Vehicle Insurance

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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 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 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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  • 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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  • 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 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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  • 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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  • 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 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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  • Q: How Can You Receive Car Insurance After Several Accidents?

    A: High-risk drivers may purchase coverage from an agency specializing in high-risk drivers, according to U.S. News and World Report. Drivers in every state except New Hampshire are required by law to purchase insurance and many agencies are legally required to offer insurance regardless of driving history.
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  • What Is Total Valuation in a Car Insurance Claim?

    Q: What Is Total Valuation in a Car Insurance Claim?

    A: A total loss valuation in a car insurance claim happens when an insurance company determines that a vehicle is damaged beyond repair. It can also happen when an insurance company determines that it would cost more to repair the vehicle than the car is worth at current market value.
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  • What Information Is Required to Get a Car Insurance Quote?

    Q: What Information Is Required to Get a Car Insurance Quote?

    A: Information an insurance company requires to give a car insurance quote includes the vehicle's make, model, year and vehicle identification number, and details such as the vehicle's engine type or body type, according to Auto-Owners Insurance. Agents also need to know whether the driver owns or leases the vehicle.
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  • Q: What Is Comprehensive Auto Insurance?

    A: Comprehensive car insurance safeguards the insured and his vehicle against damages that have nothing to do with hitting another vehicle, such as vandalism, theft, falling objects and damage done by wildlife. A driver should check with his insurance provider to see what is and isn't included under comprehensive coverage.
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  • Q: How Do You Sign up With Garrison Auto Insurance?

    A: Sign up with Garrison Insurance Agency by navigating to its website at GarrisonInsurance.com and filing an online application for auto insurance. For further inquiries, interested participants can communicate with the company through the contact information provided on its website, states GarrisonInsurance.com.
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  • What Are Some Low-Cost Auto Insurance Policies?

    Q: What Are Some Low-Cost Auto Insurance Policies?

    A: As of 2016, three affordable car insurance companies are Progressive, Farmers Insurance, and Nationwide Insurance, according to a ranking at Reviews.com. The site most highly recommends Progressive, and provides a comparison of companies on the basis of price, availability of discounts, policy and vehicle coverage, and turnaround on claims.
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  • Q: Can I Insure a Vehicle That Is Not Registered in My Name?

    A: According to Insure, a vehicle can be insured under the name of a person who is not the owner of the vehicle. The insurance process becomes difficult when the insurance policyholder is not a title holder and does not reside with the owner of the vehicle.
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  • Q: What Are the Benefits of State Farm Emergency Road Service?

    A: State Farm Emergency Road Service provides towing and labor services, including mechanical labor, at a vehicle's breakdown site; delivering gas or oil; removing a stuck vehicle; and providing assistance with a tire change or jumpstart. This service also provides locksmith services, according to the company's website.
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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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  • Q: How Do You Get Cheap Car Insurance?

    A: Get cheap car insurance by maintaining a good credit rating and comparing offers from insurers to find a suitable deal. Snag available discounts from insurers, and consider dropping certain coverage on older cars since they raise the cost of insurance, according to Bankrate. Investigate insurance firms offering cheap covers for customer complaints. Research the low-priced car insurance plans that states such as California and New Jersey offer to low income households, advises Edmunds.com
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  • Q: Does AAA Do RV Towing?

    A: The American Automobile Association has a membership option available that includes towing a recreational vehicle up to 100 miles. Flat tire service is also included. Four calls involving a member's RV may be made during each year of membership.
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  • How Do You Choose Boat Insurance?

    Q: How Do You Choose Boat Insurance?

    A: When choosing boat insurance, see if you save any money by bundling the policy with other policies, such as homeowners and car insurance, recommends Bankrate. Also, determine if you want an agreed-value policy or a market-value policy. In general, newer boats have agreed-value policies.
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