Car Insurance For One Month?

Reader’s Question:

Is it possible to buy car insurance for just a month or so? Can I do that?

Francis

Los Angeles CA

Many insurance companies propose insurance for six or twelve- month terms but you don’t need to fully pay this at the start. Ideally, one only does a down payment then pays the rest on the succeeding payments. The requirement on the minimum down payment differs per state, but is 25% of the policy premium most of the time.

You can buy insurance for the shortest term offered and ask for it to be cancelled after a month. Most of the time, you will have to write a letter in order to make this request. In some cases, you will have to supply additional information and may be asked for an early cancellation fee if you do the cancellation mid-term. For some states, they do have pro-rated cancellation refunds.
For those states with mandatory insurance laws entail proof of other coverage or evidence that there is no insurable interest, such as when one opts to sell the car, or if one moves the car out of the state just to cancel within a particular amount of time, which is usually 60 days.

Collision And Comprehensive Insurance Coverage

Reader’s Question:

My vehicle is one a half year old. I would like to know if I still need to carry collision and comprehensive?

Tammy

Detroit MI

 

Collision and comprehensive insurance coverage is an optional coverage in every state. This type of coverage are usually required if you are paying off your car from a lienholder.

Collision coverage in your policy provides coverage to your own car resulting from collisions to another car or object. Comprehensive coverage covers your car due to variety of other causes such as fire, falling objects, flood or theft. However, the value of your car plays a big part in determining your need for this type of coverage. Since you have a one a a half old car you should get Comprehensive and Collision coverage on it.

It is more economical to pass on the risk of your new car to the car insurance provider. Basically, it would cost less to get car insurance for your vehicle than it would to have to replace it out of your own pocket. If you are leasing the car then you are required to get Comprehensive and Collision coverage on your car. The lienholder will require that you show proof of this coverage. If you do not provide them proof that you have this type of insurance then they would force place the collision and comprehensive for you and add the cost of it to your loan balance.

Cheap Insurance Policy Pennsylvania

Reader’s Question:

I have been doing a lot of shopping for cheap car insurance policy by browsing the yellow pages here Pennsylvania. I also want to try the Internet for my shopping. Is that a good idea?

Jennifer

Philadelphia, PA

Yes, you should try to shop for cheap insurance policy Pennsylvania through the Internet. This is a quick and efficient way of shopping for car insurance policies. Many car owners have been able to get cheap car insurance through the Internet compared to shopping via the yellow pages, and it is easy to understand why.

The Internet is considered as the best way for shopping cheap insurance policy Pennsylvania. You do not have to spend a lot of time calling up insurance companies and their agents and brokers. All you have to do is to log on to a car insurance website and enter the important details of your car, plus your personal information. After a few seconds, you can get a cheap car insurance quote.

Once you get the said cheap car insurance quote, you can easily determine if it fits your budget. If not, you can continue your shopping for cheap insurance policy Pennsylvania. Visit another website and compare car insurance quotes until you find one that is good enough for your taste and budget.

Cheap Online Car Insurance

Reader’s Question:

What is the difference between cheap online car insurance and insurance that you get the conventional way? Are the instant quotes online reliable?

Peter

Portland, OR

Peter, you know, the answer to your question is much simpler than anyone would think. The only difference between cheap online car insurance and the insurance policies that you get the non-digital way is just the manner by which you acquired the insurance.

Getting cheap online car insurance saves you much time, effort and money because you do not have to go to numerous car insurance companies or to call them yourself one by one. You just need to have the basic knowledge in computers and, of course, Internet access, then, voila, you could finish your cheap car insurance application in a matter of minutes.

On the other hand, getting insurance the more familiar way gets you answers to your questions immediately. It is because the agent or broker is right there with you to explain any confusion or any concerns that might arise. Needless to say, you then get the sense of security that you are dealing with people who understand your needs and not just a program designed to give you instant car insurance quotes.

Now, regarding your question on instant quotes you get online, all I can say is that the quotes are just as reliable as the company from whom you are getting the quotes. You should always check the list of accredited companies to be sure. You can find this on the Web site of your state’s Insurance Department.

So, there you go. I hope I answered your question.

Car Insurance Coverage New Mexico NM

Reader’s Question:

I am quite confused with this so I’m hoping someone could help me. I have car insurance on my vehicle. If I am going to borrow a car that is not insured, meaning there’s no insurance on that car, will my personal car insurance cover the uninsured car while I’m driving it? Or it will not?

Mindy

Santa Fe, NM

In general, if a person is driving another car, the car insurance on the vehicle that a person is driving, let’s say on the borrowed car, is the primary car insurance while the personal car insurance that the driver has will be the secondary insurance.

Meaning to say, if the person driving the borrowed vehicle met a vehicular accident, the auto insurance on the borrowed vehicle will primarily covered for the damages incurred and any excess of damages will be covered by the driver’s (the person who borrowed the car) personal auto insurance.

Even if you have your own personal car insurance but you are caught driving a vehicle without car insurance it is still against the law. Driving a vehicle that does not have car insurance often results to being penalized by the law and normally this kind of violation involves costly fines, suspension of license and registration and even impoundment of the vehicle.

As to your question if you are still covered, I would say it’s best to ask this to your car insurance agent. This still depends on the law in your states, your auto insurance policy, and even the terms and conditions that are included in your policy.

But to avoid any inconvenience on your part, I would suggest do not drive a vehicle that is not insured. This is for your own safety also. It’s best to be driving safely at all times.

Tags: auto insurance, auto insurance coverage, car insurance law, car insurance online

Driving without Auto Insurance Minnesota MN

Reader’s Question:

I have a 17-year old nephew. I heard that he was caught driving without auto insurance. For being a minor, what possible penalties will he be facing with that kind of violation? Will the law be more lenient considering that he is still considered a minor? Or is it just the same? Will he be punished like an adult individual?

Fe

Eden Prairie, MN

I am not so sure if there is a different penalty for a minor being caught driving without car insurance. But from my own opinion, I don’t think there is. To be sure, please do check with the Minnesota Department of Motor Vehicles.

Going back to your question, given that there is no difference whether a minor or an adult is driving without car insurance the punishment includes having the driving privileges of your nephew revoked or suspended and he even has to pay for some fines. However, if your nephew has indeed auto insurance at the time that he was caught driving but he only failed to show it, then he can have the charge dismissed provided that he can prove that there is an existing car insurance at the time that he was cited.

I do hope all will be ok. Just don’t forget to remind your nephew to drive safely and always make sure that he has car insurance.

Tags: auto insurance, car insurance law, car insurance online

Car Insurance and Medical Expenses Delaware DE

Reader’s Question:

If I have caused an accident here in Delaware, will my car insurance company pay for my medical expenses?

Michael

Wilmington, DE

Since the State of Delaware observes the no-fault act, then yes, your medical expenses will be covered by your car insurance company if you cause an accident. This means that you should have the minimum no-fault insurance or Personal Injury Protection (PIP) of fifteen thousand dollars that pays for medical care and rehabilitation for one person, or up to thirty thousand dollars for medical care for all persons in the car. Also included is an amount up to five thousand for funeral expenses. PIP also provides you and the other passengers with financial assistance due to lost wages.

However, a policyholder will be denied of no-fault insurance benefits if found to be driving under the influence of alcohol or any other controlled substance that contributed to the accident. Also, if he or she is found to have intentionally caused the injuries, then he or she will definitely be denied car insurance coverage. Riding or operating an all terrain vehicle (ATV) or a motorcycle is another reason for denial of benefits. However, a pedestrian struck by an ATV or motorcycle is covered. Policyholders who were injured in a car accident while committing a felony will also be ineligible for financial assistance. Likewise, driving a stolen vehicle will merit negative points and will surely be denied no-fault insurance by the company.

Tags: DUI, liability insurance, no-fault

Bodily Injury Insurance Coverage Nebraska NE

Reader’s Question:

I will be buying my first car soon. And I’m doing a lot of shopping for my auto insurance. I’ve got one big question in my mind now. How much bodily injury coverage do I really need in Nebraska? What are the things that I need to consider in setting the limits for that coverage?

Tammy

Omaha, NE

Hi Tammy!

I totally understand where you’re coming from. I know it’s quite confusing when it comes to buying auto insurance for the first time. But you don’t have to worry, help is here.

Let me first define what bodily injury coverage is. If you get involved in an accident, this kind of auto insurance coverage backs you up in the way that it provides coverage for bodily injuries suffered by the other party involved. In addition, this may also give you support for legal assistance that you may need if the other party decided to sue you.

First thing you need to consider in setting your liability limits is what does the state of Nebraska require? The required minimum liability limits in your state is 25/50/25. This means minimum limits of $25,000 for one person/ accident; $50,000 for all injuries/accident; and $25,000 to cover damages to property.

Now that you are aware of the minimum requirements, you know that you cannot go below those limits. The next question is how much do you have to pay? Only you can answer that. But let me give you some tips that you need to consider. If you chose to have limits that are low, remember that you may be putting your own self (or your loved ones under your policy) in a financial risk. If you get involved in an accident and the damage are way beyond your limits, you have no choice but to pay for the damages from your own pockets. If you do not have enough savings, then you may find yourself in a situation of liquidating your properties just to make ends meet.

I hope I was able to give you some insights. Also, don’t forget to seek the help of your car insurance agent in Nebraska. And do drive safely all the time.

Tags: auto insurance, auto insurance coverage, car insurance online

Affordable Business Car Insurance Texas TX

Reader’s Question:

Hi! I am on the wool making business in Texas. I noticed that business is booming and I have trouble getting stuff delivered from different places. So I plan to get a new or 2nd hand pick-up truck. This is my first time to buy a vehicle and I don’t know the ins and outs of this insurance thingie.

Ernie

Houston TX

There are ways to search for an affordable car insurance rate in Texas. It is necessary to shop around and it wont be too difficult to achieve. First thing you need to know are the terminologies used by auto insurance companies. There are a lot of websites that will help you define terms such as deductible, liability, coverage, policy and many more. Being knowledgeable about these terminologies will surely provide you a lot of help on finding an affordable auto insurance company. Once you get the hang of these terms, you’d be able to understand what the coverage or policies are talking about. Next on the list is to check what types of coverage auto insurance agencies are offering. Mark the ones that are only needed. After that, get the list of the quotes from the list of auto insurance company that you plan to choose. Chances are, you almost narrowed down the number of auto insurance company on your list. Take some more time on finding similarities in coverage and differences in rates and you’ll be able to notice which company is offering the lowest.

To save more on insurance rates, ask about discounts. Most auto insurance companies give discounts on person who have good grades (if you’re still a student) or your age (yes, age matters when acquiring an insurance quote). Inquire also if they are offering multi-policy to be able to get more coverage thus saving you more money.

 

Tags: auto insurance, cheap auto insurance

Cancellation Period for Automotive Insurance Policies Wisconsin, WI

Reader’s Question:

When can an auto insurance company here in Wisconsin cancel an automotive insurance policy?

Sharon

Milwaukee, WI

Auto insurance companies normally cancel new policies within sixty days upon the signing of the contract. They may give you the reason for the cancellation if you request for it; however, it is not a compulsory action for them. A cancellation is also possible, even after the sixty-day period, if you do not pay the premiums when they are due. Also, your auto insurance policy may be cancelled if you are found guilty of a fraudulent claim. If the auto insurance company cancels your policy for the said reasons, you will be given a ten-day notice before the cancellation takes effect. This notice will come in the form of a mail.

If you are renewing your auto insurance policy, you may also face the possibility of nonrenewal. Auto insurance companies use varying measures in evaluating auto insurance policies. If the insurance company decides not to renew your policy, it should send you a notice, detailing the reasons for the nonrenewal, sixty days before your policy expires. This should give you enough time to find another auto insurance company who would accept your auto insurance application.

If you cannot find an auto insurance company who would want to give you coverage for your vehicle, you could still be insured by getting the Wisconsin Automobile Insurance Plan. Contact any licensed property and casualty insurance agent to know more about this.

Tags: auto insurance, auto insurance policy, auto insurance premium, Car Insurance Company

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