Washington Car Insurance

Washington Car Insurance: WA State

Auto Insurance Requirements

The state of Washington requires a driver to have a car insurance
liability policy, a certificate of deposit or a liability bond of the
required limits.

The minimum bodily injury liability is $25,000 per person and up to
$50,000 per accident. The property damage liability is $10,000. This
basic coverage plan is also referred to as 25/50/10.

 

If you prefer to buy bonds instead of an insurance liability, the same
rules apply. However, if you wish to purchase a certificate of deposit,
then you need to pay $60,000 to the office of the State Treasurer. If
you own 26 vehicles or more, the state of Washington allows you to have
self-insurance.

You are required to carry proof of your car insurance with you at all
times in Washington. You can be fined around $450 if found driving
without adequate proof. There is also a chance that this may go on your
driving record as a violation. Moreover, the court can impose a fee on
your fine.

 

You must comply with all the rules of Washington's mandatory auto
insurance law, even if you are an out-of-state non-resident driver who
happens to be driving through Washington.

Vehicles over 40 years old that are especially licensed as “antique
vehicles”, “collector's vehicles” or “classic cars” that are over 30
years old and vehicles owned by public bodies and two wheelers are
exempt from the auto insurance law in the state.

 

The state of Washington requires insurance companies to offer uninsured
and underinsured motorist coverage as part of their deals. However, it’s
up to customer whether they want to purchase it.

Insurance companies are also supposed to offer their customers a type of
coverage known as Personal Injury Protection (PIP). This must provide a
minimum of $10,000 in medical expenses, $2,000 for funeral expenses,
$10,000 as wage compensation subject to a limit of $200 per week, and
$5,000 for loss of services subject to a limit of $200 per week per
person insured.

Washington follows a tort system which means that someone must be at fault for causing the accident.

More information on Washington auto insurance can be obtained by
contacting the Office of the Insurance Commissioner at 800-562-6900 or
by visiting their website available at http://www.insurance.wa.gov/.

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Wyoming Car Insurance

Wyoming Car Insurance: A Simple

Residents Guide to WY State

Requirements

It is illegal to drive a car in the state of Wyoming without owning
proper insurance. Car insurance proves you are financially responsible
in case of an accident. The drivers are also recommended to carry proof
of car insurance while driving in the state of Wyoming.

Basic coverage for Wyoming car insurance is often referred to as
25/50/20/. The state law requires minimum Bodily Injury Liability limit
of $25,000 per injured person up to a limit of $50,000. Minimum limit
for Property damage Liability is $20,000. There are also other types of
coverage options such as rental reimbursement and collision, and
comprehensive coverage.

For more detailed information on auto insurance requirements all Wyoming
residents should contact the State of Wyoming Insurance Department in
Cheyenne on 1-800-438-5768 or visit their website at http://doi.wyo.gov.

 

WY follows the Tort system, which states that the person responsible for
the accident be found, and that person and his/her insurance company be
held responsible for all the damages.

You can determine which car insurance policy is most suitable for you by
comparing car insurance quotes of different companies. Some tips to
getting cheap car insurance quotes in the state of Wyoming are:

Insurance More Cars Per Address

Multiple car discounts is a good way of obtaining cheap insurance
quotes. Car insurance companies offer a discount if you insure two cars
at the same time.

Purchase Auto Insurance for at Least One Year

Purchasing a car insurance policy for a year instead of 6 months or less
can extend the savings on your auto insurance. If you purchase a policy
for six months, you will have to pay a rate which changes every six
months.

Reduce your Yearly Mileage

Moving closer to your work or college is also a great way to get a cheap
car insurance quote. Cars with less mileage per year are offered a low
rate by most insurance companies.

Listed Organizations for Discounts

Many Car insurance companies offer discounts if you are affiliated with
organizations like credit unions or other entities listed for discounts.
It is recommended that you ask for a list of organization affiliations
to the insurance company you wish to use for your auto insurance cover.

Defensive Driving and Other Special Driving Courses

Some car insurance companies give discounts to people who have taken a
special driving course. Insurance companies consider people who have
taken special driving course as less likely to get into an accident.

Multiple Insurance Services

You can get a cheap insurance quote if you register your car and home insurance with the same company.

Watch your Credit Score

Keeping your credit score high is another way to get cheap car
insurance. Car insurance companies now decide the insurance rate you are
to pay based on your credit score.

What if you Can’t Get Coverage?

There is an insurance option available for high-risk individuals, too.
If you are classified as a high-risk driver, and find it hard to get car
insurance or cannot afford the high premiums, it is recommended to look
out only for companies which specialize in insurance bad drivers, such
as The General. You may also contact the state insurance commissioner
for further assistance if you are still having trouble getting auto
insurance.

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Arkansas Car Insurance

Arkansas Car Insurance: Saving Guide

and State Requirements

If you are looking to buy a car insurance policy in Arkansas, it is
essential for you to be aware of various ways in which you can get cheap
insurance rates. We have listed some below:

Good Driving Record

Your driving record is given the utmost priority by car insurance
companies in Arkansas when it comes to offering cheap insurance quotes.
You need to drive safely and properly follow the traffic rules and
regulations. If you get a speeding ticket or a traffic ticket, or if you
are found guilty for Driving While Intoxicated (DWI) or Driving Under
the Influence (DUI), you won't be granted cheap car insurance rates in
Arkansas for at least 3 years. Hence, it is necessary for you to have a
good driving record to get cheap car insurance. If you haven't been
involved in an accident for at least 3 years, your insurance company may
grant you a discount on your auto insurance policy.

Safety Features

Cars that are equipped with safety features have less possibility of
being stolen. This factor is given due prominence by car insurance
companies in Arkansas when determining insurance rates. By installing
safety features such as air-bags, seat-belts, front and rear crumple
zone, anti-lock braking system, alarm system and a GPS system in your
car, you can get cheaper insurance rates.

Ask for Discounts

Some car insurance companies in Arkansas offer attractive discounts such as:

• Senior citizen discounts for the drivers aged 55 or older.
• Safe driver discounts for having good driving record with no involvement in accident for 3 or more years
• Good student's discounts for students who score well in their driver’s examinations

Each insurance company has a list of discounts available. Therefore, you
should check what’s on offer to decide if you are entitled for one. If
your car insurance provider offers discounts for any of the above
mentioned reasons or more, and if you qualify for it, you will pay
smaller premiums.

Combine All your Coverage Needs

It is recommended that you buy your home and car insurance policy from
the same insurance provider. Your car insurance provider will consider
this while determining your insurance rate and you may pay less on
insurance premiums.

Arkansas State Requirements:

When shopping for cheap Arkansas car insurance policy, it’s important to meet requirements set by the state:

• Bodily Injury Coverage of at least $25,000 for per person injured and $50,000 for all persons injured in any one accident.
• Property Damage Coverage of at least $25,000 for injury (caused to
  other person in the accident) and damage to other people’s property.

More details on Arkansas’s insurance requirements can be obtained by
contacting the Arkansas Insurance Department in Little Rock at
1-800-282-9134 or by visiting their website at http://insurance.arkansas.gov.

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Illinois Car Insurance

Illinois Car Insurance: Useful

Information for Drivers Before Buying

Car Insurance

Every state has its own particular guidelines regarding car insurance.
The specific insurance requirements for Illinois can be obtained from
the Illinois Department of Financial and Professional Regulation
Division of Insurance in Springfield 217 782-4515 or Chicago 312
814-2420. Consumers can also obtain information by visiting IL Dept. of
Insurance website at http://insurance.illinois.gov.

 

The average car insurance premium rate in Illinois is around $1,204.
Illinois follows a tort system. This type of liability policy means that
someone must be held responsible for the accident and that person and
his insurance company must pay for all the damages to the victim and his
vehicle. The specifications of a tort system vary from state to state.

 

Illinois requires its drivers to possess uninsured or underinsured
insurance because not all states require their motorists to have
liability insurance. It is obvious that at some point there will be
uninsured drivers on Illinois roads. Uninsured and underinsured motorist
coverage provides bodily injury and vehicle damages suffered by the
insured in case the driver responsible for the accident does not possess
liability coverage or if his coverage is not enough to pay for the
compensation. It also pays for damages suffered as a result of a hit and
run.

 

The state law requires minimum motorist coverage of $20,000 per person
and up to $40,000 per accident to protect you against damages caused by
an uninsured or underinsured driver. This is only for injuries. The
property damage liability coverage should be a minimum of $15,000.

This coverage is referred to as 20/40/15 coverage with 20/40 UM limits.

 

Illinois law requires you to provide Proof of Financial Responsibility
on random selection of your vehicle. If you fail to return the
questionnaire or found not to have insurance, your license could be
suspended.

If you have been found guilty of traffic violations then it is better to
keep an SR-22 form issued by your insurance company as a proof of
future financial responsibility.

Though not mandated by the state, a car lender may require that a car
still possessing a lien obtain comprehensive and collision coverage.
This way, if the vehicle is damaged in an accident and its driver is
responsible, then it can be repaired. If the cost of the repair is
greater than the value of the car, it will be declared as “totaled” and
the cash value of the car will be compensated to the owner.

Insurance rates change every few years. Even in the state of Illinois,
the rates have not remained constant. The current average car insurance
rate of 2009 is 8% higher than that of 2008.

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Indiana Car Insurance

Indiana Car Insurance: Simple Guide to

Insurance Requirements

Car insurance laws vary from state to state. These laws affect the rates
of your insurance policy and hence, you need to keep in mind the
several requirements to comply with Indiana state laws while buying a
car insurance policy.

All states require a minimum Property Damage Coverage and Bodily Injury
Liability, and the state of Indiana is no exception. The Indiana
Department of Insurance monitors the insurance industry in the state of
Indiana. It states that the minimum requirement for a car insurance
policy should be 25/50/10. Let’s take a broader look at these
requirements.

Required Minimum Bodily Injury

A minimum coverage amount of $25,000 for Bodily Injury is required to
pay for each person injured in any one accident and $50,000 for all
persons involved in each accident.

Required Minimum Property Damage

In this type of requirement a minimum amount of $10,000 is required to
pay for damages to property of other party in each accident.

Optional Insurance Coverage

 
Under-insured Motorist (UIM) and Uninsured Motorist (UM) requirements, as
stated by the state of Indiana, stipulate that a minimum requirement of
Uninsured Motorist to be purchased must not be less than the required
minimum amount of bodily injury coverage. However, in case of an
Underinsured Motorist, it must be up to at least a minimum amount of
$50,000.

More details on Indiana insurance requirements are available from the
Indiana Department of Insurance in Indianapolis by calling 317-232-2385
or simply visiting their website at http://www.in.gov/idoi/.

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Iowa Car Insurance

Iowa Car Insurance: A Useful Guide to

Car Insurance for IA Residents

In the state of Iowa, the only type of coverage needed is liability
coverage. The basic liability coverage here is 20/40/15, which can be
broken down as:

• $20,000 to cover Bodily Injury Liability per person per accident
• $40,000 to cover Bodily Injury Liability for all individuals involved in the accident
• $15,000 to cover Property Injury Liability

Consumers can obtained more details on IA state specific guidelines the
Iowa Insurance Division in Des Moines, either by calling 877-955-1212 or
visiting their website at http://www.iid.state.ia.us

There are other options like comprehensive and collision insurance,
uninsured/under insured Motorist policy, and GAP insurance, but these are
not mandatory in Iowa.

For car drivers in Iowa, getting the best car insurance deal at an
affordable price is a priority. But most people don’t know the steps to
take to get that perfect deal. Here is how you can get cheap insurance
quotes from car insurance companies in Iowa:

Asking for Discounts:

Car owners are recommended to ask their insurance company or the
insurance agent if you can benefit from any discounts. Car insurance
companies provide cheap quotes to people based on their profession.
People working from their home, or living near their workplace or
educational institution pay lower premiums. They are categorized as low
risk since they travel less and have a lower chance of getting into an
accident. Locations are also classified as high risk or low risk
depending on the crime rate in the area. If you move into a locality
with a low rate of car theft and vandalism, you can qualify for a cheap
insurance quote. You can also get discounts with some insurers if you
are a senior citizen.

Multiple Drivers Auto Insurance Policy:

Registering the names of all family members on a single policy is a good
option to get cheap quotes from car insurance companies.

Renewing Policies

Car insurance companies provide good discounts when you renew the policy
with the same company. Not claiming anything during this term can also
qualify you for a discount in the next term.

Taking a Driving Course

Car insurance companies offer low premiums to people who take defensive
driving course. Drivers who pass these special courses are considered
low risk and less prone to accidents. You need to submit the certificate
you’ll receive upon successfully completing the course to the insurance
company to benefit from the low premium.

Getting Good Grades:

Auto insurance companies can provide young drivers with a cheap quote if they have secured good grades in school/college.

Maintaining a Good Driving Record

You can get a cheap car insurance quote if you have a good driving
record and haven't received a speeding ticket for a long time.

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Kansas Car Insurance

Kansas Car Insurance: Simple

Guidelines for Auto Insurance Hunters

Kansas has its own car insurance laws. If you are a car owner in Kansas,
it is mandatory for you to have a Comprehensive and Collision car
insurance along with your minimum liability requirement. The minimum
liability requirement in Kansas is $25,000 for bodily injury to a single
person, $50,000 for each accident, and $10,000 for property damages.

Car insurance companies in Kansas provide insurance coverage if any
damage occurs due to fire or natural disasters. The amount you receive
as compensation for your damage depends on the value of the car, the
coverage options you purchase and the limit on the policy. For damages
to your car, you would receive your compensation as per the prevailing
market value of the car even at the time of the accident even if you
have purchased your car at a lower or higher price.

Further information regarding KS auto insurance is available by
contacting the Department of Insurance in Topeka by either visiting
their website available at http://www.ksinsurance.org or calling 1-800-432-2484.

 

If you are looking for a cheap car insurance in Kansas these tips may help you to lower your insurance premium cost:

1. Pay your Premium Once a Year:

The car insurance companies in Kansas allow you to pay your premium once
a year. However, it is easier for most people to pay a monthly premium,
since paying the premium yearly means paying one large lump sum.
However, if you afford to pay this yearly cost, it is beneficial for the
insurance company as it saves their administrative costs. The savings
is passed on to you and you will be offered a discount on your premium
rates.

2. Liability Only Insurance:

Collision and comprehensive coverage offer you coverage only for the
replacement value of car if you suffer a total loss. Liability only
insurance coverage would offer you enough to fund for a new car. Very
often insurers in Kansas suggest you buy collision coverage, but once
the payment is made for a replacement, it would not a wise to keep the
coverage. If you have a liability only insurance coverage, you need not
maintain other coverage options. This would save you a lot of your
money.

3. Good Driving Records:

Car Insurance companies in Kansas offer great discounts on premium rates
for good drivers. If you are a bad driver and you have been involved in
accidents a number of times or you have been issued tickets for
speeding or drink driving, you would be deprived of a discount on your
premium. So if you want to take advantages of any available auto
insurance discounts, you must make sure you drive safely every time you
are behind the steering wheel. Some companies may overlook a good
driver’s mistake if they get into an accident for the first time.

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Lousiana Car Insurance

Lousiana Car Insurance: Things you

Should Know Before Buying Car

Insurance

It has become a necessity for drivers to have suitable car insurance. If
you are a first time car buyer, you need to be aware of the ways in
which you can get cheap car insurance in Louisiana. Some of the ways
are:

Maintain a Good Driving Record

This is the most important factor considered by car insurance companies
in Louisiana when offering insurance quotes. Hence, it’s better for you
to have a clean driving record.

Secure your Vehicle

Cars that have a high risk of being stolen attract higher premiums.
Hence, it will be beneficial for you to make your car theft-proof by
installing safety features such as an alarm system. Air bags, GPS system
and anti-lock braking systems are also taken into consideration. By
having a car with safety features, you'll pay less in insurance premiums
to car insurance companies in Louisiana.

Do the Math

If you own an older vehicle with no loans, it does not require full
coverage insurance. An effective way to get cheap car insurance in
Louisiana is to reduce the coverage on the vehicle. If the premium
amount on the insurance policy is more than 10% of the car's worth, the
insurance policy is perhaps not worth it.

Shop Online

The most common mistake consumers make, is they purchase a car insurance
policy from the first company they find. You need to weigh all your
options. Compare the insurance quotes of at least 3-4 car insurance
companies in Louisiana. By doing so, you can choose a policy that suits
your budget and your needs.

Opt for a Yearly Policy

It will be beneficial for you to choose a yearly policy instead of a
6-month policy from your car insurance company in Louisiana. This way,
you will have to pay less in premiums and your rate will remain
unchanged for an entire year.

Drive Less

Certain car insurance companies in Louisiana offer their customers
low-mileage discounts. You can consider going to your workplace by way
of public transportation at least twice a week. This way, you can cut
down the usage of your car and get a cheaper insurance rate.

Minimum Coverage Requirements:

The state of Louisiana follows a Tort system and the minimum coverage requires:

• Bodily Injury Liability limits of $10,000 per injured person and
• Up to a total of $20,000 per accident
• Property Damage Liability coverage with a minimum limit of $10,000

This basic coverage is also referred to as '10/20/10' coverage.

More information about Louisiana auto insurance policies can be obtained
from the Louisiana Department of Insurance in Baton Rouge by calling
1-800-259-5300 or 1-800-259-5301 or visiting their website at www.ldi.state.la.us.

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Michigan Car Insurance

Michigan Car Insurance - State

Requirements for Residents

Buying car insurance in Michigan is easy. But if you are a first time
customer, it is essential for you to be aware of the ways in which you
can get cheap car insurance in Michigan. Some of these ways are as
follows:

Maintain a good driving record. This is the most important factor that
car insurance companies in Michigan consider while offering insurance.
To get cheap insurance rates, it is essential for you to have a clean
driving record with no cases of accidents or claims.

 

Consider the same insurance company for your home and vehicle. It is
advised that you consider opting for the same insurance company for both
your home and vehicle. Considerable amount of discounts maybe available
by bundling your home insurance needs with your car insurance in
Michigan.

Use your credit rating to your advantage: Car insurance companies in
Michigan value good credit reports and offer attractive discounts.
Hence, if you have been paying all your bills on time and have never
defaulted in any of your payments, insurance providers will see it as a
plus point in your credit report.

Buy a car with safety features. One of the most important factors that
car insurance companies in Michigan consider while offering discounts,
is the safety feature that the car contains. If your car consists of
cutting-edge safety features such as anti-lock brakes, airbags,
computer-chip keys, seat belts, GPS systems, or front and rear crumple
zone, you can get cheap car insurance.

Opt for insurance policies with high deductibles. By opting for
insurance with high deductibles, you will have to pay less on your
insurance premium.

Michigan Auto Insurance Requirements:

Car Insurance requirements vary from one state to the next. Before
buying car insurance in Michigan, it is advised that you be aware of the
state's requirements. If you are a Michigan resident, you can contact
the Michigan Department of Financial and Insurance Services (FIS)
located in Lansing by calling (517) 373-1820 and asking to be
transferred to the Department of FIS. Or visit their website at www.michigan.gov/difs.

 

You need to know that Michigan is a no-fault state. This means that you
will be required to carry a PIP (Personal Injury Protection) policy.

It is essential that all vehicles in Michigan are covered under a
liability policy, as there are exceptions to the no-fault rule. A
liability insurance policy is required to cover up to:

• $20,000 for the medical expenses of a single driver.
• $40,000 for the combined medical expenses of the driver and passengers injured in the accident.
• $10,000 for property damages (including the damage to both the victim's vehicle and public property).

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Minnesota Car Insurance

Minnesota Car Insurance: What MN

Residents Need to Know

When you register your vehicle in Minnesota, the authorities
automatically establishes that you have the minimum financial
responsibility as set by state laws.

MN state law requires its drivers to have mandatory bodily injury
liability, property damage liability, personal injury protection, and
uninsured and underinsured motorist coverage.

 

The law requires a minimum bodily injury liability of $30,000 per
injured person per accident and a total of up to $60,000 for all
injuries in an accident. The property damage liability coverage is set
at a minimum of $10,000 per accident. The lower limit for uninsured and
underinsured motorist coverage is $25,000 per injury per accident and
$50,000 for all injuries per accident.

 

This basic coverage plan is referred to as 30/60/10 coverage with 25/50 UM limits.

The personal injury protection coverage (PIP) that pays for injuries
sustained by you and your passengers has a minimum limit of $40,000 per
person per accident out of which $20,000 is for medical expenses and
$20,000 is for non medical expenses such as lost wages, funeral expense
and survivor's other economic loss.

This is the basic car insurance plan required by state authorities of
Minnesota. You can opt to add more coverage to it. If your car were
financed through a loan then you would require collision and
comprehensive coverage also.

 

Minnesota follows a “no fault” system, which means that your insurance
company will pay for your injuries regardless of whose fault the
accident is.

The victim of the accident is not entitled to sue the guilty driver
unless the cost of damages exceeds the coverage or if the accident
results in permanent disability, disfigurement or death.

Every Minnesota driver involved in an accident, which results in injury
or death, or property damage worth more than $1,000 must file a crash
report to the Driver and Vehicle Services within 10 days of the
incident.

 

More information on MN auto insurance can be obtained by contacting
Minnesota Dept. of Commerce in St. Paul by calling 651-296-4026 or
visiting there website available at http://www.state.mn.us.

If you have a bad driving record and are facing difficulties in
obtaining car insurance through regular channels, ask your insurance
agent about the Minnesota Automobile Insurance Plan. You can get
insurance through this plan as it takes care of high-risk individuals.
You can also use our free quotes tool available at the end of this
article to check on available insurance companies in your area.

The average car insurance premium for residents of Minnesota in the year
2009 is $1,855, which is more than the national average rate of $1,807.

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Missouri Car Insurance

Missouri Car Insurance: Coverage

Requirements for the 18th Most

Populous State

Before registering your car and driving it on the roads of Missouri, you
must prove your financial responsibility. Though the state gives you
various options to accomplish this, one of the most popular methods is
to purchase car insurance.

 

The state of Missouri requires drivers to have a minimum bodily injury
liability of $25,000 per injured person per accident and $50,000 for all
injuries in an accident. The minimum amount for property damage
liability for any one accident is $10,000.

 

Uninsured motorist coverage is also mandatory in the state to help
protect you against damages caused by uninsured drivers. The limits for
bodily injury are the same as regular coverage.

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

The insurance requirements laid down by the law of the state are simple.
You may add more coverage options to your personal car insurance plan
such as collision coverage, physical damage coverage, personal injury
protection coverage and gap insurance.

Missouri follows a tort system. Under this system, one of the parties
involved in the accident is believed to be guilty of causing the
accident. The person responsible for causing the accident and his/her
insurance company has to pay for all the damages that arise from the
accident.

Driving your car without valid insurance proof can result in either 4
points on your driving record or suspension of your license. Driving
uninsured may also result in automatic suspension of your license and
you will be required to pay a fine to get it back.

 

If you are uninsured and have an accident, you will be required to file
an SR-22 form to the Department of Revenue within the next 3 years.

More details on Missouri auto insurance requirements are available
directly from Missouri Department of Insurance by visiting their website
at http://insurance.mo.gov or by calling their Jefferson City office on 800-726-7390.

 

Purchasing a car insurance policy can be expensive. However, you can
still save some money by shopping around. Get quotes from multiple
online insurance companies. We have selected partners in every state in
the country that offer the most competitive rates and comparing the
prices is very easy using our online quotes system available at the end
of this article. Over the minimum requirements of the state law, you
need to decide what extra coverage you need, then look for plans that
cover all your specific requirements.

 

Start looking for a policy a few months in advance and make sure that
you do thorough research. Otherwise, you might end up paying more than
what you should.

To keep the cost of your insurance premium low, try to maintain a clean
driving record. Increasing the deductible will also bring down the
premium rates.

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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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