Nebraska Car Insurance

Nebraska Car Insurance: Simple

Overview of Auto Insurance

Requirements in NE

The Nebraska state law makes it mandatory for its residents to buy a
liability policy for their cars. Liability policy helps the insured pay
for property damage and bodily injuries suffered by the other party in
case of an accident.

 

The minimum liability coverage required in NE is $25,000 for a single
person injured in an accident, $50,000 to cover the medical expenses of
all occupants of the other vehicle, and $25,000 for covering damage to
public or private property due to negligence. It is recommended that
greater liability coverage be purchased as it can cover for excess costs
not covered by insurance.

Further details on Nebraska auto insurance for consumers can be obtained
by contacting the Nebraska Department of Insurance located in Lincoln
by calling (877) 564-7323 or by visiting their website at http://www.doi.ne.gov.

 

The state of Nebraska also recommends its residents to buy comprehensive
coverage. Liability does not help the insured pay for their expenses if
they are responsible for an accident. The comprehensive coverage awards
the Kelley Blue Book value of the car for repairs and if the cost of
repair exceeds this amount, the owner is given the total value of the
car.

 

Nebraska recommends its car owners to purchase Uninsured Motorist
Coverage as it helps cover the cost of car repair and bodily injuries in
case of a hit and run incident. Some states do not make it mandatory to
own a Liability policy and if a person not covered by liability
insurance is a victim of an accident, he/she has to recover the cost of
repairs and injuries from the driver responsible for the accident.

Consumers always look for cheap car insurance to insure their car.
Getting a cheap insurance quote in Nebraska from a reputable insurance
agency is the first step in getting cheap car insurance. Here are some
steps to find cheap car insurance quotes in the state of Nebraska.

 

1) Shopping around: It is recommended you compare car insurance quotes of three to four companies before you decide on the quote suitable for you.

2) Raising the deductible: When you raise the
deductibles, car insurance companies will offer you cheaper insurance
premiums. The premium you pay can be lowered by 40 % if you raise your
deductible from 500 to 1,000 dollars for instance.

3) Combining policies: Car insurance companies offer discounts to car owners who combine their car and home policies.

4) Living close to home: Insurance companies offer
lower rates to consumers who don't use their vehicles often. Not using
your car often or reducing your mileage puts you in a low risk category.
People who are in this category are offered discounts by car insurance
companies.

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North Dakota Car Insurance

North Dakota Car Insurance: Simple

Overview to Insurance Rules

As with most U.S. states, car insurance is a mandatory requirements for
all drivers in North Dakota. Auto insurance can be very beneficial for
you if you have an accident. If you are a first-time car buyer, you need
to know about the ways of getting cheap car insurance in North Dakota.
Some of which includes:

1. Shop for Auto Insurance Online:

Using out free quotes form, you can get up to 8 quotes from top
insurance companies in North Dakota. Instead of visiting multiple web
sites of various insurance companies, you can simply complete the form
below and get them all in one page. Even easier, you get to see each
quotes and discounts on offers before you pick the most suitable one for
your needs. When dealing directly with the insurance provider, it is
essential for you to be upfront and honest while inquiring. Also, you
need to ask the insurance companies whether they offer any kind of
discounts for a good driving record, good credit history or for cars
with safety features. You can then choose the most appropriate insurance
policy to suit you. Shopping online for car insurance allows for ease
and convenience that were once a task can only be made easier if you
hire someone else to do it for you/

2. Compare Before you Buy:

You can consider opting for a yearly car insurance policy instead of
buying coverage for a shorter period. With this, you will have to pay a
lower rate that will remain unchanged for an entire year. Also, choose
insurance with high deductibles. High deductibles are inversely
proportional to premiums and so you will have to pay less in premiums.

3. Keep a good driving record:

It is very important for you to maintain a good driving record to get
cheap car insurance in North Dakota as this is the foremost factor
considered by insurance companies while offering car insurance. You also
need to properly follow all the traffic rules and regulations set by
the state.

To avoid other factors that will increase the cost of your car
insurance, it is advised that you make yourself aware of all the motor
vehicle laws when driving in North Dakota. You need to know that
children aged 7 and younger should sit in car seat or a booster. People
who are 17 or younger should wear seatbelts. Failure to insure that
these laws are properly followed can add up points on your driving
record and you may have to pay higher premiums when it comes time to
renew or purchase a new insurance policy.

For complete information regarding auto insurance in North Dakota can be
obtained from the North Dakota Insurance Department located in Bismarck
by visiting their web site at www.nd.gov/ndins, or calling their office, 800-247-0560. For now, here are the basic requirements you should be aware of.

North Dakota Car Insurance Requirements are:

• $25,000 per person, $50,000 per accident for uninsured motorist coverage
• $25,000 per person, $50,000 per accident for underinsured motorist coverage
• $25,000 worth of bodily injury or death coverage for one person per accident
• $50,000 worth of bodily injury or death for up to two people per accident
• $30,000 worth of personal injury protection (PIP), or no-fault insurance
• $25,000 for destruction of property of others per accident

This basic coverage is also referred to as 25/50/25 insurance coverage with 25/50 UM limits.

North Dakota follows a No-Fault system. As per this system, your car
insurance company will have to pay for your injury claims, irrespective
of whether you are responsible for the accident or not. Rules of a
no-fault system vary from state to state.

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Ohio Car Insurance

Ohio Car Insurance: Guidelines for

Residents

Car insurance rates have changed in the past few years in Ohio.
Insurance rates have increased by 30% in 2009. Residents of Ohio pay an
average premium of $1,473, which is less than the national average of
$1,807. Minimum Bodily Injury Liability limit in the state of Ohio is
$12,500 per injured person per accident, up to $25,000, and minimum
Property Damage Liability Limit of $7,500. The Tort system is followed
here, which states that the person responsible for accident along with
his/her insurance company bears all cost of damages. The Tort system
differs from state to state.

 

More information on Ohio auto insurance policies, consumers can contact
the Ohio Department of Insurance by calling 1-800-686-1526 or by
visiting their web site athttp://www.insurance.ohio.gov.

An Uninsured Motorist bodily coverage is also available and required to
cover bodily injuries caused by an uninsured driver. However, purchasing
this coverage is not mandatory in the state of Ohio, but it is
recommended. All car owners are required to own Bodily Injury liability
coverage, Property Damage Coverage and Medical/Burial expense coverage.

 

In Ohio, you need to prove that you are capable of paying for damages to
others' property or bodily injuries caused by your car. Owning car
insurance can satisfy this condition.

The amount you pay as insurance premiums can vary depending on your age,
your driving record, your address or location, and also the insurance
company you choose. Insurance rates also differ from one city to another
within Ohio. Here are some tips to find cheap car insurance in the
state of Ohio:

Control your Credit Score:

Car insurance companies decide your insurance rate based on your credit
score. If you have a good credit history then your car insurance rate
will be less. If you have defaulted on a payment, it will not look good
on the credit history.

Shopping Online for Insurance Quotes:

It is prudent to compare the rates offered by different insurance
companies online. These quotes are easier to obtain and are free using
our form at the end of this article and in other areas of this site. You
can get up to as many as 8 quotes using our free insurance quotes
comparison tool, giving a chance to compare before you buy.

Your Location:

The distance your travel every day in your car also affects car
insurance rates. The less you travel the lower your premium will be. It
is also prudent to move to an area with a low population and which has a
low history of car theft, vandalism and car accidents.

Your Car:

It is prudent to buy an old or used car to avoid the higher insurance premiums applied to new cars or sports cars.

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Oklahoma Car Insurance

Oklahoma Car Insurance: Simple Guide

to Car Insurance in OK

The average amount spent on car insurance by a driver in Oklahoma is
$678, which is a very low amount compared to other states. It does not
mean that a driver in the state spends less on insurance, however.
Oklahoma is one the states where insurance premium rates are cheap.

As per the traffic laws, liability insurance is a must for every car
driver in Oklahoma. The liability insurance in Oklahoma covers not only
the bodily injury, but also medical, expenses, car repair expense and
private property expenses.

 

According to the 26/51/26 code, a code that guides the car insurance
industry, the minimum liability requirements in Oklahoma are $26,000 for
every injured person in the accident, $51,000 for each accident and
$26,000 for damage to personal property.

 

It is advisable to have protection for personal injury in your car
insurance policy so that all your medical expenses are taken care of by
the insurance company. However, insurance laws in Oklahoma do not have
provision for minimum personal injury protection. A few knowledgeable
insurance professionals would advise you to include this optional
coverage in your personal car insurance.

 

The law in Oklahoma also does not provide any scope for uninsured driver
coverage. However, it is essential that you have coverage for uninsured
drivers so that you get protection for any bodily injury caused to you
by uninsured driver. Uninsured driver coverage would provide you with
extra protection.

Some of the rules of car insurance in Oklahoma that you should know:

 

As per the rules, you have to carry proof of your car insurance with you
at all times and, if you’re caught by a traffic police officer for some
reason and you fail to show your insurance proof, you have to face the
penalty. You have to pay a fine of $300 and you may also face
imprisonment for up to 40 days.

According to the traffic laws of the state, all transport owners need to
carry a minimum liability car insurance. The rates for minimum
liability for transport owners are:

• $30,000 for death of one person
• $60,000 for injury or death of people in an accident
• $30,000 for causing damage to the private property

Further information regarding auto insurance in OK can be found through the Oklahoma Insurance Department by visiting http://www.ok.gov/oid/ or calling their office in Oklahoma City on 1-800-522-0071 or Tulsa on 1-800-728-2906.

 

If your car insurance in Oklahoma is stopped by your insurance company
within 180 days from the starting date of your policy then the company
has to intimate about the same to the Department of Safety in Oklahoma.
The department would then communicate with you and you have to reply to
the department within 40 days and produce proof of your insurance. But
if you fail to produce proof, your car registration would be cancelled
and your license would be suspended.

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South Dakota Car Insurance

South Dakota Car Insurance: Useful

Car Insurance Guide for SD Residents

Like most other states in the U.S., South Dakota has made it compulsory
for all drivers to have auto insurance. Getting car insurance in South
Dakota is not a daunting task. If you are a first-time car buyer, you
need to be aware of the ways in which you can get cheap insurance
quotes.

The foremost thing you need to do is get quotes from a maximum number of
insurance companies. This way, you will have plenty of options to
choose from. You can also contact a local insurance agent to help you
choose the most appropriate car insurance policy in South Dakota.

 

The type of car you purchase can have a direct impact on your car
insurance rates. A compact red convertible will certainly cost you more
in premiums than a 4-door Sedan. Insurance companies take into account
certain aspects of the car. If the car model you opt for has been known
run a high theft risk or among top stolen cars in your state, you will
end up paying higher insurance rates. Therefore, it will be beneficial
for you to buy a car with less theft history.

 

Safety features is an important factor that car insurance companies take
into account when offering insurance. More safety features mean less
chances of the car being stolen and less damage as result of an impact.
Hence, it is advised that you buy a car that boasts safety features such
as air bags, GPS system, anti-lock braking system and manufacture
fitted alarm system. This factor among other, you will surely help you
get cheap car insurance in South Dakota.

 

Your credit history may or may not affect your insurance rates. Some car
insurance companies in South Dakota value a good credit record.
Therefore, if you have been paying your bills regularly and have
maintained a clean credit record, your insurance provider will take it
into account and award you certain discount offered to people with a
good credit history.

One of the best ways to get cheap car insurance in South Dakota is by
opting for the minimum liability or a cheap South Dakota car insurance
policy, often referred to as 25/50/25 policy. This policy requires:

• Bodily injury coverage of at least $25,000 for each person
• Up to a total of $50,000 for each accident and
• Property damage insurance coverage up to a limit of $25,000

South Dakota follows a tort system, which implies that someone should be
at fault for causing an accident, and that particular person and his
insurance provider are responsible for all the damages.

Consumers can obtained more details on South Dakota insurance policies
through the South Dakota Division of Insurance located in Pierre by
calling 605-773-3563 or visiting their website at http://dlr.sd.gov/insurance .

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Texas Car Insurance

Texas Car Insurance: Quick Guide to

State Requirements

Car Insurance laws differ from state to sate. Texas is no fault state,
which implies that someone must be at fault for causing the accident.
When an accident happens, the driver liable for causing damages is held
responsible and the insurance company pay up for damages and injury as
per the terms of the policy. The state is also referred to as a "Tort
State".

As per the Texas car insurance laws, it is mandatory for all car owners
to have a liability insurance policy. If you think you can get away
without having proper insurance, you may be running the risk of getting
caught by traffic law enforcement officers who are constantly vigil and
are on the lookout for auto insurance evaders.

 

More specific information on TX auto insurance regulations consumers can
contact the Texas Department of Insurance, located in Austin, on
800-252-3439 or by visiting their website at http://www.tdi.state.tx.us/. For now, here are some basic rules everyone should know.

The minimum requirements for car insurance according to the law in Texas are:

• Bodily Injury Liability Limits (per person) - $25,000
• Bodily Injury Liability Limits (per accident) - $50,000
• Property Damage Liability Limits (per accident) - $25,000

According to the car insurance laws in Texas, uninsured car insurance
coverage is not required. But, insurance against uninsured/under insured
car drivers is available in Texas and it is recommended to have one.

Texas car insurance rules are quite easy to follow. Most car insurance
companies in Texas operate under the uniform code 25/50/25 and offer
coverage as stated per state legal requirements. The Texas insurance law
enforcers have recently enforced a new law, The Texas Sure law to
insure cars. The law is enforced with a view to end the woes of the
rising fake insurers in the state. The law requires the driver of the
car to enter his license plate number into the police computer system.
If you drive in the state of Texas, you should have a minimum amount of
liability insurance.

 

If you are driving around in Texas and get stopped by a police officer,
the first thing he/she will ask for is a copy of your auto insurance and
if you do not have one you will immediately be issued a ticket, which
would show on your driving record.

 

One way by which mandatory insurance is enforced in Texas, is when you
go to register your car or to renew you car registration, you first need
to show proof of your car insurance coverage. If you fail to produce a
copy of your insurance, you will be issued two tickets for expired
registration and one for not having proof of insurance.

 

These laws are being strictly enforced for the benefit of the car
drivers. The laws also protect the interest of the various Car Insurance
Companies in the state. It also aims to reduce the number of accident
on the roads and ensure drivers responsibility.

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Wisconsin Car Insurance

Wisconsin Car Insurance: Easy Auto

Insurance Guide

Wisconsin Financial Responsibility Law requires all drivers to prove
they are financially responsible and capable of paying for damages or
injuries caused to others by their vehicle.

In Wisconsin, the minimum legal auto insurance coverage should include a
minimum Bodily Injury Liability of $25,000 per injured individual and a
total of $50,000 for every accident. The state also requires its
drivers to have a minimum of $10,000 as Property Damage Liability
coverage.

The Tort system is followed in Wisconsin, which states that the person
responsible for causing the accident has to pay for all the damages. It
is wise to notice that the details of the Tort system are different from
state to state.

 

Uninsured/Under insured coverage is also required to pay for the damages
and injuries caused to you and your party by an uninsured driver. The
state minimum for the Uninsured coverage is $25,000 per person and a
total of $50,000 per accident for bodily injuries caused by an uninsured
driver.

For more details regarding auto insurance in Wisconsin residents can
contact the Wisconsin Commissioner of Insurance located in Madison by
calling (800) 236-8517 or by visiting their website at http://oci.wi.gov.

 

As with most bargain hunters for low cost auto insurance, car owners in
Wisconsin look for cheap insurance when searching for quotes. Getting
affordable insurance quotes from insurance companies is the first step
in getting cheap car insurance. Here are some tips on how to save on
quotes in Wisconsin:

Group Discounts

Car insurance companies in Wisconsin offer discounts and special rates
if you are affiliated with organizations like college, medium or large
company and credit unions. It is recommended you call the service center
of the insurance company and ask for a list of affiliated
organizations.

Comprehensive Storage Coverage

It is recommended to keep just the comprehensive storage coverage if
you’re not going to use your car for a long time. Instead you can
purchase on day car insurance or coverage for shorter period. The car
insurance company will offer you cheaper quotes because driving the car
less puts you automatically in a low risk category.

Yearly Policies

If you choose a six-month policy, you will have to change the policy
every six months. You can save on your car insurance by choosing a
yearly policy.

Combine Car and Home Insurance Policies

Car insurance companies offer a discount if you buy home and car
insurance policy from the same company. This discount can be up to 20%.

Special Driving Courses

Car insurance companies offer cheap insurance quotes or special rates to
people who have completed a special driving course. These people are
categorized as low risk as they are less prone to get in an accident. It
is recommended to contact the state insurance commissioner to find
where you can take such courses.

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Alabama Car Insurance

Alabama Car Insurance: Getting the

Right Coverage in AL

Car insurance involves many factors that play an important role in
determining the cost of car insurance. Also, the different traits of car
insurance differ from state to state. What is applicable in one state
may not comply with the legal requirements of another state. Each state
has its own criteria to set the minimum requirement of coverage in an
insurance policy. It can heavily depend on the state’s traffic rules,
rate of accidents and so on.

 

We will now look at the minimum legal requirements that need to be
followed when getting car insurance in the state of Alabama. Like many
other states in the US, the state of Alabama requires that drivers be
insured against various adverse and catastrophic events. Owners of
vehicles with no insurance coverage will have to face several legal
proceedings that are carried out as per the various applicable laws in
the state of Alabama.

Car Insurance Requirements in Alabama

Many car insurance companies in Alabama offer optional coverage for
collision, medical expenses and insured and uninsured motorist coverage.
However, the car insurance law in Alabama requires vehicles to be
insured with a liability car insurance policy.

 

Alabama state requirement requires drivers to have minimum amount of
liability insurance of 20/40/10. This means that a minimum of $20,000
must be paid for every one person injured in one accident, $40,000 for
the injuries of all persons involved in one accident and $10,000 must be
paid for the damage to property in an accident. However, these are the
basic requirements and the recommended coverage amount may sometimes go
far beyond these figures, depending on your specific needs. It is
advisable to look at various coverage options available and invest in
higher value insurance policies that provide advanced compensation and
higher pay out.

 

More details on Alabama state specific insurance policies are available
from the Alabama Department of Insurance in Montgomery by calling (334)
269-3550 or visiting their website at http://www.aldoi.gov/.

Also, the rate of car insurance is severely affected by the different
types of coverage that are made available to you by different insurance
companies. Car insurance quotes are a blessing in disguise for those who
are familiar with insurance terms.

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Connecticut Car Insurance

Connecticut Car Insurance: What 

Residents Need to Know

Like all other states in the United States, Connecticut also requires
its drivers to carry an acceptable minimum insurance coverage of vehicle
liability insurance.

The Department of Motor Vehicles (DMV) of the state requires all car
owners to prove that they have adequate financial responsibility to
cover all possible costs involved in an accident.

Unlike some other states that give you the choice to address the matter
of financial responsibility, the state of Connecticut gives you only one
option. You must purchase bodily injury and property damage
liabilities.

 

Connecticut state law requires every driver in the state to have $25,000
worth of bodily injury coverage for injuries or death of one person in
an accident, and up to a total of $40,000 for coverage of two people or
more in the event injuries and death in an accident. In addition to
this, coverage for $10,000 as property damage liability is also
required.

 

These figures represent the minimum coverage required. This basic
coverage plan, as required by the law, is often referred to as 25/40/10
coverage. Usually, insurance companies and brokers will recommend that
you have more protection than this.

Buying uninsured motorist and under insured motorist coverage is not
mandatory under in Connecticut. However, the insurance companies are
required to offer these to all customers.

If you cancel your insurance policy or let it lapse, your insurance
company will notify the Department of Motor Vehicles. You may be asked
to present proof of insurance on certain occasions. Your insurance
identification card or the declaration page of the policy can serve as
legal proof.

If you have any doubts, you can log onto the official website of the Department of Motor Vehicles of the state for clarification

More detailed information on Connecticut auto insurance requirements is
available by calling the Connecticut Insurance Department in Hartford on
1-860-297-3800 or by visiting their website athttp://www.ct.gov/cid/site/.

 

If you are caught without valid car insurance, the relevant authorities
will send you a warning and you may end up paying a penalty of $200. You
are given 30 days to get yourself an appropriate insurance cover.
However, at the end of these 30 days, if you still don't have insurance,
you may be summoned to court and your license could be suspended.

The average car insurance premium rate for residents of Connecticut in
the year 2009 is $2,189. This is much higher than the national average
of $1,807. The rates in 2009 are also 10% higher than that of 2008.

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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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