General Auto Insurance: Quotes, Information and Tips

General Car Insurance Question #9: What is “minimum coverage”?

In the last decade or so, insurance advertising has exploded. According to Risk Information, Inc., insurers spent about $1.6 billion in advertising in 2001. Fast forward to 2010, and that number skyrocketed to $5 billion. Insurers are trying harder than ever to get your business, and one of the biggest pitches involves a phrase that came onto the pop culture scene during this advertising boom and is now known to all consumers: minimum coverage. The first thing to know about this minimum coverage is the term refers to LIABILITY coverage. Coverage on an auto is broken down in different parts. [...]

General Car Insurance Question #10: Why do I need Uninsured Motorist Coverage?

General Car Insurance Question #1 in our series of in-depth coverage analysis: “Why do I need Uninsured Motorist coverage?” There is a misconception among consumers regarding uninsured motorist coverage; this misconception is that uninsured motorist coverage is not important and not necessary. Here, we will dispel this myth by examining the value that uninsured motorist coverage can provide as a part of your insurance policy package. First, it would help to understand what uninsured motorist coverage does. This coverage provides a benefit to you by paying when you are injured by someone who doesn’t have insurance. Estimates generally put the [...]

Medical Payments: Ten things you Need to Know about this Important Auto Insurance Coverage

Many people make mistakes when shopping for auto insurance. These mistakes can be critical, causing real problems when you have a claim. One area where you can really get yourself in trouble is with medical payments coverage (called PIP in some states). If care is not taken, you could end up with enormous bills with your name at the top and no help paying them. Here is a list of ten things you should understand about medical payments when shopping for auto insurance quotes: 1. With very few exceptions, the only way to get your insurance company to pay if [...]

General Auto Insurance Questions to Ask Your Agent

General auto insurance questions will be helpful to have at your disposal when you next visit your agent. Most people believe they have excellent coverage; it’s almost without fail that insurance clients today refer to their coverage as “good” or “pretty good” without as much as a second thought. In my time as an insurance agent, I simply found this to be untrue. The vast majority of the drivers out on the road today have a sorry excuse for insurance – and that should scare you on several levels. First, you might be the one who is underinsured, putting your [...]