Comprehensive Insurance Current Rates, News & Information
States Promote Safe Labor Day Driving
Posted in Auto Insurance , Collision Insurance , Comprehensive Insurance , Liability
September 3rd, 2010
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Put your auto insurance card in a safe place, buckle up and prepare for a crazy Labor Day weekend–this is the sentiment of law enforcement as they get ready for DUIs and more this holiday. States nationwide are finding cooler temperatures and reasonable gas prices could bring out some live wires this year. If you’re not properly insured, you could bear the brunt of their good times. 
I Wrecked My Car, Now What?
Posted in Auto Insurance , Collision Insurance , Comprehensive Insurance , Liability
August 5th, 2010
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Wrecking a car is something no one wants to experience, but causing the wreck and only carrying liability insurance coverage is definitely one of the worst types of accidents a person can have. Luckily, you won’t be responsible for paying for the damage to the other person’s vehicle, but if the damage to your own car is too costly to repair, you’re left with the dilemma of what to do with your car.
Comprehensive Auto Insurance Deductibles Increasing Faster Than Collision
Posted in Auto Insurance , Comprehensive Insurance
May 8th, 2010
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Deductibles for comprehensive auto insurance are rising almost twice as fast as collision deductibles in the United States, according to Mitchell International, an auto insurance market research company. As noted by the company, comprehensive auto insurance deductibles are rising at a pace of 160 percent faster.
When Collision and Comprehensive Auto Insurance is a Bad Idea
Posted in Auto Insurance , Collision Insurance , Comprehensive Insurance
September 16th, 2009
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Auto insurance typically requires a minimum level of bodily injury liability and property damage liability insurance, or the car owner must have the financial means set aside to meet minimum requirements in the event an accident occurs. Both collision damage insurance (pays for damages caused to your car if involved in an accident) and comprehensive insurance (pays for damages caused to your car due to alternative means like “Acts of God,” theft or vandalism) auto insurance are add-ons to a basic auto insurance policies and are not required by law. There are times when avoiding collision and comprehensive auto insurance is a smart idea.
FAQ: What is Comprehensive Auto Insurance?
Posted in Auto Insurance , Comprehensive Insurance
September 14th, 2009
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Before being able to legally operate your vehicle, all states tend to require a minimal degree of automobile insurance or at least require that the vehicle owner has a certain level financial assets enough to act as compensation in an accident. But what would happen if your car was not involved in a conventional collision and damage occurred to your vehicle in a different way? That is where comprehensive auto insurance would kick in to help you offset the costs.
Best Comprehensive Auto Insurance Rates
Posted in Auto Insurance , Comprehensive Insurance
August 26th, 2009
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Finding the best auto insurance rates takes a lot of time, effort, and research. You’ve really got to dig and make constant comparisons between all the offers out there, and be on the lookout for special one-time-only deals on auto insurance rates that could really help to lower your bottom line. One component of your quest for the best auto insurance rates will be comprehensive coverage. Comprehensive auto insurance covers the repairs to your car should it be damaged by fires, vandalism or any other event that is not a collision with another car or object. Theft, for example, is covered by comprehensive auto insurance.
How Much More Expensive Is Comprehensive than Liability Insurance?
Posted in Auto Insurance , Comprehensive Insurance , Liability
August 11th, 2009
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If you own a car, or are thinking about buying one, then you probably know you have to have car insurance. Only a few states do not require it, but what they do require instead is proof that you can pay for any accident damages you inflict on others out of your own pocket. A few people here and there can afford repairs or hospital bills, but they would bankrupt the vast majority of us, so we need to have car insurance.
Do I Need Comprehensive Auto Insurance?
Posted in Auto Insurance , Comprehensive Insurance
July 9th, 2009
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Comprehensive auto insurance is an optional aspect of most car insurance policies that will cover the repair of your car, for example, should you smash into a tree, or a wall. Basically, it will pay for the repairs to your car incurred by an accident that does not involve another driver. It will also cover the market value of your car should it be stolen. Because of this, many auto loan lenders will require you to get comprehensive car insurance because they want to protect their asset (that being your car, which technically the lender owns until you’ve paid off your loan).
Who Needs Property Damage Liability?
Posted in Auto Insurance , Auto Insurance Claims , Comprehensive Insurance , Property Damage
May 11th, 2009
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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 price. When it comes to car insurance, that cost will be influence by the type of vehicle you buy, your driving history, age, gender and the state’s minimum requirement for proper levels of insurance. Every state has their own laws governing the amount of insurance drivers must carry, and the state requirements for property damage liability is generally $5000-$25,000.
What Does Personal Injury Protection (PIP) Generally Cover?
Posted in Auto Insurance , Auto Insurance Claims , Comprehensive Insurance , Personal Injury Protection
April 28th, 2009
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If you want to legally drive your car, you need to secure your license, obey all the laws of the roads and make sure to have the proper auto insurance policy required by your state. In many states, personal injury protection (PIP) is mandatory and offers a great layer of insurance protection during your time of need. Not only will having the proper minimums of auto insurance help you to be a law abiding citizen, it can end up preventing financial ruin that can be triggered by a severe auto accident.
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