Car Insurance Questions

You have questions car insurance? The top ten car insurance questions with answers.

Do I need car insurance to drive my car?

Yes. All states require that you have liability insurance, and some states require that you have protection against uninsured motorists, which insures you against losses from an accident caused by an uninsured driver, under-or hit-and-run. Visit your state department of insurance website to find out what your state requirements are.

What is the minimum amount of insurance I need?

The minimum amount of coverage in most states is liability coverage. This includes:

* Body Injury Liability pays for your damages and legal costs if you are found liable in an auto accident and other people are injured or killed.

The * Property damage liability pays to repair or replace the car of another driver when you cause an accident.

What else should I cover it?

* Collision coverage pays to repair or replace your car when it is damaged in an accident.

Full coverage * pays to repair or replace your car when it is damaged by fire, theft, vandalism, or acts of nature.

* Personal protection coverage pays for injury medical expenses for you and your passengers when you're involved in an accident. It also pays medical expenses for you and your family when you are injured in the car of another person or on foot.

Where can I get cheap car insurance?

The best way to get a cheap rate on auto insurance is to compare the rates of different companies. There are now insurance comparison sites where you can get rates from a number of companies so you can compare all their prices and choose the best.

Some of these sites have an online chat feature where you can get answers to all your questions to an insurance adjuster. (See link below.)

How can I reduce my premium?

You can reduce the premium by increasing your deductible. For example, raising it from $ 250 to $ 1,000 can save you 15% to 50% on your annual premium.

What is a deductible?

The deductible is the amount you must pay for an application before your insurance company will pay.

What rebates are available?

Most insurance companies will give discounts for:

* Ensure both your car and your home with them.

* Install safety devices on your car such as anti-theft alarm and theft.

* Have a good driving record for at least three years.

* Take a course in driver training.

Is my credit rating affect my rates?

Yes, most car insurance companies now use your credit rating as a factor in determining your auto insurance rates.

How do I know the company I choose the payment of my requests?

You can check credit ratings of an insurance company, which measures its ability to pay claims, the AM Best's Web site (ambest.com)

How do I know the company I am going to give me good service?

You can get an insurance company ratings of customer satisfaction at JD Power & Associate website (jdpower.com).

http://www.LowerRateQuotes.com visit or click on the link below to get cheap car insurance quotes ratings of Top Companies and see how much you can save. You can get more insurance questions and answers in their Articles section.