Auto Insurance

Talk to your state legislature about this one. The state minimum coverage is designed to eliminate uninsured drivers but it doesn't do that does it. Most states only require that you carry liability coverage so that if you hit someone else then their vehicle and damages are covered but not yours. You are responsible to carry coverage to protect your vehicle, assets, and bodily injury.

It usually does, but not always, I have been with my company for many years and have built up an accident or ticket forgiveness.

It depends on many things, but most important is that this is up to the insurance company

The type of vehicle, driving history, and even credit score can influence car insurance rates. The best way is to compare many rates before deciding to purchase a policy.

Typically to receive an Auto Insurance quote you need to provide your social security number, driver's license number, and your history of accidents, and speeding/parking tickets you have received in the past. You will also need to provide your name, and zip code.

The leading car insurance companies are Liberty Mutual, Geico, Esurance, State Farm and Allstate. The main factors that determine the value of these car insurance companies is an excellent customer service, competitive prices and highly experienced staff.

There are a variety of websites dedicated to giving users a quote. The major insurance companies such as Allstate, Geico, and Progressive all feature this ability.

The best way to compare car insurance is to get several quotes from several different auto insurance companies. The smartest way to do so is to use the binder from your current insurance so the quotes that are given to you are for the same levels of insurance you currently have. Understanding the coverage is also an important factor.

Auto quotes are based on the information that you supply the company. The information is typically your age, driving history, type of car, how far you drive, and where you park your car most of the time.

Direct Line Car Insurance offers protective automobile policies with many optional extras.

There is no listing of the total number of Geico commercials which have been made to date. There have been many campaigns, including the Geico cavemen and Geico Gecko. Each campaign, in turn, has produced a string of commercials.

AXA Car Insurance is based in the United Kingdom. They have been in business for over 300 years.

There are a lot of factors that determine the cost of car insurance. This includes your credit report, driving record and length of time you have been driving. The best place to begin if possible is with your parent's policy. You will often receive much lower rates than you would applying for a policy on your own. Discounts are often given for being a full time student and having good grades. If that is not possible, you should check with an independent insurance agent in your area. The agent will, at no cost to you, check the rates for all companies that you are eligible for and get the best rates for you.

If the truck is a pickup that is used just for personal use and not in any business it can be insured just like any other vehicle on your personal auto policy. If it is over a 3/4 ton truck then it probably will have to be insured on a commercial policy. Talk with your agent about this issue if you have a larger pickup to pull a camper or the like.

Carmen Palumbo

If he lives in your household he must be listed on your policy. If he never drives any of the vehicles in your house the insurance company may allow you to sign an exclusion so that he does not effect your rates. The downside to this is that an exclusion means that no coverage is provided if he is driving any of your vehicles and a claim occurs. This does not mean he can drive if it's and emergency or if his is disabled. It means he cannot drive your vehicles period. Keep this in mind.

More than likely they will not pay the claim as you violated the terms of the policy by not making them aware of all drivers and household residents. This is called material misrepresentation of the contract. If you don't pay the premium for your son to be on the policy why should the insurance company be liable for an accident with him driving.

A person under the age of 18 is not a legal adult. For this reason you should not own an automobile. If you do not own the vehicle then you cannot insure it. You can only insure a vehicle that you own. An insurance application and policy together form a legal and binding contract. Most insurance companies will not recognize a legal contract unless it is signed by a legal adult. This is the reason you are having trouble getting a quote.

This really depends on place to place, as per covers offered.

There are addon covers to insure property in the car, which has to be opted for when taking the insurance for extra premium. However do check the exclusions as some do not cover certain items like jewellery, cash etc;

Also if its a laptop insured with your office or home insurance package, as portable item, it can be claimed.

No they cannot. In order for you to be added as a driver the policyholder will have to have your full name, date of birth, drivers license, and social security number. No one would have all this information unless you gave it to them. Adding you as an additional driver really won't make their insurance cheaper as far as I can tell. There must be more to the story than you are giving. It's easy to resolve. Call or go in and see the insurance agent and let them know that you do not live in the person's household and do not drive any of their vehicles.

Owning a car is different to driving one. A driving license is needed to drive the car and in most jurisdictions, it is not needed to own a vehicle.

I believe the term you are meaning to say is excess liability coverage. An excess liability policy act similar to an Umbrella policy that increases your liability limits on your underlying auto, home, boat, or rv policies at a very reasonable rate. An excess liability policy does differ from a true Umbrella policy so ask your agent to explain the differences and what is available for you.

Liability insurance protects a person if he or she gets in an accident and they end up hurting someone or his or her car or property. Many state have a minimum that each person must carry. Limited liability car insurance is where a person is covered in this case, but only for a small amount, for example, $25000.

No federal government agency oversees the auto insurance industry. The auto insurance companies are regulated on a state-to-state basis and would be listed as an Insurance Bureau or Department of Insurance.

If you are walking down the street and are hit by a car, of course, the majority of the coverage will be from the car that hit you and their liability coverage. You personal auto coverage may also have some coverage to help you as well. If you have medical Payments Coverage it will pay from your personal policy, also if you have work loss that coverage can come from your personal policy to supplement the other party's coverage. There may even be some more little coverage that jump in to help out.

Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.