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When it is in to bad of shape to be werth the money it takes to pay the inc.
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What will happen to your current insurance policy if you transfer from a newer vehicle with full coverage to an older vehicle with basic coverage?
== == The cost of the monthly permiums should go DOWN, as the cost of replacement of the car, or repairs to it will be less expensive. Check with the insurance agent.
If you buy a new car on a weekend is your new car insured if you have insurance on the old one?
Replacement or Additional VehicleGenerally, if the vehicle replaces another vehicle already insured, it will have the same coverage as the one being replaced. However, for comp or collision to continue, you must notify the carrier/insurer within 30 days of acquiring the vehicle. If it is an ADDITIONAL vehicle (not replacing one already shown on the declarations page), you will automatically receive the broadest coverage currently on the policy for any vehicle listed in the declarations page. NOTE that that means if you have insured only vehicles that are older, with no outstanding loans, and you carry only Liability coverages for that vehicle, that is the only coverage this newer vehicle will have. The obvious problem with that is if you are in an accident and the new vehicle is damaged before you can contact your insurance company, there will be NO COVERAGE for the damages TO THIS NEW VEHICLE. MOST auto policies provide coverage for a 'new' (additional) or 'replacement' auto, when you already have the same coverage for the prior car. For example: Let's say I own a 2003 Honda. I purchase a 2006 Toyota on a Saturday afternoon, or for that matter, on a Wednesday morning. If I trade it in, the 'new' car will automatically have the same coverage as the vehicle I traded in, for up to 30 days.
Is it least expensive to insure a older car?
Only because you can get away with liability only on an older vehicle, which reduces your cost. You need full coverage on a newer vehicle. Rates are based off alot of different factors. Not only the type of car, but what city your in (crime, stolen vehicles). Sports vehicles can be higher. Even if you insure a vehicle that is reported stolen alot could make even an older car alittle more to insure. If you have a bad driving record or a teen driver could also cause an increase.
When would you not carry full coverage auto insurance?
If you own a car outright and have paid off loans used to buy it, you are no longer required to have full coverage insurance for it. At this point, it a personal choice. If your car has worth that you cannot afford to lose in the case of an at-fault collision or theft. On the other hand, if the vehicle is older or not worth so much, it may not be worth it to pay for full coverage insurance.
Does Ford have a breakdown assistance program?
"Yes, Ford Motors offers Roadside Assistance Coverage depending on the type of vehicle and the amount of miles (usually maxing out at 50,000 miles for vehicles older than 2006 and 70,000 miles for vehicles newer than 2007). They also have an Extended Service Plan if your current coverage has expired."
Cut Costs on Auto Insurance?
In order to lower your auto insurance rates, it is essential that you drop any policy that you do not need. Many people think that if they have a car, they absolutely need collision coverage at all times. The truth of the matter is that as long as you do not have a loan on your vehicle, you do not have to carry collision insurance. By getting rid of this type of coverage, you should be able to save yourself hundreds of dollars every year. This is why it sometimes pays to own an older car for yourself to drive in.
Protect Your Car with Collision Car Insurance?
Drivers are always looking for ways to save money, whether that means switching cars, insurance companies, changing coverage limits, or removing coverages altogether, like collision insurance. Although it cost less to have a policy that only covers liability, in an accident, it may cost more to pay out of pocket for vehicle repairs than for the insurance. Liability insurance only covers the other driver, but for consumers who want to protect their vehicle, collison coverage is necessary. Collision insurance covers the policyholder's vehicle in a collision. Without this coverage, the policyholder's vehicle cannot be repaired or replaced by the insurance company, but from their own pocket.Obtaining Collision CoverageColliison coverage is easy to obtain. Most companies offer this coverage, though some deny this coverage to vehicles that are too old. It is best to contact a licensed insurance representative to purchase collision coverage along with the state required liability coverages. The agent will recommend a deductible, which is what the policyholder must pay before the insurance company covers the loss. Some companies allow their insureds to carry no deductible, but with most companies: the higher the deductible, the lower the premium. It is also wise to remember that the claim cannot be covered unless the amount of damages exceeds the amount of the deductible. For instance, a $300 repair will not be covered if the deductible is $500.Who Needs Collision CoverageNot everyone needs collision coverage. Older cars and vehicles that have been totaled are not worth much. However, what every consumer must consider is whether they have the money to replace or repair the vehicle themselves? If not, the cost of the coverage could be less than a repair. If the insured has a loan, collision coverage may even be required by the lienholder.Collision insurance protects the policyholder's vehicle. Without this coverage, the insured must pay out of pocket for repairs. This insurance can be obtained from a licensed agent; however not every driver needs this coverage. For those with newer vehicles, a loan, or who don't have the means to pay out-of-pocket cost, collision coverage should be on their policy.
Is progressive insurance company cheap?
"Insurance rates vary on state, value of vehicle, age, gender and amount of coverage. An older female with an expensive is more likely to pay less then a young male with an old car due to risk statistics."
When do you need to insure a new car if you have current insurance on a different car?
It depends on the state that you live in and on how your policy for the older car is written. With my policy, in my state, the new vehicle would have the same coverage as the old one for 30 days. Your best bet is to not mess around with that and protect your investment...just add the new vehicle to the policy.
What is the best coverage to buy for an older vehicle?
Depends on several factors. Just how old are you talking? Is the vehicle worth anything? It may be eligible for a collector policy if it is not a daily driver. You certainly want enough liability to be really protected(a high amount). If the vehicle is not worth anything according to blue book or collector guides, then comprehensive and collision are not necessary to carry. Greg Nice greg_wsl_nice@yahoo.com
Buick century tire pressure?
You should run between 30 and 35 PSI in the tires on your Buick Century. If you have older tires on the vehicle, you should run closer to the 30 PSI mark.
Tips For Insuring Your Company Car ?
It can be said that no matter what state you are in, the one thing your Personal Auto policy will not cover is any vehicle used for business purposes. This is primarily because business owners need to insure their business vehicles under a Commercial Auto Policy.Quite a bit of information goes into forming a Commercial Auto policy. Customers need to provide the following for each vehicle that is used in the business:Year, Make, Model and VIN #Use-How will the vehicle be used in the business? Is it a private passenger car that will be used by Management for both business and personal use? Is it a repair truck that goes to multiple locations in one day? Is it a contracting vehicle that goes to one job and stays there all day? Do you have a delivery business with a high volume of deliveries particularly on the weekend?Garaging location- Whether all your vehicles are kept in the parking lot of your business or your employees take the company car home at night, the insurance company will need to know each of the cities and towns where they are located to be rated properly. Cities are usually rated higher because of the higher incidence of crime and theft than in a suburb or more rural location.Cost New-This would be amount that would be needed to replace the vehicle in a total loss.Type of coverage requested: Full Coverage or Liability Only- You can request liability, comprehensive and collision coverage or you can request liability only coverage. In the case of newer cars that you will want to repair or replace, you need comp and collision to pay for that repair. If you have an older vehicle that you won't want to replace, you can purchase liability coverage only.Loss Payee- If there is a loan on the vehicle, the lien holder needs to be listed on the policy so they are paid in the event of a total loss. You will need to provide the name and address of the lien holder as well as the vehicle they have an interest in.All of these factors will determine the amount of premium to be paid.Commercial Auto coverage is attached to the vehicle driver. For this reason, discounts are usually based on the number of vehicles, packaging more than one coverage on the same policy or the number of years in business itself. Increasing the comprehensive and collision deductibles or dropping this coverage on older vehicles can also be a savings.Next time you need to insure a commercial vehicle, take these tips along so you will be fully prepared with all the information you need to get the best coverage.
