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Compare Auto Insurance
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Posted in Auto Insurance, Compare Auto Insurance

Choosing an auto insurance policy can be tricky business, especially when there are so many factors to consider within each policy besides car insurance rates. Whether you're choosing the amount of liability coverage to purchase, deciding whether to add comprehensive and collision coverage, or contemplating extras like personal injury protection and gap coverage, there's a lot to think about.

What's interesting about selecting coverage is that personal circumstances almost always play a role in what is best for us. However, most of us consider price more than our circumstances when choosing our coverage.

If you're interested in choosing the right coverage based on your life then it's a good idea to take a look at the auto insurance matrix below. It could help you determine which type of coverage or rider could work for you based on specific preferences or circumstances.

Auto Insurance Matrix: Choosing the Right Coverage

Bodily Injury & Property Damage Liability
Uninsured / Underinsured Motoritst Bodily Injury Liability
Personal Injury Protection (PIP)
Comprehensive
Collision
Gap Coverage
If insurance is required by your state
If you have an old car
If your car is new or financed
If you have no health insurance
If you have health insurance but a frequent driver or passenger does not
If you live in an area with wild animals
If your area is prone to natural disasters
If you owe more than your car is worth
If you ever park on a lot or street
If you have a teen driver
If you live in a high-crime neighborhood
Expect a deductible with

(The numbers represent the minimum coverage to purchase per scenario)

Note: Some states require uninsured or underinsured motorist bodily injury liability, as well as personal injury protection. Check with your state's Department of Transportation for more information.


Posted in Auto Insurance, Compare Auto Insurance

It's no secret that car insurance companies sometimes come up with policy features/riders that are basically useless. While some features like roadside assistance, rental reimbursement, gap coverage and towing and labor can be very beneficial, some being offered just aren't.

So in case you're not sure of what features you want before buying an auto insurance policy, take a look at the top five features that you can pretty much do without.

custom spoiler
Photo by brian cors

1. Customized Equipment

Customized equipment features can cover any variety of parts on your car, including the customized wheels, spoilers, and customized paint or decals. While this isn't a bad option to have if you own a "Pimp My Ride" styled car, if you have a run-of-the-mill, point A to point B car, you don't need to insure anymore than the car itself - and of course, the passengers in it.

car sound system
Photo by thefatnick

2. Sound System

If an insurer tries to convince you to add on sound system coverage when you're working with the standard manufacturer-installed system, you can feel free to throw any expletives you want their way as you tell them to remove the feature. This type of coverage protects your high-end sound system if it is stolen or damaged, but since warranties typically come with this type of purchase, you shouldn't need this feature at all.

car rental insurance
Photo by aramk

3. Vehicle Rental/Trip Interruption

While this feature isn't entirely worthless, it's really not necessary unless you are an avid traveler. Usually, you can take advantage of some decent features with your rental car, credit cards, etc., that will help reimburse you quite impressively. So paying every month for this type of feature is essentially a waste of your money.

CD car insurance
Photo by nedrai

4. CD/DVDs

Do you carry that many CDs and DVDs that you feel the need to insure them - alone? Well, if the answer is yes then you can take advantage of CD/DVD coverage that will reimburse you for a certain amount of the loss of the digital media used with your car's stereo as long as they were in the car at the time of loss. For most people, however, this is just throw-away coverage.

windshield insurance
Photo by sea turtle

5. Auto Glass

If you already have a comprehensive auto insurance policy, it will cover broken glass. So paying for additional auto glass coverage is only beneficial if you carry only liability coverage and for some reason worry that your crazy ex-boyfriend/girlfriend will smash your car windows.

When obtaining your quote for auto insurance, whether online or in person with an insurer, you want to double check that you're not about to pay for these or other worthless auto insurance features. Affording auto coverage can be tough enough without having to pay for features that you will never use.


Posted in Auto Insurance, Compare Auto Insurance

When you think about auto insurance, the first thing that usually comes to mind is how expensive your car insurance premiums are. It is important to compare car insurance premiums , and there are some factors you may not be paying enough attention to when comparing rates.

Comparing Insurance...



Read full article: Top 3 Things to Consider When Comparing Car Insurance Premiums

Posted in Auto Insurance, Compare Auto Insurance

New data released by InsWeb revealed that the current median price for a six-month policy is $702, which indicates a decrease of approximately 0.5 percent over the last six months. The median price indicates the middle price of car insurance with roughly 50 percent of costs above and below this...



Read full article: National Median Auto Insurance Cost $702 for 6-Month Policy, Study Says

Posted in Auto Insurance, Compare Auto Insurance

A new report released by J.D. Power and Associates reveals that the resale value and quality of a vehicle are important reasons that new-vehicle buyers remain loyal to a particular brand. In its seventh year of measuring this concept, J.D. Powers found that the components have been important to...



Read full article: J.D. Power Study: Resale Value and Vehicle Quality Important to Car Owners

Finding the most competitive auto insurance quote is a very challenging thing to do. There are literally thousands of auto insurance quotes floating around out there, and they all claim to be competitive. So how do you know if you got a competitive auto insurance quote?

There is no perfect way...



Read full article: 2 Ways to Get a Competitive Auto Insurance Quote

Car insurance can be confusing, especially if you are moving to a different state. Each state has their own laws not only governing the amount of coverage you need to maintain for your auto insurance, but your state may operate differently from your previous state regarding their status as a ...



Read full article: PIP or No - Fault Car Insurance

PIP stands for personal injury protection insurance and will cover the medical expenses, lost wages or funeral costs for up to $10,000 for either you or any passenger in your vehicle involved in a collision in a no-fault insurance coverage state. That means your car insurance will be...



Read full article: Do All Car Insurance Policies Have Personal Injury Protection?

If you are a new driver in the process of purchasing your first car, aside from the vehicle price tag there are other factors you need to include in your transportation budget. Car maintenance, fuel expenses and car insurance are all mandatory expenses that need to be worked into the final...



Read full article: Who Needs Property Damage Liability?

When comparing auto insurance companie s, many people look at a number of factors, including policy prices, and features, but fail to check on the customer service . But believe it or not, a companys customer service is extremely important in making sure you receive the benefits you should.

Why is...



Read full article: Importance of Customer Service for an Auto Insurance Company


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