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.
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.
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.
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.
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.
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.
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.
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.
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.
A:It is routine to add a new driver to another person's existing car insurance. Usually this can be done by contacting the insurance company by phone, and some insurers allow the change to be made online. Insurance rates are likely to rise when a new driver is added to the policy.
A:As of September 2015, several websites allow users to compare automobile insurance quotes and prices, including Progressive.com, NerdWallet.com, Esurance.com and NetQuote.com. Most of these resources start out with a ZIP code search, and then offer a way to select the type of car insurance a consumer wants.
A:As of 2015, insurance companies that offer multi-car discounts include AAA, Geico, State Farm and Farmers, according to the companies' websites. The amounts and terms of the discounts vary by state, notes Farmers Insurance Company.
A:Individuals can purchase insurance for salvage automobiles, but the premiums are higher than for other automobiles, and state laws and insurance company requirements differ between states, according to CarsDirect. As of 2015, insurers such as State Farm, Progressive, Nationwide and AutoInsure.org offer salvage title car insurance quotes and policies.
A:Some of the benefits of State Farm auto insurance include availability of customized coverage options, discounts, assistance by agents in finding the right policy and quick processing of claims, explains State Farm. The company also offers a fast quote process online to make it easy for clients to find their preferred coverage.
A:When a leased vehicle is a total loss, the insurance company determines its cash value and pays that amount to the lease company. Unless the individual leasing the vehicle has gap coverage, he is responsible for any difference in the amount insurance pays and the terms of the lease.
A:Customers needing to report an auto claim with State Farm can do so online using their account. Those who do not have an auto insurance policy with State Farm can report a claim by calling 800-782-8332. A representative is available 24 hours a day, according to the State Farm website.
A:Some advantages of using Farm Bureau auto insurance include a variety of coverage options, a lower insurance premium and access to travel discount programs. This type of auto insurance is available through agencies like Farm Bureau Financial Services and Farm Bureau Tennessee as well as through discount programs with agencies like Nationwide. Only Farm Bureau members in certain states are eligible, notes Nationwide.
A:Companies such as Progressive and All State offer recreational vehicle, or RV, insurance policies with vacation liability, full timer's and other types of coverage. RV insurance policies cover motor homes, travel trailers, camper vans and more, notes Progressive.
A:Insurance companies calculate the fair market value or actual cash value of a totaled vehicle by comparing the sales prices of similar vehicles in the same region as the totaled vehicle, says Geico. They also consider the condition of the vehicle before the damage, such as mileage and upgrade options.
A:Car insurance rates may vary from state to state, but, on average, drivers pay between $2 and $5 a day for their car insurance as of 2015, says Value Penguin. Different programs and additional coverage may also affect the daily price of the insurance.