the most comprehensive coverage. One way to find low rates is to qualify for discounts. By combining your auto insurance on all of your private passenger cars with the same carrier, you can reduce your premiums by qualifying for the...

When you’re shopping for auto insurance, your mission ...

Do you need insurance to register a car?Post

Do you need insurance to register a car?

When you buy a car, it’s your responsibility to register the car in your name as soon as possible. One of the benefits of buying a car through a car dealer is that the dealership generally transfers the registration for you. This courtesy will save you a trip to the Department of Motor Vehicles. If...

When you buy a car, it’s your responsibility to regist...

Do you pay car insurance monthly or yearly?Post

Do you pay car insurance monthly or yearly?

As you shop around for a new car insurance policy, it’s important to plan ahead to ensure you will be able to cover the cost of your premium. Most insurance companies will allow you to pay the full amount up front, for either a 6 month or 12 month coverage period. Enter your zip code...

As you shop around for a new car insurance policy, it’s im...

How does car insurance work with a leased vehicle?Post

How does car insurance work with a leased vehicle?

A leased vehicle is quite arguably the type of vehicle that needs the most insurance coverage when compared to vehicles that are owned or financed. If you need to find lower rates for your car insurance premium, try using an online price comparison tool. These tools have helped many leasing drivers save time and money...

A leased vehicle is quite arguably the type of vehicle that ...

How does insurance work when you buy a new car?Post

How does insurance work when you buy a new car?

The car buying process can be a stressful one. No matter how prepared you think you are for the process, it’s easy to forget the small details that can drag the experience out longer than any car buyer wants. One small yet very important detail that many people overlook is insurance. It’s your responsibility as...

The car buying process can be a stressful one. No matter how...

How does gap insurance work if car is stolen?Post

How does gap insurance work if car is stolen?

Many people who are shopping for auto insurance consider purchasing what is known as gap insurance. Gap insurance was designed to pay for damages that the insurance does not cover. It is convenient to carry this type of insurance because it allows you to know that your damages will be paid for, even if your...

Many people who are shopping for auto insurance consider pur...

How do car insurance agents make money?Post

How do car insurance agents make money?

Insurance agents commonly make money through different revenue flows, including a base salary, commission from policies sold and residual revenue from policy renewals or customers referrals. Although many agents make money through these different revenue streams, it should not be surprising that there may be a tremendous difference in the amount one agent makes compared...

Insurance agents commonly make money through different reven...

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What is the average cost to repair a car?

Were you in an accident recently? Have you recently had to ask, “How much does it cost to repair a car?” As you look around for estimates, you may be anxious about the cost of repairs.  Some repairs can cost $500 after an accident. As you may have already guessed, some car accidents produce more...

Were you in an accident recently? Have you recently had to a...

How do I move car insurance to another state?Post

How do I move car insurance to another state?

Moving car insurance between states is fairly easy, but there are steps you need to take to avoid any lapse in coverage and maintain affordable premiums. First, you need to notify your car insurance carrier before moving and inquire about their policy offering in your new home state. If they are licensed in your new...

Moving car insurance between states is fairly easy, but ther...

What car insurance companies have the biggest market share?Post

What car insurance companies have the biggest market share?

Over 50 percent of the market share in the car insurance industry is controlled by a handful of companies. According to A.M. Best, the top half of all policy coverage is issued by six car insurance companies. While market share alone doesn’t mean these providers are the best, it does mean they write the most...

Over 50 percent of the market share in the car insurance ind...

Who qualifies as a good driver?Post

Who qualifies as a good driver?

Many different classifications qualify someone as a good driver. Young drivers are not considered good drivers because they do not have enough experience behind the wheel. It’s important to remember that while some people may consider a person to be a good driver car insurance companies often have a different perspective based on collective data...

Many different classifications qualify someone as a good dri...

What is pay as you go car insurance?Post

What is pay as you go car insurance?

Car insurance rates can vary dramatically depending on the coverage chosen for the policy however drivers may be able to decrease their premiums significantly with pay-as-you-go car insurance. Auto insurance companies have begun to focus their advertising on showcasing their specific discounted rates and some providers have introduced a “pay as you go” policy. Enter your...

Car insurance rates can vary dramatically depending on the c...

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