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Aurora Car Insurance Cost

Written by Michele Wilmonen. Posted in Research Last Updated: 10/20/2014

Ever wonder what determines your Aurora car insurance cost?

Many different pieces make up how much you pay for Aurora car insurance. In fact, there are so many pieces that factor in how much you pay for car insurance, that it is all done by computer now. This is why when you have an accident it is impossible to tell how much your car insurance is going to increase, if it does at all.

Here are some of the items that contribute to your Aurora car insurance rates and how heavy of a weight they carry.


aurora car insurance

Getting Cheaper Yonkers Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 10/13/2014

Yonkers car insurance can get expensive and can seem to be more of a burden than an help.

Car insurance is one of those necessary expenses that we all have to live with if we want to be able to drive. Not only is it good financial sense to have it before you hit the road, but the State of New York also requires that you have it before you hit the road.

If you are finding that your Yonkers car insurance is getting more expensive than what you can handle or what you want to be paying for car insurance, here are some tips to help you out.

yonkers car insurance

The Required Shreveport Car Insurance Isn’t All Inclusive

Written by Michele Wilmonen. Posted in Research Last Updated: 10/01/2014

Research what the required Shreveport car insurance covers don’t assume you are fully protected.

shreveport car insurance

The required Shreveport car insurance doesn’t have enough coverage to protect you from all stormy driving situations.

We love our all-inclusive resorts when we go on vacation, we get to pay once price and then get access to everything that we need while we are there. Unfortunately we don’t get the same all-inclusive awesomeness from the required Shreveport car insurance.

No Intentional Claims

If you cause an accident on purpose, your Shreveport car insurance company will not pay the claim.

If you purposely total your car because you are behind on payments or want a new car, you are out of luck. Once your insurance company finds out that it was done on purpose, they will deny your claim. And don’t think that they will pay your claim without question, either. Claims adjusters are trained to look for certain pieces of information that indicate that a claim needs to be investigated further.

Also, any acts of road rage can be considered causing damage with your vehicle on purpose. So if you lose your temper and use your vehicle as a weapon, your claim could be denied.

No Damage Coverage

The specific coverages that are required by the State of Louisiana for you to be able to drive do not cover damages that are caused to your vehicle. You have to purchase additional coverage to protect your own vehicle; otherwise you will have to pay for the damages out of your own pocket.

No Medical Coverage

There is also no medical coverage to pay for your injuries or the injuries of anyone in your vehicle under the required Shreveport car insurance. You can purchase separate coverage that will pay for medical bills, or you can also leave it to be paid for by your health insurance company.

What Does the Required Shreveport Car Insurance Cover?

The Shreveport car insurance that is required by the State of Louisiana only covers your liability to another party. Specifically, these coverages are:

  • $10,000 for bodily injury to one person
  • $20,000 for bodily injury to more than one person
  • $10,000 property damage

So if you are ever in a car accident and you only have these coverages, your Shreveport car insurance company will pay for the damages and injuries of the other parties.

Rental Car Claims

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/01/2014

Don’t be bullied by the other insurance company about your rental car.

Question: The other person’s insurance company is telling me that I am only authorized for a rental car for two days, but what if the repairs to my vehicle take longer than that?

Answer: If the other person’s insurance company has accepted liability for the claim, then they owe you the rental car until your vehicle is fixed. Don’t let them tell you that you only have it for two days, you need to tell them that you are going to keep the rental car until you get your vehicle back.

(Disclaimer: I do not know the details of your claim and am not a claims adjuster. This is advice to a question only)

Beyond the Basic Moreno Valley Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 09/28/2014

The basic required Moreno Valley car insurance coverages are not enough to protect your own car.

The State of California only requires that you carry enough car insurance to be able to pay for the damages that you cause to another person or vehicle. These coverages and their limits are:

  • $5,000 in liability property damage coverage
  • $15,000 in bodily injury liability coverage per person
  • $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured

These coverages are known as “liability coverages” and they do not pay for any damages that may happen to your vehicle. If you want your insurance company to pay for the damage to your vehicle, you will need other types of coverage added.

What Other Moreno Valley Car Insurance Coverage Do I Need?

In order for the damages to your vehicle to be paid for, you need to purchase comprehensive and collision coverage from your Moreno Valley car insurance agent. Collision coverage will pay for damages to your vehicle if you hit something and comprehensive coverages pay for damages caused by things like animals.

These coverages are optional, but if you don’t get them you will have to pay for your car to be fixed with money from your own pocket.

Do I really Need These Other Moreno Valley Car Insurance Coverages?

If you are wondering if purchasing comprehensive and collision is worth it, consider the following infographic from Answer Financial.

moreno valley car insurance

So the question you need to ask yourself is, can you afford to fix the parts listed above if you chose to go without the extra Moreno Valley car insurance?


Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.