Delaware Car Insurance

Delaware Car Insurance: Residents

Guide to Requirements

If you are in Delaware and you are looking for car insurance, you may
find that there are innumerable insurance companies who will lure you to
buy a policy from them and offer you cheap insurance. The
advertisements may be enticing, but not all companies are genuine.
Hence, finding the right car insurance policy in Delaware can be a very
complicated task.

 

It is therefore very essential to first get information about the
insurance requirements from the Delaware Department of Insurance before
buying insurance. Each state has its own set of rules and guidelines
concerning car insurance, and if you want to get the best insurance
coverage, you must first know the rules of your state, Delaware.

The laws in Delaware make it compulsory for every driver in the state to
have minimum liability insurance coverage. The minimum liability
coverage covers the cost of, not only the bodily injury, but also the
property damage.

 

Delaware follows the 'Tort System' for car insurance. As per the system,
a single person is held responsible for the accident and has to pay for
the damages.

Each and every driver in Delaware, as per the law, is required to have
minimum liability coverage of $15,000 to pay for the medical expenses of
a single person who suffers bodily injuries in an accident. Delaware
state auto insurance law also requires drivers to have a minimum of
$30,000 coverage to pay for damages, if more than one person is injured
in an accident. If the driver causes any damage to private property, the
minimum coverage required is $10,000.

 

Apart from minimum liability insurance, Delaware has a tort system which
also requires every driver to have Personal Injury Protection (PIP)
coverage for minimum of $15,000 for one person and $30,000 for the total
number people involved in the accident.

Comprehensive information on Delaware state requirements for auto
insurance can be obtained from the Delaware Department of Insurance in
Dover at 1-800-282-8611 or by visiting their website athttp://www.delawareinsurance.gov/.

 

If you live in Delaware and looking to save money on your car insurance,
there are some discounts that Delaware auto insurance companies offer.
Most of our insurance partners in Delaware offer discounts as they
compete for business locally. You can check for available discounts
using our free quotes comparison tool available at the end of this
article.

There are various types of discounts available for drivers in Delaware. Some of which includes:

 

Good Grades Discounts: If you are a student, then you
might be qualified for this discount offer. But your academic records
should reflect that you have consistently maintained good grades. If you
maintain a 3.0 Grade Per Annum (GPA), you may qualify for the discount.
This type of discounts is especially helpful for young drivers who are
just getting started.

Defensive Driving and Safety Devices: If you've taken a
defensive driving course and do not have any accident records, some
companies may offer you a discount on your premium. You should also be
eligible for discounts if your car is equipped with modern safety
devices.

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Florida Car Insurance

Florida Car Insurance: Easy Guide 

FL to Auto Insurance

The state of Florida has the most unique laws for car insurance. We
strongly suggest you get a good idea on the minimum requirements of FL
state law before you purchase a car insurance policy.

Florida is a No Fault state, which means your insurance company is
required to pay for your injury claims regardless of who is guilty for
causing the accident. Specific laws under No-Fault vary from state to
state. Normally, under this system, you lose your right to sue the
guilty driver.

Florida state law requires you to have property damage liability
coverage with a lower limit of $10,000 and personal injury protection
coverage (PIP) of the same amount. PIP pays for the treatment of
injuries to you and your passengers, lost wages and death benefits. If
the economic damages are less than PIP coverage, you lose the tort
claim.

 

However, if the economic damages exceed the liability coverage, you are
entitled to sue for permanent injury, significant disfigurement or
death. This coverage also covers pedestrians hit by a car whose driver
is insured. This is often referred to as PIP/PD.

Though it is not mandatory under the state law to buy a minimum coverage
for bodily injury liability, you may have to get this if you have been
involved in an accident in the past.

Many residents of Florida live in the state for only 6 months. They move
to other states during summer and come back only when fall sets in. If
you are one of these people, you need to maintain insurance of your car
as per Florida laws for as long as the car is registered in Florida. If
you don't want to do this, you can cancel your registration before
leaving and simply re-register your vehicle again when you return to the
state.

 

If you don't purchase the minimum insurance coverage as required by
state law, you will not be able to either get your car registered or
obtain a license plate. Driving your car without a proof of insurance
can land you in major trouble. If you are caught, your license may be
suspended for a period of three years and after the suspension period is
complete, you will be required to pay anywhere between $150 and $500 to
re-activate your license.

Under the state law of Florida, it is not mandatory for car insurance
companies to offer Collision and Comprehensive coverage to customers.

More information on Florida auto insurance can be found through the
Office of Insurance Regulation in Tallahassee by contacting their office
at (800) 342-2762 or visiting their website at www.StateofFlorida.com.

 

The average car insurance premium for residents of Florida in 2009 is
$1,715. The current rate is 8% higher than that of 2008. If you know the
state requirements and your own needs for car insurance properly,
finding a policy that fits your budget is not very difficult. The next
step is getting quotes.

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Georgia Car Insurance

Georgia Car Insurance: Essential 

Driver Requirements

A car insurance policy is a standard requirement every driver needs to
satisfy to be able to drive legally in the state of Georgia. You can get
by with the minimum state requirements, but it is always wise to own a
coverage with higher limits.

Liability car insurance is mandatory for every car in the state of
Georgia in order to pay for any injuries or property damage after an
accident. Liability car insurance covers the medical bills and for the
damage done to vehicles as well. The minimum legal requirements are:

• $25,000 per person for Bodily Injury Liability
• $50,000 to cover bodily injuries of more than one person.
• $25,000 covers Property Damage Liability.

Drivers also need to carry the hard copy of their insurance policy in
their car as proof. This proof of auto insurance is also required while
traveling out of the state.

It’s recommended that driver also purchase the Uninsured/Under insured
Motorist Bodily Injury covers injuries caused by an uninsured or under insured driver. However, this policy is not mandatory in Georgia.

More in depth details are available from Georgia Department of Insurance in Atlanta at 404-656-2070 or through their website at http://www.inscomm.state.ga.us/.

There are various ways in which you can reduce you can insurance premiums in Georgia, some of which are:

Install Security Devices in the Car

Getting a security devices fitted in your car such as locks reduces the
risk of your car being stolen. Cars with security devices installed get a
discount on car insurance, especially if they are approved or fitted by
the manufacture.

Multiple Car Discount

Most insurance companies offer discounts for customer willing to
insurance more than one car. Getting auto insurance for your family cars
under one policy can mean a significant cost saving. Using out free
quotes comparison tool at the end of this article, you can check which
companies your area offer multi-car insurance discount.

Yearly Policies

A yearly policy gives you a fixed rate of insurance which cannot be
altered for one year. If for instance, you choose a car insurance policy
for six months, your insurance rates will change every six months. The
rate after six months may increase unexpectedly which can affect your
finances.

Comprehensive Storage Coverage

If you are not planning to use your car for a long time, you can just
keep comprehensive coverage for that period, instead of a full coverage.
There is near zero chance of the car being involved in an accident
while locked in the garage.

Reduce your Mileage

It is wise to move near the place of your work or study. Cars that have
less mileage are offered discounts, as they don’t run too much risk of
getting into an accident, at least in most car insurance companies risk
management calculations.

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Kentucky Car Insurance

Kentucky Car Insurance: Easy Guide for

Drivers in KY

Like all other states, Kentucky also has minimum car insurance
requirements. If you are a licensed driver in the state of Kentucky,
your insurance plan must meet the minimum insurance requirements set by
the state insurance department. These include bodily injury and property
damage coverage.

The state offers drivers the option to choose between a “split limit” and “single limit” coverage.

In the split limit coverage, the minimum limit for bodily injury
liability is laid down as $25,000 per injured person per accident and
$50,000 for all injured people in an accident. The minimum limit for
property damage liability is $10,000. This basic insurance plan is
referred to as 25/50/10 coverage.

The Personal Injury Protection Coverage has a minimum limit of $10,000.

 

The single limit coverage includes an amount of $60,000 for all damages incurred in an accident.

Kentucky has implemented a choice of “no fault” policy. This means that
it is up you to choose or reject your right to sue the person
responsible for the accident. When you agree to let your insurance
company pay for all the damages in an accident, you have to give up your
right to sue the other driver. However, you can be compensated for
medical and funeral expenses regardless of whose fault the accident is.
This policy helps in lowering the rates of insurance premiums.

 

The state of Kentucky has not made it mandatory for its drivers to
purchase uninsured and underinsured coverage. The choice of purchasing
these coverage options is left to the drivers. The minimum limits for
uninsured coverage is the same as normal. However, there is no minimum
limit for an underinsured coverage.

You also need written proof of your coverage while going out for a drive
in the state of Kentucky. It is advisable to adhere to the laws of the
state because violations of the laws attract strict penalties.

The average car insurance premium rate in the state of Kentucky is $1,937 for 2009 which is 17% higher than 2008.

Kentucky car insurance is not cheap. Before you settle down for a
particular car insurance company, you need to get free quotes using our
form below. Compare the insurance premium rates offered by different
companies. Choose the company that offers the most competitive rates
while adhering to the requirements of state law.

For more information regarding Kentucky insurance policies residents can
contact the Kentucky Office of Insurance in Frankfort, KY at (800)
595-6053 or visiting their website at http://insurance.ky.gov .

The financial responsibility laws can be easily satisfied if you
purchase your car insurance from a Kentucky Licensed Insurance Carrier.

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Maine Car Insurance

Maine Car Insurance: A Simple

Overview of ME Auto Insurance

The Tort System is followed in the state of Maine. The Tort system
states that the person responsible for the accident be found. That
person and his/her car insurance company are to be held responsible for
all the damage. The rules of the Tort system differ from one state to
another.

 

It is mandatory to have Medical Payments coverage in Maine to cover the
funeral and medical expenses for you and the people hurt in the car
accident. Minimum Medical Payment of $1,000 is also required.

Maine requires a minimum Uninsured/Underinsured Motorist Coverage of
$50,000 per person to cover the damage caused to you or your party by an
uninsured driver. To cover any bodily injury caused to you and your
party by uninsured/underinsured driver $100,000 is needed.

Carrying a proof of insurance is also required in ME if involved in an
accident or stopped by state authorities when driving. If you don’t have
a proof of auto insurance when requested, you can be fined up to $500
and your license registration could be suspended for up to 30 days.

More details on Maine auto insurance requirements are available by
contacting contact the Maine Bureau of Insurance in Augusta prior to
buying a policy. This can be done either by calling their office at
1-800 300-5000 or visiting http://www.maine.gov/pfr/insurance/.

Different companies offer different car insurance prices. Using out free
quotes too, you can get up to different quotes from multiple companies
in Maine. It is wise to compare the prices of five or six car insurance
companies so you can figure out which is suitable for you. Prices of
various car insurance companies are also given by State Insurance
Company.

Asking for discounts from insurance companies can get you a good deal.
Car insurance companies offer discounts or a special rate for people
with a good credit rating, an old car with a low mileage, of a certain
age, who’ve taken a drivers course, who’ve fitted their car with a
security system.

Monthly premiums of car insurance can be expensive. If you pay for six
month or a year at a time, the premiums can be much lower as you save
yourself paying the interest usually included in monthly payments.

 

Taking advice from family and friends can find you a suitable deal. A
friend or a member of the family could have experience with a particular
insurance company and know the quality of service offered by the
company. You can also use customer services rating published by the
insurance provider or available elsewhere on the internet or car
magazines.

The more deductible you pay, the less you’ll pay in premiums. Also, you
and your spouse can opt for a joint insurance policy and avail
discounts. Car insurance companies also offer discounts after you have
turned 25 years of age or 55. Premiums can also be changed when you move
from one address to another. The new rate will depend on the crime rate
and vandalism in the new area.

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Maryland Car Insurance

Maryland Car Insurance - What 

Residents Need to Know

If you reside in the state of Maryland and you are looking to buy a car
insurance policy, then there are some basic requirements mandated by the
law of the state you must know.

The state of Maryland follows a tort system which means that one of the
parties involved in an accident must be at fault. The person responsible
for the damage has to cover all costs of bodily injury and property
damage caused to the victim.

Maryland state law defines minimum bodily injury liability with a limit
of $20,000 per person and $40,000 per accident if more than one person
is injured in an accident. The minimum property damage liability is
$15,000.

 

The bodily injury liability covers costs of legal proceedings in case
the matter goes to court or out of court settlements if it is resolved
mutually by affected parties.

The uninsured motorist liabilities are also required and need to be the
same amount as bodily injury and property damage. This basic coverage is
referred to as 20/40/15 with 20/40 UM limits.

The minimum Personal Injury Protection (PIP) coverage required in
Maryland is $2500 per person. It pays for medical expenses for you and
your passengers. You have the option of taking a higher PIP cover or
waiving completely. Each insurance company has their own rules for
claiming PIP.

You can get additional coverage that pays for collision damages, medical
expenses, rental costs, transportation costs, towing and labor charges,
and mechanical damage.

The average car insurance premium for residents of Maryland is $2,235.
The average car insurance premium in Maryland in 2009 was 14% higher
than that in 2008.

You must file an FR-19 while registering a vehicle with the Motor
Vehicles Administration in Maryland. This form is provided by your car
insurance company and is proof of your insurance. It states that the
insurance coverage should be maintained by you as long as you own the
vehicle.

More information on Maryland’s insurance requirements is available by
contacting the Maryland Insurance Administration in Baltimore at
1-800-492-6116 or by visiting their website at http://www.mdinsurance.state.md.us.

 

If you do not have valid car insurance coverage that meets the
requirement set by the authorities of the state of Maryland, you could
face a fine of up to $150 for the first 30 days and $7 for each
additional day that you don't have insurance. Your registration may also
get cancelled and you will not be able to register a new vehicle until
you clear all your fines.

Most auto insurance companies in Maryland provide insurance quotes which has the state requirements covered.

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Massachusetts Car Insurance

Massachusetts Car Insurance: Easy

Guide to Auto Insurance Policies in MA

With regards to car insurance premium rates, Massachusetts is the fourth
most expensive state in the US. This state is also the one, which has
some very stringent laws pertaining to car insurance. The traffic law of
the state makes it mandatory for all the drivers to have minimum
liability insurance for their car to legally be operative on roads.

The Massachusetts car insurance law consists of some basic requirements, which are as follows:

Personal Injury Protection (PIP):

Massachusetts is one of the few states in the US, which follows the
no-fault system. The state adopted this system mainly to curb the number
of car accident cases. Since Massachusetts is a no-fault state, every
driver has to have a minimum PIP coverage of $8,000 to pay for his own
medical and vehicle damage expenses. The amount may sound like a very
high price, but this is the way by which the state makes sure that
citizens of the state have enough coverage if they get into a major
accident. Not many would relish shelling out such a large amount, but if
they happen to get into a major accident, they would realize the
importance of the law.

Bodily Injury and Property Damage to Others:

The state laws require every driver to have a minimum coverage for
bodily injury for a single person to the tune of $20,000, coverage for
property damage to the tune of $5,000 and $40,000 for covering the
medical expenses of all the members who suffer injuries in an accident.
The law in Massachusetts is so stringent that if the expenses for any of
the damages exceed the minimum liability amount, the driver has to bear
the extra amount and has to pay out of his own pockets.

Uninsured / Under insured Driver Coverage:

Unlike in other states, it is mandatory for every driver n Massachusetts
to have UN-insured/under-insured coverage. Though buying this car
insurance coverage would raise your premium rates, it is advisable to
have this coverage because it would give you protection if you get into
an accident with another driver who is unable to pay for your damages.

If you are driving in Massachusetts, you must always carry your
uninsured/under insured coverage proof along with you personal car
insurance to avoid any penalty or getting a ticket.

Drivers failing to carry the minimum auto insurance requirements in MA,
can be fined up to $5000 plus jail term of up to one year.

Further information on Massachusetts auto insurance is available from MA
Division of Insurance, located in Boston, at their website www.mass.gov/doi, or by calling their office at 1-617-973-8787.

Because of such stringent car insurance laws, many insurance companies
find it difficult to operate in the state and they consider moving out.
Fewer companies mean the premium rates would go higher. However,
recently some laws have been enacted to make the car insurance liberal.

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Mississippi Car Insurance

Mississippi Car Insurance: Simple

Guide to Auto Insurance Requirements in MS

If you are looking for car insurance in Mississippi online, you may have
come across many sites that have many facts about car insurance
requirements in Mississippi. Some sites claim that looking for car
insurance in Mississippi can be as tough as buying the car itself. This
is because the laws that guide the car insurance companies in the state
are not well defined about what the minimum liability requirements are,
the types of insurance coverage required by the law, or how much
insurance one needs to buy to ensure total protection against any
damage.

Mississippi is one of the few states in the USA that does not make it
mandatory for every driver to have liability car insurance. According to
Mississippi traffic law, if a driver is willing to pay from his/her own
pocket for the expenses of the damage occurred due to an accident, then
the driver doesn't’t need to not have liability insurance.

Things have changed since then. On February 23, 2000, Governor of
Mississippi, Ronnie Musgrove, signed a bill making liability insurance
mandatory for every car driver in Mississippi. In 2006, the minimum
liability required by law for all drivers was established. In addition,
as per the law the minimum liability requirement is $25,000 per person,
$50,000 per accident and $25,000 for any damage caused to property due
to an accident.

More information regarding Mississippi’s insurance requirements can be
obtained by contacting the Mississippi Insurance Department located in
Jackson by calling 800-562-2957 or by visiting their website at http://www.mid.state.ms.us/

 

Some of the things you should also know about Car insurance in Mississippi are listed below:

Since the law has made it mandatory for all car drivers to have car
insurance, you must carry your copy of insurance in your car to produce
it when you are asked by any traffic officer. If you are not able to
produce your insurance proof, you will be immediately issued a ticket
and your driving history will be affected.

The liability limit of the Mississippi is very low as compared to other states.

When you purchase car insurance in Mississippi, the insurance you choose
should be such that it would offer you total coverage. The insurance
you choose should correspond to your needs concerning price and coverage
quality.

We recommend that you don’t limit your auto insurance coverage to
minimum liability coverage, but also consider other options such as
coverage against theft, repairs, uninsured motorists and other natural
mishaps.

If you have an insurance policy, which offers you an expanded coverage,
you can have a peaceful and hassle free drive. Also, according to a
recent study, buying expanded insurance coverage is not as expensive in
Mississippi as in other states.

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New Hampshire Car Insurance

New Hampshire Car Insurance: Easy

Guide to Requirements

New Hampshire is a state in the New England region of the northeastern
part of the U.S. If you are a first time car buyer looking to buy an
insurance policy, it is very essential for you to be aware of all the
car insurance laws and requirements of New Hampshire.

One of the best ways to get cheap car insurance in New Hampshire is by
opting for the minimum liability or a cheap New Hampshire car insurance
policy, often referred to as 25/50/25 policy. The minimum state
requirements are:

1. Bodily injury liability of at least $25,000 for one person in an accident
2. $50,000 for overall injuries caused in an accident
3. Property damage liability for up to $25,000

You can also prefer to opt for a $75,000 single limit policy, as it will also satisfy the minimum requirements.

For more information regarding New Hampshire insurance requirements
consumers should contact the New Hampshire Insurance Department in
Concord at 800-852-3416 or visit their website at http://www.nh.gov/insurance .

New Hampshire Car Insurance Laws:

As per the New Hampshire car insurance laws, it is not mandatory for you
to possess an auto insurance. However, if you are found to be at fault
of causing an accident and do not have an insurance coverage, you will
have to post a cash or bond equal to the amount of damage that you have
caused in the accident.

You will also need to meet the New Hampshire Financial Responsibility requirements to continue driving in the state.

Your Uninsured Motorists Coverage should be equal to the limit of Liability coverage you have purchased.

You need to know that if you are involved in an accident and do not have
insurance, a lawsuit may be filed against you. Defending such a lawsuit
can be very expensive. Therefore, it is better to have auto insurance
which will cover these damages.

Getting cheap car insurance in New Hampshire is relatively easy. For
this, you need to be aware of some important factors that will help you
get a cheap insurance rate. Some of these factors are:

Opt for Higher Deductibles:

One of the best ways of getting cheap car insurance in New Hampshire is
by opting for higher deductibles. With higher deductibles, you will have
to pay less premiums. If you increase your out-of-pocket deductible
from $250 to $500, you could save up to 10% annually.

Enquire about Discounts:

Certain insurance companies offer discounts for attending defensive
driving classes, safe driving, maintaining low mileage and being a good
student. Hence, you need to ask your car insurance company in New
Hampshire whether it offers any of the discounts mentioned above.

You need to consider insurance quotes of different insurance companies before making your final choice.

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New Jersey Car Insurance

New Jersey Car Insurance: Simple

Guide to Buying Car Insurance in NJ

The basic coverage in the state of New Jersey is required to be 15/30/5,
with upper limits of 15/30. Limit for Property Damage Liability is
$5,000 and for Personal Injury protection it is $15,000. In a standard
policy, the Bodily Injury Liability is $15,000 with a limit of $30,000.
Property damage Liability has the limit of $5,000.

The state of New Jersey requires minimum Uninsured/Underinsured Motorist
coverage of $15,000 per person with the limit of $30,000. The limit for
Uninsured Motorist Property Damage is $5,000.

New Jersey has a Choice No-fault System where the driver can reject the
No-Fault options and has the right to sue for any bodily injuries caused
to him/her by another party. There is also an option called PIP, or
Personal Injury Protection, which helps you pay for medical expenses,
sustained by you and passengers in your vehicle. Minimum Personal Injury
Protection of $15,000 is required in the state of New Jersey. Residents
of New Jersey paid an average premium of $2,489 in 2009 compared with
$1,807, the national average.

More specific information on NJ insurance policies can be obtained by
contacting New Jersey Department of Banking and Insurance in Trenton by
calling 1-800-446-SHOP (7467) or visiting their web site at www.state.nj.us/dobi. For now, here are some tips to find cheap car insurance quotes in New Jersey:

1) Compare Quotes:

Cheap car insurance quotes can be found by comparing the quotes offered
by different car insurance companies. The rates differ from company to
company based on factors like your age and driving record. It is prudent
to be aware that having a cheap insurance quote does not mean having
the best. The speed and the way the company handles its claims is also
important.

2) Increase Deductibles:

If you decide to pay a higher deductible, you will get a lower car
insurance quote. If you select a low deductible with a higher premium,
you have less to pay if a claim is made. You also have the option of a
higher deductible with low premium, but more money to pay out of your
pocket if a claim is made.

3) Discounts:

It is prudent to ask the car insurance companies if they offer any
discounts. Car insurance companies offer you a discount if you insure
your car and home at the same time. You are qualified for a discount if
you are not involved in an accident or haven't gotten a ticket for some
time. Cars that are less likely to be stolen are also offered discounts.
That is why installing a security systems in your car is a good option.
The car insurance companies also give you a special rate if your car
has less mileage on it.

4) Your Car:

Purchasing an old or used car can get a cheaper auto insurance premium.

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New York Car Insurance

New York Car Insurance: Simple 

Residents Guide to Car Insurance

Before you drive your car on the roads of New York, you must know a few
compulsory car insurance requirements as per the State law of New York.

The first thing to know is New York State follows a “No-Fault” system.
Under this system, your insurance company will pay for the damages and
injuries up to a certain limit, regardless of the person in question for
the accident. Also, in States that follow no-fault system, you lose the
right to sue someone. Specific details of a no-fault system vary from
State to State.

The state law of New York requires the car drivers to carry a minimum
bodily injury liability of $25,000 per injured person and a total of
$50,000 for all injuries per accident.
The coverage of bodily injury
includes medical, rehabilitation, psychiatric, and healing expenses, as
well as compensation for work loss of up to $2,000 per month for a
period of not more than three years.

The minimum limit of property damage liability is set at $10,000 per accident.

It is also mandatory to carry uninsured and underinsured motorist
coverage under the law of New York. The minimum liability limit for
uninsured and underinsured motorist coverage are the same as that of
regular liability coverage ($25,000/$50,000). This coverage pays for
injuries and damages when the accident caused is due to the fault of the
other driver who is either uninsured or underinsured.

You are also required to carry Personal Injury Protection (PIP) to pay
for necessary medical expenses for you and your passengers. The minimum
PIP coverage is $50,000.

This basic liability coverage plan is often referred to as 25/50/10 coverage with 25/50 UM limits.

Car owners can also opt for Additional Basic Economic Loss coverage.
This coverage includes an additional $25,000 to be paid for work loss
and rehabilitation expenses once the $50,000 economic loss coverage is
exhausted.

Further information on New York auto insurance policies can be obtained
from the New York State Insurance Department at any one of their seven
locations by calling 1-800-342-3736 or by visiting their website athttp://www.dfs.ny.gov.

 

If you fail to maintain the compulsory level of liability insurance as
per the State law of New York, you are required to surrender your
driver's license until you are able to provide proof of coverage.

The average car insurance premium rate for New York residents in 2009 is
$2,432. This is way above the national average of $1,794.

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North Carolina Car Insurance

North Carolina Car Insurance: NC State

Specific Auto Insurance Guidelines

Every state has its own minimum requirements for car insurance and it is
illegal to drive in the state without fulfilling these requirements.

Mandatory car insurance coverage is set by the state to insure you, your
family and your vehicle. The state of North Carolina also has its own
set of requirements laid down by the authorities.

A few states offer options other than car insurance to cover bodily
injuries and property damages, but not the state of North Carolina. You
are allowed to get auto liability coverage through an insurance company
or broker only.

If you are driving in the state of North Carolina you must have
liability insurance of $30,000 for injury per person per accident, a
total of $60,000 for injury or death of two people or more per accident,
and $25,000 to cover property damages.

The limits are exactly the same for uninsured drivers' insurance. This
basic coverage is referred to as 30/60/25 coverage with 30/60 UM limits.

These amounts are the minimum required by the state law of North
Carolina and the maximum that your car insurance company will pay,
unless you have taken higher coverage limit.

More detailed information is available by calling North Carolina Department of Insurance at http://www.ncdoi.com or contacting their Raleigh office by calling 800-546-5664.

The bodily injury liability will cover the medical expenses of people
injured in the accident caused by your fault. It also includes bills for
legal proceedings, compensation for lost wages sustained by the
victims. In case of a death, the funeral charges are also included in
this liability.

Bodily injury liability does not cover you or the passengers of your
vehicle. Therefore, you may want more comprehensive coverage for
yourself, your family and other passengers in your vehicle.

A type of coverage known as PIP which stands for Personal Injury
Protection covers you and the passengers in your vehicle against any
damage and injury. It also covers other members of your family who may
be passengers in another vehicle involved in an accident.

The property damage coverage is important for repairing or replacing any property that you may damage during an accident.

You can also add collision coverage to your policy if you have a car
that has significant value or has been financed by a lender. The
coverage will protect the lender's investment.

Uninsured and under-insured coverage provides immense help if you have
an accident with an uninsured driver, or if you are a victim of a hit
and run accident. This coverage cannot be less than the bodily injury
liability purchased and it cannot exceed $1 million.

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Pennsylvania Car Insurance

Pennsylvania Car Insurance: Quick 

Guide to Auto Insurance in PA

Like other states in the USA, it is mandatory for car drivers to have
car insurance. The insurance laws of Pennsylvania are different from
other states. It is, therefore, essential to understand the laws that
are effective in the sate before buying an insurance policy.

The five most important car insurance laws in Pennsylvania that you need to know are:

1. Pennsylvania's Minimum Requirements For car Insurance:

The laws of Pennsylvania make it mandatory for every driver to have a
minimum liability limit of $15,000 for any bodily injury per person.
Whereas, the liability limit per accident is $30,000. For damage to the
property in an accident, the liability limit is $5000. The Pennsylvania
law also requires every driver to carry medical expense coverage for
$5000. These required minimum limits are very low and it do not offer
full coverage of the damages if you get into a serious accident.

2. No Fault Car Insurance State:

The no-fault system is also referred to as Tort System and it implies
that the driver is held responsible for the accident. If you are car
driver in Pennsylvania, you have the option to choose either a limited
tort or full tort on your insurance policy. It is, however, advisable to
choose full tort because it provides a better car insurance coverage if
you get into an accident. Limited tort on the other hand would be
expensive for you and it provides only limited coverage.

3. Hefty Penalties for not having Car Insurance:

If you are driving a car in Pennsylvania without a proof of insurance,
you are running a great risk. If you get caught by a police officer,
your license will be suspended for 90 days and you will also be fined.
You'll also get a ticket for driving without insurance proof.

4. Assigned Risk Plan:

The assigned risk plan ensures that each and every car driver gets car
insurance irrespective of how high risk you are as a driver. If an
insurance company refuses or cancels your insurance coverage, then you
could use this law to get insurance coverage.

5. Uninsured Motorist Coverage for Extra Protection:

If you own more than one vehicle and you have them insured under the
same insurance policy, you can buy an uninsured coverage for the
vehicle. However, if you get additional coverage you have to pay an
additional premium and you would be entitled to receive additional
protection.

6. More information on PA Policies:

Further details pertaining to Pennsylvania insurance requirements and
information consumers can contact the Pennsylvania Insurance Department
located in Philadelphia, Harrisburg and Pittsburgh by calling (877)
881-6388 or by visiting their web site athttp://www.insurance.pa.gov/.

Understanding the laws is essential because it not only helps you drive safely in the state, but also saves you money.

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Rhode Island Car Insurance

Rhode Island Car Insurance: Simple

Guide to Car Insurance in RI

A law enacted in November 1993 makes it mandatory for car drivers to be
able to prove their financial responsibility if they are involved in an
accident. A convenient way to prove your financial responsibility is to
buy auto insurance in Rhode Island that meets the state requirements.

Tort system is followed in Rhode Island. Tort demands the person
responsible for causing an accident be responsible for paying the
medical bills, car repair bills and other expenses of the other driver
involved in the accident. This cost towards the other party is covered
from the premiums you pay for the car insurance policy.

In Rhode Island, drivers are only required to carry liability coverage.
Liability covers property damage and bodily injury caused to another
person because of your negligence.

You need to purchase bodily injury protection of $25,000 per person and
$50,000 per accident. You are also required to purchase $25,000 worth of
property damage coverage.

Buying Uninsured/Underinsured coverage is not mandatory, but it is
encouraged. This insurance protects your private assets when you are
involved in an accident with an uninsured or underinsured driver. Buying
a physical damage car insurance policy is also encouraged in Rhode
Island.

More information on Rhode Island auto insurance car be obtained by
contacting Rhode Island Department of Business Regulation in Providence
by calling their office on 401-222-2246 or visiting their web site at www.dbr.state.ri.us.

Here are some ways to obtain cheap quotes in Rhode Island:

1) Taking a Driving Course:

Car insurance companies give discounts to people who have taken a
special driving course. It is wise to ask the insurance officer if you
are qualified to avail the discount. Car insurance companies do not
consider people who have taken a driving course as accident-prone.

2) Combining Car and Home Insurance:

Car insurance companies offer 5 to 20 % discounts if you buy a car and a home loan from the same company.

3) Credit Rating:

Keeping a good credit score is one way to get cheap insurance quotes in
Rhode Island. Lately, car insurance companies base the rate of car
insurance on your credit history. If your credit history is not
satisfactory then it is wise to search for companies that do not do
credit checks.

4) Comprehensive Storage Coverage:

You can keep your car in comprehensive coverage if you do not plan to
drive your car for a few months. A stored car does not need liability
coverage and is unlikely to be involved in an accident.

5) Location:

Car insurance companies are ready to provide a good insurance rate to
people who live near their workplace or school. Competitive insurance
quotes are also available to people who have less mileage on their car
as reducing the time you spend on the road, reduces the likelihood of
being involved in an accident.

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South Carolina Car Insurance

South Carolina Car Insurance: Easy

 Guide to Auto Insurance in SC

If you are a car owner in South Carolina and you choose not to have car
insurance, you would have to pay a fine of $550 to the state every year.
Apart from the fine to the state, you also have to pay for all the
expenses from your own pocket if you get into an accident.

Every driver in South Carolina, as per the law, is required to have
minimum liability coverage of $25,000 to pay for the medical expenses of
a single person who suffers bodily injuries in an accident. Each driver
has to have a minimum of $50,000 coverage to pay for the expenses, if
more than one person is injured in an accident. If the driver causes any
damage to private property, the minimum coverage required is $25,000.

For detailed information pertaining to South Carolina insurance
requirements and information on companies that sell auto insurance
residents can contact the South Carolina Department of Insurance through
their web site, http://doi.sc.gov/, or by calling their office in Columbia at 1-800-768-3467.

The state of South Carolina has diverse geographic conditions and if you
live in the interior parts of the state, you would not have to pay more
for your car insurance. This is because in rural areas, since there is
not much traffic, the probability of accidents is less. On the contrary,
if you live in city, the roads are filled with traffic and the chance
of getting into an accident is much higher. Also, in urban areas there
is a risk of car thefts unlike in rural areas where car thefts are less.

Apart form your geographic location there are other factor that can affect your premium rates.

Your record as a driver has a significant effect on your car insurance.
If you are a safe driver and have not been involved in accidents, your
premium rates will be lowered by the insurance companies in South
Carolina. If you have a bad driving history, the insurance company will
categorize you as a high-risk driver and consequently your premium rates
will be hiked up.

Your gender also affects your premium rates when buying insurance in
South Carolina. Most car insurance companies in the state impose higher
premium rates for men than for women. This is because the insurance
companies believe that men are more vulnerable to accidents whereas,
women are safe drivers.

If you are a teenager in South Carolina, you may have to pay more for
your car insurance. If you are aged above 55, your insurer may offer you
a discount on your premium.

South Carolina is one of the few states where the marital status of a
person has an effect on the car insurance rates. Insurance companies
offer discounts to married people because, according to studies, married
people are statistically less likely to be involved in accident which
also reduces the likelihood of making an insurance claim.

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Tennessee Car Insurance

Tennessee Car Insurance: Quick Guide 

to Auto Insurance Coverage in TN

One of the most convenient ways to get cheap car insurance in Tennessee
is by buying the state's minimum auto insurance requirements, which is
also referred to as "liability coverage". In Tennessee, the minimum
insurance requirements are:

• $10,000 for Property Damage Liability.
• $25,000 for Bodily Injury Liability per person.
• $50,000 for Bodily Injury Liability per accident.

You can upgrade to a full coverage insurance policy when you feel the need to do so.

More details on TN aut insurance policies are available by contacting
the Tennessee Department of Commerce and Insurance located in Nashville
on 1-615-741-2241 or by visiting their website at http://tn.gov/commerce/insurance/index.shtml.

Getting car insurance in Tennessee is not at all a daunting task.
However, it will be beneficial for you to be aware of the ways in which
you can get cheap car insurance in Tennessee. Some of the ways are as
follows:

Use your car less frequently. The distance you drive on
a daily basis can affect your insurance rates. Statistics indicate that
high annual mileage implies more chances of being involved in an
accident. The more mileage your car covers, the higher your insurance
rates. If your car covers more than 12,000 miles per year, you may have
to pay high premiums as insurance companies can assume that your car
faces heavier traffic conditions on a regular basis and is more likely
to get into an accident. Therefore, it is recommended that you consider
going to work using a public transport vehicle at least twice a week. By
doing this, you can get cheap car insurance in Tennessee.

Bundle your insurance needs. Your car insurance company
will regard you as a reliable customer only if they are convinced that
you can organize payments for your policy in an efficient manner. It is
advised that you consider purchasing your home and car insurance from
the same company in Tennessee. This way, you can get attractive
discounts on your car insurance premium.

You may also prefer purchasing an annual policy rather
than buying coverage for monthly or shorter period. This way, you will
be able to get a cheap insurance rate that will remain unchanged for an
entire year.

Opting for higher deductibles on comprehensive and
collision insurance policies will reduce you premium because insurance
providers in effect share some of the cost of the end customer in case
of an accident.

Prove your trustworthiness. Car insurance companies in
Tennessee want you to make your payments on time. Hence, if you have a
good credit history and have never defaulted in making payments to your
creditors, you can show it to your car insurer. Insurance companies
value good credit histories, and you may have to pay less on premiums.
If you have defaulted in making payments to your creditors, it is
advised that you clear up any errors on your credit before buying car
insurance in Tennessee.

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Vermont Car Insurance

Vermont Car Insurance: Simple Guide

 to VT Car Insurance Requirements

The traffic laws of Vermont require all drivers to have car insurance,
as it is the case with other states in the US. However, getting good and
affordable car insurance in Vermont can be a difficult task. But first,
drivers need to comply with basic insurance legal requirement.

Vermont minimum legal auto insurance coverage should meet the following requirements:

• Bodily injury liability: 25,000 for single individual injury / 50,000 for additional individual injuries.
• Property damage liability: 10,000 to cover property damage
• Uninsured/Underinsured bodily damage liability: 50,000 for single
  underinsured individual injury / 100,000 for additional uninsured bodily
  injury.

More details on VT auto insurance policies can be found on the website
of the Vermont Department of Banking, Insurance, Securities and Health
Care Administration at their website http://www.dfr.vermont.gov or by contacting their Montpelier office on 802-828-330.

There are a plenty of car insurance companies in Vermont and each of
these companies, which are registered under the Vermont's Insurance
Regulator, offer different quotes. There are roughly about 99 state
insurance companies in Vermont.

Many drivers debate whether they should opt for insurance from a State
Insurance Company or a National Insurance company. It is better to have
insurance from a state insurance company because not all insurance
companies are authorized to operate in all states. So if you opt for
insurance from a national company, you have to be sure it is licensed in
your state.

The premium rates vary from company to company in Vermont. This is
mainly because insurance companies in Vermont have a different set of
rates and different types of drivers in the state. Some car insurance
companies have their focus on immature and inexperienced drivers,
whereas other insurance companies in Vermont focus mainly on mature,
experienced drivers.

Like most other states of the USA, in Vermont, the cost of the premium
is high if you age is under below 25. If you have a bad driving record,
your premium rate is likely to increase as well. If you have a good
security system installed in your car like GPS, safety brake locks or
air bags, you would get a discount on your premiums.

In Vermont, if you are looking for cheap car insurance, the first thing
you need to do is to get as many insurance quotes as possible. When you
get the quotes, compare them and select the one that best suits your
needs. But before buying insurance, you must ask you insurer how you can
reduce your rates without having to compromise on coverage. If you fail
to research the insurance quotes, you could be losing out on the
cheapest auto insurance coverage available for your needs.

The cheapest auto insurance you purchase should have the basic minimum
liability coverage for bodily injury and property damage. But you can
add coverage to your basic insurance such as collision coverage,
comprehensive coverage, and rental reimbursement coverage, underinsured
and uninsured coverage.

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Virginia Car Insurance

Virginia Car Insurance: Residents 

Guide to State Requirements

Car insurance is mandatory in all states by law, but the requirements of
auto insurance differ in each state. Virginia has its own unique
requirements for car insurance. A driver new to the state must educate
himself about specific laws to avoid getting into trouble with the
authorities. Once you know about specific car insurance requirements of
Virginia state law, you can buy the best coverage according to your
needs.

The tort system that the state of Virginia follows requires that someone
must be at fault of causing the accident, and the responsible party
must pay for all the damages.

All drivers need to carry a minimum amount of liability insurance.
Liability is one of two types of insurance; bodily injury liability and
property damage liability. The bodily injury liability includes the
medical bills of drivers who may get injured or killed in vehicle
accident. In case the matter goes to court, then bodily injury liability
also includes the legal expenses and compensation for the affected
victims.

Property damage liability is the insurance that you need to pay for the
repairs of your victim's vehicle. However, this liability may also
include other property that gets damaged during the accident, such as
houses or fences.

The state of Virginia has set the minimum amount for bodily injury
liability as $25,000 with an upper limit of $50,000. Minimum property
damage liability is $20,000.

The basic coverage is referred to as 25/50/20 coverage with 25/50 UM limits.

Unlike most states, Virginia state requires all of its drivers to have
uninsured motorist coverage. This coverage protects drivers against the
huge costs that one would have to incur in the case of an accident with
an uninsured driver.

The minimum amount for both bodily injury and property damage liabilities are the same as usual insurance.

These are the basic requirements of law in Virginia. You can also opt
for more comprehensive coverage to insure yourself and your vehicle.

You can also purchase medical and funeral expense benefits for up to
$2000 per person. Loss of income benefits can be bought for up to $100
per week for a maximum period of a year.

For more information regarding VA auto insurance policies, you may
contact the Virginia Bureau of Insurance in Richmond by calling
804-371-9741or by visiting their website at http://www.scc.virginia.gov/boi .

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West Virginia Car Insurance

West Virginia Car Insurance: Simple

WV Auto Insurance Guide

It is mandatory for car owners to have car insurance in the state of
West Virginia. You also need to carry a proof of car insurance while
driving in WV. The Tort system is followed in the state of West
Virginia, which means that the driver of the car is financially
responsible for damage to property and injuries caused to any other
party due to his/her negligence or fault.

The minimum liability coverage required to satisfy this responsibility
is often referred to as 20/40/10: $20,000 to cover the expenses for
bodily injuries per individual, $40,000 to cover for bodily injuries
caused to all, and $10,000 to cover for property damage to the victim.

A minimum Uninsured/Underinsured Motorist coverage of $25,000 per
individual to a total of $50,000 per accident for bodily injuries caused
by an uninsured/underinsured driver's negligence is also required in
West Virginia.

If you require further information on WV auto insurance policies, you
can contact West Virginia Offices of the Insurance Commissioner by
calling 1-888-TRY-WVIC or by visiting their website at http://www.wvinsurance.gov.

It is recommended to first get free quotes to see what’s available to
you before you select and purchase a policy. A car insurance policy is
something which every driver needs. Car drivers also want the premiums
to be affordable. Therefore, we have a complied an easy to follow tips
to get cheap insurance quotes in the state of West Virginia.

Credit Score

You can get cheap insurance quotes from car insurance companies by
keeping your credit history clean. Insurance companies decide the rate
of your policy by checking your credit history. This is available via
credit scoring agency who provide this data to most financial
institutions. If your history is not satisfactory, it is recommended you
find companies that do not resort to credit checks.

Driving Courses

You can get cheap insurance quotes by taking driving courses. Insurance
companies believe that drivers who have taken a specialized driving
course, such as defensive driving are safe drivers and less likely to
get into an accident.

Combine Car and Home Policies

You can obtain a discount by buying your home and car insurance from the
same company. A 5-20% discount is offered for a combined policy.

Security System In your Car

Cars insurance companies offer discounts on cars that are less likely to
be stolen. Many pay more for their auto insurance simply because the
car module they drive is on the top stolen vehicles in their states or
in U.S.

Comprehensive Storage Cover

It is recommended to keep just the comprehensive coverage if you’re not
planning to use your car for a long time. If a car is not used often, it
will not need liability coverage, as it is less likely to get into an
accident.

Location and Miles Per Year

Your address is an important factor in on your insurance rate will be.
If you live in an area when low crime rate, you can get your a cheap
insurance quote. It is also recommended that you move near your
workplace or college/school to reduce the mileage of the car. Cars that
have ‘traveled less’ are given discounts by insurance companies.

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UK Car Insurance - The Top 10 Cheapest Cars To Insure

The cheapest cars to insure

The
type of car you drive is likely to have a big effect on the price of
your car insurance – find out which cars are the cheapest to insure and
why There is no definitive cheapest car insurance in the UK, so finding
the best deal depends on a range of factors – namely, the vehicle. While
common sense tells us it costs less to insure a Fiesta than a Ferrari,
the value of your vehicle isn’t the only factor involved in
determining car insurance cost – scroll down to see ten of the cheapest
cars to insure:

1. Chevrolet Spark
Cheap
to buy and decent for safety, the Chevrolet Spark makes up for what it
lacks in performance with its cheap car insurance rate.

 

 

2. Citroen C1
The C1 is cheap to run, while
servicing costs are also reasonable. Some Citroën deals also come with
one year’s free insurance to appeal to young drivers and first-time car
buyers.

 

3. Fiat Panda
Boasting a super-efficient engine, the pocket-sized Panda is a practical city car with low running costs across all models.

 

4. Vauxhall Corsa Hatchback
Popular with young
drivers for well over a decade, the Corsa is a sensible and reliable
supermini – all models from 2006 onwards appear in car insurance group
1.

 

5. Volkswagen Fox and Up
Originally designed as a Brazilian city car, the Fox is cheap to run and offers good fuel economy. Its successor, the Up, won What Car? ‘Car of the Year’ for 2012.

 

6. Ford Fiesta and Ka
The new Ford Fiesta is
officially the UK’s best-selling car, and both the Fiesta and Ka can be
found in car insurance group 2, making them the cheapest Ford cars to
insure.

 

7. Nissan Pixo
A collaboration between Nissan and
fellow Japanese manufacturer Suzuki, the Pixo is cheap to buy and comes
with extremely low running costs.

 

8. Peugeot Partner Tepee 
The Partner Tepee is a
compact and durable people carrier that’s only slightly bigger than an
average hatchback. Maintenance costs are low and it generally only needs
servicing every two years.



 

9. Skoda Fabia Hatchback and Estate
Part of the
Volkswagen group, the Fabia Hatchback and Estate are both in car
insurance group 2 as a result of their low prices and solid engineering.

 

10. Smart Fortwo Coupe and Cabriolet
Smart cars are
renowned for being able to squeeze into tight spaces and are often
attract cheap car insurance, though servicing and parts can be
expensive.

 

Car insurance groups – how do they work?

Every car on the market belongs to one of 50 car insurance groups set by
the Group Rating Panel (members of the Association of British Insurers
and the Lloyds Market Association).

Typically, the lower a car’s group number, the cheaper it will to be to
insure – for example, cars within groups 1-5 are far more likely to
attract the cheapest car insurance. Insurers can also use their own
grouping system if they want.

When the panel decides on which car insurance groups to assign cars to they look at:

• Car performance: the car’s acceleration and top speed
• Car security: what security features the car has
• Cost of parts: the cost of 23 of the most common parts
• Maintenance: how much and how long the car takes to fix
• Car value: the price of the car as new

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