CAR INSURANCE QUOTES
Car Insurance Quotes - find the best coverage at the best price
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If you are like most people you are looking for the best possible car insurance quotes at the lowest possible price. Car Insurance is insurance that can be purchased for cars, trucks, motorcycles, etc., to protect against losses due to car accidents. In many areas, drivers must be adequately insured to be a legal driver. If you drive without car insurance you may face stiff fines as well as your car being impounded. And you are also financially responsible in the event of an automobile accident, for all costs, both medical as well as for the vehicle or other property. For a relatively low cost in most instances, it would be better to purchase insurance than to take a chance without it. Some of the top companies in the U.S. for purchasing auto insurance policies are Progressive, Geico, Esurance, State Farm, USAA, 21st Century Insurance, and Allstate.
There are several different things to consider when purchasing car insurance. In most areas, the bare minimum requirement for coverage is Liability and Personal Injury Protection. Both types of coverage are favorable to the other party, with little, if any, coverage to protect yourself against loss. Therefore, the more you know about the different types of coverage, the better off you will be. Following is a brief description of the various types of coverage available for you and your car.
Liability Insurance: Covers vehicle losses of the driver not at fault in the accident. Also covers property loss if your accident involves non-vehicular obstacles such as a tree, telephone pole, or a building.
Personal Injury Protection: covers medical expenses and lost wages as a result of an automobile accident. Will cover the at-fault driver as well.
Note: The above types of coverage are mandatory in most areas as the minimum requirement to be able to drive legally.
In addition, the following coverages are available for your consideration:
Collision coverage: Covers the cost of repairing a car damaged in an accident, or purchasing a new one if the damage is excessive. This also covers your car if you are at fault.
Comprehensive coverage: Covers the cost of replacing your car if it is stolen or destroyed in a fire. This coverage is not necessary in case of accident, but very good to have if you drive a car that would be expensive to replace in the event of theft or fire.
Note: If your car is not paid for, the title holder will require that you carry collision and comprehensive coverage.
Medical Payment: Additional coverage should medical costs be more than your personal injury protection limit. With higher medical costs today, we recommend considering adding this to your policy.
Gap Insurance: If you are driving a newer or unpaid for car, consider adding this coverage to your policy. This protects you against loss should your car be valued at less than what you owe on it. If you owe $6,000 on your loan and the insurance pays you $5,000, the difference will have to be paid by you to the title holder.
Uninsured Motorist: Extra coverage for you should a driver who is uninsured cause an accident which damages your vehicle, yourself or other occupants of your car. Not a bad idea to have this coverage. Even though insurance is mandatory in most areas, there are still some who drive anyway. They are generally unable to afford the insurance, so chances of your recovering your losses from them are slim to none.
How much car insurance will cost you is determined by many factors. Your age, gender, marital status, where you live, driving violations and accidents, what kind of car you drive, occupation, and even your credit rating play a part in determining insurance costs. Additionally, your driving experience, how many miles you drive a year, distance to work, and whether you are currently insured, will also be considered.
If you are in the market for car insurance, do some comparison shopping and ask your friends if they are happy with their insurance company and policy. It's your money, you'll want the best coverage for your buck.
All types of businesses need fortification of insurance to be secured against certain hazards. Business by its nature have greater proposition of financial risks, so for ensuring the profitability and growth of business, basic financial safeguards are must. Nowadays the highest risk in businesses is credit card security and for minimizing the footfalls of this risk credit card insurance is the ultimate solution. Companies which provide business insurance also offer good packages of personal insurances for proprietors. Especially the disability insurance is considered the must get opportunity. Travel insurance is the other option that shouldn't cost a fortune either for proprietors or the entire business. |