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The term liability is a legal term that refers to a person's responsibility for injury or loss caused to another person or to another person's property. Each person who causes an accident is therefore legally liable for damages done to another person or their property. Liability insurance is coverage a car insurance company provides to its insured clients in the case that the insured causes an accident. Each state in the U.S. has enacted minimum liability car insurance laws that require drivers to pay for and carry liability insurance protecting those whom they may injure from damages. Most states have enacted minimum liability limits for the following:
medical costs minimums for a single or multiple passengers
property damage minimums
The minimum coverage amounts required by minimum liability insurance vary from state to state, but drivers are typically required to pay for and maintain liability car insurance at a minimum. Stiff penalties are also levied on drivers who let their liability insurance lapse or fail to carry proof of that insurance in their vehicle.
To obtain cheaper liability car insurance, drivers can follow these rules:
Keep a clean driving record, free of speeding tickets, law enforcement traffic stops, and accidents. All of these can cause a driver's car insurance company to increase their liability insurance premium rates.
Drive an older, safer vehicle. Car insurance companies rank the cost of car insurance premiums based on a variety of factors, but driving an older, safer vehicle is one of the ways drivers can obtain cheaper liability car insurance. Vehicles with lower horsepower are relatively less likely to be involved in accidents, so the statistics indicate that these vehicles are less risky to insure.
Stay free of alcohol and drugs. A single DUI, or Driving while Under the Influence of alcohol or banned substances, can increase your liability insurance premiums dramatically.
Cheaper liability car insurance can be researched over the internet. With a great number of insurance companies, and brokers who represent a wide number of insurance carriers, making their coverage and premium rates available for comparison, consumers are now at a great advantage to shop around and obtain the least expensive liability car insurance.
What else can I help you with?
Where can I find cheap liability car insurance?
The cheapest car insurance is offered by Progressive.
Which companies offer cheap liability car insurance?
Companies that offer cheap liability car insurance are Nationwide and GEICO. There are lots of other good brands out there but these are among two of the most trustworthy and award winning car insurance companies in the market.
What car damages are covered under the cheap car insurance cover?
The only car damages covered under the cheap car insurance coverage is liability insurance. Damages are usually covered up to $5,000.00 for the cheapest automobile coverage available. Liability covers physical damage. Most cheap car insurances do not cover car damages.
Where can I find cheap liability car insurance in florida?
You can go to dmv.com to search for car insurance in the Florida region for free.
What company offers cheap liability car insurance?
Allstate has a good plan. Check it out here www.allstate.com/auto-insurance/liability-coverage.aspx
How much is cheap car insurance in New Mexico?
The cheapest car insurance in New Mexico is liability only car insurance. This insurance can cost as little as $60 a month.
Is it cheaper to buy a cheap car to insure your child on?
Yes, buy a cheap car that you only need to have Liability Insurance on. It is Collision Insurance that will cost you allot. Of course you are taking a chance if the driver wrecks the car and it is the driver's fault. But by only having Liability you save plenty on insurance.
Where can one find cheap liability insurance for a car?
There are a few companies that tend to be the cheapest for car insurance. These include Geico, Progressive and the General insurance.
Where can one find cheap car insurance?
Safe Auto claims to have really cheap car insurance but it is for limited liability. Other companies such as Progressive and Geico also offer cheaper plans on insurance.
What is covered by cheap liability car insurance?
Liability insurance covers damages to the property or body of others, it does not provide any coverage for yourself of your property. Each state has a minimum coverage which depicts the cost of "cheap" liability auto coverage.
Where can you purchase cheap auto liability insurance?
Auto liability insurance, sometimes known as third party insurance, provides protection to the driver for the costs of damaging another vehicle, property or person whilst driving. Cheap auto liability insurance can be purchased from car insurance brokers, and cheap deals can be identifed using insurance comparison websites such as Go Compare or Compare the Market.
Is there any cheap car insurance Arkansas for liability insurance?
Liability coverage is usually much cheaper than a full coverage policy. However, the final price will depend on your driving record and year of the car.
