Look for Affordable Car Insurance - Free Online Quotes
by Stacy Fox
If you want to look for affordable car insurance, use free online quotes.
How you use these calculators depends on whether you are looking for rock bottom prices on liability only insurance or whether you need a more sophisticated policy.
Your state probably requires some level of liability insurance. If you don't have this insurance and you get into an accident, you can lose your license - sometimes for up to a year. Imagine the impact that would have on your personal and working life. But, you should know that liability insurance protects only the other vehicle and not your own. Liability only insurance is the cheapest kind.
Liability insurance is most appropriate for those with older cars or who can afford to financially handle the expense of repairing any damage done to their own vehicles. You can use a four field calculator to come up with the lowest price insurance if all you want is liability insurance. You will find the prices for several different companies this way.
But, if you want to cover your car as well as comply with state laws, you are going to need a more sophisticated tool. You need something that takes multiple factors into account.
For instance, what kind of medical protection do you want for the other car? The law requires that you carry $15,000 in liability insurance for one injured party. But, if the damages go over that amount, you are personally liable. So, if you have assets to protect, you'll want higher liability insurance.
If you have additional drivers in the home - particularly if they are under 21 or over 65, simple calculators won't give you the best deal.
If you have a relatively unique situation, even the most sophisticated online calculators may not work for you. In this case, you should turn to a regular broker.
Your own insurance situation will determine whether you use a simple calculator, a more sophisticated tool or a regular broker. That's what to look for in car insurance free online quotes.
Look for Affordable Car Insurance - Free Online Quotes and other useful information about car insurance at http://AutoLiabilityInsurance.org This and other unique content Look for Affordable Car Insurance Free Online Quotes articles are available with free reprint rights.
Tuesday, December 1, 2009
Car Insurance in California - Liability for Additional Drivers
Car Insurance in California - Liability for Additional Drivers
by Stacy Fox
In the state of California, you must have auto liability insurance. That applies to every driver in your household. If someone who lives in your house drives your car and gets into an accident, the insurance company will not pay the claim unless they have insurance.
There is a minimum level of coverage required in California. Liability insurance must pay $15,000 in medical damages if one person in the other car is hurt and $30,000 for two or more injuries. The insurance must also pay for $5000 in property damage including the repair of the car. Keep in mind that these figures apply only to the other car. Liability insurance does not cover damage done to your own vehicle.
Additionally, you should know that if you do not have liability insurance, the California Department of Motor Vehicles will suspend your license for a year. You will also be personally liable for any injury or damage done to the other car if you get in an accident.
Sometimes people in the household have their own car and insurance. In this case, you don't have to put them on yours. But, if they get into an accident using your car, their insurance policy will be the one covering the damage, not yours.
Additional driver insurance covers only your car or cars. The covered person has no protection when they drive other people's cars.
Your insurance premiums will go up when you add an additional driver to your policy. The amount of the increase depends on several factors including the age of the driver, their driving record, and increasingly their credit score.
Many parents are shocked to find out that adding a teen to their insurance skyrockets the cost, though good grades can help with the price. If the person has one or more claims, the insurance will also be high. And, insurance companies are starting to look at credit scores as a mark of how responsible a person is, and thus the risk they take in insuring them.
Every person in the household should be covered by liability insurance. It can be yours or their own. But, if you don't make sure that this occurs, lending your car to a relative or roommate could turn out to be more expensive than you ever realized.
If you are looking for Car Insurance Resources you should check out my site where you will find news and information about many topics including Car Insurance California Liability Additional Driver You can get a unique content version of this article.
by Stacy Fox
In the state of California, you must have auto liability insurance. That applies to every driver in your household. If someone who lives in your house drives your car and gets into an accident, the insurance company will not pay the claim unless they have insurance.
There is a minimum level of coverage required in California. Liability insurance must pay $15,000 in medical damages if one person in the other car is hurt and $30,000 for two or more injuries. The insurance must also pay for $5000 in property damage including the repair of the car. Keep in mind that these figures apply only to the other car. Liability insurance does not cover damage done to your own vehicle.
Additionally, you should know that if you do not have liability insurance, the California Department of Motor Vehicles will suspend your license for a year. You will also be personally liable for any injury or damage done to the other car if you get in an accident.
Sometimes people in the household have their own car and insurance. In this case, you don't have to put them on yours. But, if they get into an accident using your car, their insurance policy will be the one covering the damage, not yours.
Additional driver insurance covers only your car or cars. The covered person has no protection when they drive other people's cars.
Your insurance premiums will go up when you add an additional driver to your policy. The amount of the increase depends on several factors including the age of the driver, their driving record, and increasingly their credit score.
Many parents are shocked to find out that adding a teen to their insurance skyrockets the cost, though good grades can help with the price. If the person has one or more claims, the insurance will also be high. And, insurance companies are starting to look at credit scores as a mark of how responsible a person is, and thus the risk they take in insuring them.
Every person in the household should be covered by liability insurance. It can be yours or their own. But, if you don't make sure that this occurs, lending your car to a relative or roommate could turn out to be more expensive than you ever realized.
If you are looking for Car Insurance Resources you should check out my site where you will find news and information about many topics including Car Insurance California Liability Additional Driver You can get a unique content version of this article.
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