|
|
Find a Lower Auto Insurance Rate
Find and Compare Local Auto Insurance Quotes and Lower Your Payments Today!
Car-Parazzi
If you love cars, join the Car-parazzi. And if someone car-parazzi's you... smile and rev, it means you've got a hot car!
|
Understanding Your Auto InsuranceBy Tom McKnight
Reading auto insurance policies can be like trying to decipher advanced calculus. It's really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.
You'll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you're at fault for something, well of course it would still be an accident, as I doubt you'd plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250? $500? $1,000? Just like medical insurance, you'd have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.
Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.
In addition to knowing how much Collision and Comprehensive coverage you have, you'll want to know about your liability coverage. Let's say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.
You don't want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn't take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.
The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone's home? You wouldn't want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.
Every policy will have its limits and various degrees of coverage. It's important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!
|
Retiree celebrates 75th touring Mediterranean island (The Pantagraph)
CALTAGIRONE, Sicily -- May 13, 2008, was a special date for Bill Vaughn of the Twin Cities.
Natural gas is viable option outside Florida (Orlando Sentinel)
So you've seen those TV commercials starring energy magnate T. Boone Pickens, touting compressed natural gas as an alternative to gasoline.
Remembering Shawn Loescher (WEAU Eau Claire)
Shawn died Friday, almost two weeks after a car crash that killed his friend and left the driver charged with four felonies
Backlash in the heartland (The Columbus Dispatch)
The young woman climbed into a van with a man she had paid $6,500 to take her out of El Salvador and smuggle her into the United States. Destination? Columbus, where her brothers settled a few years ago to work. Maria's journey began just after immigration reform imploded in Congress.
Obama lays out economic plan: Tax break for ?95 percent of Americans? (The Scranton Times-Tribune)
DURYEA ? Democratic presidential nominee Barack Obama pressed hard Friday for blue-collar, middle-class votes at the Schott Glass Technologies plant, outlining a raft of economic, environmental and educational proposals on the heels of a government report estimating the country lost 84,000 jobs in August, the eighth consecutive month of job losses.
McCain outlines goals, dreams (UPI)
ST. PAUL, Minn., Sept. 5 (UPI) -- Following are remarks delivered Thursday by presidential candidate Sen. John McCain of Arizona during the Republican National Convention in St. Paul, Minn.
McCain outlines goals, dreams (Moldova.org)
Following are remarks delivered Thursday by presidential candidate Sen. John McCain of Arizona during the Republican National Convention in St. Paul, Minn.Thank you. Thank you all very much. Thank you.Tonight, I have a privilege given few Americans: the privilege of accepting our party's nomination for president of the United States. (APPLAUSE)Thank you. Thanks. And I accept it ...
National And International Report / Machinists set to strike today after Boeing talks fail (Pioneer Press)
Despite a 48-hour contract extension, negotiations between Boeing Co. and Machinists union officials have failed and the union said a strike is set to begin today.
Drive-by shooting reported in Youngtown (The Arizona Republic)
Another drive-by shooting is reported by Youngtown police in the latest crime report.
Rallying Cry for Health Care Reform (R News)
After our next story, you may want to check out your health care coverage. Thousands of working people here and across the country are underinsured. One medical crisis away from bankruptcy.
|
To move or not to move?and if so, where?
Yesterday?s confirmation of my suspicion that I won?t be able afford to stay in my home after I retire is disturbing. I will have to move someplace ...
1697 Campus Technology, boletín informativo, 3 de septiembre de 2008
Campus Technology News Update September 2, 2008 Contact the Editor | Sponsor this Newsletter | Subscribe | Change email address | Unsubscribe In T...
ARIZONA SENATOR JOHN McCAIN, PRESIDENTIAL NOMINEE
posted by Mr. Right Thank you all very much. Tonight, I have a privilege given few Americans -- the privilege of accepting our party?s nomination f...
ASU expert weighs in on health care reform
Fear and hope surround the controversial issue of health care reform in America. While the presidential candidates are announcing their plans to deal...
Today?s Science Policy News for September, 4th 2008
A look at today?s science and health policy news: McCain and Palin differ on issues A.P.?Sarah Palin is more conservative than John McCain on a rang...
Weird News : 09-04-08
REVENGE IS A DISH BEST SERVED STINKY! In Tampa, Florida, a 22-year-old suspected truck burglar made a big mistake during his getaway. According to T...
Accident Attorneys
Just about everyone drives in this country. We are a population who is used to traveling and moving about in our daily lives. For the most part, our...
Personal Injury Attorney: Auto Accident
by Litigating Devil The statistics for auto accidents are staggering. It is estimated that each and every person will be involved in at least one aut...
With that now done Causey could Bryan greenberg as early as Friday
Professional development in Arizona?s technology sector, the Council. Belding Theater, Bushnell Center for the Performing Arts. As Nazneen, Tannisht...
Gearing up
Keeping one's ordinary life in order when living away from home can get tricky. Today I made sure my AAA membership and my car insurance were in goo...
Annual Code Red Challenge Draft and Analysis
(Posted by Bear.... he's back everyone!) Football season is on the cusp. Both Winks and I are huge Fantasy Football dorks and each year (for the pas...
classic car insurance safeco is Important for all Classic Camaros
Any classic car owner need to understand classic car insurance for their baby. Insurance requirements in Arizona make it required to have proper in...
Legal Things for peace of mind
Photo courtesy of iStockphoto, Rich Legg Rating: View Member Portfolio Send Member Sitemail Reviews View Reviews [7] File To...
100 Things I Am Grateful For..
Chris challenged his blogging buddies to do this list. Now, most of us have done the "100 things about me" (and I'm currently revising a new list fr...
Rick Noriega assails John Cornyn's embrace of McCain health care plan
Rick Noriega's Senate campaign has harshly criticized freshman Republican Sen. John Cornyn for seconding John McCain's plan to wean Americans off emp...
fraternally Cobb isuzu liquid tank adlib haughtily men s shirts xxxxl kit buccaneer slouch ankle boots marshallward 9-carat gold onyx and diamond-set...
Does ANYONE make blacked out headlights for 06?
Does ANYONE make blacked out... 1st Generation MINIs : Coupe Talk (2002-2006) Week 36 Model Year 2009... MINIs in General : 1st Gear Customize...
Drug actonel Research names top product sites for docs.
Actonel, an Jacob co watch treatment marketed through a Proctor amp. MI Quote, Profile, Research, Stock Buzz will end its insurance partnership with ...
overate Chesnee cellphone covers cristina unheedfully gps nav system Amiina saul anthony 18 ct white gold 7 stone 0.32 ct diamond ring by saul anthon...
Which O.C. firms made ?great workplaces? job site?
Which O.C. firms made ?great workplaces? job site? Mandatory paid sick leave fight not over The Register graphics team has created one of it f...
|
|
Best Sellers from
|
