Car Accident Insurance

Car accident insurance can come in a variety of shapes and sizes, with premiums differing between higher costs and lower costs, depending on a number of factors that include the driver's history, coverage desired, and mode of transportation. Individuals interested in receiving a free auto accident insurance quote can either call their local agent or receive a no obligation quote from an online source. Online policy quotes are offered by national and local agencies. Some agencies only specialize in certain types of insurance while others are generalized. Companies offering coverage compete with one another, and shopping around for the best rate offered is advised.

Some car accident insurance quotes are tailored for the at-risk driver. An at-risk driver is considered to be an individual who has one or more at-fault collisions, a DUI or any other serious driving offense, several tickets (paid and unpaid), multiple collisions, and gaps in their policy coverage. If any of these factors may apply, there are high-risk auto accident insurance coverage plans tailored in that area. Individuals that are already low risk drivers and are seeking to reduce their policy rates should drive a less expensive car, take the highest deductible an auto accident insurance policy offers, and drop collision and comprehensive coverage. "Hold thou me up, and I shall be safe: and I will have respect unto thy statutes continually." (Psalm 119:117)

Individuals interested in receiving low rate policies should have good credit scores. The credit score is a new determining factor in the rate of policy premiums. Even if a driver has a great driving record and an inexpensive car, he will receive higher car accident insurance rates if he has a poor credit score. Experts advise individuals to obtain copies of their credit reports from all three nationally recognized credit reporting agencies: Equifax, Experian, and TransUnion.

Once the credit report has been reviewed for inaccuracies (inaccuracies result in 25% of lowered credit scores), a strategic plan of action to raise the credit score should be arranged. Car accident insurance quotes should be gathered based on the new higher credit score if the driver would like to obtain auto accident insurance at the lowest cost. It is not helpful for these agencies to pull a credit report when offering a free quote, as every company that pulls a credit report results in a one point decrease in the individual's credit score. Be sure to shop around for the best policy by knowing the credit score ahead of time.

For more information: http://www.christianet.com/autoinsurance

Get Your Michigan Auto Insurance

Michigan residents should know what type of car insurance coverage they need to carry to comply with state law before purchasing a policy. There are different coverage types that are required in addition to the amount that needs to be purchased. Beyond those requirements are other alternatives that can be added to the policy according to the needs or desires of the policyholder. Finally, we’ll explain the easiest way to purchase MI insurance for a vehicle that can get the cheapest quotes.

MI State Auto Insurance Requirements
State law says that every driver in Michigan must carry the correct type of financial responsibility to legally operate a vehicle on public roads. The most common form of financial responsibility is purchasing an auto insurance policy. There are many, many companies throughout the state that offer a variety of policies at different prices for motorists to choose and purchase.

Like many other states, Michigan requires their drivers to carry bodily injury liability and property damage liability in a 20/40/10 minimum amount. This means that the insurer will pay up to $20,000 for the bodily injuries of the other driver and passengers per person and up to $40,000 for the bodily injuries combined. This coverage also will help cover court costs. The 10 in the 20/40/10 refers to the $10,000 that will be covered in property damage, and the insurer will pay for those repairs up to $10,000. These are only the minimal amounts required and it is recommended by experts for drivers to carry a 100/300/100 policy for bodily injury and property damage liabilities.

Michigan also requires drivers to carry two additional coverage types in their minimal insurance policy, personal protection insurance and personal injury protection. Personal protection insurance is in the amount of up to $1 million and pays for damages caused to other people’s property. It is similar to property damage but check with the individual provider to get the exact terms of coverage. Personal injury protection pays up to a certain amount for the medical bills and any lost wages for up to three years. It covers medical expenses of the policyholder, members of the policy and any passengers of the accident no matter who caused the accident. This coverage can be used in addition to the coverage of a healthcare policy. Personal injury protection is a great coverage for drivers who carpool regularly since passengers are covered under it.

Additional Coverage Options
There are other coverage types that can be added to the minimum state requirements to ensure full coverage on the vehicle. Comprehensive and collision are very popular types to add to a policy. Comprehensive insurance covers damage done to a vehicle that was caused by something other than a typical on the road vehicle accident. This can include weather related causes of damage such as strong winds or hail. Collision covers damage no matter who caused it. So, when in an accident that was the policyholder’s fault, their state required liabilities will go towards the other driver’s repairs and medical bills, and the collision coverage will go towards the policyholder’s vehicle for repairs.

Other options include protection for the policyholder from drivers who do not have auto insurance or who have a small amount of it and cannot pay for the full repair bill. Uninsured and underinsured motorist liabilities would be used in this situation, and it would be the policyholder’s insurer who pays for these damages incurred by the other driver who has insufficient insurance or no insurance at all. This coverage is actually required in other states.

A few other additions would be the towing coverage and the rental car coverage. Each of these are for the policyholder’s convenience. The towing coverage allows for a tow truck to haul the policyholder’s insured vehicle away from the scene of the accident to a body shop, and the rental car coverage forces the insurance company to pay for the rental car fees that occur when the policyholder’s vehicle is being repaired. Most often these are covered up to a certain amount and are not just a blanket amount covering however much the policyholder feels necessary. For example, some insurers only cover up to $25 a day or up to $50 a day with certain rental car coverage options. Find out which other options are offered by the insurer and their coverage terms to get the best coverage.

Find Michigan Car Insurance
Our method of getting quotes for Michigan auto insurance is the fastest and easiest way to get a number of quotes in a matter of minutes. Instead of taking time to contact each individual insurer and gather their data and prices over and over again, we ask one set of questions and then provide the list. Starting with the box asking for a local zip code, enter in the local residential zip code and watch for the next webpage to open. The next few questions are in regards to the driver, the vehicle to be insured, and the type of coverage the driver wants.

The information needed about the driver does not require the use of any really important personal information that could be used against them, such as a social security number or a driver’s license number. Instead, we only need the name, age, address, and past driving history of the driver. We can give an accurate quote as long as the information provided is honest and accurate. Please remember that although the personal numbers (social and license) are not needed, they will be taken if the driver decides to purchase a policy. This is done by the insurer, just like when a policy is purchased offline and traditionally on paper. The vehicle information needed will be the make, model and year of the vehicle, where it is kept, why it is driven and how often it is driven. Finally, the coverage and amount of that coverage wanted on the policy is needed. All of these things contribute to determining the final quote of the premium.

Finding the Best Car Insurance In Florida

If you are looking for the best way to insure a vehicle or two in the state of Florida, you have come to the right place. We offer a wide range of knowledge to the novice and intermediate drivers about auto insurance. There are articles posted about the different types of coverage that can (and should) be included in a policy, as well as how to find the right insurance company to get you coverage. Never again does a Floridian need to wander around wondering about the details of auto insurance. Taking advantage of our site and reading this article will help drivers learn more about how car insurance works in Florida and where to get it as cheaply as possible.

Do you know what’s required?
Are you aware that in order for people to legally drive in the state of Florida they must have declared a form of financial responsibility with the state? There are different types of financial responsibility that can be used. One type is the commonly used auto insurance policy. By purchasing a policy, you are showing the state that there is a way for you to pay for damages you could potentially cause in an accident. Technically speaking, this policy acts as a contract between you as the policyholder and the auto insurance company. They are agreeing to pay for certain damages made under certain circumstances once you have paid the deductible.

The minimum amount of insurance that is required for all drivers by the state legislation of Florida is $10,000 of personal injury protection and $10,000 in property damage liability. Of course there are quite a few additional types of coverage that can be purchased and added to a policy, but we’ll discuss those later on. Personal injury protection is a type of coverage that protects the policyholder, members of the policy, and passengers in the insured vehicle at the time of the accident. This coverage pays for the medical bills resulting from the accident, up to the purchased amount. It acts as a second healthcare insurance coverage for most people, but is a great help if a person doesn’t have health insurance. Drivers who host a carpool frequently will want to consider increasing this coverage to be able to pay for all passengers in the vehicle. It also will apply to the policyholder and the members if one of them happens to be struck by a car as a pedestrian.

Property damage liability is coverage where the insurer will pay to repair the damages you cause in an accident to another person’s property, up to the amount you’ve purchased. This can include another person’s vehicle, a fence, light post, building, or any other structure that does not belong to the policyholder or household member. In certain areas of Florida, more expensive cars are found on the road. The minimum amount of $10,000 would not be sufficient to cover any major damage or the replacement of an expensive luxury vehicle. The policyholder in this case would be expected to pay the difference in cost between what the insurer paid and the final cost of repair. Some experts recommend that drivers carry $100,000 of property insurance.

How to get coverage in FL
One way to find local insurers to provide coverage on the vehicle is by searching through phone books or Internet sites and contacting them individually. The driver could ask them how long they’ve been in business, what prices do they charge, and find out what types of coverage they offer. The insurer’s representative will then ask the driver for some information as well, such as their name, age, address, coverage wanted, type of vehicle to insure, among other things. When this information has been exchanged, the driver will hang up the phone and call the next insurer, and the same information will once again be exchanged. This could go on all afternoon or even longer, and it’s a deterrent to someone who does not want to waste their time but still find a great policy in Florida.

Instead of going through this process, our site offers a way for Florida citizens to answer only one set of questions, one time, and end up with a list of quotes from local insurers who are interested in providing their services. These questions only take a few minutes and are centered around the driver, the vehicle, and the coverage wanted. We will need to know who the driver is, how old they are, where they live, and details about their driving record. We do not require the use of a driver’s license number or a social security number. We feel that as long as the applicant provides honest and accurate information throughout the questionnaire, correct estimates can be provided on the quote page. Also needed is information about the vehicle, such as the year, make, model, where it is parked at night, how many miles it is driven and its main purpose. Finally, telling us which type and the amount of coverage desired to be purchased will end the questionnaire. We take all of this information and give it to the insurers who come back with their estimated quote of how much it would cost for you to have their insurance.

After reviewing the given quotes, the driver can choose a policy and purchase it right then online with a credit card. However, there is no obligation to purchase anything nor is there any limit as to how many times a person can use our quote comparison tool.

Additional Coverage For Your Policy
A motorist who wants full coverage for their vehicle will need to go beyond the state minimum requirements and purchase more coverage types. Below is a list of additional types that can be added to a policy:
Bodily Injury Liability: This coverage is required in most other states, and provides medical care for the other driver when the policyholder (you) is responsible for the accident.

Uninsured/Underinsured Motorist: Pays for the damages that occur to the policyholder (you) caused by another motorist who is either uninsured or does not carry adequate insurance.

Comprehensive and Collision: These are two separate coverage options that are usually sold together. Between the two of them, the policyholder’s vehicle will be covered by the insurer no matter what or who caused damage to the vehicle.

Florida is a great state with plenty of sunshine and roads to explore. Make sure you’ve got the right type of car insurance at the best rates. Compare Florida auto insurance rates here with us to get the lowest price.