5 Weird Things Covered By Comprehensive Auto Insurance

Detailed car insurance pays to repair or replace your vehicle if it is swiped, ruined or destroyed somehow besides in a crash. “Damaged in some other way besides in an accident” could consist of a variety of things. 5 Weird Things Covered By Comprehensive Auto Insurance are typically covered by extensive car insurance.

1. Fire

Have you ever driven by a car on the highway that is swallowed up in fires on the side of the roadway? You most likely understood fire would be covered if it happened as a result of a mishap, however suppose the fire started due to a mechanical failing? Whether that car caught on fire considering that it crashed or due to the fact that the engine decided to catch everything ablaze, thorough auto protection will presumably cover it.

2. Missile Strike

You probably would not be too stressed regarding car insurance since you possibly wouldn’t make it through if you are driving along and an arbitrary rocket strikes your car. If a missile strikes your car while it is parked, on the other hand, you’ll be happy to understand that your car insurance would certainly cover the damages if you have comprehensive protection.

3. Bear Assault

There could not be many bears in your location, however you might be within a couple of hour car ride away. A bear could do some significant harm to your car if a bear chose he didn’t such as the way you looked at him. Luckily, detailed car insurance would most likely have you covered.

4. Riot

Riots have in fact taken place recently in a few states, so this is a required coverage. Civil unrest can be harmful to companies and also, in most cases, random automobiles. Once more, your detailed protection would certainly have you covered.

5. Legal Representation

You could possibly be sued if you are at-fault in an accident and there are injuries. Many think that implies they will certainly be required to obtain the solutions of an attorney. You certainly can do so, however lawful assistance could be supplied by your auto policy.

                                               Auto Insurance

5 Weird Things Covered By Comprehensive Auto Insurance

Responsibility insurance coverage is typically the only kind of car insurance that is obligatory. Comprehensive coverage, on the other hand, is optional in the majority of states. Although a few of these unusual protections above appear very not likely to take place, various other points such as broken windscreens, flooding s, falling items, as well as wind could additionally be covered. Inspect your plan and with your representative to discover exactly what comprehensive coverage can do for you!

Comprehensive car insurance pays to fix or replace your car if it is taken, vandalized or destroyed in some way various other than in an accident. Below are 5 Weird Things Covered By Comprehensive Auto Insurance

Whether that car caught on fire considering that it collapsed or due to the fact that the engine determined to catch every little thing on fire, detailed car insurance will possibly cover it.

Fortunately, extensive car insurance would possibly have you covered. Responsibility insurance coverage is usually the only kind of car insurance that is compulsory.

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State Farm Car Insurance Review

State Farm Car Insurance Review is one of the leading companies in the auto insurance industry. State Farm has been in business since 1922. They have millions of locations throughout the United States. State Farm insures many vehicles and drivers daily. You can go into one of the offices located worldwide or you may go online to www.statefarm.com.

One thing that State Farm Car Insurance Review has for auto insurers is many discounts. There is multiple vehicle, multiple line, new vehicle safety, accident free, anti-theft device, defensive driving, good driving, good student, driver training, and steer clear safe driver discount. They have many discounts to help save. So if you are a good driver then you can qualify for many of the discounts State Farm has to offer.

State Farm has very good coverage when it comes to auto insurance. They require the individual to choose a deductible. If anyone does not know what a deductible is it is out of pocket costs to the insurer. This comes into effect when you have an accident. You can choose a higher deductible and have a lower premium or a lower deductible and have a higher premium. With State Farm the auto insurance policy covers yourself, your spouse, relatives in your home, and any other licensed drivers who have the permission to drive your vehicle.

State Farm Car Insurance Review

The different coverage’s include liability. Liability is for if you injure someone or their vehicle in an accident. Liability also covers any court costs and pays legal defense if need be. Liability insurance is what some people choose to get if they do not want full coverage under State Farm Car Insurance Review. You cannot choose liability insurance if you have a loan out on your vehicle.

Full coverage covers many different aspects in insurance. It covers what liability does plus personal injury protection, medical payments, collision, comprehensive, uninsured motorist, under insured motorist, rental reimbursement, and emergency road service. Therefore, many times it is worth it to pay the full coverage premium.

State Farm is the top company in the auto insurance industry today and offers the best discounts and premiums that you will find. They have been in business for many, many years and many more to come.

Get a Car Insurance Quote — State Farm Car Insurance Review

Choosing the right auto insurance can be tough, but State Farm^® makes it easier with our fast online quote process. We are there for you anytime, anywhere you need us, with helpful guidance and our Select Service^®program of auto repairers committed to providing quality auto repairs. More drivers choose us over any other auto insurer. Get your auto insurance quote today, and get to a better State^®.

Liability Coverage

How are you covered in case of an accident?

You were distracted while backing out of a parking space and didn’t see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.

Liability Coverage pays damages due to bodily injury and damage to another’s property for which you are legally responsible. If you’re sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Bodily Injury Liability may cover. Property Damage Liability covers damage to property and loss of its use.

How much coverage do you need?

Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more protection we will be able to provide to you. Limits higher than the state minimum might be the best choice for you.

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Car Insurance Is More Affordable Than You Think

There can be a great deal of challenging insurance lingo thrown away at you when you are acquiring auto plans. Car Insurance Is More Affordable Than You Think It can seem difficult to understand.This article could aid you recognize every little thing that insurance plan will certainly throw at you. Understanding what the insurance agents are stating is crucial if you to create smart policy investing in decisions.

A good way to lower your insurance costs is by decreasing your mileage every year. Many insurance service providers will actually reduce the quantity of your premium if you drive.

Maintain your driving record tidy. Your insurance will certainly be very costly if you have a great deal of traffic citations as well as mishaps on your driving record. If you cannot stay clear of these points, try decreasing your prices and also washing your document through web traffic institution.

Car Insurance Is More Affordable Than You Think

TIP! They sort of automobile you buy will play a huge duty in the price you spend for your insurance policy. If your options are refined and you pick an extravagant car, your insurance prices will reflect your selection.

You have lots of alternatives for insurance that covers more than just the legitimately called for minimums. Even though these choices will certainly increase your premium, the peace of mind they will give you will be worth it. Uninsured driver protection shields you when you endure damages to your automobile or yourself from vehicle drivers that do not have insurance.

Believe long as well as hard concerning exactly what type of protection is needed. There are various degrees of coverage, however it will certainly not make good sense for you to use several of them. If you find that you are involved in many accidents, you would be a good idea to pay for crash insurance coverage.

Reconsider acquiring costly add-ons for your car. Some points behave to have, yet ask yourself if the money you are investing is actually required. If your car ought to take place to be swiped or completed, those expense of those extra products will certainly not be covered.

Car Insurance Is More Affordable Than You Think

TIP! Think about increasing your insurance deductible to save cash. If you do not have the money accessible to pay your deductible, this can be risky.

Car pool or taking public transportation are great means to lower your auto insurance. Insurance companies are really happy with accountable and also driving much less miles is one method to show them.

Commercial property harm liability is an extremely important point to consist of in your auto insurance policy. This could cover any problems triggered to any other residential property in case you have an automobile throughout a crash. There are just three states that do not have this as a compulsory product.

Car Insurance Is More Affordable Than You Think

Make sure to shop around before selecting auto insurance. It could be the bargain of the year, or it may not be adequate insurance for you in any way. Try to discover more concerning the policy that you’re trying to start and also how it could assist you cover problems, if ever you get into a mishap.

TIP! Ensure to research the insurance rates in your area. Insurance rates could differ amongst geographical locations, as well as are impacted by regional criminal activity prices.

The very best auto insurance tip is to have a tidy record while driving. A car accident could bump up your insurance costs. Know your restrictions when driving, and also avoid risks that can cause accidents.

This can explode in your face if you have to make a big case, yet as long as you’re ready to reserve money every month to cover the cost of your deductible in case of a mishap, it is an excellent means to save money A high insurance deductible will certainly pay off in the form of a reduced costs.

Car Insurance Is More Affordable Than You Think

You should not purchase brand-new vehicles for teenagers. Instead, have your teen share a vehicle with other relative. Then, placing them on your auto insurance will certainly be considerably more economical. Great qualities at school could in fact provide an insurance discount.

TIP! Maintain a checklist of the various discount rates that they supply, and also meticulously read through the list to uncover whiches can be put on you. You will certainly be shocked at how you can reduce costs.

Don’t take the most affordable auto insurance quote you find.Cheap may say everything or it could possibly suggest you discovered a wonderful discover.

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Farmers Auto Insurance Review

Two men who shared a dream about providing affordable insurance for the average person startedFarmers Insurance Group back in 1928. They started in Los Angeles and have grown to be the third largest insurer of automobile and homeowners insurance. They also provide financial service products as well. Farmers Group is in 41 states and has around 20,000 employees serving more than 15 million customers. You can see in  Farmers Auto Insurance Review that  the company’s commitment to give you the best possible service at an affordable price.

Auto insurance helps protect your investment and in the event of an accident the loss that you may incur. Farmers Group helps you in many different ways to decide which direction your auto insurance needs may take you. A Farmers insurance agent will set down with you and work out a plan that will take care of your auto insurance needs. One of the many ways that The Farmers Group saves you money is through discounts.

Farmers Auto Insurance Review

Some of the discounts that maybe available to you are multi-car discounts, alternative fuel vehicles, air bags, teens with drivers training, are just some of the discounts available. You will need to talk to yourFarmers Group agent, as many times these will vary by state and how much the discount may be. Some may have more discounts than others depending on each states rules and regulations.

Farmers Insurance group provide all types of auto insurance coverage that you will ever need. Sometimes people are looking for a little more coverage in a certain area and Farmers Group can help you with it. By having a wide variety of coverage’s you will find something that fits your budget and needs. Customer service is another area that The Farmers Group really excels in. Many times companies forget how important this is, but not Farmers Group. There auto insurance agents take customer service very seriously and strive to do the best job possible. After you toss in affordable auto insurance terms, you can see why The Farmers Group continues to be one of the leaders in the auto insurance industry.

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How Car Insurance Companies Take Advantage of You

While some people call it a “rip-off” the fact is, car insurance companies have a lot of interesting facts behind the smoke and mirrors lets know How Car Insurance Companies Take Advantage of You .Think about it for a minute. If this were really true, you would simply switch insurance companies a couple times a year, until it became free.
Here’s how the business works in order to “save people $400 or $500 per year on average”

TACTIC #1 – Vehicle Depreciation

Let’s say you get an auto insurance policy. A couple years later, you decide to switch to another company

The new company says “You will now be saving $500 per year”

How Car Insurance Companies Take Advantage of You

During those two years with your previous insurance company, you car has been losing value as it ages, and gets more miles put on it.
Since the car will be cheaper to fix, or replace, in the case of an accident, it is therefore a lot cheaper to insure.

By NOT switching companies, chances are you will be paying a company way too much after even just a year, let alone 5 or 10.
Basically, the newer your car, the more it pays to switch more often, or convince your current company that they are over charging you.

How Much Are They Over-Charging?

Well, if you own a car that you paid $25,000 for, and were paying $150 per month for insurance.
After 5 years, your car would be worth about half of its original price.
Therefore, would it not make sense that the insurance should cost at least half as much? Plus additional discounts if you are a good driver.

How Car Insurance Companies Take Advantage of You

TACTIC #2 – Increasing Rates

Your insurance company benefits when you get into an accident or get a tickets in some cases. For example, when you get into an accident, they will usually increase your rates. In fact, some companies have built their reputation on signing people up with really cheap insurance, and then after a mark on their driving record, their insurance premiums shoot through the roof.
Increasing rates isn’t always obvious, or dramatic. Quite often, your rates will slowly climb over time.
Probably your best weapon against this is to regularly check rates with a new insurance company, as well as with your current one. Sometimes switching is not always best.

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Safeco Auto Insurance Review

When it comes to quality automobile insurance not all policy providers are equal. Many people make the mistake of having not enough auto insurance or the wrong type of coverage. Often times this is only discovered by the policy holder after an accident; when it’s to late.

Safeco is a reputable vehicle insurance provider offering a wide wide variety of coverage on automobiles, boats, motorcycles and many other types of vehicles. Safeco first entered the auto insurance business in 1953. You will have piece of mind knowing you’re dealing with an insurance company that has over 57 years of experience in the auto insurance industry.

Safeco Auto insurance can be an invaluable resource that can help protect the investment you have in your motor vehicle. You will be covered in the event that your vehicle is damaged by collision, fire, theft, vandalism and many other unforeseen circumstances. You will be able to rest easy knowing that you and your assets will be shielded against an accident related lawsuit. And you will be covered in the event that you are involved in a collision with a under insured driver, or a driver who fails to carry auto insurance. Safeco insurance also covers medical bills in the event that you or your passengers need medical attention due to an auto related accident.
By visiting www.Safeco.com you will have access to the many of the unique insurace policies offered. You will be able to make an informed decision about what policy is best for you and your family. At www.safeco.com you will have access to a free insurance quotes. This invaluable tool to find the coverage that works best for your needs.

Safeco also offers many advantages by allowing you to add unique optional coverage to supplement you auto insurance policy. Safeco refers to this as the Optimum package, which includes the following:

-Diminishing Deductible – decreases your collision deductible by $50 every six months you remain claim-free, up to a maximum of $500.

– Accident Forgiveness – the first accident on your policy is waived after only 3 years without an at-fault collision or violation while insured with Safeco.

– Waiver of Adjustment for Depreciation or Betterment pays for parts on those items that often wear-out (e.g. tires, breaks, etc.) when damaged.

– Pet Coverage – pays up to $500 for veterinary expenses or death benefit if your cat or dog is injured or dies in collision while in a covered or non-owned auto.

– Worldwide Rental – Coverage extends comprehensive and collision coverage (not liability coverage) to any rental car worldwide, subject to your policy deductible. Coverage provided under the base policy, including liability, is already extended to vehicles rented in the US and Canada.

– Comprehensive Deductible Waiver – waives the comprehensive deductible after a total loss.

– Electronic Lock/Key Replacement – Deductible Waiver will replace lost or stolen electronic keys and locks without applying your deductible.

– Emergency Expenses will pay up to $200 for expense due to vehicle disablement and up to $1000 for emergency transportation, meals, and lodging in the event of an accident more than 25 miles away from home.

– Liability Coverage for Punitive Damages waives the exclusion for punitive or exemplary damages (where allowed).

– Personal Property Coverage pays up to $1000 for items damaged or stolen from your vehicle.
Tapes, records, disks and other media covers up to $500 for tapes, records, disks and other media.

– Death Benefits pays a benefit of $2000 per fatality and any unused medical payments limit, if medical payments coverage applies to the policy. Pays a benefit of $2,000 per fatality if only Personal Injury Protection coverage applies to the policy ($4,000 maximum).

– Increased Loss of Income pays $400 per day when we request you attend a trial or hearing.

With coverage such as this, it’s no wonder that so many people are turning to Safeco for their auto insurance needs. So please stop in to a Safeco insurance representative, or go online and receive your free quote today.

You can protect yourself from this situation by visiting a Safeco Auto insurance agent or by visiting us atwww.Safeco.com .

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Auto Insurance Companies Are Equal? Here Is What To Look For?

Auto Insurance Companies are versus any sort of financial loss that might happen due to a mishap or theft of your auto. It is an auto insurance agency that issues auto insurance to you. A car insurance business will develop a car insurance strategy for you in the wake of looking at the changed decisions like the make from your auto, the premium that you consent to pay, your protection risk and so on.A yearly premium has to be paid by you to the car insurance company so that the company could pay for your sheds that you might bear in the future. All the terms are stated in the contract and also it is your responsibility as a car proprietor to look over all the points and also ask the insurance broker any type of questions that you want. It is just nevertheless the terms and conditions are clear to you that you should join the populated line and pay the costs.

Generally all Auto Insurance Companies have the same insurance plan. The costs to be paid and also the portion of losses to be covered in case of any type of accident might vary a little. Given that the car insurance market is very competitive, the premium rates as well as other terms and conditions virtually stay the very same.

Auto Insurance Companies plan may give apartment, responsibility and also insurance coverage depending upon the kind of policy. The commercial property protection covers losses for harm of the car or the theft of the car. Responsibility coverage pays for any kind of legal liabilities to other individuals for bodily harm or apartment harm. As well as medical coverage covers costs for dealing with injuries, medication costs and memorial service costs in case of a car accident. You could get the different kinds of coverage depending upon how much you intend to spend on your policy.

A auto insurance plan typically includes 6 types of protection. As pointed out prior to a customer could pick from the different types of coverage. Most of the car plans last from 6 months to a year. Your auto insurance firm will certainly bill you when it is time to renew your policy and also be gotten ready for a rate hike.

The various kinds of protection are:

1) Bodily Injury Liability.

This kind of obligation covers the expenses of injuries that you might create to somebody else while driving your car. Also the protection includes injuries created to a person while driving other individual’s car.

2) Medical Payments as well as Personal Injury Protection.

This sort of responsibility covers the expenditures for the treatment of injuries to vehicle drivers as well as other travelers. The responsibility also covers clinical expenses and memorial service expenses when it come to death.

3) Property Damage Liability.

This kind of obligation pay for damage to the other person’s car and your car. It could additionally consist of harm to light articles, telephone poles, fencing as well as other public residential property.

4) Collision.

This kind of responsibility covers expenditures for damages to your car or the various other individual’s car. Even if you are at fault, then also you will be reimbursed for the expenses of fixing the car.

5) Comprehensive.

This obligation covers sheds due to theft or damages to the car by something besides accident with an additional item or damage to the car because of fire, falling objects, explosion, quake, and so on

6) Uninsured as well as Under-insured Motorist Coverage.

This responsibility covers damages to your car by another vehicle driver who is uninsured.

The protections stated above are provided by all car insurance business. In almost all states, car insurance is compulsory. As a result, it is your duty as a car driver to have a policy.

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Is Rental Auto Insurance Necessary These Days?

Rental auto  insurance is constantly pushed at us when we rent a car, but is it really needed. Most people add rental insurance just so they will be covered, but this could be just an added expense they may not need. Let us look at your options and see if you really do need rental car insurance or is it just an added expense.

One of the first things you should do before renting any type of car is contact your insurance agent. Ask them if you are covered when renting a car for pleasure. In most cases you will be, but make sure you ask what the limitations are. Some insurance coverage will have limits even on rental cars so make sure you ask.

Rental auto insurance

Many credit card companies these days have rental insurance built into their credit card programs. You will want to look over the exclusions and see what is covered and what is not covered. What is covered by one card may not be covered by the other credit card. This is why you will need to check. Most credit card companies do not cover vehicles rented outside the United States so keep that in mind as well.

Rental Auto Insurance

If you work for a company that has a travel policy, you may want to see if they have rental insurance in their program. Many larger corporations do have this as a benefit for their employees. Ask to see the program and check out what is included and what is not. That way you will know if you need to purchase additional rental insurance.

The bottom line rental car insurance maybe covered by many things that you already pay for. If you feel you have enough coverage and trust it will be covered in case of an accident then forgo the added insurance. If you want more peace of mind than getting rental insurance maybe your best option. Many companies have exclusions so you will want to know them very well before turning down any type ofrental insurance. The key is to do your homework so you can make the best decision for your situation.

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Car Accident With Someone Without Insurance

Although you are required by law to carry car insurance in most states, you may be able to recover money for your injuries or damages from the parties at fault even if you do not have car insurance. If you were involved in an auto accident that was completely the fault of the other driver, not having insurance will not stop you from being compensated for your loss.

                                    car accident with someone without insurance

In some states you may be prevented from receiving full compensation for car accident bodily injuries if you were driving without insurance.For example, in California, a driver who is in a car accident without insurance is not compensated for pain and suffering even if that driver was not at fault. The driver in such a situation, who is in a car accident without insurance, is only compensated for medical bills and special damages. Special damages are direct monetary losses suffered by the injured individual, in the form of medical bills, lost wages, and the like.

Car Accident With Someone Without Insurance

On the other hand, if you are caught in a car accident without insurance in which you were found to be fully or partially at fault, you would be liable for the damages suffered by the other driver and could conceivably have to pay out of your own pocket!Additionally, being caught in a car accident without insurance in a state that has insurance law could subject you to steep penalties and fines.

Whenever you are involved in car accident without insurance, it is a good idea to consult with a car accident attorney, particularly one who deals with automobile accidents and personal injury cases. He or she would best be able to advise you concerning your rights and responsibilities with respect to the accident and how you should proceed in dealing with it. An attorney would also be able to advise you how to recoup any damage if you have been involved in a car accident without insurance.

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Car Insurance : Everything you Need to Know

Driving under the influence can have several disastrous effects on your personal life, and one of the unintended consequences of driving under the influence is seeing your car insurance rates rise afterwards. Here’s what you need to know about how driving under the influence affects your Car Insurance.

First, a little bit of background on driving under the influence. People who drive under the influence tend to repeat the risky behavior; in fact, an average drunk driver has driven drunk 80 times before his or her first arrest, and 50-75% of convicted drunk drivers continue to drive on a suspended license. Drunk drivers also skew towards the younger side, with 23% of drunk drivers in the 21-25 year age range. Since the average person metabolizes alcohol at the rate of about one drink per hour, 12 ounce beers and 5 ounce glasses of wine can pile up quickly, leaving the drinker unsure about their state of sobriety when preparing to get behind the wheel.
Unfortunately, two out of three people will be involved in a drunk driving accident during their lifetime, and drunk driving costs the U.S. an astonishing $199 billion per year. Convicted drunk drivers will also see a significant cost after getting a DUI. While Car Insurance rates are determined on an individual basis (depending on the circumstances), the average estimated increase in car insurance after a DUI is around $2,700.

Car Insurance

In most jurisdictions, convicted drunk drivers must apply for SR-22 insurance in order to earn back their driving privileges once the license suspension has ended (Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, and Pennsylvania do not require an SR-22 filing). The requirement for an SR-22 filing may be up to three years; however, you may still encounter higher insurance rates after the SR-22 is no longer required, because the DUI will still appear on your record.
Some unusual circumstances may arise that affect your insurance rates. For example, if a friend is pulled over for a DUI while driving your car, it will not affect your Car Insurance. However, a household resident’s poor driving record will affect the rates on the Car Insurance policy, and if a minor is convicted of a DUI, the insurance rates of the parents may increase as a result.
If your jurisdiction requires SR-22 filing after a DUI, it’s important to know the basics of the document. SR-22 insurance is a court-ordered document proving minimum liability coverage for insured drivers who have been convicted of various traffic offenses. In some cases, major insurers may refuse to insure a convicted DUI offender and may non-renew coverage. If an Car Insurance policy is cancelled or lapses, the insurer must inform the state authorities, which may lead to loss of driving privileges.
In the event that a driver switches insurers, the SR-22 must be refiled. If the driver moves to another state, he or she must fulfill the SR-22 requirement of the former state, even though he or she no longer lives there. Finally, most states require SR-22 insurance to be filed for three years. If the driver remains violation free within the filing period, he or she will no longer be required to file an SR-22.
Besides drastically changing your life for the worse, driving under the influence can come with a hefty price tag. If you need help filing an SR-22 or have further questions about car insurance after a DUI, contact Active Insurance Agency today.

Three Things You May Not Know About Car Insurance

For many people, auto insurance policies may as well be Greek. The different types of coverage, minimum requirements, and everything else can all be confusing without insider knowledge. While you can rely on your trusted auto insurance agent from Active to explain everything to you personally, here are a few auto insurance facts that you may not have been aware of:

What to Look for in a Vehicle History Report

Last week, we talked about how to prep your car for sale. This week, we’re going on the flip side by addressing what to look for in a vehicle history report when buying a used car.

How to Prep Your Car to Get the Most Out of a Sale

Selling a gently used car is a smart way to profit and possibly earn money towards buying a new car, but you don’t want to sell your car for less than what you could make on it. You can get a better return on your investment with a few quick fixes that will ensure your car is running smoothly and looking like-new. You can take on these car maintenance repairs yourself, or you can have a professional do them. Here’s your guide to quick and easy must-dos when preparing your used car to be sold.

Start with the obvious fixes. Sure, your car may be reliable and get great gas mileage, but your potential buyers aren’t going to be impressed if it’s not looking up to speed. Replace any old and worn-down floor mats and use upholstery cleaner on the carpeted areas. Remove old bumper stickers using bumper cleaner, and wax your dashboard to a polished shine.
Check the body of your car for any paint swirls, chips, scratches or dents. Color polish can take care of paint swirls and return brightness to sun-damaged paint. You can also pick up a touch-up kit to address any chips in your car’s paint job; this kit should include primer, paint, and lacquer that match the color of your car. You can take care of shallow scratches yourself with scratch repair products, but deeper scratches will need to be professionally filled and repainted. Similarly, leave repairing dents to the professionals (look for a paint less dent repair service so that your vehicle’s factory paint job isn’t compromised). It should go without saying that your car should also get an incredible wash before anyone comes to see it.
Next, make sure that your car is running smoothly. Begin by getting your car professional inspected so that you know what small problems you have to fix. Check your brake lights, headlights, and hi-beams to make sure none of them are malfunctioning or out (a potential buyer would be disappointed if such an obvious problem wasn’t fixed beforehand). Make sure your fluid levels are topped off and your windshield wipers are running correctly.

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Cheap Auto Insurance

Finding a cheap auto insurance policy that offers great coverage can be a challenging task if you don’t know some of the cheap auto insurance “tricks” of the trade. In order to get the best value for your money, you need to search for an auto insurance plan that suits both your needs and your budget. Rates vary from one auto insurance provider to another, so taking the time to compare car insurance quotes is very important. Finding the cheapest auto insurance quotes online is a snap with our free cheap auto insurance rate finder! Find the cheapest auto insurance companies – just enter your zip code in above to compare quotes from competing auto insurance companies now!

Factors That Affect Your Car Insurance Rates

Before you go shopping for cheap car insurance, you should be aware that there are several factors that may affect your premiums. Insurance companies calculate auto insurance rates based on your age, gender, marital status, location, driving experience and credit score. The number of miles driven each year, as well as the type of car you own may influence your rates.

• Age – The youngest and the oldest drivers are more likely to get involved in car accidents. That is why they usually pay more on auto insurance. After the age of 25, drivers can see a decrease in their rates.
• Gender – Women are safer drivers, so they get lower premiums than male drivers.
• Marital Status – Insurance companies believe that a married person is more responsible. In addition, married couples usually buy insurance for more than one car, which helps them receive a discount.
• Location – People who live in rural area spend less money on car insurance than those living in big cities or suburbs.
• Type of Car – Sports cars and luxury vehicles cost more to insurance than traditional cars. Insurance providers look at the likelihood your vehicle will be involved in an accident or stolen and how much it will cost to replace or repair.
• Mileage – The more you drive, the more likely you are to get involved in a car accident. If you only drive occasionally, you will qualify for a low mileage discount and save money on auto insurance.

The rates you will pay on car insurance also depend on your occupation, years of driving experience, driving record, accident claims and history of bankruptcy. Although you have no control over some of these factors, there are a couple of things you can do in order to get the best rates on your car insurancepolicy. 

Types of Cheap Auto Insurance

When shopping for cheap car insurance, it is important that you do a little research to learn more about the different types of coverage out there. Each state has minimum coverage requirements, but you need to evaluate your options and buy a policy that serves your interests. Here are the main types of auto insurance:

Liability Insurance

Most states require drivers to carry liability insurance. In the event of a car accident for which you are responsible, this type of insurance covers the medical bills, as well as the cost of repairing a house or any other property damaged in that accident. You may opt for bodily injury liability or property damage liability insurance. In case you decide to buy liability insurance, opt for a large amount of coverage. If you select limits that are too low, you will be required to pay out of the pocket for the amount above your limits. It is recommended that you purchase higher levels of coverage if you have a lot of assets to protect.

Collision Insurance

This type of auto insurance coverage pays for damage to your car as the result of a collision. The policy covers repairs, towing and other expenses less the deductible you choose. Insurance companies will only pay the value of your car.

Fully Comprehensive Car Insurance

As its name suggests, fully comprehensive car insurance offers extensive coverage in the event of an accident. This policy insures you against damage to your car, but it also covers medical bills, accidental damage, theft and fire. Since most insurance providers refuse to insure 100% of the value of a car, make sure you read the small print on your policy in order to find out what is included.

Uninsured/Under insured Motorist Bodily Injury

These two types of auto insurance pay for injuries to you and your passengers, as well as medical expenses and other damages caused by a driver who has little or no insurance. In some states, the number of uninsured drivers can reach 25%. Therefore, you should do some research and decode whether you need to buy this type of coverage or you can go without it. The amount of coverage you will receive when buying this type of insurance depends on the limits you choose. Keep in mind that the limits required in some states usually provide insufficient coverage.

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