A car insurance deductible is the dollar amount that is deducted from the payment that the insurance company makes to you on certain types claims. These types of insurance claims are those made under the comprehensive or collision part of your policy. These parts of your car insurance policy pay you for damage to your car or other possessions.

This means that if it costs $5,000 to repair the body damage to your car and you have a $1,000 deductible, the insurance company will pay $4,000 and you will pay the $1,000 difference. This is because the deductible is deducted from the total before the insurance company cuts a check.

The deductible never applies to payments made to other persons to repair their cars. It does not apply to the liability portion of your policy.

It is also not an issue when your policy pays you for your personal injuries. Your no fault coverage, uninsured coverage and under insured coverages can pay you and your car’s passengers for bodily injuries.

Unlike the deductible in a typical health insurance policy, the deductible on a car insurance policy is on a per incident (this basically means per accident) basis. This means that you can pay more than one deductible in a year. Health insurance deductibles are typically limited to once per calendar year.

It is critical that you perform your “duties after an accident or loss.”  Your car insurance contract will have language that states that if you fail to comply with the specified duties, the insurer has no duty to provide coverage!

There is no specific time period mentioned in the standard personal automobile policy regarding when you should report an accident.  However, you should be “reasonably prompt.”  What this means is going to be different in different legal jurisdictions.  The circumstances of the accident will also play a part.

In most jurisdictions the probable effect of the delay on the insurer is one of the key issues regarding whether or not your car insurance company will pay.  The reason for the requirement that you report an accident quickly is the fact that the longer you delay the harder it is for an insurance company to investigate the accident and potentially get another party or insurance company to pay for it.

A witness may move, die or forget the details of an accident just a short time after it happens.  Physical evidence can also be lost for various reasons including the fact that the person who hit you or got hit by you may have body work done.

How much time do you have to report an auto insurance claim? The technically correct legal answer involves a lot of variables, but if you just had an accident, report it as soon as possible.  Don’t however, rule out compensation for an older accident until you have spoken with an attorney who knows the laws of your state and the details of your accident.

You’ve seen the Progressive cheap auto insurance ads and have probably wondered where she came from. Maybe you think you’ve seen her in a movie or somewhere else.

Her name is Stephanie Courtney. The Progressive Car Insurance Girl’s movie and TV appearances can be found on IMDB (the Internet Movie Database). She has appeared in Mad Men, ER and several other TV shows. Her resume is probably longer than you might expect.

She has also done stand up.

We are now offering free quotes for motorcycle insurance because so many of our clients have motorcycles today.

Finding motorcycle insurance can be a little more challenging when compared to finding automobile or home insurance. It seems like there are always companies looking to sell you those lines of insurance, but finding cheap Pennsylvania motorcycle insurance or motorcycle insurance in North Carolina requires a little more work.

To make it easy for you we have added motorcycle insurance to the lines of insurance you can get free quotes for.

Best Motorcycle Insurance Rates

To find the best rates, you will need to shop around. When you search for motorcycle insurance through us you will have the option of checking rates with Geico motorcycle insurance, Progressive insurance agents as well as other major carriers.

This way you get an idea of the average cost of motorcycle insurance in your area and make sure that your personal cost is lower.

Today when the cost of everything seems to be going up reducing or eliminating unneeded auto insurance coverage is one of the few places where we can cut back.

Collision insurance is not mandated by law.  This aspect of your auto insurance policy pays to repair or replace your car.  It has nothing to do with repairing or replacing a car owned by another party. This is covered by the liability part of your policy.

If you financed or leased your car, you will probably not be able to eliminate the collision insurance on your car.  However, you may be able to raise your deductible and thereby lower your premiums.

An insurance company will pay you the book value of your care if it is totaled.  This amount is the amount that is at risk, not the amount you feel your car is worth.

If you are comfortable knowing that you could wind up buying another car with no help from your insurance company in the event that you total your car, dropping collision insurance may be a good idea.

If you are wondering when not to carry collision and comprehensive auto insurance the answer is based on two factors. If you have a lien on the car you will not be able to drop either your collision or comprehensive insurance. If you are unwilling to take the risk that comes when you drop those parts of your policy, you should maintain the protection.

When you own your car free and clear you can make a decision regarding carrying collision and/or comprehensive auto insurance. These parts of your insurance policy pay to replace or repair your car. They do not impact what you might owe to another party in an accident.

Collision insurance primarily pays damages to your car that happen when you are driving the car. This is the part of the policy that pays you if you hit another car, or your car hits a fixed object such as a tree.

Comprehensive insurance primarily pays you for damages that happen when the car is not being driven. This part of your policy pays for fire damage and vandalism and theft.

Collision insurance can pay to repair or replace your car when you have an accident and you are at fault, the other driver is uninsured or there is no other driver involved. Not having collision insurance only impacts your potential payments, not the other drivers. Liability insurance pays others when there is a collision. If the other driver is at fault, his or her liability insurance should pay for the damages to your car and your bodily injuries.

When Should I Stop Paying Collision Insurance?

As your car gets older and loses its value, you may want to consider dropping the collision insurance. If your car is totaled, you will only get the book value of that car from the insurance company. When the book value is low enough, you may decide that you would rather lower your auto insurance premiums and take the risk yourself. However, if your car has a lien on it, you probably need to remove it by paying off the loan first.

When Should I Stop Paying Comprehensive Insurance?

Since comprehensive insurance costs much less than collision insurance, you may want to keep even as your car loses its value, but the same basic rules and logic apply to the question ” when do i drop collision insurance?” and ” when do i drop comprehensive insurance?”.

When Should You Drop Collision Insurance?

You should look at the cost of the collision insurance and the comprehensive insurance on each car and compare it to the book value of the car. When you do this, you can determine if you would rather pay the extra money and have the security of knowing that you have coverage for the perils covered by these aspects of your policy or would rather save the money and take the risk yourself.

Comprehensive car insurance is also known as “other than collision” coverage. It protects you from various hazards that primarily occur when the no one is driving the car.

Comprehensive car insurance is not a type of policy; it is an “add on” or rider that provides additional coverage. Comprehensive coverage doesn’t pay for any bodily injuries. It doesn’t cover provide any payment if another car hits yours, although it is the only part of an auto insurance policy that covers you if your car is hit by a bird or animal.

Any auto insurance payouts for accidents you might receive will be paid from the collision coverage portion of your policy or the liability portion of the other driver.

Some of the perils covered by the comprehensive portion of a car insurance policy include

• Missiles or falling objects
• Fire
• Theft
• Explosions
• Windstorm
• Vandalism
• Riot
• Contact with a bird or an animal
• Glass breakage

The Comprehensive or “other than collision” coverage primarily pays for damage to your car, not to another person’s car. This means that its protection is basically limited to the value of your automobile. For this reason, especially when money is tight, people will decide not to include and pay for this type of coverage in their policies.

Often when determining the right amount of auto insurance to have, people will decide to drop collision and comprehensive auto insurance because of the cost rather than having their car insurance cancelled for non payment. This of course would prevent them from submitting an auto insurance claim of any kind.

You are allowed to drop collision and comprehensive auto insurance even where auto insurance in mandatory, because the payments from these parts of an automobile insurance policy are paid to the insured. It is primarily the liability portion of your policy that pays other people.

Comprehensive auto insurance is a valuable type of coverage to have, however since it pays you for damage to your possessions, it is optional. Dropping the coverage or reducing the benefit limits can lower your costs for auto insurance.

• Find the best deal before your child gets their license.
• Take advantage of discounts and avoid surcharges.

Find the best deal before your child gets their license

To get the best deal, you will need to start early. Car Insurance companies don’t usually give their best deal to families with young drivers. In fact, if you have a young driver and a minor violation or violations, you may not be able to find coverage with some companies. However, if you are an existing customer at the time your child gets their license, they are less not likely to terminate your coverage.

Existing customers are treated differently than new unknown clients. Having a new driver on your policy is like having a ticket in some ways. Young drivers get into more accidents than experienced drivers. For this reason it is hard to switch policies after your child starts driving. Shop for the best deal preemptively. Be an existing customer of a good low cost insurer before you “baby” starts driving.

When you discuss your situation with an insurance agent, let him or her know that you want quotes for the drivers you need to insure now and the drivers you will need to insure after you child gets their license. You may find that the company that offers you the best rates for the adults isn’t the same company that offers you the best rate for your teen driver.

Car Insurance Discounts

Your company may offer you a discount if your child completes a drivers education course as opposed to being taught by mom or dad. This discount may more than pay for the cost of the course. Also it may be safer for your child to be taught by a professional. If you’ve been driving for awhile there are probably many things that you do subconsciously. If you are unaware of a behavior that makes you a safer driver you will not be able to teach it. Of course you should give your child lots of supervised practice with an adult whether or not your child takes a drivers ed course.

You may pay lower rates if your child is a good student. Be aware of all of the discounts offered by a prospective insurer. Car insurance companies will typically offer a discount if you carry your homeowners insurance with them as well.

Surcharges for Auto Insurance

Owning certain cars can make your premiums higher. More expensive cars and fast cars can cost more to insure especially when you have a teen driver. Be sure to discuss the impact the purchase of a sports car will have on your policy’s rates.

Tickets also have a greater impact on the cost of insuring a teen driver than the cost to cover an adult driver.

Safety First

Remember, younger drivers have more accidents. When you put your teenage driver behind the wheel, you are putting their life and ours in their hands. It is important to teach and model safe driving behavior. Everything from wearing a seatbelt to driving sober has more impact on a younger driver’s safety than on a mature driver’s safety.

There are several ways that you can save you your auto insurance. The most drastic of which is to eliminate your need for a car and thereby eliminate your need for car insurance. I work out of my home and much prefer to ride my bike than my car. However I live in the northeast; there are plenty of times when that will not suffice.

Chances are you wouldn’t be reading this if you could do without your car, so we should talk about less drastic measures.

Here are some of the things you can do to reduce your car insurance costs:

• Compare Car Insurance Prices, Cheap Rates May Be A Click Away
• Keep Your Driving Record Clean
• Have A Good Credit Record
• Determine And Purchase The Right Amount Of Auto Insurance For Your Needs
• Move To A Lower Cost Rating Area

Compare Car Insurance Prices, Cheap Rates May Be A Click Away

Compare Car Insurance Prices. Cheap Rates may be a click away. Even amongst the top rated auto insurance companies in united states there is a lot of competition and differences in price. Home and auto insurance competition amongst the carriers will always work to the advantage of a careful shopper.

Be aware of the insurance company’s satisfaction ratings. The best auto insurance isn’t always the least expensive. But it probably isn’t the most expensive either. Shop around. You may find a bargain.

Keep Your Driving Record Clean

Accidents and tickets will have a big impact on how much you pay for insurance and more importantly how safe you are on the road. Drive with intelligence and you will reduce your chances of being disabled by a car accident and help to keep your costs for insurance down.

Have a Good Credit Record

Most of us are not surprised to learn how how speeding can affect your insurance rates. However, it is harder to find car insurance with no credit check today. This is because, insurers have found a link between bad credit and the risks that insurance companies take with drivers. You can scream and say that it is unfair. Maybe some legislation will be passed in some distant tomorrow that changes this. However, in the meantime, making sure that your credit is good is the best answer to lowering your costs for insurance.

Determining the Right Amount of Auto Insurance

This may mean that you drop collision and comprehensive auto insurance coverages. These coverage are often overpriced. You may pay get very little back even if your car is totaled. Make sure that the cost of this collission and comprehensive coverage are in line with your premiums.

You may also want to reduce the amount of your liability coverage. However, this is not usually advisable. You can’t predict what type of an accident you will be submitting an auto insurance claim for in the future. You may hit an old Ford with no injury to the occupants or cause severe bodily harm to 3 people in a Lincoln. Insurance for car accident liability coverage should be adequate to protect you from a law suit. Auto insurance payouts for accidents can be high and if your insurance isn’t adequate, this money comes out of your pocket.

Move to a Lower Cost Rating Area

This may seem like another drastic step. If you have no intention of moving to a new home it is. However, when you are looking for a new place to live, you should take this into consideration. People who live in more densely populated areas tend to pay more for auto and home insurance. You can check with your agent to find out which of the areas you are considering moving to would cost you less.