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Auto Insurance FL Regulations
Like most states, the State of Florida requires its drivers to maintain auto insurance FL financial responsibility for their actions while on the road. However, unlike most states, regulators of auto insurance FL do not require their drivers to maintain bodily injury liability coverage. When it comes to...
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The Basics of Auto Insurance Florida
When it comes to auto insurance, Florida is a no-fault insurance state. Auto Insurance Florida requires drivers to maintain personal injury protection (PIP) and property damage liability (PDL) coverages, often called Florida’s No-Fault, or Auto Insurance Florida, requirements. In most cases, bodily injury liability (BIL...
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Shopping for a Policy? Be Sure to Ask for the Following Discounts!
When you're shopping for a new policy and comparing multiple insurance carriers, be sure to ask for the following discounts to get the lowest rate possible. Here are some of the common discounts you might want to ask about (if they apply to you): Good Driver. Some...
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Auto Insurance Basics - Getting Started
Quite simply, driving without liability auto insurance is illegal in almost all states. Penalties for not purchasing insurance vary by state, but often include a substantial fine, license and/or registration suspension or revocation, and possible jail time. Insurance protects you, and others, from major financial burdens in...
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What California Drivers Can Expect in 2013
The people of California have spoken and changes are underway. As of January 1, new California laws are active and drivers are expected to be mindful. While there haven’t been any changes to financial responsibility laws and driving obligations, the newly implemented changes are designed to make...
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Two drivers, Same Policy, One Accident...Who Pays?
It may seem unusual, but accidents involving drivers on a single policy are not uncommon. These accidents are so common that insurance companies have clearly defined procedures for handling them. Sure, there are exceptions to the rule and special circumstances may apply. Still, the process is less extensive...
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First Steps to File an Auto Insurance Claim
When you’re involved in an accident, it’s easy to misplace information and forget to acquire necessary information. Even if everyone’s remains unharmed and only your vehicle is damaged, it is possible to forget something. Overlooked steps and incomplete information can adversely impact the auto insurance...
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Maintaining Cheap Auto Insurance
No one wants to shell out tons of money for something they think they’ll never use, so finding cheap auto insurance is a common undertaking for most drivers. Unfortunately, most people wait until an outrageous insurance bill arrives before beginning their search for cheap auto insurance. While...
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No Fault Insurance in Florida
With nearly 13.5 million licensed drivers, regulations for no fault insurance in Florida are designed to protect drivers, passengers and pedestrians. While no fault insurance in Florida provides drivers with more coverage options than other states, the regulations for no fault insurance in Florida are inflexible and...
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How to Prepare for, Review and Purchase Instant Insurance Quotes
There’s no shortage of instant insurance quotes. Most, but not all, insurance companies offer an online application that provides instant insurance quotes and it’s quite convenient. Answer a few questions; make a few selections, and suddenly, you have instant insurance quotes. While its produces quickly, your...
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Selecting Car Insurance Brokers
Car insurance brokers are personal insurance shoppers that can quote insurance rates from more than one carrier and sell the rate you choose. As car insurance brokers, the individuals are not bound to one insurance carrier and sell as many different carrier options as their car insurance brokers...
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Find Cheap Insurance Quotes
Affordable auto insurance policies begin with cheap insurance quotes. In order to secure affordable auto insurance however, your cheap insurance quotes must be accurate. To ensure that your cheap insurance quotes remain cheap after your purchase is complete, consider a few important factors while filling out those applications...
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Insurance Companies Florida Fast Facts
Florida, a no-fault state, requires drivers to maintain PIP with property damage liability (PDL) to meet the insurance companies Florida regulations. Though insurance companies Florida regulations only require PIP and PDL, policyholders can select additional insurance companies Florida coverages. The minimum insurance companies Florida coverages often provide...
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How to Get Cheap Insurance Florida
Many factors influence cheap insurance Florida policies but Florida’s high rate of uninsured drivers has the greatest impact. With 23% of drivers failing to carry any cheap insurance Florida coverage, finding truly cheap insurance Florida policies can be challenging. Though many external factors impact the availability of...
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Cheapest Auto Insurance
According to the US Census, there were nearly 11 million motor vehicle accidents in 2009 alone, and thanks to distracted drivers and other common causes, it’s likely that the number has only increased since. Driving without auto insurance is not only illegal in most states – it’s...
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Protect What Matters Most To You With Car Insurance
It seems odd, but when one thinks about it, the car one drives is close to being a member of the family. It's there to take people where they need to go, acts as a storage space as needed, and without it, a lot of people would...
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5 Tips for Choosing Low Cost Insurance
Finding low cost insurance that truly meets your needs can be a challenging process. You have to understand your new coverages and policy requirements, sign new documents and depending on your state, you may have to complete a vehicle inspection. So, once you’ve found the low cost...
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Auto Insurance TX Regulations
Auto insurance TX laws mandate drivers to maintain bodily injury liability limits (BI/PD) of $30,000 per person, $60,000 per accident and $25,000 in property damage liability (30/60/25). These auto insurance TX requirements apply to each of Texas’ nearly 13.5 million private...
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Texas Auto Insurance Requirments
In early 2011, the department of insurance increased its minimum Texas auto insurance requirements. To comply with the new Texas auto insurance requirements, drivers must carry bodily injury liability limits of, no less than, $30,000 per person and $60,000 per accident with $25,000 of Texas...
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California Auto Insurance Discounts
With insurance premiums averaging nearly $1,800 per year, California was ranked #5 in 2010 as one of the most expensive auto insurance states. While California auto insurance policies can be rather pricey, California auto insurance discounts certainly help to bring the premium cost down. Many California auto...
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Car Insurance Florida
The State of Florida requires that all drivers be covered under car insurance Florida property damage liability (PDL) and no-fault auto insurance (PIP). Proof of car insurance Florida must always be carried within the vehicle at all times. Also, since Florida has a lot of seasonal residents...
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The Smartest Ways to Find Cheap Insurance for Car
Finding cheap insurance for car involves more than just bargain shopping for cheap insurance for car. To successfully find cheap insurance for car, you must understand your coverage needs and know what you consider to be cheap insurance for car. Auto insurance policy premiums can range from a...
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LA Auto Insurance
With nearly 24 million drivers in California, LA auto insurance drivers account for nearly 20% of those drivers. This doesn’t include drivers from surrounding areas that commute daily throughout LA. With millions of drivers in the city, LA auto insurance is not only required, it’s smart...
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NJ Car Insurance
New Jersey is a “no-fault” state with coverages that are slightly different from other states. NJ car insurance laws mandate drivers to carry personal injury protection (PIP) and property damage liability (PDL) coverages. NJ car insurance requirements also require drivers to choose between standard and basic policies...
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What You Need to Know Before Switching Insurance Companies
With the economy as slow as it is right now, we’re all looking for new ways to save money on everything - including auto insurance. We all would love to get the same or even better coverage for a lower price than we are getting right now...
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Why You Need Uninsured and Underinsured Motorist Coverage
The number of uninsured motorists is much larger than most people think: according to a recent study from Insurance Research Council (IRC), approximately one in six drivers across the United States were driving uninsured in 2010. The uninsured motorists problem vary widely from state to state. In 2007...
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Choosing a Local Agent vs. a National Auto Insurance Carrier
Choosing between a local agent and a national auto insurance carrier isn’t a difficult decision. You just have to know what you need and want out of your insurance experience. If you’d prefer to work with one insurance representative on every insurance related situation, choosing a...
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DUI & SR-22: What this Means for You and Your Insurance Rates
There are many ways to say it: driving under the influence (DUI), driving while intoxicated (DWI), and even operating a vehicle while intoxicated (OVI). Still, it doesn’t matter how you say it or which acronym you use. Drinking and driving is not only dangerous, it can have...
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How to Save on Auto Insurance: 11 Great Ways to Cut Costs
Auto insurance is a major expenditure, and everyone's all looking for ways to reduce our overall insurance bill. Here are a few ways in which you can save money on auto insurance. Shop to compare: Each company has its own set of prices for auto insurance. Prior...
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Ready to Start Shopping for a Policy? Have The Following Information Handy
Ready to apply for auto insurance or find some competing quotes? Get the following information ready to go before filling out your application at sites like QuoteLab.com: Names of all owners of the vehicle(s) and operators in your household. Some companies will also need the name...
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Understanding the Different Types of Auto Insurance Coverage
Bodily Injury and Property Damage Liability coverage is perhaps the most important type of protection that auto insurance policies offer, and the one that almost all states require. Bodily injury liability applies to damages you cause to others. It covers their medical bills and lost wages. Property damage...
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Finding Cheap Car Insurance: The Basics
When it’s time to shop for auto insurance it’s easy to get confused with the complexity involved in finding the best and cheapest plan for you. Buying auto insurance is not a simple task and shoppers will benefit greatly by asking questions and understanding the ways...
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SR-22 Quick Facts
The SR-22, or Certificate of Financial Responsibility, is a state-mandated insurance filing that is used to track a driver’s compliance to the state’s financial responsibility laws. The state notifies drivers directly of their requirements to file the certificate. The filing notification includes the amount...
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California Car Insurance Discounts: Soup to Nuts
With insurance premiums averaging nearly $1,800 per year, California was ranked #5 in 2010 as one of the most expensive auto insurance states. While California’s auto insurance policies can be rather pricey, auto insurance discounts certainly help to bring the premium cost down. Many discounts are...
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Kentucky Auto Insurance Quick Facts
Kentucky insurance laws maintain that Kentucky drivers must carry basic no-fault personal injury insurance and liability insurance to be in compliance with the laws. However, these requirements are only minimum and do not include all the coverages that are available to most policyholders and their situations. It...
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Understanding Comprehensive and Collision Coverage
After an accident, every state requires its citizens to be financially responsible for the injuries or damages caused to the other parties and their property. However, no state requires its drivers to carry insurance for the damage they cause to their own vehicles. When it comes to the...
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Driving Record: Good vs. Bad
A person’s driving record is the single most important factor impacting how high or low their car insurance premium will be. Other items such as age, marital status, gender and location can also play a part in determining the monthly payments. But none can affect the cost...
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The DMV Point System and its Affects on Insurance Rates
Car insurance companies take various factors into account when determining the degree of risk a driver poses. The higher the risk, the higher your insurance premium will be. One such factor, accruing points on your license for committing certain infractions. This red flag is likely to have a...
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Finding The Right Auto Insurance For Your New Car
Before you drive your new car off the lot you need auto insurance. How do you secure the best possible rate for the kind of coverage that you need? Here are six questions to consider in making an informed decision about purchasing your car insurance. Does my state...
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Top 5 Questions to Ask Your Insurance Agent
1. Can I see your resume? Do some background checking on the insurance company or agent you are considering giving your hard-earned dollars to. Make sure they are worth it. Don’t just take cousin Fred’s recommendation. Do they hold a certificate of authority to do...
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Taking Advantage of Discounts
Automobile insurance coverage is mandatory in most states. To alleviate the cost of mandatory automobile insurance and encourage carrier loyalty, insurance companies offer discounts to policyholders based on varying requirements. Because car insurance is overseen by state regulatory bodies, insurers must offer discounts in accordance with each state...
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No Fault Insurance - What You Need to Know
Most states have a standard fault-based ("tort") system where each driver’s insurance company provides payments based on each driver’s percentage of fault in a car accident and injured parties can sue the at-fault party for uncovered claims. Sometimes, though, to determine the...
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How to Get Discounts on Your Auto Insurance
Gas prices are noticeable as they are something we deal with on a daily basis, but auto insurance rates are on the rise as well. With that being said, vehicle owners are trying to find ways to save money on their auto insurance in ways of discounts. There...
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When Am I Not Covered?
While many believe that just having insurance means that no matter what happens, they are covered; however, the fact of the matter is that is simply nowhere near the truth. There are many circumstances that you may find yourself in where you will not be covered should an...
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Tips for Filing Auto Insurance Claims
When you are involved in a car accident, you probably think that filing an auto insurance claim is a huge hassle; however, for the most part, insurance companies are looking to have their claims process move as smoothly and as efficiently as possible. They don’t want...
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Three Things You Need to Forget About Car Insurance
There are a number of helpful resources about finding the best car insurance quote available, especially by reputable business and financial media outlets. And then there are all the urban legends that you have to deal with from friends and family that couldn't be further from the...
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Three Simple Tips on Getting Cheap Car Insurance
The law requires that you carry insurance on your vehicle. Prices for insurance can vary greatly between different insurance companies on their own but can also vary depending upon how much coverage your purchase, the amount of discounts that you are able to make use of, etc. Regardless...
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The Biggest Auto Insurance Mistakes
Purchasing auto insurance in one of the biggest financial decisions you can make. Below is a list of the biggest auto insurance mistakes that people make that you should avoid at all cost. Only Looking at the Price. While price is the most important thing to many individuals...
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Liability vs. Full Coverage Auto Insurance
When it comes to your vehicle, it may be a law to have it insured, but you also want to insure your vehicle in order to protect it, yourself and others in the event of an accident. Liability insurance is what is required by the state law as...
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Got a Ticket? Why Your Insurance Goes Up
The rate of your car insurance can depend on a number of factors. Among these factors are traffic violations and accidents, which are all shown on an individual’s driving record. Prior to issuing insurance rates as a premium or as a quote to an individual, a...
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Coverage & Deductibles for Dummies
Auto insurance is a necessity if you drive a vehicle on the road. With so many different types of coverage available, what do you need and what don’t you need? Even more, what is required? Let’s take a look at the different types of...
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Buying Auto Insurance 101 - the Basics
When it comes to purchasing a new vehicle, there are several things that you consider such as your driving needs but also your budget. Determining the right vehicle for you will take time and plenty of research. The same is true for auto insurance. Just as there are...
