insurance questions answers
Questions about car insurance? Here are the top ten car insurance questions complete with answers.
Do I need car insurance to drive my car?
Yes, all states require you to have liability coverage, and some states require that you have coverage uninsured motorist insurance against losses from an accident caused by a safe, unsafe, or hit and run driver. Visit your state insurance department website to find out what your state's requirements are.
What is the minimum amount of insurance I need?
The minimum coverage in most states is the liability coverage. This includes:
* Liability for bodily injury paid for damages and legal fees if you are responsible in a car accident and other people are injured or killed.
* Property damage liability pays for repair or replace the other driver's car if you cause an accident.
What other coverage should I get?
* Collision coverage pays to repair or replace your vehicle when damaged in an accident.
* Comprehensive coverage pays to repair or replace your vehicle when damaged by fire, theft, vandalism or acts of nature.
* Coverage for personal injury protection pays medical expenses for you and your passengers in case that you are involved in an accident. It also pays medical expenses for you and your family when you are injured in another person's car or walk.
Where can I get a cheap car insurance?
The best way to get a cheap rate car insurance is to compare rates from different companies. Now there are Web sites for comparing sure where you can see the types of a number of companies for you to compare all rates and choose the best.
Some sites even have a chat line where you can get answers to any questions you may have an insurance expert. (See link below).
How can I lower my premium?
You can lower the premium by increasing your deductible. For example, reduced from $ 250 to $ 1,000 can save 15% to 50% on your annual payment.
What is a deductible?
A deductible is the amount you must pay a claim with your company insurance will pay.
What discounts are available?
Most insurance companies will give discounts for:
* Ensure both your car and your home with them.
* Install safety devices in your car such as antitheft devices and alarms.
* Have a good driving record of at least three years.
* Take an educational course for drivers.
My rating credit will affect my rate?
Yes, most car insurance companies now use your credit rating as a factor in the determining the rate of car insurance.
How do I know the company you choose is going to pay my claims?
You can check the financial rating of an insurance company, which measures its ability to pay claims in the AM Best website (ambest.com)
How do I know the company will take me a good service?
You can get the satisfaction of the insurance company customer scores in the JD Power and Associates on the Internet (jdpower.com).
Http: / / www.LowerRateQuotes.com Visit or click the link below to obtain car insurance quotes cheap top-rated companies and see how much can save. You can get more insurance question and answer section of their articles.
About the Author:
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on car insurance questions.
Article Source: ArticlesBase.com – Top Ten Car Insurance Questions and Answers
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