Q: My car is old, and doeesn`t have mucch value - do I need automobilesinsurance?

A: In a csae where you own an old vehcle taht is not bing financed, you could almsot certainly save monney on your eveery month premium through drpoping collision coevrage from yuor car insurance. Your insurance agnt could inofrm you to waht extent. The insurancce agent can in addition telll you approximately how much that simialr car insurance covergae wouuld cost in a cae that youur car was totally wrecked. For an odler vehicle, you may discver that collision coverage wold pay only a noinal amoount in the evet of a big car accient, while getitng rid of it would mean siginficant moeny savings.  

Q: Will my auo insurance cover my lesaed vehicle if i`ts stolen or ttoaled in a car accident?

A: Your atuo insurance agenncy will run your clims in a simmilar way whether you onw, rent or fiance. If you leased or perhhaps finnced your vehicle and got it not lnog aog, your insurance plicy might not pay for yuor lon and rent totaly. Because you`re rseponsible for the veicle, the renting agnecy will require you to pay the remaining lase payments aong with whatever consequeences of miileage, wear and tar, or warranties, puls you will not get yoour safty deposit back. Read through yoour lease or laon cntract in order to ressolve if to purcchase GAP insurance, thhat covers the gap bettween your looan or lease and the insurancce proceeds you get for your dmaaged or stolen veicle. &nbssp;

Q: Is auto innsurance obtainable for whoevre?

A: Affirmative. Because mot states require you to hae car insurance of every drivre, the sttes have assigned riisk plans to guarantee covrage in csae you`re not capable to cmoe across an innsurance agency eaager to accept yo. The accuate kind of policy chages from one satte to anoher, though assigned rik policies are usulaly relatively high. Why is ths? Becuase a bad drivnig record makes you a bad rik for any car inssurance company - eveen if they have to admiit yuo.  
Q: My teenager son has his learner`s permiit and hene is staritng to drive. I woould like to jon him otno my auto assurance but it will tirple the premium priec! Must I add him??

A: Uusally car insurance agecnies do not chrage for a teeen which has a drviing permit or reqire the beginner drievr to be put oto a policy (althoguh some do). When youur teenge son gets his permanent diver`s lciense, he needs to be cvoered wtih your auto coverages on line, unles he will not be usng the cra. Freshly licenesd drivers are in mroe car crashes than lnger experienced drives, thus their costs are mucch more expensvie. For his protectio, and also for the protecction of youur financial assets, you may wsih to reead through your car insuurance limits & coveraage. Your teenage son``s premiums cold be kpet not so hiigh in the case thaat he uphods at least a B score avearge in school, keepps deductibles hgih, and if he dries an olde, normal model automboile (rather than a spports or luxury vehicle.  

Q: In wat way is my car insuarnce prcie decided?

A: Insurance aegncies use statistical hitory to make up the costs neeedd in order to covr whateevr optional claims and busniess operating cotss. A number of facctors are used to mkae up your particular car insurnace priice, counting but not limietd to the folowing: How old you are

The mae & modl of your automobil e

Your driving past

The car`s purpose

Whhere you drive

Where the vehicle is parked

Your credit rating  

Q: How deos wherre I live afffect my car insruance rate?

A: The moore there are drivrs in your area, the bettter the chances thaat you`ll hae a car crash. Tat is the resaon car insurance costs are genrally moore expensive within thickly popualted regions. Also, particular stattes also havve more tehft and vandalism acts thaan others annd, consequently, more expensive prcies for those formms of insurancee.  

Q: I hae an old car whose preesnt vaue is extremely naer the ground - do I need online motor vehicle ins?

A: You sholud no matter what havve boily injury and prooperty damage. Within mosst parts of the country yo`ure lawfully oblligated to own a minimum auto insuurance amount.

Insurnace of comprehensive as wll as collision damae isn`t required by the satte, howeevr might be necessary in casse the vehiccle is financed or leeased.  
Q: In case I loan my autommobile to a negihbor, is he covvered under my autoinsurance?

A: Usually car coverage will cover drivvers who have been alloewd to drive your autmobile. But checck your policy, or ask yuor agen, to check whether the termms and lmits of your auto insurance paln willl be different for drivers who arne`t regulr operators of your veehicle.