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Insurance for a passenger vehicle varies in cost because of the obvious factors of driving history, vehicle make/model, and place of residence. However, the cost of car insurance depends heavily on the vehicle’s ownership. Many car shoppers head to the dealership intent on purchasing a new car but end up leasing a vehicle instead. These customers are attracted to the special lease deals that require only a modest down payment and monthly installments that are usually 15-20 percent less t...

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Age is one of the primary factors insurance companies use to determine rates. Statistics gathered over the years have proven that mature, experienced drivers are less likely to become involved in a vehicle collision. This does not mean that all drivers enjoy a drop in premiums as they age. The filing of few or no claims, a better than average motor vehicle record, and the maintaining of full coverage will also contribute to lower monthly premiums.Car Insurance Age Groups Most insurance provi...

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The vast majority of drivers follow state law and purchase at least the minimum amount of auto liability insurance required in order to legally operate a motor vehicle. However, liability coverage may be insufficient to cover the entire costs of personal injuries, property damage, and legal costs. The latter can be the result of a suit brought by an injured party, leaving the at-fault driver without sufficient funds. Umbrella insurance refers to an additional layer of coverage that will prote...

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Auto insurance rates are based on many factors, most of them pertaining to the record of the individual purchasing the coverage. Driving history, the type of vehicle, other insurance currently in force, and the area where the insured lives all play a role in determining the amount paid in monthly premiums. The credit worthiness of the individual is also taken into consideration, and a bankruptcy does much to limit what one can do in terms of securing affordable financing. Filing for bankruptcy...

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Auto insurance is a complex industry. Insurance providers gather as much information as possible regarding accident statistics, the likelihood of any one individual becoming involved in a road incident, and how safe any particular make and model of car is should an accident occur. Rates are largely based off the risk of the driver: how safely they operate their vehicle, how responsible they are with their finances, and where they reside. So do business owners pay more for car insurance? Read...

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Cars are very susceptible to minor damage. A sharp impact from a rock, shopping cart, another driver opening their door into your car, or other object can put a very noticeable ding in the paint and metal. Vehicle doors are probably the most likely part of the car to sustain minor scratches or dents. But does insurance cover minor dents and scratches to car doors? This depends on the insurance provider as well as the extent of coverage the collision or comprehensive insurance policy offers. Ma...

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A standard vehicle liability insurance policy covers damage to other cars, personal property, and bodily injury caused by the policyholder up to the policy limits. The good news for vehicle owners is that most liability policies extend to trailers being towed behind the insured vehicle. There are some notable exceptions that vehicle owners need to understand before towing a trailer behind their car or truck. What is covered by insurance and to what degree the coverage extends often depends on ...

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What happens if you miss an insurance payment? Some bill payments should not be missed and insurance is one of them. The results of not paying your insurance bill can be dyer. Your insurance provider may cancel your policy, you could have your license suspended, and you would be liable for all costs resulting from a vehicle accident during the lapse in coverage. Auto Insurance Protects All Drivers Accidents involving a motor vehicle can be quite costly. The damage to the car as well as medical ...

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If you have not had an injury claim with a major U.S. insurance company, you may not know what is Colossus. Colossus is a computer software program that many insurance companies use to assign a value to bodily injury (BI) claims. Currently, it is estimated that this software is involved in more than half of all BI insurance claims in the United States. Colossus was first used by the Government Insurance Office of Australia in the 1980s, but became popular in the United States a decade later....

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If you don’t know how to file a car insurance claim then the process can seem nearly overwhelming, especially if you do not prepare for the red tape involved. Every car insurance company is a little bit different, however the basics are fairly standardized whether you have a personal agent or are working with an online insurance company. While there are potentially a number of steps that you will need to follow, they can all be broken down into three basic phases – what to do at the sce...

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There are several factors outside of your control that will play a part in your car insurance rates. Of all of these, age is one of the largest factors. By understanding what age bracket you fall into and why certain ages are considered to be riskier, you might be able to take some steps to lower your car insurance rates through other methods. Breaking Down The Risk Associated With Age In general, there are two age brackets in which your car insurance will be the highest. It is when you are 2...

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One of the most fundamental questions when you have a car is “How much auto insurance do you need?” The truth is that there is no single answer that is going to be correct for everyone. It will largely come down to the laws in your state, your coverage needs, and personal preferences.Factors To ConsiderThere are a variety of different factors to consider before you even look at specific auto insurance plans or packages. The first thing to consider is how much risk you are willing ...

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One question that consistently needs an answer when purchasing car insurance is whether or not you need PIP if you already have decent health insurance. The answer is usually yes – Personal Injury Protection (PIP) is an important form of coverage that offers benefits beyond just medical payment coverage. Here’s a quick look at what PIP is and how it can be beneficial. Keep in mind that some states require you to have at least a minimal level of Personal Injury Protection. Currently, t...

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