Car Insurance

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In the U.S., a driver’s license means greater responsibility and risk, but it also means freedom and flexibility. Nationally, 85 percent of adults aged 16 and older have a driver’s license. Annually, these drivers log 3.2 trillion miles. While many of these miles are accounted for by road trips and family vacations, the majority come … Continue reading “The States that Drive the Most (& Least)”

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If you haven’t been through the car insurance claims process before, knowing what to do can be a bit tricky. Depending on what type of claim it is you might need to talk to your own insurance company’s claims department and the insurance claims department of the other person if there was a car accident. This guide will provide you with an overview of what to expect and how the process works.

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Having a good credit score can get you approved for financing as well as better rates and higher credit limits. Your score can help determine if you will be approved as well as how much you will pay for a car loan, insurance, mortgage, cell phone with a plan, or credit card, among other things. It can even be a determining factor when applying for some jobs.

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If you have just been in a car accident, the task of finding an attorney may not be the easiest thing to deal with on top of damage to your vehicle, calls from insurance companies, dealing with the other drivers involved, and healing from injuries. However, there are some cases in which contacting an attorney is highly recommended after you have been in a car accident.

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Traditional car insurance base driver’s rates on a number of factors. There is usually a very long and detailed questionnaire, that ask questions like number of eligible drivers in the house, how long have you been driving, your current zip code, your age, the number of accidents, number of any moving violations, do you rent or own your home, job title, highest level of education, the number of miles driven etc. Now you may ask yourself, what do all these questions have to with getting my car insured? Traditional care insurance companies take the answers to all these questions and load them into an algorithm to determine the risk factor of you having an accident. Based on those answers, or the results the algorithm uncovers, traditional car insurance companies will decide to insure you or not insure you, or give you a higher rate. The bottom line is traditional car insurance is based a combination of many factors, but the most important factor is demographics and driver’s history.

Insurance companies come in many shapes and sizes. When shopping for insurance, you should know that a company that is good for one person might not be good for another.

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It would be an understatement to say that car insurance can be confusing. We all know that certain types of coverage are required by law. There are quite a few types of coverage available including bodily injury liability, property damage liability, personal injury protection or PIP, collision, comprehensive and uninsured/underinsured coverage. Before you close the deal on your next car purchase, be sure that you have a proper understanding of the basics of insurance coverage, so you are equipped with the knowledge to ask the important questions and make informed decisions.

It is important to maintain a car insurance policy in Kentucky as the state has strict penalties for those who don’t. The state is one of 3 states that follows the rules of a choice no-fault system but the specific regulations can vary from other states. Staying current on Kentucky insurance rules and regulations can help you maintain adequate coverage.

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Every driver must be insured. Younger people, specifically students are typically classified by insurance companies as being higher risk, so the majority of car insurance companies charge them much higher rates. Many students find it less expensive to remain on their parents’ insurance plan. However, if a student attends a school that is out of town, this is no longer an option. Students can benefit from obeying traffic laws, being careful about their credit score, and minimizing unimportant driving. By taking these steps, students can obtain more affordable insurance and save money in other ways.

Finding the right insurance policy in Texas starts with getting familiar with the basics. Our site provides state specific guides to help inform our users on insurance laws and regulations to help them make their insurance shopping experience a great one.

Free Car Insurance Quotes!

You don’t need to contact every insurance agency in order to get the cheapest car insurance quotes; you can compare car insurance quotes quickly and easily at US Insurance Agents. Fill out one quote request form, and we’ll instantly match you with national and local agents that can help you through the process of selecting the right car insurance coverage.

Speaking with a trained and experienced agent allows you to ask questions regarding your policy and gives the agent an opportunity to find out more about you and discounts you may be eligible for without even knowing. An experienced agent can go over your options and help you decide whether you should get full coverage auto insurance quotes, state minimum coverage or a policy that’s in between the two.

Being smart about your money and smart about your insurance protection is important for any driver. By using US Insurance Agents to compare car insurance, you can be sure that you’ll find cheap car insurance that also provides the coverage you need.

Start a quote now & see how much you can save!

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