Automobile Insurance: Automobile Insurance Quotes & Automobile Insurance Companies

Do people with red cars really get more speeding tickets than those with blue cars?

Do automobile insurance companies use the color of your car to determine your rates? Do certain colors increase your chance of an accident?

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Tags: What Does Car Color Say About Your Personality and Automobile Insurance Premiums.

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.

Most people complain about the cost of their automobile insurance – hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?  

If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on automobile insurance: Read the rest of this entry »

Tags: 10+ Tips to Save on Automobile Insurance.

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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