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use
the above pulldown menu, pick your make and receive multiple auto insurance
quotes by e-mail.
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Now you
can shop for car insurance in the convenience of your own home or office.
You can save money in the most time-honored way: by comparing the price
quotes/benefits of several independent insurance agents all competing
vigorously for your business.
If not
for your health, then for your state. Auto insurance is a legal requirement
in most states. State laws typically say that as a driver, you either
must have insurance, or be able to provide evidence that you have the
financial resources to pay a judgment against you, if you are responsible
for causing damage or injury to another person/property.
Not
sure how save your car is?
The Insurance
Institute for Highway Safety
and the Highway Loss Data Institute are independent, nonprofit,
research and communications organizations funded by auto insurers and
dedicated to reducing highway crash deaths, injuries, and property losses.
Following
are some key questions to ask your insurance provider BEFORE you purchase
your automobile insurance.
- What
coverages does the law require me to purchase?
- Can you
give me an example of a loss that would be paid under each coverage?
- I understand
there are optional coverage selections of Specified
Perils, Comprehensive,
Collision, and
All Perils. What would each one cover, and which should
I consider?
- Is it
possible to buy "new for old" coverage on my vehicle and,
if not,
why not?
- Should
I purchase coverage for a
rental car if my car is out of use because
of an insurance loss?
- Is there
also coverage available to protect such a rental car from damage to
it that might be my responsibility?
- As my
insurance professional advisor, what coverages and limits would you
recommend that I carry?
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This
service simply helps you compare quotes, so that you can get the best
deal. Auto insurance companies want your business, so why not make them
compete? We help you get the upper hand when looking for a new policy
and we help you get free car insurance quotes fast.
You can
get car insurance fast when you get free quotes using this service. You
don't spend a dime to learn how much money you can save on your next policy.
Insurance providers want your business. You can make them compete. They
give you the best car insurance quotes possible, and they give them to
you fast. That's it. You can save time and money.
Types
of Auto Insurance Coverage
No matter
who you choose to be your car insurance provider, ask your agent to clearly
explain the following coverages before agreeing to your auto insurance
rate.
- Bodily
injury liability
-
Property damage liability
-
Medical payments, no-fault, or personal injury
-
Uninsured motorist
-
Underinsured motorist
-
Collision
-
Comprehensive
-
Emergency Road Service with towing
-
Rental reimbursement
Seatbelt
Facts!
On average,
NHTSA estimates that 9,500 lives are saved every year by wearing seatbelts.
Unfortunately not everyone takes the time to buckle up or they may do
so incorrectly. The lap belt needs to fit over your hips, not your abdomen,
and the shoulder belt should lie on your chest and over your shoulder.
Seatbelts
have several functions in the event of an accident. They prevent passengers
from being thrown from the vehicle, as well as reduce the risk of collision
with the steering wheel, windshield and dashboard. Seatbelts also distribute
the shock of the crash over a larger part of the body, reduces the chance
of acute injury. Another function they perform is keeping you in a position
that allows airbags to be the most beneficial.
One innovation
by auto manufacturers is the pretensioner seatbelt. This is similar
to the air bag in that it can only be used one time and will need to
be replaced after a crash. In an accident, pretensioners retract the
seatbelt to remove excess slack. The seatbelt still needs to be adjusted
as snugly as possible, since pretensioners are not powerful enough to
pull you back into your seat.
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