car insurance
Vehicle insurance (also known as auto insurance , car insurance , or motor insurance ) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
kelly
asked:
"I am an international student in US and I am going to buy a car. However, I don't know which insurance company has car insurance for international student. Can anyone tell me some infomation about it, scuh as the name of the company or how much it costs?"
Question posted courtesy of:
gomanyes562 replied:
"Most insurance companies will insure international students. Call a few different companies and compare the prices.If you had a driving license in your home country with a clean record, you will get a lower rate. If you are driving for the first time it will be more expensive."
UCANTCME replied:
"CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES INCLUDING THEIR RATINGS AS WELL AS HOW THEY PAY AND TREAT CONSUMERS AND MAYBE BE ABLE TO ASSIST YOU."
mbrcatz17 replied:
"How much it costs is going to vary, based on a bunch of your personal information. Start with, for insurance. You can get a quote on the internet - you fill out the very personal information, they will email a quote back to you. It will be easier if you have a US license, but if you don't, as long as your license is written in English, it's not a problem. Otherwise, you'll need an international license."
danielx1974 replied:
"For many students owning a car brings many advantages. As an international student you need to be sure you learn about the US federal laws and the state laws that govern driving, and owning a car before you start driving on the road ."
Steven A
asked:
"I just sold a car. It has no insurance. The car is in New Jersey. It needs to get insurance in New York. Help?"
Question posted courtesy of:
Nicole replied:
"if you sold it then it's not your problem anymore. I dont' understand the question"
ME replied:
"wait, if u sold the car to someone else, it's their responsibility to insure it. in fact, YOU can't insure a car that's registered to someone else. so i'm a little confused..."
oklatom replied:
"If you want to put insurance on a car you don't own, please put it on mine instead of that one. I can send you the bill if you'd like. *grin*Insurance is no longer your problem, you don't own the car, you sold it."
SusieM replied:
"No doubt the easiest way to get insurance quotes is on the web.Why would you waste your time on the phone calling around?the last time i needed quotes on insurance i used one of these comparison sites and it was great.this is the site i used and it was quick like less than 5 mins.The last thing I want to do is listen to elevator music while waiting for a salesman.Anyway I got good quotes and ended up saving money so I was happy.So shop around and compare quotes which is easy on the net.Good starting point is at this site.Good luck."
namrepus replied:
"You can have a cheaper car insurance for your car. Go for an online quotation to compare prices of different companies. You can try to visit this cheap car insurance site for your reference."
css
asked:
"I have a car and have taken Auto insurance for it.Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also. If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars?Also if i am driving someone else car, will my insurance cover if there is any accident i have made?"
Question posted courtesy of:
daddyporky@verizon.net replied:
"yes by all means buy the insurance... they can sue you.. that insurance covers you for collision and libality... the extra price is worth it .. if you damage that car or someone lets say scratches it or puts a dent in the door you are liable.... when you rented the car with all that paper work you AGREED TO PAY FOR DAMAGES.. ok buy it.."
Andrew replied:
"No, you don't need the insurance a rental company tries to sell you. Just understand that if something happens to the rental, you (your insurance) are responsible. This means paying your whatever your insurance deductible is. But since CDW (collision damage waiver) is about $20/day on top of the rental rate, if you rent a car for ten days, you're out $200. If you have a $500 deductible, did you save that much? No.It's profit for the rental company if you don't use it, possible profit for you if you do ding up the rental.You are covered in any car you drive, by your insurance. Check your policy and state laws."
Big Deal Maker replied:
"Ok. You have asked 2 different coverage questions here. Let me answer the first one. No you do not need to purchase the car rentals insurance. They will tell you that you need there rider insurance as your insurance company will not pay for the cars rental while the car is being fixed. That is bunk. You have a deductable regardless if you are the guilty party. If you are hit by someone else then there insurance company pays the rental fee loss.Now for question number 2 if you are driving another person car you will need to look up on your auto insurance policy to see if you are cover or ask the agent.(please see your coverage for all answers above)"
Jonathan M replied:
"you don't need rental car insurance. you can take it, but for the most part, its just another way for the car rental firm to make more money. if you don't take the rental insurance and you do have an accident, the claim will be filed your car's insurance.if you are driving someone else's car and have an accident, it may not be covered since you are not an insured driver under that vehicle"
Ann replied:
"Your policy only covers your vehicle and the the drivers of said vehicle. Other specified drivers can be named on your policy (like a spouse, parent, room mate etc..). The insurance does not carry over to other vehicles unless you include another vehicle on your policy (second car, child's car). You will pay for coverage on each vehicle that you have designated to the policy.If you are looking to rent a car for travel purposes, the lease will include a charge for for the insurance coverage of the vehicle that you're renting. Companies like Hertz, have deals with insurance companies to pay a flat rate for their rental cars. The amount of coverage that you will pay depends on the amount of travel or time of lease. Again, this surcharge will be included in your rental fee.If you drive someone else' car and have an accident, the insurance of the owner or policy holder of that vehicle will have to cover the damage. Again be careful, because while a few states offer policies in which any driver of a vehicle is coverered, most states require you to list the names of drivers on your policy. If a listed person has a lot of violations or is a high-risk driver, having them on your policy will cost you more.* It is true that in states that do not require auto insurance, you are free to opt out of the insurance offered by the leasing company; however, if anything happens to the vehicle, you are financially liable. If you're spending the money to lease a vehicle, then the extra $10-20 daily coverage is certainly worth the expense and will save you the hassle of taking out year long rental coverage with your own insurance co. After all, how many times throughtout the year do you find yourself renting a vehicle?"
♥Georgia Peach♥ replied:
"When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you'll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else's car just because you're driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative's insurance would have to cover that loss."
FRANK R replied:
"Maybe You should try to google it first ,however if you like some direct resource ,here might be helpful.http://car-insurance.online-tips.info/affordable-car-insurance-quote.html"
Steven
asked:
"I am a 19 year old boy. My parents are buying me my first car. It is a nice pre-owned car. How does the insurance for the car generally work? Is it required? I will be in college next year. Can they take care of my car insurance? How does it work? I heard that they can put my car under their insurance. Is this true? Please explain."
Question posted courtesy of:
Al M replied:
"If you park your car on your parent's property, and never drive it anywhere, you might not need to have any insurance.But if you are going to take that car out on the public highways, you need all sorts of different types of insurance to pay for medical expenses if anyone hurt in an accident, pay for repairs if any damage from accident, get another car if it is stolen, protect your assets (house, car bank accounts) from beign drained by law suits, and also keep you out of jail.While you are living under your parent's roof, they can add you to their insurance policy ... this will be expensive, but not as expensive as a policy in your own name.Once you go to college, and live wherever the college is, no longer under your parent's roof, then you do need to have policy in your own name."
tbirdman4ever replied:
"Your parents can add you to their policy and show you as the full time driver for this car. Insurance is required for any vehicle being driven on the public roadways. You do not want to be driving a car without insurance should you be involved in an accident. The fines alone would be a killer.If you intend to take the car to college and it is on your parents policy you should inform your insurance carrier. The fact is that if the college is in a better rated area than where you live you could actually save money on your insurance. If you have a loan on the car the bank will usually require that you carry physical damage coverage ( collision and comprehensive ) to protect their interests while they are a lien holder on the vehicle.The best advice any one can give you is to speak to your insurance agent or your insurance carrier. That is what you are paying them for."
Coastcowboy replied:
"Yikes!! The best advice I can give you is to find a local State Farm Agent (they are everywhere) and ask him/her for twenty minutes of his/her time to explain it to you. (be sure you see the agent, NOT a staff member for this). They will be glad to explain it to you so you will understand and won't get mad if you don't buy a policy. They understand full well you are a pontential customer for the next fifty years and will usually bend over backward to help people with this sort of thing."
BrettG replied:
"No doubt the easiest way to get insurance quotes is on the web.Why would you waste your time on the phone calling around?the last time i needed quotes on insurance i used one of these comparison sites and it was great.this is the site i used and it was quick like less than 5 mins.The last thing I want to do is listen to elevator music while waiting for a salesman.Anyway I got good quotes and ended up saving money so I was happy.So shop around and compare quotes which is easy on the net.Good starting point is at this site.Good luck."
El Jingo replied:
"to get your doubts cleared regarding car insurance and to get more relavent information visit here. Good luck! (I found the best options)"
Amanda
asked:
"I live in Wisconsin and havent had insurance in about four years. I am getting married in six months and my fiance's insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won't raise his insurance since I am considered high risk since I havent had insurance the last six months or more. So, if I get insurance on my won for six months, it will be high risk for those six months, but then six montsh from now, I won't be high risk, which will be good becasue six months from now is when i would get married and added onto his insurance.Now, I am going to get insurance on a car that doesn't have a loan on it, and I am wondering how much insurance I need? What is the least amount of insurance I could get on my car, so that in six months I won't be high risk anymore?P.S. I live in Wisconsin, where it isn't illegal if you don't have insurance on your car."
Question posted courtesy of:
adjuster5 replied:
"Call your local insurance agent and tell him you want the basic liability auto policy for your car. This will cover any damage you are at fault for but will not cover your car."
his love replied:
"You should qualify for liablity insurance instead of full coverage. The actaul amount of insurance depends on what your car is worth right now, how old it is, your past driving record and your "hi risk" lable will definately have an effect. You'll have to get quoted at a few different places to be sure what company has the lowest rate for you."
Ken R replied:
"The cheapest route would be to go with bottom of the line "liability only" insurance. In this case you are covered when you are NOT liable for an accident (i.e. another driver hits you).On the other hand, if you hit another car you will likely be out a lot more money than you would have spent with proper auto coverage. If you're going to drive the car a lot I would suggest not taking the chance, in the long run it will save you, believe me. Also remember that there are endless amounts of auto insurance companies offering free online quotes. So feel free to browse around and see who offers the cheapest rate. I saved a few hundred dollars per year on the same coverage because I was persistant and was quoted by over ten companies online. Here's one from my current provider to get you started:"
fdibella1125 replied:
"What you are asking for is basic liability insurance. It covers your for your liability in an auto accident but does not cover your car. If you are going to be added to your husbands policy eventually, you want to be sure that you have the same liability limits as him. I would suggest 100/300/100. It's not too much more expensive than basic liability but it's definately worth it. Minimum liability in your state is 25/50/10. That means the MOST that the insurance company will pay out if there is a loss is $25,000 per person, $50,000 per accident and $10,000 for property damage. So basically, if you hit an expensive car, or more than one car, the insurance company will only pay $10,000 for the damage to the vehicles you hit. Also, if someone sues you, they will only pay $25k per person at a max of $50k. That's not very much at all. Getting 100/300/100 is definately worth it. Plus, there are many insurance companies that wont even give you insurance if you dont have at least 100/300/100 as previous insurance.PS in your state, iIf you have no insurance, you are required to show financial responsibility. This basically means that you have to prove to the DMV that you have at least $60k cash at any time. If you do not provide the department of motor vehicles with that proof... then Yes, you are required by law to carry insurance.Hope this helps!"
bundysmom replied:
"Whatever WI state minimum liability limits are. Comp & collision are extra."
Lebelle replied:
"I love Wisconsin, you don't need to register your vehicle, you can drive a car with any plate(tag), you don't have to have insurance... Just nice but the insurance companies might not be as easy as the dmv. Call them and ask but 6 months it's not enough to clean 4 years off your recordWhy are you getting insurance anyways... it's not required BY THE law..."
kyahooa replied:
"If you are trying to save money, The smartest thing to do would not have comp/collision, but have GOOD liability limits, say if you start a "chain reaction" accident, you rear end a car and it pushes that car into more cars - your minimum property damage limits will be GONE, even worse if you injure someone, - and you and your husband will be in big trouble as you will have to pay out of pocket when the other insurance companys come after you for what they paid out - people always think they are saving money, but belive me, I am a claim rep and I see the aftermath, it is a disaster when you do not have high enough limits"
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