Automobile Insurance: Automobile Insurance Quotes & Automobile Insurance Companies

When it comes to automobile insurance rates, who you are determines what you pay.Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your automobile insurance rates:  Read the rest of this entry »

Tags: Cheap Automobile Insurance: Factors that Affect Your Automobile Insurance Rates.

Laptop, book money, bean bag chair, TV with DVD player, iPod, cell phone, shower tote and debit card—sounds like your college-bound teen is all set to start school! But are they ready to handle the responsibilities of driving on campus? Sure your teen driver knows how to navigate around your home town, but going to college means driving in an unfamiliar territory—one with more pedestrians, new distractions and new destinations. Automobile Insurance and Driving Tips for College-Bound Students and young drivers.

To help make the driving adjustment easier for your teen, we’ve listed some helpful tips for you and your child to consider as they go off to school. Read the rest of this entry »

Tags: Automobile Insurance and Driving Tips for College Students.

Between gas prices and the economy, American drivers are having trouble deciding what autos to buy. Many people are exploring alternatives, from bikes, to buses, to biofuels. One auto alternative is hybrid cars. What exactly is a hybrid and how could it lower your automobile insurance quotes?

Gas Mileage and Automobile Insurance. The reason most people want a hybrid is because of the great gas mileage they can get. How is this possible? Technology for hybrid autos varies, but higher fuel efficiency is usually accomplished with an electric motor. Batteries store energy recovered during braking and supply that energy back to the electric motor, cutting down on the amount of gas used. A 2008 Toyota Prius, for example, gets an EPA estimated 46 MPG for combined use, while a 2008 Honda Civic Hybrid gets an EPA combined rating of 42 MPG. Read the rest of this entry »

Tags: Save on Automobile Insurance With a Hybrid.

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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