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    Archived pages: 149 . Archive date: 2013-12.

  • Title: Car Insurance Rates - Get Free Auto Insurance Quotes Online
    Descriptive info: .. Car Insurance Guide.. More on Coverage Types.. More on Costs Savings.. Insurance Company Reviews.. Visit the Quote Center.. More on the Party Insured.. More on the Vehicle Insured.. Local Rate Information.. More on Accidents Incidents.. More on the Claims Process.. Car Insurance Rates.. Car Insurance Rates is your ultimate online resource for auto insurance.. We provide company reviews, vehicle purchasing advice, claims help, valuable information on all types of policies, and more!.. Let's face it.. You have to insure your vehicle, and sometimes the process of choosing the right policy can be pretty overwhelming.. Fortunately for you, we're here to help! This website provides you with important information on types of policies and outlines the most important terms that you should be familiar with before you buy.. If you're in the process of switching companies, understanding what you're paying for ensures that when you switch, you're not lowering your coverage, just your rates!.. Still Not Sure?.. Each day, thousands of drivers and drivers-to-be are saving money through lower premiums and better coverage; you could be too! Switching away from your current high-priced broker is as easy as filling out a short form and picking the broker quote that you like most.. If you aren't ready just yet, that's ok.. Stay.. Learn from our numerous articles about coverage types, accidents, the claims process, and much more! When you are ready, we'll be here for you and ready to help.. Looking For More Insurance Options?.. If you are looking to receive free, no obligation quotes on another insurance type, simply click one of the below links and complete the short application; we've partnered with the best companies in order to get you the timeliest, most affordable rate quotes available.. Companies Brokers Within Our Network.. Below is a list of companies who provide personal, commercial, and military car insurance policies.. Simply click on a logo for more information on each provider.. 1.. of.. 3.. Insurance Reviews.. Connect with Us.. Tweet.. Facebook.. Selecting the Right Coverage Carrier.. Choosing the correct coverage can be a pain, to say nothing of comparing similar rates across multiple provider offers.. Whether you need help picking just the right coverage, navigating the  ...   companies may hold all the cards when it comes to setting a price for certain kinds of coverage, there are still a few variables you can control to help manage the cost and quality of your policy.. In these sections, we'll explore the different personal and vehicular factors that will impact the cost of your car insurance, and explain what (if anything) can be done to help you trim down your cost without compromising quality.. The Insured Party.. Who's insured? One person or a family? A elderly man or a teenage girl? Someone with tickets or a spotless record? Learn about personally-influenced insurance factors here.. The Insured Vehicle.. The kind of car you drive is the single largest variable you can control when it comes to managing your policy's price.. Learn how different vehicle types dictate cost in this section.. Where You Live.. It'll probably come as no shock to you that different cities and different states have different rates - but you may fall out of your seat when you see what your neighbors are paying.. Vehicle Accidents, Incidents, and Auto Insurance Claims.. Accidents happen, but there are things you can do to be prepared and to respond such that you keep your rates from rocketing sky-high.. It can be dizzying to think of all the things that could go wrong when driving a vehicle but, as the saying goes, an ounce of prevention is worth a pound of cure.. Whether ensuring you're ready for the unexpected, researching an accident that has already happened, or preparing to file a claim, we can help with these guides.. Accident Incident Center.. How can you be prepared? What should you do at the scene? What kinds of accidents and violations are there? What should you expect with each? Get answers here.. Insurance Claims Center.. After an accident occurs, it's time to decide whether or not it's worth it to file a claim.. Don't rush to contact your insurer just yet - read about what to expect first.. 2013 www.. carinsurancerates.. com.. About Our Company.. Our Staff.. Privacy Policy Terms of Service.. 800 Fifth Avenue, Suite 4100, Seattle, WA 98104.. Toll Free: (866) 275-6234.. Find us on Google+..

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  • Title: Car Insurance Guide - Liability, Collision, Comprehensive, & other Coverage Information
    Descriptive info: CarInsuranceRates.. Car Insurance Guide - Liability, Collision, Comprehensive, other Coverage Information.. Our guide to car insurance rates is designed to give you all the necessary knowledge to lower your premiums.. We strive to provide detailed state by state information for insurance consumers nationwide.. Most Popular Articles.. Car Insurance Companies.. You have a vast selection of car insurance companies from which to choose your new policy.. Most of the top insurers in the country provide quotes through our site.. Find a list of the largest auto insurers in the U.. S.. here.. Rates Go Up After No-fault Accident.. With most car insurance policies, any time you make a claim, your premiums will rise.. Even after collisions in which you had no fault, your rates will likely still go up.. We'll explain why this is and tell you how to avoid it.. SUV's More Expensive to Insure.. The cost of ownership for an SUV is significantly higher than for a smaller vehicle, and not just because of poor gas mileage.. SUV's also cost an average of 10%-20% more to insure.. Find out why SUV's have such high premiums here.. Rates Drop at Age 25.. Twenty-five might not seem like a milestone birthday at first blush, but it is actually an important age with regard to car insurance.. When you reach age 25, your car insurance rates will automatically drop.. Learn what it is about reaching age 25 that entitles you to lower premiums.. Full Coverage vs.. Liability Only.. With auto insurance, a trade-off exists between coverage levels and premiums.. That is, if you want the lowest premiums, you will have to select minimal levels of coverage.. We'll discuss the benefits and drawbacks of carrying full coverage as opposed to liability-only here.. Why Rates Vary Co.. to Co.. If you have shopped around for car insurance quotes, you know how widely rates can vary from one company to another.. The disparity may seem illogical when your demographic information, driving record, and coverage choices are the  ...   have begun steadily lowering their premiums.. File Insurance Co.. Complaint.. If your insurer will not pay out a claim or if you are unhappy with the settlement the insurer gave you, you have the right to file a complaint against them.. Each state has a department of insurance with whom consumers can file complaints.. We'll tell you how to go about doing so here.. International Drivers and Driving Abroad.. Driving a vehicle in another country presents a whole host of issues concerning driver's licenses, driving records, and insurance coverage.. For instance, if you have an accident abroad will it appear on your United States driving record? Find the answer to this and other questions related to international driving on this page.. Points and Your Drivers License.. When you receive a citation for a moving violation, the department of motor vehicles will most likely assess points or demerits against your license.. How many points you receive on your driver's license and how long they will remain will depend on the nature of the offense and state law.. Read on to learn more about the license demerit system and how points can impact your insurance rates.. Most Common Vehicle Incidents.. Speeding, failing to obey a traffic sign or device, and parking violations are just a few of the offenses for which drivers are most commonly cited.. Whether you will be able to get the ticket expunged from your record and how it will affect your car insurance rates will depend on the nature of the citation.. Read on to learn how the following common traffic offenses will impact your driving record and your insurance premiums.. Traffic Tickets.. You may be wondering, "how much will my insurance go up with a speeding ticket?" Every insurer will have a different policy on rate increases following a moving violation such as a speeding ticket.. If you have an otherwise clean driving record, some insurers might forgive your first minor infraction, meaning it will not affect your rates..

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  • Title: Types of Car Insurance
    Descriptive info: Types of Auto Insurance Coverage.. Types of Auto Insurance Coverage.. Previously, auto insurance policies have been essentially Procrustean in nature - forcing the most diverse of policyholders to conform to whatever coverage standard the insurer thought best.. The climate in today's insurance industry is entirely different.. Now, the plentitude of types of auto insurance available to you is nearly overwhelming and, thanks to the Internet, at your fingertips.. The types of car insurance from which you may choose are virtually limitless, which allows you to customize a policy exactly to accommodate your finances and needs.. Now, because of add-ons, tailored coverage limits, and other personalizations, almost no two policies are the same.. You can make your next policy truly your own.. Whether you need standard comprehensive liability insurance or a more customized policy, you can find it here.. Auto insurers are more flexible than ever and are willing to collaborate with you in structuring a policy that you need and can also afford.. The online insurance industry is a consumer's market, so you will have your say in dealing with prospective carriers.. Also keep in mind that the personalization of coverage is not limited to the types of auto insurance you choose.. Many of our affiliated carriers also offer life, home, and/or health insurance, so you can further personalize your coverage to include these broader policies.. The choice is yours.. See the many options available to you by reviewing the articles below and completing the online form to receive free quotes.. Basic Types of Coverage.. The articles below describe the different kinds of baseline coverage available to you through any major insurance provider.. You can select one or multiple types of coverage, which should be heavily influenced by your state's required minimum-coverage levels, whether you own, finance or lease a vehicle, and what your current financial situation looks like.. Sound like an awful lot to take in? Don't worry - we've listed examples of situations where each coverage type might work best, and when the selection of that type might not be so wise.. Select a coverage type from the list below to get started!.. Casualty Insurance.. Describes a technical classification  ...   an add-on from the list below to learn more about what it is, its potential benefits, and whether or not it's the right choice for your car insurance needs.. Gap Insurance.. Covers the difference between the amount you owe on your vehicle's loan and its actual value in the event of an accident.. More on Gap Insurance.. Medical Coverage.. Medical coverage on a car policy is most often used to cover the deductible on your personal medical insurance policy, but can cover other costs, too.. More on Medical Payments Coverage.. Car Rental Reimbursement.. This add-on means the insurance provider will pay for your rental in the event of an accident.. It does not cover an elective rental.. More on Rental Reimbursement.. Under-Insured Motorist Coverage.. Covers the difference between the amount the party responsible for the accident can pay you and what your vehicle is actually worth.. Under-insured Driver Coverage.. Un-Insured Motorist Coverage.. Covers the total value of your losses in the event that the party responsible for the accident does not have any car insurance coverage at all.. Un-insured Motorist Coverage.. Additional Considerations.. Auto insurance isn't just about picking the right coverage levels and add-on services; there are other considerations you should make to make sure you have enough coverage in the event of the unforeseen or that you're not paying for more than you need.. Bundling Home Auto Policies.. Is it worth it to get your home insurance from the same carrier as your auto insurance? The answer to this question might just surprise you.. Bundling Home and Auto Policies.. Umbrella Insurance.. What if your auto or home policy limits aren't enough? Umbrella insurance coverage might just be the answer if you'd rather err on the safe side.. More on Umbrella Insurance.. Extended Auto Warranties.. Covering your vehicle in the event of an accident is one thing, but what about coverage for non-accident events? A must-read for owners of used vehicles.. More on Extended Auto Warranties.. Short Term / Temporary Policies.. What if you can't arrange for a policy before you take ownership of your vehicle? Are there other situations where a standard policy won't work?.. More on Temporary Insurance..

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  • Title: Managing the Cost of Car Insurance
    Descriptive info: Managing Car Insurance Prices.. Managing Car Insurance Prices.. In part, the amount of your car insurance estimate is outside of your control.. Insurers consider variables such as driving history, age, marital status, gender, etc.. in determining your average car insurance rates.. While such variables largely cannot be changed, you can alter other elements of your coverage in order to minimize the car insurance prices you pay.. Strategically shopping for and calibrating your auto insurance policy can substantially lower auto insurance prices while still preserving the quality and integrity of your coverage.. The best example of this approach is the setting of your auto insurance deductible - the amount you pick can radically alter auto insurance costs.. With the help of our car insurance estimator, you can easily see how small modifications in your coverage will impact your auto insurance estimates.. You can then select a policy that conforms to your budget based on the results you receive.. Below, you will find a number of articles that describe the myriad ways you can control your car insurance costs.. While all the articles serve the same purpose of helping you reduce  ...   these strategies to achieve a balance of both.. Read More about Affordability.. Trade-Off for Cheap Insurance.. Vehicle insurance is designed to mitigate risk, and sacrificing critical coverage for a couple of bucks may not be worth it.. Learn more about what you're giving up here.. Read More about Trade-Offs.. How Premiums are Calculated.. How do companies even decide how much to charge you anyway? Every company is different, but there are some common criteria they share when determining cost.. Read More about these Criteria.. Factors of Low Cost Insurance.. To cut or not to cut? While you can trim your policy's coverage, there are certain factors that dictate what you can and can't do, such as local laws and regulations.. Read More about these Limits.. How to Find Discounts.. Every insurance company touts their discounts, but there are a few they don't talk about and you just might qualify for them.. Learn more about these options here.. Read More about Discounts.. Deductibles 101.. Your deductible is the single-largest option you can control, but adjusting your deductible amount may come with more strings than most people realize.. Read More about Deductibles..

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  • Title: Reviews of Car Insurance Companies
    Descriptive info: Reviews of Car Insurance Companies.. Reviews of Car Insurance Companies.. The market is saturated with auto insurance companies competing for your business online, but how do you know which car insurance providers you can trust to insure your vehicle? The answer lies on this page - auto insurance company reviews.. com partners with over a dozen car insurance services to bring our visitors free quotes on top-notch auto policies.. Each of these insurers is listed below, and by clicking on a car insurance company, you can learn more about its history, mission, and performance.. With CarInsuranceRates.. com, you can do all of the car company insurance research required to make an informed decision about the right carrier for you.. In the following reviews of automobile insurance companies, you will also find in-depth financial information for each  ...   of car insurance companies who provide personal car insurance, commercial, and military policies.. These are some of the.. largest companies in the US.. and we will be adding more companies to the list for smaller insurance brokers.. AARP Insurance Company.. AIG Insurance Company.. Allstate Insurance Company.. American Automobile Association (AAA) Insurance Company.. American Family Insurance Company.. Auto Owners Insurance Company.. Farmers Insurance Company.. Farm Bureau Insurance Company.. Grange Insurance Company.. The Hartford Insurance Company.. Haulers Insurance Company.. Liberty Mutual Insurance Company.. Metlife Insurance Company.. Mercury Insurance Company.. Nationwide Insurance Company.. Safeco Insurance Company.. State Auto Insurance Company.. Travelers Insurance Company.. Is your insurance company giving you problems? You have options.. How to File a Complaint Against Your Insurance Company.. Did you know insurance companies have credit ratings, too?.. Why You Should Care about Your Insurer's Financial Standing..

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  • Title: Car Insurance Quotes
    Descriptive info: Car Insurance Quotes on Your Own Terms.. Car Insurance Quotes on Your Own Terms.. You know you need to insure your vehicle, but the thought of having to deal with pushy agents, sales pitches and endless piles of policy documents leaves you cold.. Not to mention having to deal with the rising premium costs and fees associated with this mandatory coverage.. Don't spend anymore time worrying, we have the solution to your concerns!.. Find the Best Car Insurance without Hassles.. If you have about five minutes to spare, you can receive free auto insurance quotes using our quick, hassle-free system.. No matter what type of coverage you are looking for, we can accommodate you.. Our streamlined process will help you find instant, free, online, fast, and convenient quotes with the least amount of time and effort on your part.. The overwhelming majority of our competitors supply their users with only one coverage quote at a time, and for that one quote, users can expect to spend up to an hour completing forms online.. On a handful of sites, you might even have to pay for the quote and/or supply documentation before the company will give you an offer.. Sites like these waste your time, your patience, and your money.. By contrast, a car insurance quote takes most drivers between 10 and 15 minutes to retrieve using our simple process.. The online request form you will use is straightforward, brief, and easy to complete.. The rates you will receive once you submit the form are completely free and do not obligate you to buy coverage from any of the providers listed.. Best of all, through our site, you get not one quote, but up to five.. We make.. insurance companies.. compete for your business and offer the best rates available.. Personalized Quotes to Fit Your Unique Needs.. No one-size-fits-all, universal definition of the best car insurance policy exists because each driver defines adequate coverage differently.. Some drivers value affordability above all else, while others place more of an emphasis on overall quality.. Whether you fall into one of those categories or fall somewhere in between, the information that follows  ...   large, most sites and carriers promising free car insurance quotes do indeed deliver on that promise.. You won't see any surprise charges or fees, and you won't be obligated to buy the coverage you are offered.. However, unscrupulous sites still exist that lure you with a free auto insurance quote, but work in clandestine charges in some way.. Beware of any site that asks for your credit card number before, during, or after providing you with allegedly free.. auto insurance quotes online.. You should not have to provide any payment information until you are actually dealing directly with the carrier from whom you wish to purchase coverage.. No carrier, no matter how expedited its system is, can possibly complete the full underwriting process instantly.. Ergo, the "instant" is somewhat of a misnomer.. What the sites actually mean when they advertise such a product is instant auto insurance quotes, not policies.. So how reliable is the promise of instant car insurance quotes? Admittedly, many sites can instantly offer approximations of the.. premiums.. you will pay after asking only two or three questions.. What they don't tell you, though, is that you will have to complete a full questionnaire and underwriting procedure in order to receive your actual policy, and there is nothing "instant" about that process.. When requesting vehicle insurance quotes from top providers, your prospective insurer will want to know details about your vehicle in order to provide accurate pricing information.. They typically ask for the make, model, year, mileage and VIN of the vehicle.. You can find the VIN (vehicle identification number) on the dashboard.. It is a small metal plate that features a 17 character identification.. Be sure to provide the VIN for the most accurate quotes.. Get Started and Save Money.. Don't wait any longer to get the coverage you need for your vehicle at a great price.. We have made it extremely easy to save time and money and encourage you to get started.. If you have any questions or concerns, please feel free to contact us by phone or e-mail.. We are devoted to helping you find the most complete coverage from leading providers!..

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  • Title: The Insured Party
    Descriptive info: The Insured Party.. Understanding Insurance Variables: The Insured Party.. Toying with different levels or types of coverage is just one way that a person can exercise control over their policy's overall cost; however, many people do not realize the litany of personal factors (things unrelated to your policy's limits, levels, and liabilities) they can manage in order to ensure that the best rates are afforded to them upon renewal or switching providers.. Some of these factors are passive, meaning you cannot expect to control them but you can certainly plan around them, whereas others are directly correlated to your personal choices, such as driving history or interactions with previous policies.. This section discusses both of these classes as they relate to the insured party or, put another way, the individual who "owns" the policy.. Knowledge is most certainly power in either case, and it behooves all car insurance shoppers to educate themselves about their personal profile when the time comes to consider new policies.. Pick any of the articles we have prepared on each major personal factor from the list below to learn about what your personal characteristics say about your ability to get a cost-effective policy.. Passive Personal Factors.. Personal qualities, such as age and gender, are beyond a person's control and thus will not translate directly into better personal choices when it comes to controlling the cost or quality of a future policy.. In cases such as these, it would benefit you to know what's coming down the pike (e.. g.. understanding that a policy will become less expensive once you reach a certain age) in order that you may plan for the change when you renew.. The Gender Battle: Male Drivers vs.. Female Drivers.. Men may be from Mars, but do they take it in the shorts when it comes to paying for a policy? Are women given better rates because they are  ...   Should you go it alone or combine your policy when insuring your family? What about your child - when does it make sense to add them? Are there other circumstances under which you can share one policy amongst multiple drivers? Is the addition of multiple drivers onto one policy even a good idea?.. When to Combine Policies.. Driving Habits and Your Official Record.. We all know that driving carefully is the safest way to travel - and to guarantee a low rate - but what happens when you make a bad choice and get busted? What about two? Or three? What other sorts of historical driving indicators will change the cost of your policy?.. How Risky Driving Practices Change Your Rates.. Does Your Job or Your Level of Education Level Change Your Rates?.. You stay out of trouble with the law.. You pay your bills on-time.. You drive an economy car.. But yet, somehow, you still hear other people with more infractions or fancier cars paying less for their insurance than you do.. Then it dawns on you: maybe their occupation or education are playing a part in their premium?.. How Your Job Your Education Affect Your Rates.. Gettin' Hitched: Why Marriage Changes Your Rates.. There are many benefits to marriage, one of which is a sometimes-sizeable reduction in your car insurance rate.. Why does this happen? Why ought not single people qualify? Are all married couples guaranteed to experience a reduction? Learn more about how tying the knot can save you a lot here.. Why Your Rates Go Down When You Get Married.. Driving Outside of the USA.. If you are one of the many drivers who travel outside the country or abroad from time to time, it is important to understand international vehicle insurance rules and regulations to protect yourself in the event of an incident.. Learn more about international insurance policies and procedures..

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  • Title: The Insured Vehicle
    Descriptive info: The Insured Vehicle.. Understanding Insurance Variables: The Insured Vehicle.. For most, the cost of insuring a vehicle comes as an afterthought to its purchase.. Thinking about insurance cost post-purchase is a mistake and, worse, it often ranks among the most expensive mistakes you can make when you review the total cost of owning and operating your vehicle on an annual basis.. Think of it this way: if you get an incredible deal on your vehicle's lease which essentially cuts your current car payment in half but the cost of insuring the new vehicle is nearly three times what you are paying now, how much did you save? The answer: nothing - in fact, you are now paying more than you were before!.. Just like the personal factors that are considered when determining your policy's end-price, so too are there common vehicular qualities which will contribute to your policy's cost.. We will cover three major categories of vehicle qualities in this section: considerations for standard vehicles, considerations for specialty vehicles, and common myths that are not actually taken into account when calculating the price of a policy.. You should be especially familiar with these factors if you are currently in the process of buying a vehicle or if you are actively searching for a way to lower your current rate.. Considerations for Standard Vehicles.. For the purposes of this section, a "standard vehicle" means any vehicle you intend to drive regularly which is itself common in the vehicular marketplace.. An easy way to tell if your vehicle is a standard vehicle is to ask yourself two questions: (1) could I drive this car to work or school every day, and (2) if I were in an accident, would it be easily replaced by my insurance company with a vehicle of the same make/model combination or similar value.. If you said yes to both of these questions, then you are thinking about a standard vehicle and the articles below pertain to you.. Car Insurance Prices by Make.. The manufacturer of your car sets the stage for your overall insurance premium price.. Which makes cost the most to insure? What might your monthly payment look like? While the premiums paid by any two drivers will invariably be different, we put this guide together to give you a good idea of what your premium might look like on a make-model basis.. Read more about Manufacturers (Makes) Insurance Price.. What's in a Body (Style)?.. After manufacturer considerations, the body style of your vehicle is one of the most heavily weighted characteristics on your policy.. Typical body styles include coupes, sedans, trucks, SUVs, and so on, but which one is the most expensive and why do insurers even care?.. Read more on Body Styles Insurance Price.. For Motorcycle Owners.. In the insurance world, motorcycles are not considered to be a body style but instead in a different class of vehicle entirely.. Because the rules that govern motorcycle riders are so different than  ...   is in the shop after an accident,) most renters are asked whether or not they want to purchase a one-time insurance policy from the rental company - but is this policy actually necessary?.. Read more about Rental Cars Recommended Coverage.. Classic / Antique Cars.. Seeing a classic car on the street reminds us of what vehicle ownership was like back in the day - it's too bad the prices can take us back to the future.. Luckily, there are a few smart ways to minimize your expense while protecting your hunk of history.. Read more about Coverage for Antique or Classic Cars.. Sports / Recreational Vehicles.. You're probably not riding your jet ski to work daily, but that doesn't mean it shouldn't have daily coverage in the event of an accident on or off the water.. This article covers vehicles like jet skis, recreational vehicles (RVs), all-terrain vehicles (ATVs), golf carts, scooters, and so on.. Read more about Insurance Specialty / Sport Vehicles.. Fact or Fiction: Myths about Certain Vehicle Characteristics.. Common knowledge and actual fact are two very different things.. While there are all sorts of legitimate considerations that should be made before selecting a vehicle for purchase, there are also a bevy of bogus claims floating about the insurance world that are completely unsubstantiated by evidence or real-world underwriting processes.. In this section, we'll review some well-known fallacies and confirm some of the stranger fiction - and you just might be shocked when you discover which is which from the articles below.. Seeing Red: Do Red Cars Pay Higher Premiums?.. Would a car of any other color command the same premium price? Do yellow cars, red cars, or any cars with non-traditional colored paint jobs cost more to insure? If so, why so? If not, where did this crazy rumor come from?.. Does the Color of Your Car Affect Your Insurance Rate?.. Vehicle Classifications Insurance Rates.. Most motor vehicle departments will classify a vehicle as a certain class or code depending on how its used (thus making them eligible for certain sorts of license plates) but does this classification impact the vehicle's insurance rate? If so, why?.. Does Your Vehicle's Classification Change its Insurance Rate?.. Minimum Requirements for Owned, Leased, and Financed Vehicles.. If you own your car outright, do you need comprehensive or collision coverage? Will your dealership make you carry extra coverage if you lease a vehicle from them? What about your bank or credit union if you buy a car - what other options do you have?.. What are the Minimum Insurance Requirements for Owned, Leased, and Financed Vehicles?.. Vehicle Ownership Insurance Policies.. Some drivers like to play it safe - and there's no harm in that - but attempting to get an insurance policy on a vehicle you don't own comes with more strings than most people realize, including possible accusations of fraud, unwanted legal liability, and just plain unnecessary coverage.. Can I (Should I) Insure a Vehicle I Don't Own?..

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  • Title: State Car Insurance Guide: Best Auto Insurance Quotes
    Descriptive info: State Car Insurance Guide: Best Auto Insurance Quotes.. State Car Insurance Guide: Best Auto Insurance Quotes.. Our guide to understand car insurance minimum coverage and requirements in all 50 states.. Each state below contains a comprehensive list of everything you will need to know about getting the appropriate amount of auto insurance coverage in your local state.. Western Region.. Alaska.. Arizona.. California.. Colorado.. Hawaii.. Idaho.. Montana.. Nevada.. New Mexico.. Oregon.. Utah.. Washington.. Wyoming.. Midwest Region.. Arkansas.. Illinois.. Indiana.. Iowa.. Kansas.. Louisiana.. Michigan.. Minnesota.. Missouri.. Nebraska.. North Dakota.. Ohio.. Oklahoma.. South Dakota.. Texas.. Wisconsin.. East Region.. Alabama.. Connecticut.. Delaware.. Florida.. Georgia.. Kentucky.. Maine.. Maryland.. Massachusetts.. Mississippi.. New Hampshire.. New Jersey.. New York.. North Carolina.. Pennsylvania.. Rhode Island.. South Carolina.. Tennessee.. Vermont.. Virginia.. West Virginia.. Geographical Insurance Questions.. I move back and forth between Maine and New York throughout the year.. Do I need need to have a car insurance policy in both states?.. Complying with your state's insurance coverage regulations is very important.. If you are caught without the proper insurance for your car, you could face very costly penalties.. In some states you could even risk having your car impounded, your license suspended and even jail time.. Therefore, it is always  ...   a car insurance policy for the state you are driving in at the time.. Are there certain states or regions that feature lower insurance rates?.. Historically, midwest and southern drivers tend to enjoy lower insurance rates.. The reasoning behind these lower rates - especially the more southern states - is the lack of population density.. The more people you are around when you drive, the greater your likelihood of having an auto accident.. Imagine yourself living near miles of cornfields with only two neighbors who owned one car between them.. Contrast that daily 'commute' to that of someone living in New York City.. Big difference in risk and likelihood of an accident, right? Getting insurance in these states is not only less expensive, but it also is easier to come by with fewer qualifications that might otherwise disqualify you (or a teen) for a policy.. Why does my ZIP Code affect my car insurance rates?.. You may be wondering why the first thing you are asked for when appying for car insurance quotes is your ZIP code.. There are many different variables that make up your custom car insurance quotes.. Read more about.. why car insurance rates fluctuate by ZIP Code..

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  • Title: Accident & Incident Center
    Descriptive info: Vehicle Accidents Incidents.. Car Accidents Vehicle-Related Incidents.. It happens to all of us - the odd accident or traffic incident, that is - but what should we expect after we experience the unexpected? This section lists the different sorts of incidents that a person may encounter while owning and operating a vehicle, what these incidents generally entail, and what can be expected to result from the incident with respect to a person's driving record and future car insurance prices.. This section will not address how to interact with your insurance provider about the incident.. That process, which is known as the claims process, is covered in the claims section.. Before we begin, let's first discuss the difference between an accident and an incident.. It may sound like we're splitting hairs here, but all accidents are incidents whereas not all incidents are accidents.. No, this isn't a setup for a question on the SATs - there is simply a major difference between the two.. Traffic accidents.. generally result in vehicular damage, property damage or, heaven forbid, a casualty.. This usually means someone's insurance prices are going up (the at-fault party, the affected party, or sometimes both.. Traffic incidents.. might result in damage, but they may also be minor citations for incidents that do not result in damages.. These may result in increased insurance prices, but will generally be to a lesser-degree.. For our purposes, we will call all events which result in vehicle damage, tickets, citations, or in any way modify your insurance policy or driving record an "incident.. " With that in mind, we've prepared articles to help you prepare for or respond to incidents in which you are involved; describe the various sorts of incidents you could expect on the road; and explain what you can expect should one of these incidents happen to you.. Select the article that best-describes the incident or information you're looking for from the list below.. Pre Post Incident Guides.. Most people tend to think "it could never happen to me," but the truth is a vehicle-related incident happens more frequently than once every three seconds in the United States.. Not all of them are major, not all of them result in damages, and not everyone gets caught, but how can you prepare for each of these scenarios? What should you do if you weren't prepared at the time, but you want to make sure you're set up to make the most out of a bad situation now? How will your driving privileges be impacted? This section covers all of these topics in detail.. What to do During Immediately Following an Incident.. If you've been involved in an in incident, what should you do at the scene? Should you communicate with the involved party and, if so, what should / shouldn't be said? What about the responding officer? What are the most common mistakes, and what can you do to make sure any future monetary damages are minimized?.. Read the Incident Response Guide.. Incidents Your Driver's License.. Once an incident occurs, your state's motor vehicle department may assess points, demerits, or credits against your license.. What do these various indicators mean? How do these points affect your ability to renew your driver's license and driving privileges? What impact will they have on your insurance rates?.. Read more about Driver's Licenses Points.. Explaining Different Incidents in Detail.. The  ...   you have a firm grasp on the necessary steps to resolve the incident.. Read more about Incidents Involving Parked Vehicles.. Alcohol Substance-Related Incidents.. Driving under the influence is a hot-button topic in many states no matter what time of year.. What will result after being arrested for operating a vehicle while impaired by alcohol, prescription medication, illegal drugs or narcotics? How will this choice impact your driving privileges in the future?.. Read more about Operating a Vehicle while Under the Influence.. Serious Vehicular Incidents.. Serious incidents will have serious repercussions, whether you are the perpetrator of the act or you're unlucky enough to have been the victim.. Incidents of this type include: driving on a suspended license, filing false accident reports, fleeing from the police, leaving the scene of an accident, hit and run accidents, using / selling / stealing identification documents, drag or street racing, reckless driving, vehicle theft, and vehicular homicide.. Read more about Major Vehicular Incidents.. Stolen Vehicles and Theft.. Dealing with a stolen vehicle or property can be very stressful, especially if you lack insurance coverage.. Learn about the most popular stolen vehicles, steps you can take to avoid being the victim of theft and what to do if your car or personal belongings are stolen.. Read more about Vehicle Theft and Crime Statistics.. Other Common Questions about Accidents Incidents.. Sometimes the event you're going through doesn't fit neatly into a box.. We've prepared an entire knowledge base of articles for common vehicle incidents, accidents, and situations that many drivers see every day.. If you don't see an answer to your situation on this list, please feel free to contact us so we can prepare a guide for drivers with the same question.. Lending / Borrowing a Vehicle.. Most drivers lend or borrow vehicles without thinking about the consequences, but what happens when there is an accident or incident in a borrowed vehicle? Which driver's insurance will foot the bill? Is the vehicle itself insured or the driver? What happens if the borrowing driver doesn't have insurance?.. Read more about Borrowed Vehicles Traffic Incidents.. Risky Business: Driving without Car Insurance.. Some drivers choose to roll the dice and drive without adequate (or any) insurance.. Apart from the fact that this horrible idea places both the driver and their potential victim in signficant personal and financial risk, what fines, fees, or other penalties exist should a motorist opt to drive with insufficient / no coverage?.. What are the Penalties for Driving without Insurance?.. Emergency Roadside Kits.. What's the worst thing that could happen while you're driving? Your battery dies? A flat tire? Maybe you get stranded on some infrequently travelled side road with no supplies? Whether you're a 90% city travel / 10% rural travel (or the other way around) it will always pays to be prepared.. Things to Keep Handy in Case of a Vehicular Emergency.. When Accident Repairs Cost More than the Car is Worth.. What happens when you're in a car accident that causes more damage to your vehicle than your vehicle is worth? Will your insurer fix your car up to a point and stick you with the rest of the bill? Will they declare your car a total loss and then leave you to your own devices? Read more about what comes next here.. When the Cost of Fixing Your Car is Greater than its Value..

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  • Title: Car Insurance Claims
    Descriptive info: Claims Center.. In the event you are involved in an incident which results in damage to your car, another party's car, to a pedestrian, or some combination thereof, you will likely need to file a claim with your car insurance company.. A claim is defined as a reimbursement or payment request you make to your provider for any damages directly resulting from an incident.. In this section, we will discuss how you can best prepare to file a claim, respond to your claims officer or agent, and what you can expect of your future premiums as a result of filing a claim.. Please note: information about what to do during or immediately following an accident can be found in the.. car accidents incidents section.. of this website.. You should understand the nature of the accident or incident that occurred before you begin the claims process.. The Claims Process Explained.. If you decide to file a claim after an incident, you should know what to expect from your claims agent and your future as a policyholder.. What will you need to file a claim? Does your policy cover this kind of incident? What will happen to your rate afterward and is filing a claim even  ...   Lies: Why Insurance Fraud Doesn't Pay.. Maybe you hit your garage door this morning and the resulting dent just boils your blood every time you look at it.. It might be tempting to say you incurred the damage at the grocery store just to get a free shot at a repair - but potential fraudsters beware, the cost of getting caught just might be greater than you think.. What Happens if you get Busted for Insurance Fraud.. Replacement Repair: What Is, Isn't Covered on Your Vehicle.. Some parts, components, or aftermarket accessories aren't covered by even the most premium of policies.. From your souped-up stereo system to your standard rims, learn what your insurance policy might cover (and what coverage you should get if it doesn't.. View Vehicle Components Plus Replacement Coverage.. Wrap Up: Completing Your Claim, Bracing for Raised Rates.. The incident is over.. The claims have been filed.. Your agent has made an assessment and, hopefully, your vehicle has been repaired without event.. What happens next? Will your insurance company drop your policy when it expires? If not, will your rates go up? Was filing a claim even worth it in the long-run?.. More about the Final Stages of the Claims Process..

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