Auto Insurance Buying Your First Car?

Here's What You Need to Know

Auto Insurance Can Also Help Protect People - Including Yourself.

Make sure you have enough protection to cover expenses if you or one of your passengers gets hurt in an accident. Even if you have health insurance, you should consider the following three coverage options as part of your complete auto insurance policy, as these policy features cover you, and the people in your car: You also need to protect yourself financially. Liability Coverage helps protect you and your assets if you’re found to be at fault in a covered accident And, of course, you’ll want to protect your car.

Cheaper Car Insurance For Female Drivers

So how can women get the best car insurance deals? Much of the advice available in our main car insurance guide applies equally to women drivers. Here are a few extra tips to help you keep car insurance premiums as cheap as possible:

• Consider a car that has a small engine or is in a low insurance group.
• If you have only just passed your test, consider taking out your own cover rather than piggybacking on your parents: you can build up a no-claims bonus that much quicker – in the second year your costs could fall by up to 30%.
• Avoid modifications, such as alloy wheels, extra spoilers or racing exhausts.
• Look out for additional security features, such as locks and immobilisers as these will help minimise your premiums.
• If you only tend to drive occasionally, look for policies that offer discounts for lower mileages. It’s also worth getting quotes from insurers that specialise in covering female drivers.
• If you are an older driver, try to avoid putting your children on your policy

Women’s car insurance

Until a decade or so ago, the issue of cheap car insurance for women drivers was not high on most insurers’ agenda.

Today, women can enjoy some excellent motor insurance deals. But as with all these things, it makes sense to shop around. Find out how to get the best rates below.

Women may still face discrimination in certain areas of their lives, but one area where this definitely does not appear to be happening is over the cost of their car insurance.

Premiums for women drivers tend to be lower than they are for men, especially up to the age of about 45. Thereafter they level off.

The reasons why female car insurance is cheaper than men’s are simple: premiums are based on a wide range of statistics which show they are much safer drivers than men.

• Government figures show that over 92% of convictions for driving offences in the UK are for men.
• Men are responsible for 98% of all convictions for dangerous driving.
• Women drivers tend to drive more slowly, carefully and shorter distances than men.
• Although women tend to have as many accidents as men, they are less likely to be serious. Therefore their overall claims experience is better than those of their male counterparts.

Why Insurance Is Important
If you were to die could your family or dependants, pay for your funeral, organize the financial affairs, service pre-existing debt and continue their current standard of living without you? This is why life insurance is important.
If you are injured and are unable to continue working are you able to service your debtors and maintain any standard of living? This is why you need income protection insurance.
If you were to be in a car accident with two other cars and it was determined that the accident was your fault, could you go to a car showroom and buy yourself a new car, pay for repair or replacement of the other two cars and pay for the medical bills of the other drivers and their passengers? This is why motor insurance is important. and theres alot of insurance companies suach as
In the United States, standard line insurance companies are your "main stream" insurers. These are the companies that typically insure your auto, home or business. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies.Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves. A reinsurer may also be a direct writer of insurance risks as well ......and thers alot of insurance companies i will tell u about in antoher articles

What is auto insurance?

that the questaion that you ask isnt? belive me i know that let me teel you what auto insurance all about Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Auto Insurance Basics

How much do you really know about auto insurance?? Do you understand how car insurance works to help protect you and your car?? Do you understand those terms that keep popping up when you are researching policy prices online? Before you buy an online policy, do a little insurance homework and learn the basics.
Anyone who drives a car in the United States or other countery needs to have auto insurance. It protects you, and the other people you have listed on your policy against any sort of financial loss that results from operating a car, SUV or light truck. Your policy is a document that lists the type of coverage that you will have under certain circumstances. Auto insurance premiums are the money that you pay to the insurance company to cover you for the circumstances that are outlined in detail in the insurance policy. You normally have a choice of how to pay auto insurance premiums. Most companies will allow you to make payments either monthly, bi-annually, which is twice a year, or annually, which is once a year.
What does an auto insurance policy usually cover? If you are involved in an accident with your vehicle and damage someone else’s vehicle or personal property, or a human being, your policy will pay up to the amount of coverage you have, which can be decided at the time you take out the policy.
Normally, medical claims are covered as well as property damage, any sort of vandalism that damages your vehicle, and any sort of damage from a natural disaster such as hail or fallen tree limbs. Your policy could also cover any needed towing of your vehicle, a replacement car while your vehicle is being fixed, and any legal costs that may crop up if you are involved in a lawsuit involving anything that is covered in the policy.
Most states require you to have at least liability insurance. You are normally required to carry proof of your insurance with you in your vehicle at all times so you can show it to any police officer that should stop you for any reason. However, the enforcement of this law can vary from state to state, so it’s a good idea to learn what the automobile insurance laws are in the state where you live.
The more you know about auto insurance and the terms that are used when discussing it, the easier it will be for you to get a good deal when you buy a policy online.
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If you own a car, auto insurance is not just an option—it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation. The information below will provide some answers and help you ask the right questions in order to find the most appropriate solutions.