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.

TIP – raise your deductible amount to the highest level you feel comfortable with, if you are safe driver with few claims this will greatly reduce your annual premiums.

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.

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.

Tip – Raise your deductible amount to the highest level you feel comfortable with, if you have had no claims in the last few years you could save a lot of money by carrying a $1,000 deductible. You only pay this amount when you have a claim that your carrier pays.

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.

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

When can an auto insurance company here in Wisconsin cancel an auto 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

I am expected to give birth to a baby girl this January. It’s out first baby and everybody in the family is so excited about it. My husband and I are planning on everything and making sure that our angel will get the best in life. I just need a little advice regarding auto insurance policy. Now that we’re adding a new baby in the family what are the things that we should consider now? Are there things that should be changed regarding our car insurance policy? Before I forgot, we are from Maryland.

Jean

Silver Spring, MD

Congratulations Jean! I hope you’ll have a healthy baby girl!

As to your question, let me just give you three simple steps that I’ve read from the Maryland Insurance Administration (MIA) regarding auto insurance polices for families who are just starting:

First, you have the option to increase your liability coverage. The reason is simple, your family is increasing and thus, the risk for accidents also increases;

Second, since you are starting a family, it’s given that your assets are also increasing, thus it’s also advisable for you to get umbrella policy. This would back you up in an event that you are involved in an accident and the liability coverage you have is not enough to cover the other party’s damages. The umbrella policy would kick in by protecting your assets like vehicle and house which the other party may go after to collect the claim.

Third, since you’re married and assuming you haven’t merged your auto insurance policy yet with your husband, then I would advise you do so. By doing this you would save on your car insurance premium.

If you have more questions about car insurance in Maryland you can always ask your auto insurance agent or even the MD Insurance Administration.

My husband just lost his job. I have two teen daughters who are both studying. Things are not doing very well for my family. I must say this is the worst year we ever had. I’m having so much problem making ends meet. Bills keep coming up and unpaid bills keep piling up. Both my teen daughters are under my auto insurance policy and that only makes matter worse. Having two teen daughters just make my auto insurance rate to go up. Can you give me some tips on how I can lower my auto insurance rate in Arizona? I really need all the tips on how to save on my car insurance premium.

Millie

Glendale, AZ

I’m sorry to hear that. I hope your husband would get another job the soonest possible time.

As to your question, I heard from my uncle (who is an auto insurance agent himself here in Arizona) that there are several discounts that auto insurance companies offer. These discounts are:

• If you’re a good driver and is not involved in any accidents;
• If you get insurance both for your home and vehicle under the same insurance company;
• If you have several vehicles under your auto insurance policy;
• If your teen daughters are getting good grades;
• Raising your deductible amount,  and
• If you have safety features in your car like automatic seat belts, airbags, etc.

In addition, increasing your deductibles for collision and comprehensive coverages would also decrease your auto insurance premium. Ask you car insurance agent now in Arizona to see if you could get those discounts.

I am planning to purchase car insurance in Mississippi. Any tips you can give me? I really need some help. Thanks in advance!

Kelly

Gulfport, MS

Hi there Kelly!

According to Mississippi Insurance Department, you can purchase auto insurance in three ways:

First, through internet and phone, which means directly to the car insurance company itself;
Second, through an independent auto insurance agent which represents different car insurance companies; and
Third, through a captive agent, who represents just one auto insurance company.

It is strongly recommended that you get auto insurance quotes from different auto insurance companies. By doing this, you’ll be able to compare auto insurance rates. In addition, be aware of the discounts that insurers offer. There are different discounts like for example if you have several vehicles and have it insured under one auto insurance company, if you work as a farmer, if you’re a student with good grades, and a lot more.

Also bear in mind that you could also qualify for a discount if you have car safety features installed in your car like anti-theft devices, air bags etc. In general, you can get as much as 5% discount for having these devices.

If you are planning to enroll in a defensive driving class then do so. Because by doing this you can get a discount on your collision and liability premiums. This also applies if you are a young driver who took driving school class. On the other hand, if you’re 55 years old and above, you still can get car insurance discount provided that you’ve enrolled and passed driving course for mature drivers.

For more information on auto insurance, feel free to ask your car insurance agent. You can also start looking for auto insurance quotes in Mississippi by using the websites now.

My sister will be moving soon to Greater Newark, Delaware to start a new life. She just also landed a new job here. I just wanna know, what are the things that affect the car insurance rates here? I don’t have a car so I’m totally clueless when it comes to car insurance. Any suggestions you can give me so my sister could save on her auto insurance rate? Thanks!

Louise

Rate Greater Newark, DE

There are a lot of things that affect auto insurance rates in Delaware some are controllable and unfortunately some are not.

So here are the things that car insurance companies usually consider when setting their auto insurance premiums:

• Type of car. Expensive car means higher auto insurance premium and so inexpensive car means lower auto insurance rate;
• Driving record. Good driving record means low risk driver thus lower premium;
• Cost of coverage. The state of Delaware has minimum limits for each required policy. Thus, going beyond the state required limits means higher rates;
• Driving Miles. The more you drive everyday, the higher the risk of getting involved in a car accident, hence the higher your auto insurance rate;
• Age. The younger you are, the more expensive your premium would be, specifically if you’re below 25 years old; and
• Gender. Since your sister is a she, you don’t have to worry, she’ll get higher chance of being charged for lower premium because of her gender;

Those are just some of the factors that affect auto insurance rates in  Delaware. For more tips, you can ask the Delaware Insurance Commissioner & Department of Insurance.

My boyfriend is gonna get his auto insurance in Ventura, California. We are somewhat skeptical about the information that will be asked from him since we do value privacy so much. We just wanna be sure on what are the usual and normal information that will be obtained from him in getting car insurance here?

Viviana

San Buenaventura  CA

Hello Viviana!

According to the California Department of Insurance Fact Sheet that I have read, it is normal that car insurance companies will get several information from a person who is applying for auto insurance. This is done to make sure that a person is eligible to get a car insurance policy and set the auto insurance rate depending on the company’s guideline.

Some of the usual information obtained would be: driving miles, driving experience, and driving records.

For most auto insurance companies, they would order a Motor Vehicle Report (MVR) for all the drives that are listed on the auto insurance application. In addition, MVR includes all the driving record of a particular person together with traffic violations, car accidents, and suspension of the license that the person had.

If you are looking for car insurance rates in California, you can use this website by entering your zip code now.

My friend is asking me for help on things that are needed to be considered in buying car insurance in  Idaho. We’ve already discussed the factors affecting an auto insurance rate. Are there other things you could suggest to us? I’d be glad to hear from anyone an answer to this. Thank a lot in advance!

Bianca

Nampa, ID

Hello Bianca!

It’s nice to know that you’ve already done some research on buying auto insurance. Since you already know the things you need to consider let me just share to you some tips that my boyfriend gave me when I purchased my car insurance in Nampa, Idaho:

First, make sure to fill out the application form completely and in all honesty;

Second, never sign a blank application form;

Third, never pay the auto insurance agent in cash. Make sure to pay in check to the car insurance company and don’t forget to include the kind policy that you are paying for;

Fourth, if you are turned down by a car insurance company, demand an explanation in writing;

Fifth, do not purchase a policy because of the budget alone, make sure to consider the coverage and the kind of service you will be getting;

Sixth, choose a car insurance agent and company that are trustworthy;

Seventh, ask for the discount that the insurer offers that you could avail; and

Lastly, ask for the savings you could get in choosing higher deductible.

If you have any other questions about buying car insurance in Idaho you could also ask the Idaho Department of Insurance.