Automobile Insurance: Automobile Insurance Quotes & Automobile Insurance Companies

The color of my car determines my automobile insurance rate. My credit score has no bearing on my insurance premium. I have automobile insurance coverage so my new car is already covered… right?
 

Maybe not! Below is a list of fallacies many car owners believe and drive by each day. The truth just might make you change course.

Myth #10 “No-fault insurance means it’s not my fault!”
False. No-fault insurance means that your insurance company pays for your damages regardless of who’s at fault.

Myth #9 “The color of my car affects my insurance rate.”
False. The color of your car does not impact your automobile insurance rate. What does influence your rate is your vehicle’s year, make, model, body type, and engine size, along with your credit history and driving record. Read the rest of this entry »

Tags: Top 10 Automobile Insurance Myths.

You probably know that lenders use information in your credit report to determine if they’ll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or automobile insurance coverage and help determine what premium you’ll pay. Read the rest of this entry »

Tags: My Credit Affects My Automobile Insurance Rate.

If you drive, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you’re innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, automobile insurance is there to protect you.

Why buy automobile insurance?

1.) Automobile insurance protects you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft, vandalism, or natural disasters.

2.) All states require you to purchase at least a minimum amount of liability coverage. Other types of automobile insurance coverage may be optional or required, depending on state regulations. Read the rest of this entry »

Tags: Automobile Insurance Basics, Automobile Insurance Tips.

Should I purchase car rental insurance? This is one of the most common question everyone asks, and nobody seems to definately know. Do I need to buy the insurance, or does my insurance company cover me?

If you have liability insurance, you are covered, but only for liability. Liability insurance basically covers the driver and not the car. If you have liability insurance, (which is required by law) then you are covered in whatever car you drive, as long as it is a rare occurance, and not part of a routine. A rental car is no different, your insurance company will cover any damages you cause to anyone else (property and injur), up to your limit.

However, your other coverage options will probably not transfer (collision, comprehensive) so any damage to the you cause to the rental car is your responsibility. Even if you have collision and comprhensive insurance in your policy, these coverages are specific to the car, so they will not transfer to your rental car, and it will not be covered. Read the rest of this entry »

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