It's not easy to make decisions about auto insurance. We don't think much about insurance day to day, but when we need it becomes extremely important. The decisions you make about your car insurance may reward you or punish you some day. That's why it's important to have someone to go to with your auto insurance questions.
Let's look at some of the commonly asked car insurance questions and their answers.
* What are deductibles for car insurance? The deductible is the amount of money you (the policy holder) will have to pay in the event of a comprehensive or collision claim. After the deductible is met, the insurance company picks up the costs, up to your insurance maximum. Every policy has a deductible, but you can choose the amount of your deductible. The lower the deductible, the less expensive the insurance.
* What is comprehensive car insurance? Comprehensive auto insurance coverage covers perils other than collision. These perils could be acts of nature, vandalism, or other causes of damage specified in your policy.
* What is car insurance so high for teenagers? It's a fact; a driver between 16 and 19 years old is far more likely to have an accident than a motorist in any other age group. That's why your insurance rate goes up when you add a teenager to your policy.
* Is it cheaper to add a teenager to an existing policy or get a new one? That depends on the child's age, how license the teen has had a license, his or her driving record, etc. If you have several cars on your policy the rate may go up for all of them if you add your teenager. Ask your agent for a quote for both options.
* What are some ways to reduce car insurance rates? Avoid accidents. Don't get traffic tickets. Buy a cheaper car. Drive less. Use your garage. Take a driving class.
* When should you report an accident? Insurance companies suggest you file a claim as soon as possible. Your policy may specify how long you have before you risk losing compensation for your claim.
* What is the cheapest company for auto insurance? Well, that depends. Online auto insurance comparison sites allow you compare rates of different companies for the specific coverage you want. One company may be cheaper in a particular area of the country, while another may be cheaper for the specific type of coverage you want. It's important to compare rates before buying insurance if you want to get the best deal. But make sure you are comparing apples to apples so you get the coverage you need.
* Why is auto insurance needed? Here are four good reasons: Specific requirements vary by state, but it is the law in every state. Your insurance will pay for itself many times over if you have a claim. If you have a loan or a lease on your car, you must carry insurance. You'll be protected if you are the victim of an accident caused by someone without insurance.
Whatever your auto insurance questions, you can find answers at online insurance sites.
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Chris Robertson is a published author of Majon
International. All Rights Reserved. Copyright 2010 (Fri Jun 12 2009)
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