TOP THREE COMMONLY ASKED QUESTION ABOUT AUTO INSURANCE


We have listed three of the most commonly asked questions inquired by customers concerning auto insurance. Read the list and be informed on how to choose the best auto insurance policy for your needs.


What should I do if I intend to switch car insurance company?

You are at liberty to change your car insurance provider anytime within the year, but to guarantee you won’t need to pay any penalty then you have to do this within thirty (30) days after your receipt of new invoice for the renewal of your policy. If you choose to make the switch beyond this time limit, then you may be deemed liable by the insurance provider to pay the declared penalty in your policy.


How Do I Process My Auto Insurance Claims?

The processing of auto insurance claims is typically completed within 15 days; however, ...


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WHEN IS UNINISURED MOTORIST COVERAGE NEEDED?


This may not be your first time to hear about uninsured motorist coverage; however, do you know the benefits it will bring you? Do you know if it is worth your money at all?


Uninsured motorist coverage is important in cases wherein the expense incurred by the incident against the other party is more than what is listed in his coverage. If you purchased uninsured motorist coverage then the remainder of the difference will be covered by your policy provider according to the limits set by your policy. It will also save you from financial trouble during hit-and-run incidents, which happens in every one out of eight vehicular accidents.


However it is worthy to note, that uninsured motorist coverage does not extend to collision or personal injury types of policy coverage. It will only protect you from negligent and irresponsible drivers who fail to ...


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TOP QUESTIONS YOU SHOULD ASK YOUR CAR INSURANCE AGENT


Making a switch from your current car insurance provider is a tough one. You have to be certain the new provider you chooses offers better services at an affordable rate; otherwise, it will be a complete waste of money, effort, and opportunity to create a harmonious relationship with your auto insurance company.


What is included in my car insurance coverage?

It is important that customers wishing to purchase car insurance policies are made aware of the coverage contained in it. It is your right to know what you are buying from them, so take time to understand the details of the services they will provide in exchange for the premium you will pay.


How much will I pay if I encounter an accident?

You do not wish to encounter any accident, but in case you do then it is better if you ...


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ARE MY PETS COVERED BY MY CAR INSURANCE POLICY?


We all love our pets and the idea of it not being covered by your car insurance policy is quite disturbing. We know how expensive pet treatment and care are in this world and if they are not part of the recipients of your auto insurance policy then you should think twice in bringing them with you in your leisure and business trips.


Personal Injury Protection Insurance

Pets will not be part of your general auto insurance coverage. For it to be included, it is important that you purchase a personal injury protection insurance coverage because it extends to all of your properties, including your pet. Do not try to argue with the insurance agent for classifying your pet as a property rather than a family member, because that is how insurance providers classify them. It is better if you will look for a perfect auto ...


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ARE MY PETS COVERED BY MY CAR INSURANCE POLICY?


We all love our pets and the idea of it not being covered by your car insurance policy is quite disturbing. We know how expensive pet treatment and care are in this world and if they are not part of the recipients of your auto insurance policy then you should think twice in bringing them with you in your leisure and business trips.


Personal Injury Protection Insurance

Pets will not be part of your general auto insurance coverage. For it to be included, it is important that you purchase a personal injury protection insurance coverage because it extends to all of your properties, including your pet. Do not try to argue with the insurance agent for classifying your pet as a property rather than a family member, because that is how insurance providers classify them. It is better if you will look for a perfect auto ...


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SHOULD I INCLUDE ALL FAMILY MEMBERS IN MY CAR INSURANCE POLICY


Unless all of your family members are licensed to drive a vehicle, then it is not necessary for you to include all of them in your car insurance policy. At times, it may even be unfavorable, especially if one of your teens have too many demerits because he or she may be the cause for you to suffer from higher premium rates. Moreover, auto insurance providers may not consider him or her liable to become part of the packaged policy you intend to purchase because he is a high-risk driver.


Multi-Car Insurance

If you are blessed with several vehicles to drive, then it would do you better if you will choose a multi-car insurance. This guarantees all of the cars will be insured without the need to process too much paperwork. Moreover, the insurance provider may find it worthy to provide you a few helpful discounts.


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REDLINING IN THE AUTO INSURANCE INDUSTRY


If you are a low-income individual with poor credit scores or no credit scores at all, then there is a higher chance that your application with the insurance company for auto insurance policies would be declined. The insurance agent will not tell you upfront that it is because of your low-income rate, but it is most probably the reason behind your rejection.
 

The law states that insurance companies cannot decline anyone who wishes to have a car insurance policy, especially when it comes to the poor members of society. How do they reject you? They will offer a grossly overpriced insurance that is enough to dismay you. As a result, you are the one who will reject the offer.

Up to the present, car insurance companies will claim that redlining does not exist. They will argue that the rate of their policies is not influenced by the ...

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SEVEN FACTORS USED TO DETERMINE CAR INSURANCE RATES


Many are still baffled with the formula used in the calculation of car insurance rates. It is a long and complex system that is hard to crack. Nevertheless, analysis of the basic questions asked reveals seven factors, which helps determine the car insurance premium rate you need to pay.
 

Age

Younger drivers and seniors are more prone to accidents. The former owing it to lack of experience and gullibility while the latter owing it to physical incapacities. Thus, expect higher auto insurance rates for applicants under this bracket.
 

Gender

Women are generalized as safe drivers; therefore, given more leeway by auto insurance providers.
 

Marital Status

Married couples are considered more stable drivers in comparison to single men and women; thus, the cheaper car insurance deals.
 

Geographic Location

The denser the city is the more expensive your car insurance rate would be which is probably due to ...

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THINGS TO AVOID WHEN PURCHASING AUTO INSURANCE


First time purchase of auto insurance can be overwhelming. You wish to secure that your policy covers the minimum requirement of the state, yet you want to free yourself from future financial worries as well. If you are not properly guided with the elements you have to consider then you may end up buying unnecessary elements in your policy.
 

Never Purchase upon Receiving the First Quote

It is always better to shop around to have more choices. It may mean discussing your interested coverage rate over the phone a couple of times. Nevertheless, just consider this as part of the shopping experience because this is one of the ways you can shop for affordable policies.
 

Never Get Scammed by Your Insurance Agent

You may think it is best to stay with your current carrier because you have been with them for several years. That is probably true, ...

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TIPS WHEN BUYING AUTO INSURANCE ONLINE


Buying auto insurance online is one of the best things the cyber community has offered to the present generation. However, there are still a couple of things you should consider before deciding which among the list of insurance providers you will close a deal with. Take note of this information because you will probably need this to inquire more about the details of a particular car insurance package offered by these companies.
  • Annual and monthly rate for variety of car insurance coverage
  • The 1-800 number you need to dial for additional queries
  • The payment policy of the company
  • The discounts offered by the company
  • The consumer complaint ratio of the company provided by the Department of Insurance Web site
  • The A.M. Best and Standard and Poor ratings
Look closely into the details contained in these notes. Narrow down your search for the perfect company into three. Ask your friend's opinion and recommendations for additional ...

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