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California Auto Insurance Basics

Whether you’re driving down the breathtaking Highway 1 or “getting your kicks” on Route 66, driving in California is a wonderful privilege. Yet, each state carries its own unique set of auto insurance requirements, rules and guidelines. Here is everything you need to know about California auto insurance. Minimum Requirements According to the California Department…

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Competition Drives Down Price Of California Auto Insurance

Competition is good for consumers of California auto insurance. The National Association of Insurance Commissioners reported that the cost of auto insurance has gone down every year from 2005-2009, due to increased competition from various providers. According to their research, the ratio of car insurance cost to family income dipped from 1.25 to 1.05 percent, which…

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Texas Dept of Insurance: State Driving Insurance Information

Currently, the average cost of auto insurance in Texas is $1,661 per year — which ranks the state #12 in “Most Expensive Insurance,” according to a 2012 survey by Insure.com. Consumer advocates have been complaining that the cost of Texas auto insurance has been creeping up in recent years. According to a study by the National Association…

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California Auto Insurance Companies Offer Savings For Low Mileage Drivers

Did you know that you could be eligible for a discount of up to 45 percent if you drive less than 2,000 miles per year? Last year, two California auto insurance companies — State Farm and Auto Club of Southern California rolled out new incentives for people who drive less. How Do People Get Started?…

What Happens if Another Driver Makes an Auto Insurance Claim on my Policy

Many people wonder what happens if another driver makes an auto insurance claim against their policy. Before the matter can be settled, an investigation is conducted to determine which driver was at fault. That person, through his or her insurance company, is responsible for paying for damages to property as well as personal injury claims….

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How Do I Collect PIP Coverage Benefits

PIP, or “Personal Injury Protection”, coverage is required in states which have adopted the no-fault model for auto insurance. This is the part of the policy which pays for medical bills and lost wages incurred by the policyholder and the occupants of his or her vehicle. Unlike other types of auto insurance, PIP coverage follows…

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What Type of Auto Insurance is Best for a Fully Paid Off Car

If a vehicle owner takes out a loan to pay for his or her purchase, the lender will likely require that full coverage (collision and comprehensive insurance) be kept in place until it has been paid off in full. All drivers must have liability insurance in place to comply with state laws, whether the vehicle…

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Can I Negotiate with My Auto Insurance Company to get a Lower Rate

Drivers who have received a renewal notice from their auto insurance provider may be wondering if they can negotiate with the company to get better coverage rates. Unfortunately, an insurance company is not an entity that you can bargain with to get lower rates. Consumers do have the option to shop around to try to…

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Will My Auto Insurance Policy Cover Me in Another State

Drivers who will be traveling to other states while on vacation or for work purposes may be wondering whether their auto insurance policy will cover them while away from home. In most cases, an existing auto insurance policy issued in one state will provide the minimum level of protection required by law in another jurisdiction….

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Should I Buy My Home and Auto Insurance Coverage from the Same Company

Buying your home and auto insurance coverage from the same company makes good sense. Many insurance companies offer a multi-policy discount to customers, which means that you will be able to save money on the cost on your auto and homeowners’ plans. You will also find it more convenient to deal with a single provider…

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What Payment Options Do Auto Insurance Companies Offer

Consumers who are looking for auto insurance coverage may be wondering what payment options are available. Drivers will want to find a company which can offer a good level of coverage as well as one which has several payment methods for policyholders to choose from. Each auto insurance company determines which payment methods it will…

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