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3 years ago · by · 0 comments

Questions To Ask When You Buy A Car

Whether you buy a new car or a used car, there are always questions that you need to ask. Because there are a handful of things that need to be considered, it should be especially important to learn more about your car insurance policy even before you make a purchase. Although it may seem as if all insurance programs are one and the same, each one comes with its own particulars and it is best if you understand each one before you make any decisions.

Talking to an insurance advisor would be the best way to learn more about the insurance program. It is their goal to help you decide and what better way to learn than to ask. Here are some of the questions that you need to ask before you buy a car or an insurance for it:

  • Would a different car model but the same brand cost much less to insure? Most car insurance companies have a pre-computed rate for a specific type of vehicle. Similar models from different brands may have similar insurance rates, but the rates change every year. In fact, within months, the rate of the insurance changes based on the popularity of the vehicle model. To keep yourself updated, make sure you keep in touch with a trusted insurance advisor.

  • Is it necessary to buy a comprehensive coverage? If you own a brand new vehicle of a known brand, a comprehensive insurance might be the best program for you. Those who are taking out the vehicle through a car loan are also required to buy a full coverage. If you’re not sure if that’s what you want, then an insurance advisor will help you decide based on your use of the vehicle, frequency and for what.

  • Does the insurance program include theft? Not all insurance programs include theft as part of their coverage. However, if you plan to get one because you live in a high-risk area based on your insurance advisor’s assessment, then you should go for the comprehensive insurance. It covers pretty much everything.

Buying car insurance is like buying insurance for your home. You need to be asking the right questions to get insight on the program you are putting your money in. Talk to your trusted insurance advisor today and get all the answers that you need.

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3 years ago · by · 0 comments

Tree Fell On My Car: Will My Insurance Cover It?

Whether it is a small twig, a huge branch or the whole tree falling on your car, it can bring about considerable damages. You could only imagine the massive repair bills that will pile up on you just so you can have your car repaired. Most drivers would turn to their car insurance provider hoping to get financial help, but having car insurance does not guarantee coverage for such.

In truth, most car owners are not aware of the coverage that their car insurance includes. For many, purchasing a car insurance is something that they do because it is required by the law, not realizing that the car insurance coverage that they have could make or break them.

Will your insurance cover the tree that fell on your car and the damages that it incurred? It all depends on your coverage as well as the policy type that you signed up for.

If you have a comprehensive car insurance coverage, then you are lucky because it covers just about any type of damages to your car including the one caused by the fallen tree. Depending on the policy you bought, the car insurance representative will check the cost of the repair and approve of the job arranged with their accredited shop. If your car is still under amortization, the lending, usually a bank, will require you to get a comprehensive insurance.

If you only have a liability insurance, you are most likely paying for something less than what a comprehensive insurance owners pay for. The cheap cost says a lot about the coverage that it includes. The liability insurance only covers the damages incurred on other people’s property, but it does not include the repair that your car needs. If you opt for cheaper insurance, then you must prepare yourself to get less of the coverage too.

If you own a home insurance coverage, you shouldn’t expect it to cover the cost of the car repairs too. Though your car is often parked in the garage of your home, it is essentially not part of the house in itself. Don’t waste your time making a claim to your home insurance provider for the repair of your car because a tree fell on it. The efforts will fall useless.

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3 years ago · by · 2 comments

Personal Auto Insurance: Facts You Need To Know

A number of insurance companies offer a variety of car insurance coverage but not all of them are the same. Although car insurance is required by the law in Canada, you still have to be very careful of the policy you buy. Understanding the facts about the personal auto insurance will help you figure out the policy that fits your needs.

It’s very tempting to buy cheap insurance as it would mean paying less. However, the truth about being underinsured can hit you at the moment you least expect. Some of the car repairs you need are quite expensive and if you don’t have enough car insurance coverage, it might stir out real financial trouble for you.

Insurance Premium

When you look for a car insurance policy, remember to ask for a quotation. It is best to know how much you’ll be paying so you can plan your finances ahead of time. The insurance company calculates your insurance premium based on a number of factors including the model of your car, the traffic tickets you’ve been issued in the lasts twelve months as well as your age and marital status. All these factors contribute to the risk level that insurance company watches out for.

Liability Coverage

When you find yourself involved in a car accident, not only does your insurance cover the medical help that you require, but also the repair of the vehicle. More than that, it pays to have good insurance coverage that includes liability insurance. In case the other party decides to file a case against you, the liability clause of your insurance will ensure that you get the right kind of legal and financial help, in case an out of court settlement is possible.

Full Coverage Policy

A full coverage policy is a good coverage option for those who are just new to driving. More importantly, if you are driving the latest vehicle model of a high-end brand or work for a company that requires you to travel a lot, it is best to have the full coverage policy. This is the type of insurance that ensures that you are financially secured no matter what type of accident you may get involved in.

Understanding your policy and its coverage is as important as purchasing the policy itself. While it may be tempting to buy the cheapest, remember that affordability doesn’t always mean the best fit.

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3 years ago · by · 2 comments

FAQs on Car Insurance

A car insurance policy serves as the protection of your vehicle and the people who may be riding it at the time of the accident. It may cover a broad range of scenarios, depending on the coverage that you choose. Sometimes, you may have questions about particular items in the coverage, and it is best to ask them before the need to file for a claim occurs. This is to make sure that you can manage your expectations concerning the policy you bought and the help they will be able to provide.

Some of these questions may be as simple as hitting a deer and asking whether it’s covered by the insurance or as complicated as hitting a person while you were drunk and driving and wanting to know if the insurance covers such accidents too. Whether it is a simple question or a complicated one, it is best to get the answers straight. Here are some of the frequently asked questions about car insurance you may want to ask:

•    Will the insurance cover the parade float I am making for my car? As long as you are doing the float as a volunteer which means you are not paid, typically, insurance companies cover it with protection. To make sure that your insurance provider indeed provides protection for such, it is best to talk with their representative.

•    Does my car insurance cover damages incurred by a hail storm? If you signed up for comprehensive insurance, you don’t have to worry about the cost for the repair of damages caused by a hail storm. However, primary insurance coverage does not include the harsh effects of the hail storm in their coverage.

•    Does my policy cover tree damage? If you have a comprehensive car insurance policy, the company will shoulder any repairs needed or the replacement of your unit even, as long as it does not exceed the market value of your vehicle.

•    Will my car insurance policy cover a hit and run accident? The primary car insurance covers damages to the vehicle as well as the medical expenses of both the driver of the vehicle and the other motorist involved in the accident. However, some insurance companies may have specific needs that they will only cover, so it is best to coordinate with the representative of your car insurance company.

You can get the answers to all these when you sit down with your insurance provider representative. Take the opportunity to talk to them about your concerns before they become real life concerns.

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3 years ago · by · 1 comment

Car Accident: What Do You Do First?

No one knows when they would find themselves in an accident. The worst thing that could happen is risking one’s life because medical help didn’t come. For accidents when the air bag or the seatbelt may have saved them, not having enough money to pay for their hospital bills or the legal fees when the other party presses charges could mean a lot of trouble for many car owners. By then, they think about the car insurance program that they were offered but gladly declined.

Perhaps in these scenarios, homeowners wished they made a better choice by investing their money in something that could be useful for them in the future. Sadly, not everyone sees the need for a good car insurance coverage until it is there.

But if you are one of those who bought the right car insurance based on the assessed needs, here is the first thing that you have to do when you get involved in an accident.

•    First, make a personal assessment of your condition. Can you walk? Can you talk? Can you get yourself out of the car to get a better view of what just transpired? All these points to the condition that you are in. Your current state of health just after the accident should help you decide what to do next. If you are fit to get out of the vehicle, then it is best to make calls. But if you are not, it is best to stay where you are until help comes.

•    Second, look at your surroundings? What can you see? Does the car accident show any signs of further danger like the car exploding in front of you or a nearby establishment catching fire? Looking at your surroundings should also help you decide whether or not you have to do an immediate evacuation. Remember that the goal is to save yourself and those riding with you in the car from further danger.

•    Lastly, call for help. Whether it is your insurance provider you call first or medical assistance, it is important that you get immediate help so that experts can evaluate your condition. Whoever you end up calling first, make sure to ask them to call your insurance company. Once the insurance company is notified of the accident you’ve just been in, they would automatically get a company representative to attend to your needs.

Being in a car accident can mean some serious effects on your health as well as the overall condition of your vehicle. It is always best when you have car insurance coverage. Getting help won’t be so difficult.

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3 years ago · by · 2 comments

Tactics To Getting Lower Car Insurance

Is it possible to buy cheap car insurance coverage without getting less coverage than the regular-priced ones? Every car owner is in search for that car insurance program. Who wouldn’t when it seems everything these days are getting expensive. Since buying lower insurance coverage is not worth it at all, there are other ways you can get car insurance for much less without giving up a comprehensive coverage?

You must have heard a couple of family and friends complain about how expensive their car insurance policies are. The secret to buying lower car insurance is for you to start thinking like an insurance agent. What would you tell a prospect client? Here is a list of things that could help you get those costs down:

•    Pick a car that is both functional and eco-friendly.

Driving the latest model available in the market is tempting. It spells confidence at its best form. However, driving the latest model might make heads turn, but it could also increase car insurance rates. So if you want to save on insurance costs, it might be better to choose a more practical less flashy car.

•    Own your vehicle.

Did you know that if you are driving a car you leased, you are made to pay more for its insurance? This is simply because you don’t own the car and you are not in charge of the coverage that you want for it. The person or company who owns it dictates what coverage you should get before you have the car rented. So if you buy your car, you will be able to decide what coverage it should have and maybe pay a little less on its monthly premium.

•    Think twice before buying comprehensive insurance.

There are two basic types of car insurance coverage – liability insurance and comprehensive insurance. Liability insurance covers the damages that are incurred in your vehicle, other people’s property and people’s injuries. The other one covers everything else. If you are driving an old model, a comprehensive insurance may not be a good fit. Not only will it means paying the insurance company more, but it means buying insurance that’s more expensive than your car.

There are more than a handful of ways you can get the insurance rates lower. These tactics prove to help you purchase insurance you can afford.

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3 years ago · by · 0 comments

Discounted Insurance: Is It Worth Buying?

Buying car insurance is one of the things that car owners must do primarily because the law requires it. Without car insurance, the owners won’t be able to use their vehicles for personal or business travels. The government of Canada required every vehicle to be insured not only to protect its owners but to also provide protection to those that may be injured or damaged when an accident occurs.

When shopping for car insurance, most vehicle owners would be looking at two things – value for their money and discounted rates. With all the insurance programs available today, it is not impossible for car owners to find the one that suits their needs and their budget. However, the significant number of policies available can also make it nearly impossible to choose just one. It may even seem like one program is better than the other.

Since the budget takes a significant role in the decision-making process, most car owners choose insurance programs that are easy on the pocket. They also haggle for discounted insurance rates. Who wouldn’t? Despite the reassurance that they get, many people worry that buying discounted insurance rates may come with risks. If so, are they worth buying?

Buying insurance for your car or home come with risks. Buying them at discounted rates may add a little more to the risk, but it doesn’t mean that the programs of these car insurance companies are not good. The reason that they provide you with discounts should mean something. When they offer the insurance program for much less, the first thing to look into is the coverage that it offers. Is it much less than the ones sold at regular rates?

If not, then the insurance company offers it to you for another reason. You might be buying more than one insurance coverage from that company, that’s why they are offering it to you for much less. Most insurance companies offer discounted insurance programs for clients who buy more than one policy for them. This is how they show their appreciation for being entrusted with the coverage of their customers.

Is it worth buying discounted insurance? In truth, its value depends on what you are looking for. If you aim at savings on an insurance policy without getting less of the coverage, then discounted rates are of great value. However, if it means the opposite and all you want is to save on monthly insurance premiums, then you should think twice.

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3 years ago · by · 2 comments

Hit and Run: Will My Insurance Cover It?

Most people who get involved in an accident, whether it is their fault or they fall victim to another one, are usually responsible enough to face the consequences of what they have done. However, there are also those who fall victim to hit and run accidents. Irresponsible drivers are all too familiar too.

If another has hit your can, you can file a claim for coverage against the other person’s insurance policy. You are lucky if he has one. It will be a big problem if he doesn’t. But what if you fall victim to another person’s reckless driving and he flees the scene as if nothing happened? What would you do then?

If you are hurt, or your car has been damaged by a hit and run accident, your insurance policy should be able to cover you and your vehicle’s needs. However, it is important to check with your car insurance provider whether hit and run accidents are part of their coverage or not. If it is, then you don’t have to worry about the expenses that the accident has incurred on you and your vehicle. But if not, it means a lot of problems, but at least you have one more reason not to renew that car insurance next year.

Be knowledgeable about what the insurance policy covers. Before you make any purchase, it is important that you discuss what your plan offers. Collision coverage should be on top of your list. A collision coverage provides you with protection whether it is your fault or the other people. This type of coverage helps pay for the repair of the vehicle no matter who’s fault. If you have this kind of coverage, you don’t have to worry about being a victim of a hit and run accident; your policy will cover all your needs.

It is unfortunate to become a victim of a hit and run accident that you wouldn’t wish it on anyone else. It is for this reason that you should invest in your insurance policy. It may mean additional cost now, but it will mean security for you and the people you love. After all, a good insurance coverage will not leave you helpless right at a time when you need help. Instead, they will be there to provide you with everything you need when you need it, only because they know that you invested and trusted them with your security and safety.

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3 years ago · by · 0 comments

First Auto Insurance Policy: What Do You Need To Know?

Buying your first car has always been one of those moments that make you feel giddy inside like a child on Christmas morning. It’s considered a significant milestone as it has a symbol of you becoming an adult yourself. The independence that comes with driving your car comes with great privilege and responsibility. Buying your first auto insurance policy is as important as buying the car itself. You need to begin asking which type of coverage you need in your life

It can be very tempting to ask the insurance agent to talk to you about the least expensive policy that their company can offer, especially when you just purchased your car in cash. After all, with the gas prices going steadily up, keeping the car can be quite expensive. But is it the right choice to go for the cheaper one when your insurance coverage spells out your security in the case of an accident? Perhaps you have to re-evaluate your understanding of what car insurance policy and the role it plays in your life as a car owner.

Once you fully understand what it means to have a comprehensive car insurance coverage, it would be much easier for you to realize that cheaper isn’t necessarily better, especially when it concerns your insurance. Think about it: what if you get involved in an accident as a result of your negligent driving, you get seriously hurt, and you caused severe damages to the health and property of other people, where do you get help? This is when the few extra dollars you spent on car insurance will step in and turn into a big help for you.

The goal is to buy coverage that will be enough to provide you with help and help to those whom you may have hurt because of the accident. Insurance policies are not just about getting funding. It is also about getting legal help when you need it. If the other party decides to file a personal injury case against you, where will you get help? The insurance company you’ve entrusted with your policy investment will step in to help you.

Indeed, it can be tempting to pay for less when it’s available, but the real question is whether it is worthy or not. If you think otherwise, then it’s not worth buying at all. A comprehensive car insurance policy will provide you with the help you deserve.

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3 years ago · by · 0 comments

Auto Insurance Made Simple: A Guide To Auto Insurance

What do you know about the auto insurance coverage that you have? Apart from the fact that you need to purchase one for the renewal of the car registration, what else do you know about car insurance programs and their coverage? People have been used to reading the policy only when they find themselves involved in an accident, and they need to make a claim. Since you have to purchase a car insurance policy, it is mandatory that you sit down and take a good look at the specifics that it includes.

The first thing to do is to find yourself a good insurance representative to help explain to you the program that they are offering. It would help to talk to a few of them from different companies so that you can see what each company can offer. When you find an insurance agent, it would be best also to ask questions about the coverage. Through asking, you’d be able to learn more about the insurance policy. By then, you’ll be more informed; thus, you’d be able to make a sound decision as to which program you’d like to buy.

Second, don’t forget to ask for a quote. Though they may have explained the specifics of the plan with you and may have given you the figures verbally, it is best to ask for a written quote. This is to make sure that you have a full understanding of the program and the financial obligation it comes with. Getting quotes from various companies will also help in the decision making. No matter how good the program is, if you cannot afford it at the moment, there is no point in buying it and drowning in debt soon after.

Third, read about the insurance companies online. If you can go to the government website to check the details of the business, including their financial status, then that would be helpful too. The goal in buying car insurance is getting your mind off the possibility of not having enough money to get the medical and legal help that you need in case of a road accident. It is like buying personal injury coverage in advance. That’s why you want to make sure that you are buying insurance from a company who could financially provide that and more.

When it comes to auto insurance, you have to make sure that you get only what is best at the right price. After all, you’re buying insurance for your safety and security.

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