Posts Tagged ‘Insurance Limits’

Should You Buy Auto Insurance On The Internet

Published by author on May 26th, 2009 - in Need auto insurance

Reader’s Question:

I know that the Internet offers a lot of things and that even includes purchasing my auto insurance from the Web. I need help about getting my insurance policy from the Internet. Can you help?

Annie

Sacramento, CA

Sure Annie! Buying your auto insurance from the Internet is very easy. You just need to have a computer plus an Internet access and voila you have your insurance policy!

Getting your insurance policy online can be pretty easy but you must remember to make sure you’re getting the right thing. I know you’re looking for an insurance deal that can meet your demands at a very reasonable price. That’s why you should make sure that before buying your auto insurance online, you know the required auto insurance limits in your state and what you really need.

If you have those, then it’s time to determine on your budget. How much are you willing to spend on your auto insurance?

Now, consider your deductibles. This, by the way, is the amount that you’re supposed to pay as part of your insurance claims. This affects your auto insurance premiums in the way that the higher your deductible the lower your insurance rates and vice-versa.

If you’ve decided on your deductibles, it’s time to visit auto insurance websites. Normally, you’ll get several insurance quotes by just visiting a single insurance website. You’ll be asked for basic information like zip code, name, age, birth date, etc. Once you’ve given those information, you’ll receive your auto insurance quotes from different insurers.

And it’s time to compare the best insurance quote that you got. Make sure to compare carefully – this not only including price alone but also coverages, terms and conditions, and benefits. Also, it’s important to make sure that you’re getting your insurance policy from a reputable auto insurance provider.

If you’ve already chosen the best auto insurance policy that you’ve found, it’s time to purchase your insurance policy. Complete the transaction by following the instruction you see on the web. Then you can have the copy of your insurance policy be sent to you right away either through email or fax.

See, that’s how easy you can purchase your online auto insurance. Start getting your online insurance quotes by visiting the websites now. Enjoy shopping!

Question About Car Insurance Rate

Published by author on May 19th, 2009 - in Need auto insurance

Reader’s Question:

What will happen if my friend drives my car and get citation for DUI, will that increase my car insurance rate?

Harry

Phoenix AZ

If your friend was given a citation for driving under the influence while operating your vehicle it should not affect your auto insurance in any way. Your friend will get the citation written under his name and and it should not reflect on the vehicle owner’s driving record or car insurance. This means that it will reflect in their driving record as a driver and should not cause you any trouble in your auto insurance rate going up.

Even so, for instance, your friend gets involved in an accident while driving your automobile, the insurance claims will therefore go on your insurance claims record and may affect your insurance rate. Car insurance commonly follows the vehicle first and the driver the second. This means that if your friend get into an accident, it would be your insurance that would kick in first and your friends insurance would be the secondary and would cover the excess if your coverage limits were exceeded.

As the owner of the vehicle, you have liability for those you give permission to drive your vehicle so if the insurance limits were exceeded, then normally, in most sates, the one driving the car and the owner of the vehicle are both liable for all the damages that the motorist may cause while driving the automobile.

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