Don Rickles : I have been asked by the bank to get coverage of 100/300/100 on the auto insurance policy. Is this legal? How do I compare auto insurance quotes for these limits?

How to compare auto insurance quotes for different coverage limits?

response : Don, I can understand your apprehension when you have been asked by the bank to get coverage for 100/300/100 limits. Now, basically I can answer your questions on what this means from the insurance perspective and guide you on how to compare auto insurance quotes for different coverage limits.

Compare auto insurance quotes for liability limits

Any insurance professionals and insurance agents would endorse the fact and agree that the ideal auto insurance policy limits are 100/300/100 in insurance parlance. That means that the policy limit for bodily injury per person should be 100,000, the limit for bodily injury per car should be 300,000, and the limit for property damage per accident should be 100,000. You would have to compare auto insurance quotes based on these limits.

The above limits are much higher than the mandatory limits but these are considered the safe limits. However, these limits would depend on the financial capacity of a particular person and the area in which the person is driving. For example, if a person is at fault in a freak accident in a costly suburb and the landscape and other property of another person had been damaged heavily, then the cost of the damage could be more than 100,000.

When you compare auto insurance quotes for these limits and for the minimum limits set by the states which are much lower, you may be surprised to find that the car insurance premium is not much higher.

Though this might not be legal on the part of the bank to insist on these limits, it is prudent to have decent cover to meet any eventuality The limits of coverage which have been asked here are the liability limits. These are the limits for bodily injury, property damage and any accidents.

Compare auto insurance quotes for same limits for each quote

In case you cannot get a multiple quote, please ensure that when you compare auto insurance quotes you do put in the same limits for each quote, otherwise your whole purpose to compare auto insurance quotes and getting the best option would be in vain.

Personally, I would encourage you to get these limits and save on car insurance premiums by getting your free quote here or to compare auto insurance quotes for free. Check out your best options now, before….. the dynamic market changes like the bank rates.

Dori Friend: Will the big oil spill affect auto insurance rates or how to compare auto insurance quotes? This question is asked since ultimately the insurance companies will have to bear some loss in this. Would we have to review car insurance coverage to get low auto insurance rates.

Auto Insurance : Compare auto insurance quotes, review car insurance to get low auto insurance rates.

Response : Dori, a good question but I know some readers will think this is not appropriate, since what connection would be there between the oil spill and the auto insurance rates or how to compare auto insurance quotes.

Being in the insurance field for a long time, I agree with part of your apprehension, because insurance is related to all walks of life. The past few years have been tough for the insurance companies and this definetly affects the insurance market.

The Mexico oil spill has been one of the biggest so far and the liability claim for this is already estimated at 400+ million dollars and there is already a talk in the insurance circles that we are heading towards a hard insurance market. However with the present economic scenerio this might not be the case.

Yes, once it becomes a hard market there will be changes in the auto insurance ratings and the number of players would also be reduced. This would mean that the consumers will have to compare auto insurance quotes online and offline to get the best quotes and reveiw car insruance coverage if they want to save and get low auto insurance rates.

Maria : I have just started driving and am always worried about the weather conditions-wind and rain. I feel that an accident would increase my auto insurance rate, what can I do?

Response : I can understand your apprehension. Weather conditions like wind and rain pose special challenges for drivers. They can cause accidents and increase your auto insurance rate.The winds and rains in certain areas of our country the USA are very high especially in Florida. If you have a high-profile vehicle such as a trailer or motor home, consider staying off the roads until the winds die down. These vehicles tend to be overtaken by strong gusts of wind, posing real danger for drivers.

The commencement of rain is the most dangerous time to be on the road, as water mixes with road oils and dirt, creating a slick surface. Avoid hydroplaning by slowing down and maintaining traction between your tires and the road surface. Turn on your lights so other drivers can see your vehicle, and use your defroster or air conditioner to improve your visibility.

Severe thunderstorms can spawn tornados and hail. Monitor your radio news station during these conditions. The safest place to be in case of a tornado is outside the car. Pull over and find a ditch or other low-lying area and lie face down to protect yourself from flying debris. In a hailstorm, pull under an overpass or bridge to seek shelter while driving. In a hurricane, head inland to high ground before the storm approaches land.

Following these severe weather driving tips will help you from sliding off the road, having an accident, or suffering even greater damage to yourself and your property in unfavorable weather conditions.

Kamlesh