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Frequently Asked Questions for Auto Insurance

Auto insurance for sports car or any other that is considered a sports car depends on how the insurance company classifies it. This classification is not a rule or does not have any standards.

That depends upon which auto insurance company you and your spouse are with. If you're both with the same company, it may benefit you to have a joint plan and you'll find that some companies provide incentives to couples to form a joint plan. However, if you're with different companies and your price would be higher to have a joint plan, you may want to stay with the separate accounts. Also consider whether you'll be driving your individual vehicles or the same vehicle.
An SR-22 form is typically required by the Department of Motor Vehicles (DMV) after you've been convicted of a traffic violation. The form guarantees the DMV that you're carrying the proper insurance on your vehicle. Often times, this form is needed in order for you to have your license reinstated. You receive the form from your insurance company. They're most likely very familiar with the form and can have yours ready very quickly.
GAP insurance is a type of insurance that covers you if you get into a wreck and your actual insurance does not cover the entire cost of the vehicle. Since the value of the vehicle is used, it can often be lower than what is actually owed on the vehicle if you should total it. You'll have to pay the difference between what is owed and what the vehicle was worth unless you have that GAP insurance – and it's typically a wise investment.
You will find that your car insurance will only cover the things that are 'permanently installed' in your vehicle. For instance, your stereo was 'in dash' and you couldn't easily grab it to take it inside with you. However, the laptop was not installed and in fact, had nothing to do with your vehicle. The GPS system could also easily be taken out and wasn't permanently installed. Things that never leave your vehicle – like the stereo – will be covered. All other things will not.
Yes. If you don't have car insurance and an accident occurs, you could spend years paying for it from your own pocket. There is car insurance for individuals who don't own cars and it's called Names Non-Owner Coverage. While there are no vehicles named on the policy, it can be used for medical costs, property damage liability and more.
Cars that cost more money to repair, or cars that don't have as many safety features as they should, are more expensive to insure. The car insurance company wants to know that they're getting enough money from you to justify expensive payouts that might occur with those fancier cars. They're taking into account the fact that fewer safety features increases the chance of an accident and injuries – and also that fancier cars will cost much more to fix.
If you have not received any traffic points, been in any accidents, or had any changes in your coverage needs – there might be other reasons for your increase. Occasionally, car insurance companies will increase the coverage prices if your credit has suddenly taken a nosedive. Or, there could be market changes that have caused the insurance company to increase their prices. Give them a call and ask – you might receive some helpful information.
Many car insurance companies offer what they call 'rock chip repair,' which keeps you from having to replace the entire windshield. The windshield is repaired and most times, you can never tell a rock had chipped it. Insurance companies typically waive the deductible and pay for the repair themselves. Call your insurance company to see if they offer this service. However, in some cases, the windshield will need to be repaired and you can submit a claim. The insurance company will pay for this claim.
The most common ways to keep your premiums low include driving a vehicle with a lot of safety features, avoiding traffic violations that will increase your premiums, and driving safely. It's important to drive defensively – watching closely for other drivers' mistakes so you can react quickly and correctly. Other factors that are associated with keeping your car insurance rates down include good credit, age and driving history.
For that answer, you'll need to contact your insurance agency. Some insurance policies cover rental cars if you're driving it because your primary car is being repaired. Others only cover rental cars that are being used for pleasure – such as when you're on vacation. It's important to find out exactly what your policy covers before acting.
Newly licensed drivers are much more likely to get into an automobile accident than individuals who have been driving for years. On top of that, statistics show that male teenage drivers are more likely to have accidents than female teenage drivers. Because of these statistics, teens, and especially boys, have higher insurance premiums. These will decrease as your son's driving record stays clean and he ages.
Comprehensive coverage handles damages to your car that are the result of vandalism or acts of God. For instance, if you're sleeping and your car is sitting in the driveway and a tree limb breaks free from the tree and falls into the windshield of your car – that is called an act of God. If you're at school and someone breaks into your car, steals your stereo and slashes the tires, comprehensive coverage will handle it.
Liability insurance is the least amount of automobile coverage you can buy. Individuals who want to spend less money often buy this kind of insurance. Basically, if you get into an automobile accident that was your fault – and you damage another vehicle, your liability insurance will pay for the repairs. It will not pay for the repairs to your vehicle, but you won't have to pay out of pocket for the other vehicle.
Most states do require drivers to have car insurance, with the exception of New Hampshire and Wisconsin. However, drivers who opt to go without car insurance run the risk of being caught in an accident with no coverage at all – and when this happens, the guilty party must pay out of pocket.
Yes, in most cases you must purchase automobile insurance when you purchase a new car. In fact, in most places, you'll need to have the full coverage insurance before you drive the vehicle from the lot. This protects you as well, since the car is brand new. If something should happen and you get into an accident, you'll be covered with your full-coverage insurance.
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