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What You May Not Know About Automobile Insurance
by: rateempire

 

Perhaps the most commonly purchased type of insurance is automobile insurance, also called driver’s insurance or car insurance. Although laws vary somewhat, virtually all states today require drivers to carry some sort of automobile insurance to legally operate a vehicle on public roads. The penalties for driving without insurance can range from fines to a suspended license or, in the case of repeated infractions, possibly even a short jail sentence. Given that driver’s insurance is required in pretty much every state, it’s worth having some basic knowledge about the subject.

Types and levels of Coverage

The type of insurance coverage a person needs, and how much they will pay for that coverage, vary depending on a number of factors, such as the age of the driver, his or her driving record, the age and value of the vehicle, the dollar amount of the coverage, and whether the vehicle is fully paid for. While insurance can get pretty complex, there are four types that everyone should be aware of.

Liability coverage is the most basic type of coverage; it protects the driver against any claims that might be brought after an accident or other incident that is the driver’s fault. This is usually the minimum coverage that a driver needs to be considered insured. Liability insurance usually has the lowest premiums, but it doesn’t cover any damage to the driver’s own vehicle; thus a lower monthly premium needs to be balanced against the risk of a potentially large financial burden. Also, most loan lenders require a driver to carry comprehensive coverage until the borrower has paid off the loan in full.

Collision insurance covers part or all of the cost of repairs to the driver’s vehicle in the event of a collision, based on an estimate of the project cost for the repairs. While collision insurance can definitely pay for itself in the even of a car crash, the monthly premiums are higher than simple liability. Most policies are also subject to a deductible, which means that the policy carrier is responsible for paying a set amount before the insurance company pays. Deductibles vary widely; generally speaking, though, the higher the deductible, the lower the monthly payments, and the lower the deductible, the higher the monthly payments will be.
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Comprehensive coverage is typically required for vehicles that are still in the process of being paid for. Many vehicle owners also carry comprehensive coverage for expensive or otherwise valuable vehicles. Comprehensive coverage covers damage that isn’t the result of a collision – fire, theft, vandalism, and so on – although the exact items covered can vary quite a bit from one policy to the next.

Uninsured Coverage protects you if an uninsured or underinsured driver hits you or your vehicle. Although insurance is a legal requirement in most places, that doesn’t mean that everyone on the road is insured. This type of coverage means that you won’t get stuck with the repair bill if someone less responsible than you involves you in an accident.

Each type of insurance is available at several different levels of coverage; the higher the coverage (in dollars), the higher the premium will be. Premiums will also increase if the driver is involved in an accident or receives tickets for traffic infractions. Additionally, premiums are higher for males than for females, for younger drivers, and for drivers in urban or higher-crime areas. Despite this, however, automobile insurance is a necessity for any responsible driver.

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DealerRater.com Helps Auto Dealers Turn User Reviews Into New Business
With more than 60,000 dealership reviews, the reputation management Web site is changing the way car dealers build and maintain their reputation. Dealerships are sending customers to write reviews on third party Web sites. (PRWeb Jan 7, 2009)

Read the full story at http://www.prweb.com/releases/2009/01/prweb1828424.htm

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Pedata RV Center Looking Forward to Offering Hybrids to RV Consumers
Pedata RV Center sees the introduction of new technology as a wonderful indicator of positive movement for the recreational vehicle industry. As financing problems arise to cast shadows, the introduction of amazing new technologies like the Fleetwood Hybrid offer hope for a brighter future. On December 26, 2008, Fleetwood Enterprises RV Group presented its Hybrid motorhome offering an increased fuel economy up to 42%. Pedata RV Center looks forward to offering the Fleetwood Hybrid to consumers. (PRWeb Jan 6, 2009)

Read the full story at http://www.prweb.com/releases/PedataRV/Hybrid/prweb1824444.htm

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CarZen Calls on Women to Become More Auto Savvy During Women's Self-Empowerment Week
Women have new & powerful tools when they search to buy a new car using online vertical car search and buying sites like CarZen.com. It's a new year and a new dawning for women who finally want to achieve "auto enlightenment." With a waning economy, auto manufacturers and dealers are offering incentives and deep discounts that have not been seen for half a century, CarZen is a powerful way to help women make the best decisions about a major car purchase. (PRWeb Jan 6, 2009)

Read the full story at http://www.prweb.com/releases/2009/01/prweb1827084.htm

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Harley-Davidson's Brand Strength Backs the Bottom Line- Sportster Motorcycles Guaranteed on Trade-In Value
Harley-Davidson recently announced it will guarantee the value of its legendary Sportster motorcycles by backing their trade-in value. (PRWeb Jan 6, 2009)

Read the full story at http://www.prweb.com/releases/harley-davidson/ride-free/prweb1827724.htm

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We strive to provide only quality articles, so if there is a specific topic related to automobiles that you would like us to cover, please contact us at any time.

And again, thank you to those contributing daily to our automobile inspection website.


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