Tina Fey : I am looking for some tips to compare auto insurance quotes and review car insurance and any help will be appreciated?

Compare auto insurance quotes and review car insurance to get low auto insurance rates :
Response : It is true that if you compare auto insurance quotes and review car insurance coverage you can definetly save money and get low auto insurance rates online within a matter of minutes. It is best to make an informed decision and choice what is best for you at all times. This is so because each one is looking to get the best auto insurance qutoes online.

Here are some important tips which will go a long way in getting low auto insurance rates for any one even if you are not a pro at auto insurance :

Review car insurance coverage and limits so that you are not wasting your hard earned money. Your coverages should be adequate as per the make and model of your car. There is no point in insuring an old model over 15 years and taking acomprehensive coverage for this. You are better of opting for only the liability coverage in this case. secondly, your liability limits should be atleast 50% higher than what are the normal state norms as a rule of the thumb if you have not been involved in an accident. However, no one can for sure tell you what excat limits are adequate since basically insurance is for a risk which may happen or may not happen.

Secondly, you should not much worry about what is not covered. Basically, most insurance companies have common exclusions and these would not be covered under most circumstances since these are considered uninsurable or wear and tear risk which is commonly not covered.

Pay your premiums if possible yearly since this will give you a higher discounts if you can afford it. There are some compnaies which allow you to pay the premium quaterly also and at times these are cheaper than the monthly installlement. It is best to ask the insurance company for a deal once you have compared auto insurance quotes and decided on the the insurance company.

Compare auto insurance quotes after taking into consideration all the possible auto insurance discounts that the insurance companies are giving and which you are eligible for. You can find more information on auto insurance disocunts if you follow the link. Also remember when you compare auto insurance quotes online that you should have your membership details of your profession or association handy since you get group discount for being a member of a professional group.

For getting low auto insurance rates you can opt for a higher deductible. Calaculate how much you can absob for yourself and keep the deductible accordingly. The deductible discounts are good and can be as high as 10-15% which will give you low auto insurance rates.

Last but not least when you compare auto insurance quotes or review car insurance coverage please remember to give the correct information. If you do not give the correct information upfront, the quotes may differ and secondly it would be considered as misrerpresentation. Misrepresentation can lead to your auto insurance policy being cancelled which is the worst outcome for anyone.

There are deals going on and constant competition makes it necessary for you to review car insurance and compare auto insurance quotes every once in a while to keep on getting low auto insurance rates to make huge savings.

Thanks.
Kamlesh

Mark Joyner : If I’m driving a rental car and have an accident where I hurt someone, am I covered?

Response : A very good question on auto insurance. The holiday season is coming and people will be travelling and so this will help all of them and you also. The personal auto insurance policy will provide coverage once a liaility coverage is there. All you need to do is to compare auto insurance coverage and limits and incase you so desire, increase your auto insurance liability limits if you have just taken minimum limits and the state which you are visiting has very high compulsory limits.

Let us assume that you and your wife went for holiday to Los Angles from New York and you and your wife both have auto insurance policy which has coverage for liability, medical payments, uninsured motorists, collision, and other-than-collision. As per the agreement arrangement of the auto insurance policy ” the named insured and his or her family members have coverage for the “ownership, maintenance, or use of “any auto or trailer.”
“Any” is the operative word here. Of course, there are some exclusions, but those come up in rare cases. We will be dealing with the typical, vacation car-rental situation—where the PAP named insured rents a car for a week or so of vacation fun. At Los Angles you rent a car at the hotel from the auto -rental company there. On the way back to the hotel, you miss the traffic red light and hit another car. You and your wife are unhurt, but the teenaged driver of the other car must be taken to the hospital. If that injured driver sues John over his injuries, John’s PAP will provide him with liability coverage and a defense. Your liability coverage will certainly provide you the coverage and your insurance company will pay for the medical expense, defense of any other liability to the teenager. The important thing to remember is that your PAP with liability coverage, you have full liability coverage when driving any auto.

The rental insurance company usually want to make money and will ask you if you want to pay for the insurance or the liability will be yours. Do not worry about this. Check your auto insurance policy, compare auto insurance coverage and your policy limits. Read the condition on rental car insurance under your car insurance policy. Infact, you can make a telephone call to the auto insurance company and seek their advice on what your auto insurance coverage are.

It would be a pleasure answering any of your questions.

Thanks.
Kamlesh

Guy Laiberte : Hi! I am based in Alabama and would like to know what proof of insurance is required for driving my car – proof of auto insurance?

Response : Alabama has compulsory auto insurance. The goverment has made compulsory auto insurance liability limits since they are concerned about any harm to porperty or life. The insurance must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident (Act 2008-393). The policy must be issued by an insurance company qualified to issue motor vehicle liability insurance in Alabama.

The best proof of liability insurance is the insurance card issued by the insurance company. The insurance cards are issued by companies qualified to issue auto liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy. Insurance companies often issued cards two or more times a year. Motorists must be sure that the insurance card carried within the vehicle is current.
Other acceptable documents to prove insurance include:
o A temporary insurance card issued by the insurer.
o A premium receipt or insurance binder issued by the motorist’s insurance agent.
o The current declarations page of a liability insurance policy.
o The actual liability insurance policy issued for the vehicle.
o A certificate of liability insurance policy issued by either the insurer or an authorized agent.
o Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
o A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.

Here is an important tip, if your car is new or not more than 5 -7 years old you must go for a comprehensive auto insurance and compare auto insurance quote before you buy one. After you get the policy review auto insurance coverages to verify if you have the correct and optimum coverage.
Thanks.
Have a great day
Kamlesh

Kelly Osbourne: I would like to know the minimum auto liability limits for drivers in Alaska and other states. What is financial responsibility and which states have that?

Response: Alaska and Maine mandate the highest minimum auto liability limits for drivers within each state. Both require drivers maintain at least 50/100/25 limits. Florida and Louisiana (but only through 2009) allow the lowest minimum auto liability limits at 10/20/10; however Louisiana is raising its minimum limits to 15/30/25 effective January 1, 2010. (One major difference between Florida and Louisiana is “No Fault” status; Florida is a personal injury protection (PIP) state where Louisiana is a compulsory liability state.)

The remaining states fall in between these two extremes with the two most common minimum limit requirements being 25/50/10 and 25/50/25 – both applicable in 12 states each. The most unusual minimum limit requirement may be that of Ohio at 12.5/25/7.5. Further, two states require their insureds carry only $5,000 in property damage protection. Auto liability limits are anything but rational or consistent throughout the country.

Forty-nine states and the District of Columbia maintain compulsory liability insurance requirements. New Hampshire will be the sole remaining voluntary financial responsibility state once Wisconsin’s compulsory liability law takes effect June 1, 2010. Although not a compulsory liability state, New Hampshire is a compulsory uninsured motorist coverage state.

You need to ensure that you have the correct auto insurance coverage. Review auto insurance policy  once you get it and compare auto insurance coverages especially the liablity coverage to see if it meets the required State limits.

Reader : What are the best liability policy limits? How do I reveiw car insurance coverage to get best auto insurance limits?

Review car insurance coverage for auto insurance limits. Frank New York

This is a very interesting question. When you want to know whether you have the optimum auto insurance limits, you will have to review car insurance coverage and compare auto insurance quotes. These are the two biggest tools that will help you save $, your hard earned money. There are certain liability limits which mandatory limits are fixed by the state.  The minimum limits of New York limits are sometimes together referred to as “$25,000/$50,000/$10,000” or “25/50/10 “. Most of the insurance agents would advise that the minimum policy limits for car insurance liability are not sufficient. The normal rule of the thumb adapted by the agents and insurance professionals for the average driver is 100/300/100. This means that:

• 100,000 per person for bodily injury
• 300,000 per accident for bodily injury
• 100,000 per accident for property damage

When deciding on the limits since the medical treatment cost is fairly same, the last limit of property damage would be best for a person who is not an average driver. Property damage is damage t the other car or landscape. This portion of liability would vary from place to place and depending upon the property damaged.

It is interesting to note that the courts sometimes award very high amounts of liability costs. Please consider carefully your own and your families driving skills and financial stability before deciding on the auto insurance. Review car insurance coverage and compare auto insurance quotes and save money.

Good question. Thanks.

Best wishes.

Kamlesh

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