Vehicle Insurance

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Collision insurance is a type of automobile insurance that covers the cost of the damage sustained in collision with another car, object or in a vehicle rollover. A deductible may have to be met before the insurance covers the damage.

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  • What are the steps to joining AAA?

    Q: What are the steps to joining AAA?

    A: Join the American Automobile Association, or AAA, most conveniently by accessing the official AAA website. There, you can compare the various member plans, choose the right one for you, fill out the application and pay the applicable fee. You can also join by mailing in an application or visiting a AAA shop.
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  • What is uninsured motorist insurance?

    Q: What is uninsured motorist insurance?

    A: Uninsured motorist insurance is a type of automobile insurance that protects a driver if they are involved in an accident with someone who does not have liability coverage. The options and limits for this coverage vary by state.
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  • How much liability car insurance is necessary?

    Q: How much liability car insurance is necessary?

    A: According to the Department of Motor Vehicles, how much liability insurance is required depends on the state in which you live. Most states have a minimum limit that drivers must have, but some states do not require any liability insurance at all.
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  • How do you get short-term car insurance?

    Q: How do you get short-term car insurance?

    A: A number of auto insurance companies provide short-term or temporary vehicle insurance. These policies, which can provide coverage from one day to eight months, are procured in the same manner as traditional auto insurance policies. However, because of their limited supply (not all insurance providers offer short-term auto insurance) and relatively high-cost, it is essential to review as many temporary plans as possible.
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  • How do you compare auto insurance companies?

    Q: How do you compare auto insurance companies?

    A: When researching auto insurance policies, consumers should get at least three quotes from competing companies, either by contacting respective options via phone or online. Side-by-side comparison quotes are helpful because they allow people to quickly see differences in available coverage limits.
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  • What does liability insurance cover?

    Q: What does liability insurance cover?

    A: Liability insurance covers injuries, accidents and negligence for which a person or business is held responsible, according to Investopedia. A liability insurance policy pays for the medical expenses and compensation to the individual involved and other costs associated with a lawsuit, such as lawyer fees and court costs. A liability insurance policy saves a person or business from losing large sums of money due to a lawsuit.
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  • What is a collision deductible on your auto insurance?

    Q: What is a collision deductible on your auto insurance?

    A: A collision deductible is the amount of money to be paid by the policyholder for damages in the event of a collision. The insurance company pays the rest of the costs incurred due to the collision.
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  • What is collision insurance ?

    Q: What is collision insurance ?

    A: Collision insurance is a type of automobile insurance that covers the cost of the damage sustained in collision with another car, object or in a vehicle rollover. A deductible may have to be met before the insurance covers the damage.
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  • What are the Consumer Report's top picks for auto insurance providers?

    Q: What are the Consumer Report's top picks for auto insurance providers?

    A: In its published review of October 2010, Consumer Reports rated Amica, Auto-Owners, NJM and USAA among the top tier of auto insurance providers. These four companies scored 92 percent out of 100 in overall customer satisfaction. The full report includes ratings for 22 major insurers that handle auto claims.
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  • How can you get a quick online quote for car insurance?

    Q: How can you get a quick online quote for car insurance?

    A: The Geico website offers quick online car insurance quotes after visitors complete information about themselves, other potential drivers and their automobiles. As of 2015, a visitor can generate a quote within 15 minutes.
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  • Q: How much damage does it take to total a car?

    A: Typically, an insurance company determines that a car is totaled by comparing the ratio between the repair cost and the cash value of the vehicle to limits on internal rules or state law. If the repair cost exceeds the vehicle's value, the car is automatically totaled.
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  • What are some motorhome insurance policies?

    Q: What are some motorhome insurance policies?

    A: Some of the top recommended motorhome insurance companies are National General Insurance, Progressive Insurance, RV America Insurance, Good Sam Insurance Agency and Blue Sky. Esurance (through Allstate) and Safeco Insurance are also good choices, according to Consumer Advocates.
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  • How can you easily compare car insurance prices?

    Q: How can you easily compare car insurance prices?

    A: People can more easily compare car insurance prices using online tools provided by TheZebra.com and Compare.com, as of 2015, notes Forbes. Before visiting these websites, consumers should learn about different types of insurance coverage and what their states require. They should also consult with more than one insurance agent after their searches to be sure they purchase the policies that are right for them.
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  • Q: Do classic cars require special insurance?

    A: Classic cars are not required to have special car insurance. Many classic car owners add their cars to their regular insurance policy. Some owners decide to insure their cars under a classic car insurance policy, which pays a higher replacement value than does a regular insurance policy.
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  • Q: What is the rating of State Auto Insurance compared to other insurers?

    A: State Auto Insurance has a poor rating compared to other companies such as AllState, AAA Insurance Agency and Progressive. As of 2015, it has 2.0 rating on Freeadvice.com and 2.8 rating on Creditkarma.com out of a possible five.
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  • What is a typical car insurance rate for a 19-year-old?

    Q: What is a typical car insurance rate for a 19-year-old?

    A: Based on 260,000 car insurance rate quotes, Car Insurance states that the typical annual rate for a 19-year-old is $2,502. The figure raises up to $2,627 for male drivers and falls down to $2,371 for female drivers.
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  • How do you access a car insurance database?

    Q: How do you access a car insurance database?

    A: Car insurance companies usually report insurance claims filed by consumers to one of two national databases, according to WalletHub. You can request a free copy of your own insurance history report from the Lexis-Nexus Comprehensive Loss Underwriting Exchange database at Personalreports.Lexisnexis.com or from the A-PLUS database at Verisk Insurance Services Office at Verisk.com.
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  • Q: What is Penn National Insurance for automobiles?

    A: Penn National Insurance offers several types of automobile insurance, including bodily injury liability, property damage liability, collision and comprehensive policies, notes the company. Penn National also offers auto insurance policies that provide coverage above other policies, such as those that cover towing, labor or replacement costs.
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  • What companies offer really cheap car insurance?

    Q: What companies offer really cheap car insurance?

    A: As of 2015, Progressive and Geico are usually the cheapest auto insurance companies, according to AutoInsurance.org. Insurance rates depend on a variety of factors, and some individuals may find cheaper options elsewhere.
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  • Q: What are some states in which Farmers Mutual offers car insurance?

    A: Farmers Mutual only sells insurance in West Virginia; however, it does not sell car insurance at all. Farmers Mutual offers homeowners, mobile homeowners, renters and seasonal dwelling insurance, as well as commercial insurance for churches, business owners, artisans and farm owners, according to the company's website.
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  • Q: What are some benefits of Safeway Auto Insurance?

    A: Safeway Auto Insurance covers several aspects of owning and operating a vehicle, such as accidents, theft, damage to the car and lawsuits. At a minimum, Safeway Auto Insurance provides medical coverage for insurance holders in accidents, offers financial assistance for vehicle repairs and ensures compliance with different state laws, notes the company's website. In addition to this basic policy, drivers can get comprehensive coverage that offers additional financial protection in the event of theft, protects policyholders in accidents with uninsured motorists and helps with lawsuits arising from accidents.
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