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?

Read the rest of this entry »

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.

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 »

Tags: automobile car insurance, Automobile Insurance, automobile insurance agents, automobile insurance co, automobile insurance companies, automobile insurance company, automobile insurance comparison, automobile insurance comparisons, automobile insurance coverage, automobile insurance in, automobile insurance law, automobile insurance online, automobile insurance Ontario, automobile insurance plan, automobile insurance policy, automobile insurance quote, automobile insurance quotes, automobile insurance rate, automobile insurance rates, automobile insurance ratings, automobile liability insurance, california automobile insurance, florida automobile insurance, insurance for automobile, new jersey automobile insurance, nj automobile insurance, personal automobile insurance, texas automobile insurance.