To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
#1 by Steven A on July 12, 2009 - 8:04 pm
wait, if u sold the car to someone else, it's their responsibility to insure it. in fact, YOU can't insure a car that's registered to someone else. so i'm a little confused…
#2 by Dr0pkick on July 12, 2009 - 8:05 pm
@uyg2008 GTFO
#3 by RavensDude52 on July 12, 2009 - 8:16 pm
haha “nice try pervert”
#4 by kelly on July 12, 2009 - 8:17 pm
How much it costs is going to vary, based on a bunch of your personal information.
Start with http://www.progressive.com, for insurance. You can get a quote on the internet – you fill out the very personal information, they will email a quote back to you.
It will be easier if you have a US license, but if you don't, as long as your license is written in English, it's not a problem. Otherwise, you'll need an international license.
#5 by HiImMikeWebb on July 12, 2009 - 11:54 pm
state owned penis enlargment.
#6 by lightuplion on July 14, 2009 - 8:32 am
haha, Nice.
#7 by mom2omar on July 14, 2009 - 10:24 am
If you have an insurance company that is refusing to allow you to remove an authorized driver from your policy unless you PROVE the authorized driver has insurance elsewhere, it's time to get a new policy in place at another company and then drop your current insurance. That is ridiculous.
If you want to stay with that company for some reason (although I couldn't think of any) you might call your agent and ask why you need to do that, and tell him you will switch if you can't, and see what happens.
#8 by css on July 14, 2009 - 11:21 am
When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you'll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else's car just because you're driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative's insurance would have to cover that loss.
#9 by True2it on July 14, 2009 - 3:29 pm
Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.
#10 by uyg2008 on July 14, 2009 - 9:10 pm
You stupid kids shouldnt be driving anyway. If you are under 40 stay off the road.
#11 by mtxh89 on July 14, 2009 - 11:40 pm
lol
too many lines i want to quote.
#12 by Steven on July 15, 2009 - 1:26 pm
If you park your car on your parent's property, and never drive it anywhere, you might not need to have any insurance.
But if you are going to take that car out on the public highways, you need all sorts of different types of insurance to pay for medical expenses if anyone hurt in an accident, pay for repairs if any damage from accident, get another car if it is stolen, protect your assets (house, car bank accounts) from beign drained by law suits, and also keep you out of jail.
While you are living under your parent's roof, they can add you to their insurance policy … this will be expensive, but not as expensive as a policy in your own name.
Once you go to college, and live wherever the college is, no longer under your parent's roof, then you do need to have policy in your own name.
#13 by Pinsentry on July 15, 2009 - 1:57 pm
You CAN do that since you are changing anyway.
You might want to notify your PRIOR insurance company once you have the NEW coverage in force – just to avoid any duplication of coverage and any "earned premium." If the company automatically renews and you don't inform them, they might try to collect for the time you had coverage in force.
Just show them a copy of your NEW policy and they will cancel the old.
That's the way it SHOULD be done.
Good luck, drive RESPONSIBLY and I hope this helps!
#14 by cattie1220 on July 15, 2009 - 4:07 pm
@CanucksfanKyle
Dude you know that’s Joe pretending to be an insurance guy right? It says right at the beginning “Based on True Story” and says in description it’s scripted.
#15 by oxear on July 15, 2009 - 5:08 pm
penis
#16 by leimo25 on July 16, 2009 - 12:58 am
penis taxes…
and where dose those taxes go?
#17 by hedonist on July 16, 2009 - 1:49 am
Every card is different, and the card companies can change their insurance carriers without notice. Most of them give collision damage waiver only. If you have an accident, they will cover repairs over and above the rental company insurance, but they do not cover the cost of a replacement rental for you to drive. Very few of them cover liability. The most complete coverage may be offered by your insurance company, for a lower fee than the waivers offered by the rental companies. In Manitoba, for instance, we sell (to Manitobans) a rental car policy that gives $50 deductible for damage, loss of use coverage, and 5 million dollars liability coverage, and this package can be bought to cover a rented car anywhere in Canada or the US. So, before you rely on your credit card, read the wordings booklet, then talk to you auto insurance agent.
#18 by Amanda on July 16, 2009 - 6:50 am
You should qualify for liablity insurance instead of full coverage. The actaul amount of insurance depends on what your car is worth right now, how old it is, your past driving record and your "hi risk" lable will definately have an effect. You'll have to get quoted at a few different places to be sure what company has the lowest rate for you.