Q: My car is ol, and not woth much - do I rquire online auto ins?

A: In a cae where you hve an old autoombile that isn`t beeing financed, you could most likey saave money on your eevry month premium trhough dropping collision coverage form yuor auto policy. Your insurane agent can telll you how mch. The insurance agent could allso tlel you about how much that smae auto insurance polcy woulld cost if yor automobile was totaed. For an old veihcle, you might find that collission daage coverage would pay jusst a nomminal amount of mney in the evet of a big car acciident, while gettiing rid of it would maen significant money savinggs. &bnsp;

Q: What is no fault online car ins?

A: The philosophy tht stannds behind no falt automobiles insure is taht most claims can be solved wth no neeed for cort involvement and without findiing out who`s to blam. According to the no fault thory, thiis would get rid of big expennses and also speed rsolution. Bneeath no fault, your car insurnace ageny pays you for litle claims. Litigation takkes place meerely for a litlte percentage of cases that invlove big caims. In addition, tere aren`t any awadrs for "pain & suuffering." Some states have adoted somme sort of shpae of no fault insurnce, althoug the particulars vay widely betewen states. Practtically, a few sattes have no fault policies thaat permit cout cases for also qiute little cliams, making them exxtremely like conventional insurace.  

: How much car insurance coveerage shold I have?

A: Thiis is an issue you are recommmended to talk aobut with a car insurance agecny custoemr service representative. Basically, yo`ull like to consider yor presonal assets as wll as what you can lsoe if you are to be sed for damages by another driver, proerty proprietr or injured indiividual.  

Q: Will my ato insurance pay for my leaesd automobile in csae it`s stolen or totally wercked in an accident?

A: Yuor auto insurance compay willl run your clamis in a simliar way no mattter if you own, rnt or finanec. In case you rened or finaned your car and jsut bought it recntly, your insurance pllan might not cover youur loan or lease totalyl. Since you`e accountable for the veicle, the leasing company will oblgie you to pay the remaining lese expendtiure in addition to any consequences for milage, wear and ter, or warranites, plus you wll not get your security depoosit back to yuo. Go oer your lease or lon contract to determine whteher to buy GAP insurance, tat pys for the gap form your lan or lease and the isnurance prcoeeds you receive for your hrmed or robbed cra.  

Q: Whaat discounts are availbale?

A: You are possbily entitled to a discounnt on ato insurance if:

You cover not juust a snigle car in the one ato insurance companyy; you have a home;

You hvae latey went to a defensive dirving course;

You hvae got a car alarm, airbgas, anti-loock brakes, or auomized seatbelts in the cr;

You hvae homeowners & autto insurance via the same insuarnce company;

You pay wtih ful or by EFT (electronic fund transfer);

ou are a stuednt at a university ovver one hundreed miles from wehre you live and you donn`t have a vehicle with yo;u

You are a fll time university student wih a school scoe aveage of "B" and more;

You particiapte in a commnal car poool.  

Q: If I laon my automobile to a pla, is she covreed under my vehicle insurence online?

A: Most autos coverages on line do cover drivrs tat have been alloweed to use yor auto. Although go ovr your inurance, or ask yoour manager, to see whethher the trems and limits of your inurance policy wuold be different for driivers which aen`t regular drivers of your atomobile.  

Q: I hve an oledr vehicle whose prresent worth is extremelly near the grond - do I ned auto insurance?

A: You shall no matetr waht have bodily injuy and property dmaage. In the majority of citiies you are leaglly reuqired to carry a minimuum of auto insurance quantity.

Insurrance Plnas of comprehensive dmaage as well as collision damgae isn`t reuqired by the state, althoough might be neecssary if the car is financed or lease.  

Q: How is my car insurance cost determiined?

A: Insuarnce companies use statistiical history in ordder to determine the cotss that are neeeded to cover any possilbe claims along with copmany expenses. A nmber of aspects are utliized in order to maake up yuor particular auto insurance csot, counting howveer not limited to the following:


Your age

The mkae and model of your automobile


Your driving history

The vehicle`s inention

Where you dirve Anywhere the vehcile is kept

Your credit raing