Auto Insurance Calculator -

A Useful Tool to Use While Shopping for Auto Insurance

Shopping for auto insurance online is the easiest way to save money, but how do you know what amount of coverage you should purchase? The fact is that many people have no idea how much insurance they have on their vehicle. They are unsure whether or not they are covered if an uninsured motorist hits them, and they don't know how much the insurance company will pay out if people are injured in an accident.
All of the above scenarios can have serious financial, and in some cases legal, consequences. The reason people are often unsure of their coverage level is that they simply bought the amount of coverage that was suggested to them by an auto insurance agent.
When shopping for insurance online people don't even have the advice of the agent to go on so many people have found that an online auto insurance calculator is just the tool to help them figure out how much coverage they need.
An online auto insurance calculator is basically a web based tool that asks several questions ranging from your income bracket to you educational level. The questions are each aimed at discovering what your insurance needs may be and when they are all answered you will get a recommended amount of insurance to purchase.
The car insurance calculator is a good tool to use in order to get an idea of what you need, but remember this figure is still an estimate. If you have any unique financial situations this estimate may not indicate what the policy will actually cost. The only way to find this information is to speak with an insurance agent, which you can do after deciding on which company to use for your automotive insurance needs.
The automobile insurance calculator is a good tool to use in order to obtain a ballpark figure of your insurance needs, but it should be used in conjunction with other methods when searching for a new insurance policy. Looking for cheap Brownsville auto insurance? Compare discount Brownsville auto insurance quotes online for free at http://www.BrownsvilleAutoInsuranceQuotes.com today.
For a free automobile insurance quote, visit http://www.SuperCheapQuotes.com today.
Contact the AuthorDavid Acklandinsurancereviewer@yahoo.comMore Details about http://www.supercheapquotes.com/ here.
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SR22 Auto Insurance

SR22 Auto Insurance : Click On Your State

SR22 Auto Insurance
SR22 auto insurance is required for drivers convicted of a drunk driving or DUI offense. SR22 auto insurance can be best described as a type of high risk auto insurance policy that is issued by an insurance company that guarantees the state DMV that the named policy holder has the minimum insurance coverage required of the state, this is done through the SR22 insurance filing that the insurance company files on your behalf. The DMV will not reinstate your drivers license without an SR22 if you are required to maintain one and in most cases you're required to keep an SR22 on file for a minimum of three 3 years from the date your driving privileges were restored.
The SR22 insurance filing is basically just a form, (form SR22) that they fill out and send in to the DMV. It can filed electronically in most states to expedite getting your drivers license restored and you back on the roads.
SR22 Insurance Quotes
If you are required to carry an SR22 auto insurance policy you'll likely find the process of getting one a little confusing. There are a lot of insurance companies out there who prey on people in this situation because they know that they are confused and have a lot of other 'worries' on their mind. Here's some guidance to follow when selecting or shopping for an SR22 insurance policy;
Fill out as many free quotes as possible. There should never be an obligation nor a charge to find out what the price of the policy is. So it's in your best interest to get as many quotes as possible before selecting a particular provider.
When reviewing a potential policy look at more than just price. There are other important factors to consider with SR22 policies such as: terms and conditions, coverage amounts, lapse in coverage policies, down payment, etc...
For a free No Obligation SR22 Insurance Quote click on your state above.
SR22 Insurance Companies
Progressive, Geico, AllState, State Farm, Liberty Mutual, SafeCo, Nation Wide, Travelers Insurance, Insure.com, Amica, Farmers, AIG, 21st Century, Unitrin Specialty Insurance, USAA, Mercury Insurance.

SR22 Auto Insurance By State
Alabama SR22Alaska SR22Arizona SR22Arkansas SR22California SR22Colorado SR22Connecticut SR22Delaware SR22Florida SR22Georgia SR22Hawaii SR22Iowa SR22Idaho SR22Illinois SR22Indiana SR22Kansas SR22Kentucky SR22
Louisiana SR22Massachusetts SR22Maryland SR22Maine SR22Michigan SR22Minnesota SR22Missouri SR22Mississippi SR22Montana SR22North Carolina SR22North Dakota SR22Nebraska SR22New Hampshire SR22New Jersey SR22New Mexico SR22Nevada SR22New York SR22
Ohio SR22Oklahoma SR22Oregon SR22Pennsylvania SR22Rhode Island SR22South Carolina SR22South Dakota SR22Tennessee SR22Texas SR22Utah SR22Virginia SR22Vermont SR22Washington SR22Washington DC SR22Wisconsin SR22West Virginia SR22Wyoming SR22

Survival Auto Insurance

From LoveToKnow Insurance
Survival Auto Insurance is a division of Survival Insurance Inc, a company founded in 1983 to provide insurance buyers with competitive offers from several insurance providers. Since its inception, the company has grown considerably; helping more than one million people find the right insurance policies.

Survival Auto Insurance prodocts

Survival allows you to fill out just one insurance quote with your personal information and, within minutes, you'll have competitive quotes from several companies. All quotes are free and from reputable insurance companies.
Survival will provide you with quotes for different auto insurance products and policies. Here are some of those:
Single or multiple driver policy quotes
Teen driver policy quotes
High risk driver policy quotes
Motorcycle insurance quotes
DUI insurance policy quotes
Truck insurance quotes, both commercial and private use
Cheap car insurance quotes: policies designed to be less costly with minimum coverage
Specialized quotes help save you money and the amount of time you spend searching for the right policy.

Long Term Managing of Your Account
Survival Auto Insurance will also help you manage your coverage when you buy an insurance policy from them. They offer several ways for you to do this.

Account Management
Log in to your auto insurance account anytime. Once you buy insurance from Survival, you have an online account established giving you access when you need it. There, you can update your personal information, find out when your payment is due, and make payments from home by either check or by credit card.

Claim Service
Another advantage of buying insurance through Survival is the easy claim process. Once you log into your account, you'll be able to follow a few simple steps to file a claim, day or night. Claims adjustors will get to work on the claim as soon as possible once you've submitted it. You can also log into the account and find out what your claim status is or ask questions about the claim you've filed.

Policy Information and Questions
If you have questions about your auto insurance policy, need information about who's covered or what's covered, or need to make changes, simply log into your account. Notification goes to your insurance agent and insurance company right away. They will call to confirm the changes as needed. In addition, if your auto insurance policy is canceled, you'll be able to log into your account through Survival and request reinstatement. This may or may not mean a lapse in coverage, depending on the situation.

About the Company
Survival Insurance Inc is a leading insurance broker located in California. The company's CEO, Richard J. Acunto heads over 300 staff in ten offices throughout the state. The company is a leading provider of insurance service at low prices.

It's also important to note that Survival has one of the highest levels of customer service satisfaction. Their complaint rate is less than .0033, which makes it significantly lower than other companies' service rates.
The company also provides home insurance, health insurance and life insurance policies with affordable rates. They specialize in helping "hard to insure" drivers find policies that fit their circumstances.

Getting a Quote
Survival Auto Insurance is an option for many people. Getting a quote from the company is very simple. Visit the website or call the company direct. A systematic quote process will take your personal information, your vehicle information, and any secondary driver's information. With that, they get a quote from several insurance companies for you to compare. In most situations, you'll receive several quotes to choose from. You can purchase the insurance directly from Survival at this point. It only takes a few minutes.
As with all car insurance, shop around and compare rates. Always provide accurate information for your quote. Be sure the amount of coverage you get a quote for is enough to cover your needs. Survival agents are available to work with you to determine the best policy for you, too.
To get a quote online, visit Survival Insurance or call the company direct at 1-888-SURVIVAL.
Retrieved from "http://insurance.lovetoknow.com/Survival_Auto_Insurance"
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Initial Author: Sandy Baker
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New Auto Insurance System

The Massachusetts auto insurance system is changing for consumers who buy or renew their insurance policies on or after April 1, 2008. Governor Patrick and the Division of Insurance are deregulating the auto insurance market and implementing a system called “Managed Competition,” which means that insurers, for the first time, will set their own prices for auto insurance. After April 1, 2008, companies will charge consumers different rates and calculate premiums based on factors that were not used in the past. As a result, some people will be charged more, others less, and each insurance company will offer you a different price. Because of the wider array of prices, coverages, discounts, and benefits that will be available under Managed Competition, all Massachusetts residents who renew or begin an auto insurance policy on or after April 1, 2008, should shop carefully for auto insurance.
In order to protect the interests of consumers, the Attorney General’s Office will closely monitor the actions and representations of auto insurance companies throughout the transition to Managed Competition. If you have questions or concerns about Managed Competition, you should contact the Division of Insurance at (617) 521-7794. If you believe an insurer has treated you in an unfair or deceptive manner, please file a complaint with the Attorney General’s Office or contact the Attorney General’s Insurance and Financial Services Division at 1-888-830-6277. In addition to investigating violations of law, the Insurance and Financial Services Division provides voluntary mediation services to consumers who are having problems with insurance companies.

What Is Changing?
Under Massachusetts’ old auto insurance system, you would be charged similar premiums regardless of which insurance company you chose. Any differences in the premiums charged by insurance companies related largely to the discounts offered by different insurers.
Under the new Managed Competition system, premium amounts, rates, coverages, discounts, and benefits may vary widely by insurer and will be based on an assortment of new rating factors. As a result, you will have to shop carefully to find the coverages best suited to your needs and the best prices for those coverages. In addition, insurance companies will not be required to offer some of the discounts that they were previously required to offer, such as the Public Transit, Multi-Car, and Driver Training discounts. However, for now, most insurers will continue to offer these discounts and many new types of discounts may be available.

When Will These Changes Affect Me?
The new policies governed by the new Managed Competition system will be offered starting April 1, 2008. You will be affected by this change when your current auto insurance policy expires. You should start shopping for an auto insurance policy several weeks in advance of your current policy’s expiration date. If you don’t know when your current policy expires, check your most recent insurance bill or call your insurance company to find out.
If your current policy expires between now and April 1, 2008, you will renew under the old system and will begin participating in Managed Competition when your policy expires, in 2009.
You can cancel your existing policy after April 1, 2008 and sign up for a new policy under the new Managed Competition system. However, before doing so, you should make sure the new policy provides the coverages you are looking for, and that you know exactly how much the new policy will cost. You should be aware, however, that insurers will charge you a penalty if you cancel your policy after the first 30 days, so, if your current policy renewed before March 1, 2008, it may not pay to switch.

Who Will Benefit from These Changes? Who Will Be Hurt by Them?
Although many drivers will see their premium go down during the first year of Managed Competition, insurers estimate that about 20 percent of drivers will experience a premium increase.
Under Managed Competition, your driving record will have a less significant effect on your premium than it previously did. Young drivers (meaning people in their 20’s and early 30’s), senior citizens, urban drivers, renters, and unmarried drivers are most likely to see their premium rise or to receive only minor premium decreases.
For insurance policies that are renewed between April 1, 2008, and March 31, 2009, insurance companies cannot raise insurance rates by more than 10 percent. Of course, if you move, have an accident, receive a ticket for a moving violation, or buy a car, your premium may increase by more than 10 percent.

Wells Fargo Financial Auto Loans

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Wells Car Insurance

Below you'll find listings of agents in Wells with all of the information you need to contact the agent for a quote. If there aren’t very many agents in your city, you may want to select another Minnesota city from our list at the bottom.
• Get a Free Price Quote
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Free Minnesota Auto Insurance Quote
Provide basic information on your car.
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It's fast, free & there's absolutely no obligation.
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Auto Insurance Services from Wells Fargo

Get free customized quotes and comparison shop for auto insurance from Wells Fargo by scheduling a call with an insurance planner. Wells Fargo’s auto insurance provides flexible payment plans and discounts for safe driving, good grades and multi-car households.

6 months ago
You can get free, no obligation quotes just by visiting Wells Fargo today. They offer insurance on most vehicles from cars, boats, motorcycles, and RVs. There are a number of discounts you can take advantage of to greatly

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Compare Quick Free Insurance Quotes Online
Finding the lowest insurance quotes in your state is quick and simple with InsuranceQuotesUS.com's intuitive quote referral form. By answering a few questions, you can get an auto insurance quote instantly from up to three insurance companies that are offering the most competitive quotes. We search a nationwide database comprised of thousands of insurance providers to find you the best insurance quotes. Find business, health, life insurance quotes and more by using the online questionnaire.
Save Money With Multiple Insurance Quotes
Insurance quotes are not set at a standard rate across the industry. An insurance company may offer certain discounts that another provider does not have. Also, each company has their own guidelines for assessing risk, which can account for the difference in prices. Few consumers realize that sometimes an insurance company's rate has little to do with the actual consumer purchasing the policy. If an insurance company paid an unusually high amount of claims due to a devastating hurricane season or other disaster, they may raise their insurance rates to make up for their losses. Conversely, an insurance company with a great year, profit-wise, might be able to afford to lower their rates and attract more customers.
Get Auto Insurance Quotes Fast
Auto insurance is generally the most purchased insurance in the country. As a result, there are thousands of auto insurance providers that you may not be aware of. Instead of simply going with the auto insurance company with the cleverest advertisements, compare auto insurance quotes culled from a variety of auto insurance providers. We are not an insurance provider, but we are dedicated to helping consumers find the most affordable and competitive insurance quotes on the web.

Save Money Every Month With Allstate
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$353 Average annual savings based on information reported nationally by new Allstate auto customers for policies written in 2007. Actual savings will vary. **20% Safe Driver Discount is lower in some states, and is subject to terms, conditions, and availability.***Your Choice Auto® Platinum package is optional and subject to terms, conditions and availability.
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About completing online car insurance quote comparisons and purchasing policies online :OnlineAutoInsurance.com helps consumers quickly and easily complete a car insurance comparison from a variety of top rated companies such as Progressive, GMAC, Bristol West, Infinity, Unitrin and more. Instead of calling around or visiting individual websites to compare rates, complete one single questionnaire to instantly get back quotes from multiple quality insurers at the same time. Completing quote comparisons online is an easy way of finding cheap prices to get insurance coverage.Information is secure and drivers have the ability to get quotes without personal information such as driver's license numbers or social security numbers. Additionally, there are no obligations when getting free quotes since there is no need for financial information unless you choose to purchase your policy online to receive instant proof.
Our site resources help all types of drivers including teenagers and high risk drivers learn more ways to keep premiums affordable like paying premiums on a monthly basis. Visit our learning center and get tips, coverage recommendations, read articles, and get definitions and descriptions of the different types of policy protections out there. You may also choose to learn more about our appointed carriers.

Frequent Asked Auto Insurance Questions
How much is car insurance for a 16 year old?
The price that a 16 year old driver can expect to pay for car insurance can vary due to many factors that are used by insurers to define how premiums are determined.In order to find out how much it will cost, get auto insurance quotes online from multiple companies.For teenagers to get quotes, have the following information ready ...

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nj auto insurance

New Jersey Car Insurance Rates - Auto Insurance Quotes in NJ New Jersey's State motto: "Liberty and prosperity"
If you are shopping for auto insurance in New Jersey, you are at the right place. CarInsurance.com offers strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

State Insurance Requirements
New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
New Jersey Coverage:Basic PolicyProperty Damage Liability: $5,000 LimitPersonal Injury Protection: $15,000 LimitStandard PolicyBodily Injury Liability: $15,000/$30,000 LimitProperty Damage Liability: $5,000 LimitUninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 LimitUninsured Motorist Property Damage: $5,000 LimitPersonal Injury Protection: $15,000 Limit*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.
The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).

See how much you can save on auto insurance!
Insurance.com is designed to let you customize the way you learn about insurance, compare quotes and buy an online auto insurance policy whenever you're ready. You can start a quote online today to see the rates, discounts and payment plans offered by the companies we quote. If you're not ready to buy, you can save your auto insurance quotes and come back whenever your want.
Some customers start their research online and then call us to talk a licensed agent. When you're ready to buy your auto insurance, you can pay online or make a payment by phone. So, see how much you can save by comparing online auto insurance rates today!

Helpful Auto Insurance Tips
Calculate Your Savings on Cars and Auto Insurance
Trying to save money on cars and auto insurance often means asking some tough questions about cutting costs or spending more. Should you follow these tips or save your time and money? Read More
Car Warranties and Resale Value After the Bailout
What happens to your vehicle warranty and resale value if the company that made your car goes bankrupt? Read More
Buy Uninsured Motorists Coverage or Pay the Price
The stumbling economy is causing many drivers to drop their auto insurance in an attempt to save money. How can you avoid these drivers without moving to Maine? Read More
My Credit Affects My Auto Insurance Rate?
Did you know that your credit history may affect your ability to purchase auto insurance and help determine the quotes you see? Read More

Buying Motor Vehicle Insurance Online: The Only Way to Go
Shop ‘Til You Drop – Not!Buying auto insurance for your vehicle no longer has to be the tedious, stressful, mind-boggling chore it once was. Now, thanks to the Internet, buying auto insurance is fast, easy, and convenient – and a few companies even offer a discount for purchasing online.

Full Coverage Auto Insurance

Insurance Quotes -> Auto Insurance -> Auto Insurance Components -> Full Coverage Auto Insurance
Full coverage auto insurance, or physical damage coverage insurance, is a combination of both collision coverage and comprehensive auto coverage. Collision insurance pays for damage to your automobile caused by collision with some other object or when your car rolls in an accident. Comprehensive insurance coverage, on the other hand, will pay for repairs to your vehicle necessitated by vandalism, theft or glass breakage.
Generally, when you are leasing or making payments on your vehicle, the creditor will require that you have full coverage auto insurance in order to protect their asset.
How Full Coverage Insurance Works
Full coverage car insurance covers the cost of repairs to your vehicle, and sometimes covers the cost of repair to other vehicles you may be driving, for losses resulting from incidents other than collision. Some examples of damage covered by include damages to your car if it is stolen, or if it is damaged by a flood, fire, or animals.
The auto insurance policy will cover the costs of repairing your vehicle, but you will have to pay the amount of the deductible, which you will choose when purchasing your policy. If you want your payments to stay low, you should choose a high deductible when selecting your auto insurance coverage. Keep in mind that you will have to pay the cost of the deductible out of pocket.

Limitations of Full Coverage Auto Insurance
Full coverage auto insurance is limited to the terms and conditions spelled out in the policy. This coverage is not required by state governments, just most lien holders.
If you have an older car or one in poor condition, this type of extensive coverage might not be the best choice because the longterm costs of the insurance may exceed the value of your automobile. But if your car is newer or in excellent condition, full coverage auto insurance will be the most help if you need to replace or repair the vehicle in case of loss.
Get Your Full Coverage Auto Insurance Quotes Now By Filling Out the Quick Form At The Top Of This Page.
USInsuranceOnline provides quotes for auto insurance of all types so our members can compare prices and save money.

about full coverage auto insurance

What exactly is full coverage insurance?
There is really no such thing as 'full coverage". No insurance company should advertise full coverage. Agents may use it as a term to reference physical damage coverage along with the state required coverage. Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Most lienholders require physical damage coverage if you are financing or leasing your vehicle.
You may be required to carry a specific amount of liability insurance if you are leasing the vehicle rather than financing it. Liability coverage consists of bodily injury coverage and property damage coverage. Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible. Property Damage Liability covers you if your car damages someone else's property.
You can learn more about coverages and definitions here. And you can shop for an insurance policy by getting a car insurance quote here.
Comment Update: Thank you for the added comments to improve our answers. One of our carriers, The Hartford has great extended benefits for "full coverage". Here are some of their added benefits:
Auto & Home Account Policy Savings
24 x 7 Claim Reporting Service
Countrywide Claim Service
1st Hartford Not-At-Fault Accident Forgiveness
24-Hour Roadside Assistance
Legal Representation for Accidents
No Deductible Windshield Repair Service
Home Ownership Credit
Full Range of Deductible Options
Full Range of Coverage Limits
Customer Repair Service Program (CRSP) w/Life of Vehicle Guarantee
Paid in Full or Monthly EFT Required *
Disappearing Collision Deductible *
Full Value Replacement Cost Coverage *
$100 Collision Deductible Waiver w/CRSP *
$10,000 Accidental Death Benefit *
Deductible Waiver for Not-At-Fault Accident *
Accident Forgiveness *
Renewal Assurance *
Emergency Expense Coverage *

What's full coverage auto insurance?

Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Most lienholders require physical damage coverage if you are financing or leasing your vehicle.
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Related Questions
If I have full coverage and my child gets their school permit, is that child covered?
When financing a vehicle in Florida what requirements do you need to have full coverage insurance?
What exactly is full coverage insurance?
I was driving a friend's car and got into an accident. He only has liability insurance. If I have 'full coverage,' will my insurance cover the accident since I was the driver?
What happens if your vehicle got into an accident and you yourself cause it? Would full-coverage insurance covers for it?? Or would you pay the damage yourself?
My windshield and passenger side window were broken by vandals. I have full glass insurance and want to know if this coverage also includes cleaning the glass out of my car?
Who covers the shattered glass in your vehicle (the passenger glass in the rear of an extended cab Silverado)? It was sitting in my driveway at the time. I got into the vehicle and shut the door and...
How can I tell if I have insurance that covers me if I damage my car by hitting a wall or if someone hits my car in a parking lot and drives away?

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Vehicle insurance

Auto insurance protects the buyer from losses resulting from traffic accidents.
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
Contents
1 Public policy
1.1 Australia
1.2 Canada
1.3 Ireland
1.4 South Africa
1.5 United Kingdom
1.6 United States
2 Coverage levels
3 Excess
3.1 Compulsory excess
3.2 Voluntary excess
4 Basis of premium charges
4.1 Gender
4.2 Age
4.3 Marital Status
4.4 Vehicle Classification
4.5 Distance
4.5.1 Reasonable estimation
4.5.2 Odometer-based systems
4.5.3 GPS-based system
4.5.4 OBDII-based system
5 Auto insurance in the United States
5.1 Coverage available
5.1.1 Liability
5.1.1.1 Combined single limit
5.1.1.2 Split limits
5.1.2 Full Coverage
5.1.2.1 Collision
5.1.2.2 Comprehensive
5.1.2.3 Uninsured/underinsured coverage
5.1.2.4 Loss of use
5.1.2.5 Loan/lease payoff
5.1.2.6 Towing
5.1.2.7 Personal Property
6 See also
7 External links
8 Notes

Public policy
In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
A 1994 study by Jeremy Jackson and Roger Blackman[1] showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.

AUTO INSURANCE INFORMATION

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.

Q: If I don't have auto insurance, and am involved in an accident that is completely not my fault, will the party at fault's insurance pay for the repairs to my car?
A: Yes, assuming that unlike you, the “party at fault” is carrying at least basic liability coverage, his or her insurance will pay for the damage incurred by their client. However, if the fault for the accident is shared, for example 50-50, then the other driver’s insurance will cover his or her portion of the damage, but will only cover your portion if the other driver is also carrying uninsured motorist insurance. However, uninsured motorist insurance is not obligatory in every state, and you should not count on it. Whatever the insurance situation of the other party, not carrying auto insurance is against the law, so you would be wise to buy it. Penalties for non-compliance with insurance laws vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states.

Have a teenager who is learning to drive? Stop worrying, and read our tips on keeping young drivers safe.
Shopping for auto insurance? The price you pay for your auto insurance can vary by hundreds of dollars. Here is a checklist of things you can do to save money.

AU INSURANCE BASICS
What is auto insurance? What is covered by a basic auto policy? Can I drive legally without insurance? What if I lease a car? Do I need separate rental car insurance? Is there a difference between cancellation and nonrenewal?
Related Information
FACTS AND STATISTICS: Auto Insurance

BUYING A POLICY & SAVING MONEY
How do I choose an insurance company? Where can I buy insurance? How can I save money? How much coverage do I need? What determines the price of my policy? What does my credit rating have to do with purchasing insurance? What information do I need to give to my agent or company? What can I do if I can't find coverage? How do I insure my teenage driver? Should I purchase an umbrella liability policy? Will my insurance cover renting a car after an accident?

HELP! I HAVE TO FILE A CLAIM
How do I file a claim? What should I do if I am having trouble settling my claim? Can my insurance company require me to use certain types of auto repair parts? How are the value of my car and the cost of repair determined? What are my rights when filing a claim? If I file a claim, will my premium go up?

SAFETY TIPS
Air Bag Safety At the Scene of an Accident Avoiding Deer / Car Collisions Car Breakdown Safety Cell Phones & Driving Child Safety Seats Driving in Bad Weather Senior Drivers Preventing Carjacking / Theft Road Rage Shopping for a Safe Car Teenagers and Safe

Auto insurance specialists

An insurance specialist role is searching a good company for his customer while they purchase a new Auto or renewal of the Auto insurance. The specialist has to search a good insurance product for his customer. Many companies would be offering some special concession to their customers. The existing companies would add some special announcement with their new insurance product etc. The specialist duty is to note the changes and keep maintaining a record book. Some of the companies would stop the benefits to the customers for some reasons. The insurance specialist got to be updated every movement when the insurance companies make some changes on their product. He has to suggest his customer at the time of renewal of a insurance product or for a new insurance product.
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Auto insurance conditions:-
Generally any auto is purchased it is insured with some companies immediately. It is enforced in the countries like United States of America. The life risk while driving at the time of any accidents takes place. The law is enforced to ensure the Auto while it is delivered to the customers.
Insurance companies in United States of America:-
There are about several thousands of insurance companies and agencies offering insurance for the car owners. The car would insure at the time of delivery of the car. The car owners normally pay their down payment and pay their dues regularly to the car dealer without knowing the value of the insurance, and the worthy of the insurance company. Most of the insurance companies would take the money from the car owners and after that at the time of accidents or unexpected things they would say many formalities to claim their insurance money. Many customers would realize the difficulties while they face unfortunates.

Advice form the Auto insurance specialist:-
A specialist should have enough knowledge about the insurance law and enforcement of the government of United States of America. The specialist should be also in a position to know the changes made in the laws immediately. He should be able to suggest a good insurance product for his customers. He should be in a servicing mind to serve his customers at the time of any accidents.
Adjustment officer and claim:-
The insurance specialist should be in a position to compromise the adjustment officer of the insurance companies and request him to be present at the accidents spots of his customers who faces any accidents. The insurance specialist should help the customer to claim good amount or at least covering the damages of the accidents.
Conclusion:-
The role of the Auto insurance specialist is an important to get the coverage?s from the insurance companies in time.
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Luke's real life auto insurance quote came back at 303 dollars a month. Luke got pissed... and put his new webcam to use. (Like all of our stuff, it's scripted.)
Luke's real life auto insurance quote came back at 303 dollars a month. Luke got pissed... and put his new webcam to use.(Like all of our stuff, it's scripted.)
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VoyageMatt (8 hours ago) Show Hide
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uh, pretty sure it's the other guy in the duo. Not the actual insurance agency.Notice how they say it's scripted.You can't script something when you don't know what the other person would say.
jberryman22 (8 hours ago) Show Hide
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i just got the assume thingie. ASS out of U and ME. ahahaha that's hella clever
poopsicle12321 (18 hours ago) Show Hide
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Lawl, I can watch this over and over and it's still hilarious
CK4Lego (1 day ago) Show Hide
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what game?????
ryuk756 (1 day ago) Show Hide
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wonder if the guy on the other line ever watched this video
Johnnynogood86052 (2 days ago) Show Hide
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Awesome!
deadandgone2113 (2 days ago) Show Hide
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CRAP i just lost the game! i haven't lost it in like 2 years ahaha
MikeCheck25 (3 days ago) Show Hide
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probably my favorite barats and bereta vid
WholeBran (3 days ago) Show Hide
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crap just lost the game, i was going so well
Rulzfilms (3 days ago) Show Hide
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what the hell is the game.. lol i'm lost... :l

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Use These Tips to Save Money On Your Car Insurance
Saving more money
When it comes to car insurance, if you are like me and reside in NJ then you already know of the crazy high rates, choice of companies and the headaches that go along with it. Vincent Zarate reports in August of 2007 in Insurance Advocate of a decrease by $68 of the auto insurance premiums in the auto insurance market in New Jersey. Great news for us. It isn't much, but any savings with these prices is better nothing. Zarate also revealed that this decrease is the result of companies` initiative to cut their rates to stay competitive in the auto insurance market. In addition, this figure led the industry to increase its premium by $5 billion due to car insurance law in the year 2004. But as all experts agree, when it comes to buying car insurance, or any insurance for that matter, do your homework. Ara Trembley of National Underwriter/Property & Casualty Risk and Benefits Management says, "A survey of online automobile rates found that consumers might end up paying more money for a product that does not suit their needs." Trembley then goes onto say, "that online car insurance consumers should pay more attention to details and worry less on the quickness of the results." Understand your policy and make sure you are not paying for items you really don't need. Take Bonnie Gibbs for example. Reported in a recent article in Good Housekeeping magazine, Bonnie and her family were paying nearly $8,000 in car insurance for four drivers. Imagine getting that bill, wow! She decided to call her insurance agent and went through every line of the policy. Once she understood it, she eliminated anything she didn't need. For instance, she cancelled her roadside assistance because she was enrolled in a similar program with her cellular telephone provider. If you are paying exorbitant rates, you may want to consider the same. Sit down with your agent and go through your policy. If they are unwilling to do that, then consider a different, more reputable company. You do not want to get stuck with a bad insurance company, in a time of need. For those of us in New Jersey, with competition comes hope for better rates and better companies. Steven Goldman, Insurance Commissioner in New Jersey, said that the entry of more companies is a clear indication that consumers continue to benefit from increased competition and demonstrates that they continue to make progress toward their goal of a stable sustainable automobile insurance market. This type of market will everyone to benefit. So how can you save additional money on your car insurance? There are a variety of ways and they differ from state to state so talk to your insurance rep, or the state department that regulates insurance companies. Some of the more popular ones are taking a driving course, owning an energy efficient vehicle, a car with anti-lock breaks and anti theft protection, having your home and car policy with the same company, and if you have a teen driver in the family, a lot of companies are now giving discounts to families whose teen drivers get good grades. There are ways to save money on your policy. Like anything else, the more effort you put into, the more you will get out of it..

Car Insurance Rates

Car Insurance Rates is your ultimate online resource for auto insurance. We provide company reviews, vehicle purchasing advice, valuable information on all types of policies, and more!
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Retesting Elderly Drivers
Life After DUI - The Auto Insurance Implications
Let's face it. You have to insure your vehicle, and sometimes the process of choosing the right policy can be pretty overwhelming. Fortunately for you, we're here to help! This website provides you with important information on types of policies and outlines the most important terms that you should be familiar with before you buy. If you're in the process of switching companies, understanding what you're paying for ensures that when you switch, you're not lowering your coverage, just your rates!
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ChoiceQuote Insurance Services

ChoiceQuote Insurance Services is part of the GAN UK Group, the UK broker division of Groupama Insurances.
ChoiceQuote currently employs around 70 staff at its head office in Liverpool, with other branches in Manchester, Birmingham and Glasgow.

History
1995 Phil Catterall purchased a small personal lines insurance broker with a premium income of £1.5m located in Manchester, England and executed a business plan to focus on niche, non-standard motor insurance with initial emphasis on taxis and motor trade road risks.
Expanded into Liverpool by opening a new office.
1996 Relationship established with MMA Insurance PLC ("MMA") to co-develop products and provide the majority of their capacity.
Introduced Motor Trade Road Risks.
1998 Strategic co-operation initiated with Equity Red Star, one of Lloyd's of London personal lines syndicates.
2000 First broker to launch website with buy online motorcycle insurance quote engine.
2004 First broker to launch online taxi insurance quote engine.
2005 Diversified product offering by moving into commercial vehicle insurance.
In-house development team recruited to create bespoke online quote engines, point of sale branded products and aggregator integration technology.
Equity Motor Trade Road Risk underwriting authority granted.
2006 IT platform created in conjunction with SSP to provide backbone for major policy count growth.
2007 Standard and non-standard private car insurance introduced as part of its direct offering.
Invested in new telephony system, contact centre software and dialer to help drive efficiencies and growth.
Opened satellite sales offices in Birmingham and Glasgow to provide field risk selection intelligence for regional taxi and fleet sales.
Took non-starndard car product live with aggregators uswitch.com, confused.com and gocompare.com.
Exclusive arrangements with an insurer agreed in order to deliver non-standard products online.
2008 Private car panel expansion initiated with several major insurers.
Acquired by Groupama UK
Cathie Bruce appointed as Managing Director.

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Auto Insurance Price Comparison Tables and Notes
APPENDIX I
Territory Descriptions
Note: The Price Comparison Tables in PDF format require the Adobe Acrobat Reader to view, print or download. See below to find out how to obtain the Adobe Acrobat Reader.
NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEDOWNSTATE REGION
The following table shows the Downstate Territory Number in Column One and the Downstate Territory in Column Two.
DOWNSTATE TERRITORY NUMBER
DOWNSTATE TERRITORY
03
BRONX SUBURBAN
01
BRONX URBAN
17
KINGS (KINGS COUNTY)
20
HEMPSTEAD TOWNSHIP
18
MANHATTAN
64
MIDDLETOWN
94
MOUNT VERNON AND YONKERS
32
NEWBURGH
55
QUEENS SUBURBAN
19
QUEENS URBAN
68
ROCKLAND
05
STATEN ISLAND (RICHMOND COUNTY)
75
SUFFOLK COUNTY WEST

NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEUPSTATE REGION
The following table shows the Upstate Territory Number in Column One and the Upstate Territory in Column Two.
UPSTATE TERRITORY NUMBER
UPSTATE TERRITORY
13
ALBANY
72
ALBANY COUNTY (BALANCE)
28
BINGHAMTON
07
BUFFALO & LACKAWANNA
42
BUFFALO SUBURBAN
67
CLINTON, ESSEX, FRANKLIN, HAMILTON, LEWIS, ST. LAWRENCE, WARREN (BALANCE) & WASHINGTON (BALANCE) COUNTIES
59
COLUMBIA & CATSKILL
54
CORTLAND, CHENANGO, CHEMUNG COUNTY (BALANCE), TIOGA, SCHUYLER & TOMPKINS COUNTIES
61
DELAWARE, HERKIMER SOUTH, OTSEGO & SCHOHARIE COUNTIES
27
ELMIRA
51
ONTARIO
33
POUGHKEEPSIE
11
ROCHESTER
39
ROCHESTER SUBURBAN
82
SULLIVAN COUNTY
12
SYRACUSE
38
SYRACUSE SUBURBAN
34
TROY
15
UTICA
NOTES TO APPENDIX I
The rates contained in Appendix I represent the following six specific types of drivers (classifications), each of which are rated as owner and principal operator of the vehicle:
an unmarried male age 20 (with driver education) for pleasure use only;
an unmarried female age 20 (with driver education) for pleasure use only;
an adult male driver age 35 driving to work 10 miles away; and
an adult female driver age 35 driving to work 10 miles away; and
a retired male adult age 69 for pleasure use only
a retired female adult age 69 for pleasure use only.
All of these are rated as driving 10,000 miles annually.
All are rated as having been licensed three years at the effective date of the policy.
All of these are rated with no surchargeable accidents or violations. Such surcharges would increase the premium (see Chapter VIII “The Importance of Highway Safety & Safe Driving”).
For each male classification presented, rates for females with the same characteristics would be slightly lower with the majority of insurers; otherwise they would be equal. None of these insurers charge a higher premium for a female with the same characteristics.
For all classifications presented, any discounts for which a person meeting these definitions (such as a senior citizen) under a particular company’s rating manual would qualify are incorporated into the rates.
In reference to the fifth and sixth classifications cited above, the majority of insurers do not charge a higher rate as age increases for those above this age. Age 69 was chosen for representative purposes. However, please note that under some insurers’ rating plans, premiums may increase as a policyholder enters higher age classifications.
Please note that under most insurers’ rating plans, the rating classification assigned to an insured vehicle is that of the highest-rated youthful operator regardless of the age of the other operators (typically at a lower “occasional operator” rate).
Some insurers use territory definitions that are different from those used in this Guide. Where they differ, the territories in Appendix 1 that most closely corresponded to the territories submitted by insurers were used.
NOTES TO PRICE COMPARISON TABLES
More specifically, certain companies’ rates reflect slight differences in coverage as follows (as keyed to the price comparison tables):
Multi-tiering
These companies use a multi-tier rating structure (see Chapter IV).
Combined Single Limits
These insurers only write single limits of coverage at a $60,000 minimum level. This means a policyholder is not limited to $25,000 per person or $10,000 for property damage (the minimum limits set by law). Rather, an aggregate limit of $60,000 will cover claims resulting from bodily injuries to one or more persons and/or claims for property damage. Rates for these insurers reflect the higher levels of coverage.
The amount of premium required to raise Property Damage liability coverage to $50,000 is included in the amount shown for “Bodily Injury Coverage to $100,000/$300,000” (as this amount represents aggregate liability coverage of $300,000).
AutoOne insurance
This insurer only underwrites those who have been in the New York Automobile Insurance Plan (NYAIP) for at least six-months.
These insurers use a multi-tier rating structure and have different liability limits requirements for each tier. For all classes, liability limits of 100/300/50 will result in a different rating tier.
State Farm Companies
State Farm does not sell bodily injury and property damage liability coverages separately. Therefore, the rates shown under the "BI" columns are the combined BI/PD Liability rates.
USAA
This insurer generally only underwrites those who are present or former United States military officers or their family members.
Preferred Mutual
This insurer uses a multi-tier rating structure and has different liability limits requirements for each tier. For adult male (age 35) and Retired male or female (age 69) classes, liability limits of 100/300/50 will result in a different rating tier.
These insurers provide rate quotes for a private passenger automobile policy on their Web Site (See below for web addresses).
Response Worldwide Direct
This insurer generally only underwrites teachers.
INSURER
Web Address
Allstate Indemnity Company
www.allstate.com
Amica Mutual Insurance Companhy
www.amica.com
Erie Insurance Company
www.erieinsurance.com
Erie Insurance Company of New York
www.erieinsurance.com
GEICO General Insurance Company
GEICO.com
GEICO Indemnity Company
GEICO.com
GEICO
GEICO.com
Liberty Mutual Fire Insurance Company
www.libertymutual.com
Metropolitan Casualty Ins. Co
www.metlife.com
Metropolitan Group Property & Casualty Ins. Co
www.metlife.com
Nationwide Insurance Company of America
www.nationwide.com
Progressive Direct Insurance Co
progressive.com
Progressive Preferred Insurance Co
driveinsurance.com
Response Worldwide Direct Auto Insurance Compnay
teachers.com
State Farm Fire and Casualty Company
www.statefarm.com
State Farm Mutual Automobile Insurance Company
www.statefarm.com
United Services Automobile Association
www.usaa.com
USAA Casualty Insurance Company
www.usaa.com
Warner Insurance Company
www.response.com