Car Insurance Mez

There are plenty of insurance policies that you can choose from. The most common ones are:

Third party only (TPO): This is the minimum level of insurance cover that you need into drive legally on the road. The insurance company pays for the damages caused on others but it won’t pay for your losses. This means that you are liable for the repair costs of your van in the event of an accident or theft. Due to the simple nature of this insurance, it’s cheap.

Third-party, fire and theft: This policy covers you in the event of an accident that came about as a result of your fault. In addition to covering you, the policy will also cover the damage caused to another vehicle, property and if people were injured in the process, the policy pays for the people’s medical treatment. This policy also covers you from theft. When your vehicle is stolen it’s good to note that you will have to pay the excess. This is usually the first amount of claim that you are placing.

Fully comprehensive: It’s the most extensive insurance cover. It provides you with protection against damage to your van,

1. Compare Policy Rates

Prices differ significantly from company to company. Take the time to explore as many options as you can before deciding on one.

2. Choose the Higher Deductible

If you can afford it, choose the higher deductible and pay less each month for coverage. A deductible is the amount you have to pay before your provider will cover the rest of your bill. A higher deductible can significantly lower your monthly bill.

3. Consider Carpooling

The less you drive, the less insurance companies charge you.

4. Buy Only What You Need

What you need for a new model is different than what you need for an older automobile. If your car is an older design, it might warrant you dropping the collision coverage.

5. Combine Your Homeowners/renters Policy

Combining other policies with your car insurance is an effective way to get the most discounts. Car insurance is considered the riskiest investment, but if you combine it with a safer investment, your monthly bill will go down.

6. Get a Tracking Device

It records your driving history-speed, abrupt stops, travel times, distance-and after the first

The state of Virginia allows drivers to pay a $500 Uninsured Motor Vehicle fee if they want to drive without insurance, and at their own risk. This fee has to be renewed when the car registration expires. Drivers that do not carry auto insurance, or pay the state fee can have their driver’s license suspended, be required to fill out a SR-22, or financial responsibility insurance certificate, and pay a reinstatement fee.

Virginia requires that car insurance policies include:

Bodily Injury and Property Damage Liability: this covers the driver if they are responsible for causing injury or damage to another person or property. Under insured/uninsured Coverage: Under insured pays if you are involved in an accident and the other driver doesn’t have enough coverage to pay for damages. Uninsured covers if you are in an accident and the driver has no coverage.

Virginia State Law: How It Affects You

There are several laws that are important to remember when shopping for car insurance in Virginia. Car insurance rates are based on driving records, and if these laws are broken they can affect your auto insurance rate.

In Virginia a DUI is considered a

Insurance Coverage for Stolen Cars

In order to have insurance coverage in the case that your car is stolen, you must have comprehensive coverage on your insurance policy. This is something that is required in all states. If your vehicle is stolen off of your personal property, you cannot file it under your home owners’ insurance policy; you must have an auto policy with comprehensive coverage to cover the loss.

Car Theft Claims Process

When you are sure your car has been stolen, you must report it to the police immediately for documentation. At the same time, you must notify your auto insurance carrier. Most carriers operate using a 30-day claim waiting period to see if the car is ever recovered, which generally begins on the date of theft. Furthermore, comprehensive coverage does not cover personal belongings that are stolen out of a vehicle. Items like phones, computers, clothing, jewelry, equipment, and more, could be covered in a renter’s or home insurance policy, but not in an auto policy.

Car Theft Investigations

Car theft claims are taken very seriously at insurance companies. They are investigated closely by adjusters to ensure that fraud is

This is a common question new customers always ask agents. The answer is, it depends on the plan and policy type you buy.

There are four main categories of protection.

* Liability Insurance

This covers injuries to the other party, damage to their vehicle and also property damages. If you have a vehicle not worth very much and you don’t drive too often, liability only insurance may make sense. It is much cheaper than comprehensive, with pricing in some states starting at $29 for good drivers.

* Collision Insurance

This will pay for damage and medical costs pertaining to you. It’s smart to buy it if your vehicle is newer and worth more than $12,000.

* Comprehensive Insurance

This is the gold standard of coverage. This type of policy costs more but has wide ranging protection. It coincides with collision and will repair of replace your automobile for events that cause damage or a loss, not relating to an vehicular accident. This means if your car is stolen, you will be protected and can get it replaced for its current market value. Also, weather related damages done to your auto will

A comprehensive car insurance policy covers the owner’s damages as well as the damages of the third parties who suffer loss due to collision. If your car is new then never commit the mistake of getting only third party insurance done, which is mandatory to have by the Indian law, as repair costs in case of accidents can be steep. Also, there are many add-ons over the regular OD (own damage) section of comprehensive car insurance policy that one should consider while selecting a plan. Important add-ons are:

• Depreciation Reimbursement: The depreciation on parts that have to be replaced because of damage is waived off under this add-on.

• Return to Invoice: The insurance company pays the difference between the claim admissible and the sale invoice price of the vehicle or new replacement value of the same make and model, whichever is less.

• No Claim Bonus Protection: NCB of over 25% is earned on a new vehicle or by no claims in previous two years. This NCB is protected under this add on provided there are up to 1 claim in a year and the policy is renewed on or before 90 days

One nice thing about a jeep is its safety features like dual airbags and solid frame. Also, it can be driven on any terrain, from sand to snow, and this makes it lot safer than small cars. Just like every other car, Jeeps also have limits, and so one must take caution while driving, however, you are free to have fun with your ride. Having these low insurance rates in mind, you can go out there on some more explorations and be adventurous! For years, the producers of these famous cars, The American Motors, gave a picture of these cars as an icon of liberty, freedom, and adventure. If you own a Jeep, then try out some routine four wheeling and have that incredible aura that comes with a Jeep.

Getting Cheaper Wrangler Jeep Rates

Do you know you can get cheaper insurance rates for your Jeep? Check out these tips and save more.

· Combine all your cars

You will get as high as 10% discount for insuring all your cars with an insurance company. This saves you extra bills, making insurance a little easier. You may also want to combine your vehicle

1. Stay on your Parents Policy

Unless you are making serious money and can afford super high premiums, talk to your parents about adding your car onto their policy. This will save you about 20% or more. Bundling multiple automobiles is a simple way to save and this includes students living on a tight budget.

2. Get Several Discounts

As a young driver, you might be thinking there are no discounts available for you. This is simply not true. If you have a solid GPA of a B or higher, you automatically qualify for a price break. Getting top grades will not only help you get a good job later on, but will lower your premiums about 5% or more. So why do insurers give lower rates to students with good grades? The secret is in the data. Auto insurance companies have compiled a huge amount of statistical data about accidents. There is a direct link between people who are disciplined and responsible academically and lower vehicle crashes. Car insurance premiums are based on the perceived risk associated with a driver, based on a person’s profile. After you finish school, you can continue to get

When Sally was hit from behind she sustained serious injuries. She was able to utilize her own auto insurance policy to pay for medical costs because the state where the accident happened was a no fault state. Essentially, this means that almost every insurance policy must provide any drivers or passengers in the insured vehicle medical payments coverage up to $50,000. This coverage is commonly referred to personal injury protection, or PIP. A policyholder can purchase more PIP coverage above and beyond the standard $50K if they so choose. In Sally’s case, her policy only afforded her $50,000 of personal injury protection at the time.

After she exhausted her PIP coverage, she met with a lawyer about suing Jimmy for pain and suffering and making a claim on Jimmy’s policy, but Jimmy was driving uninsured at the time! Even still, Sally decided to sue Jimmy after all and go after his personal assets. After a lengthy court battle, Sally’s pain and suffering was valued at about $200,000 by a court of law and a judgement was issued against Jimmy. To Sally’s chagrin, Jimmy had no assets so his wages were set to be garnished whenever he got

1. Compare the insurance market. There are many online portals that can take your data and query hundreds of insurance companies within minutes, giving you a list of the cheapest car insurance companies. Still, you must be vigilant: make sure that when getting a quote you get all the services you are interested in and the amount of insurance you need. Typically, your insurance policy consists of two parts: a voluntary contribution and compulsory. The higher your voluntary contribution, the lower your premium will be. In case of an accident, you’ll first have to pay this amount and only then you will have access to the benefits of your insurance.

2. Add a second driver. It’s better to add a spouse or partner-or in extreme cases, parents-who have driving experience in England. If you add a relative to your insurance policy with limited driving experience in the UK, your insurance may increase as insurers may perceive this person to be a liability.

3. Protect your No Claim Bonus. For each full year you go without making a claim, you accrue a No Claim Bonus. Unfortunately, this feature is available only after 4 years of flawless driving.

When buying motor insurance you should compare quotes of the different insurance companies. This is the most convenient way to zero down on the best policy. You can find insurance quotes online which makes your search hassle free. To get car insurance online, make sure that you are getting the best value for your money.

You can save money if you insure more than one vehicle with the same insurance company. In this way, you can save money on each policy and this helps to save on the premium.

There is a general thumb rule for most insurance policies which says the higher your deductible is, the lower your premium will be. So, as long as you can afford to incur some loss from your pocket, you should opt for high deductibles.

You can always get hold of your car insurance policy along with the other insurance policies that you need to buy. While doing so, the chances of getting a good discount from the insurers increase and help you to save money.

Driving carefully and meticulously is one of the best ways to reduce premiums. If you drive well and follow all the

Do’s – Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to

If you haven’t yet verbalized it, no doubt the glaring question is underscored in your mind: Why does car (read car, truck, motorcycle, RV and so on) insurance have to be so very, very expensive?!

The answer to anything related to insurance comes from the industry itself and this is no exception.

“Insurance rates differ from person to person and are based on a few factors,” says a noted specialist working in the Tri-State area and employed by an independent agency. “It all boils down to how much of a risk you as a driver may be.”

Eight Factors that May Affect Your Auto Insurance Bill

Some of the things that determine how much you pay for auto insurance are listed below.

• What Type of Vehicle you Drive
There is a clear difference between makes and models of cars in regard to safety. Moreover, higher-end cars attached to a bigger price tag are more attractive to car thieves and are more expensive to replace; they are also more expensive to fix after an accident.

• Your Address
If you live in a place that has a higher crime rate, your premium

Daycare Centers

Daycares, preschools, and private schools use buses and vans to transport children. These vehicles might be used on a daily basis or only occasionally. Children are extremely precious cargo, so your commercial auto insurance must be comprehensive enough to protect your academic facility, the children, your employees who are driving the vehicles, and others on the road. Your policy should be designed to handle medical bills, property damage, and liability issues that arise.

Trucking Company

If your trucks haul goods around town or around the nation, you need to protect your drivers, vehicles, and others on the road. Since your trucks and vans travel multiple miles every day, you need fairly extensive commercial auto insurance. These policies must cover much more than an average private auto policy. The exact coverage will depend on a variety of factors and would be best discussed with your trusted agent. He or she will have the experience to put together the right policy for you, your fleet, and your truckers.

Catering Companies

If you own a catering business, you need specialized equipment in your vans in order to safely transport foods and beverages. Not only

One of the most common types of car insurance is auto liability coverage. This type of coverage will pay for any damages if you are legally responsible for injuring someone in an accident, or if you cause any damage to another person’s vehicle or property during the accident. It will also pay for your legal defense and any court costs if the other party files a lawsuit. Generally, state laws dictate the minimum amount of auto liability coverage that each driver must have, but higher amounts are available.

Collision coverage is another type of car insurance that is available to drivers. This type of policy will cover damage costs incurred during collisions with other cars, collisions with stationary objects, and vehicle rollovers. To obtain this policy requires a deductible, meaning that the insured party must pay some costs out-of-pocket before the insurer will cover any costs. Deductibles are used to deter insured parties from filing frivolous claims.

Comprehensive car insurance is used to cover reimbursement for damage with causes other than collisions or rollovers. This includes damage caused by fire, wind, storms, vandalism, theft, hail, flooding, or hitting an animal. In many cases, obtaining this will