insurance | Chico-tv

May

2020

AAA Auto Insurance – Car Insurance Quotes

*Average savings as calculated by the J.D. Power “2017-2019 Insurance Shopping Study as of April 2019.” See https://blog.jdpa.com/insurance/states-with-the-most-and-least- affordable-auto-insurance. See also, https://www.jdpower.com/business/press-releases/2019-us-insurance-shopping-study. The study is based on responses from more than 14,400 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the past nine months and includes more than 38,800 unique customer evaluations of insurers. The study was fielded in April, July and October 2018 and January 2019. Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines and applicable laws.

Insurance premium does not include the price of Membership. Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.

A.M. Best Ratings located at www.ambest.com.

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May

2020

Car Insurance – Find Cheap Car Insurance Quotes Near You

Why do you need car insurance?

Car insurance is a must if you own or operate a car. Most states require you to carry car insurance, and without it, you face financial disaster if you cause a serious accident and get sued.

Beyond the mandated liability car insurance, it can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen – if you have chosen the right coverages to be on your policy.

Car insurance coverages

One policy can include several types of coverage.

Some car insurance coverages are required by your state’s law, like liability, and others are optional and provide added protection. Optional means by law you don’t have to buy the coverage, however, if you have a lease or loan on your vehicle your financing company can mandate you carry certain coverages, namely collision and comprehensive.

When shopping for affordable car insurance it’s prudent that you know what coverages you want to get the best policy for your specific situation. First, be aware that liability coverage limits are expressed as three numbers, for example 25/50/25. These limits are per accident and provide bodily injury liability up to $25,000 per person injured, up to $50,000 of coverage for all injuries, and up to $25,000 for property damage. Limits of at least 100/300/50 are recommended as medical bills and values of cars are on the rise.

Collision and comprehensive are physical damage coverages that protect your vehicle. They are typically paired together. You don’t choose a maximum limit for these coverages; it’s assigned by your insurer as the fair market value at the time of any accident that would find your car a total loss. Both collision and comp claim payments are reduced by the amount of your chosen deductible. See below for more detailed information plus descriptions of other types of car insurance:

Liability insurance pays for others’ damage and injuries when you cause an accident. Most states require you to carry at least a minimum level of bodily injury and property damage liability coverage. Liability coverage pays out to other people; it does not cover you, your passengers or your car.

Collision coverage is an optional coverage that pays to repair or replace your own vehicle after a crash. It pays if you are at-fault in an accident with another vehicle. It also covers other situations, such as if you hit a tree, roll your car or are hit by an uninsured driver. Comes with a deductible.

Comprehensive pays out if your car is stolen, if you hit an animal or if your car is vandalized. It also pays for damaged by a natural disaster, such as hurricane, tornado, floodwaters or high winds.

Personal injury protection (PIP) and medical payments (MedPay) are two separate coverages but both pay the medical bills for you and your passengers after a car accident, regardless of who caused the crash. PIP also covers lost wages and

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May

2020

Car Insurance Myths: Do I Need Rental Car Insurance?

When you rent a car, it can be hard to know if you need rental insurance coverage. For some drivers it’s a necessity, and for others it’s a redundant expense.

first things first: does my car insurance cover rental cars?

The limits and deductibles on your regular car insurance policy typically still apply to your rental car so long as you drive it for personal use. If it’s a commercial or business rental, your personal car insurance coverage may not apply.

However, be sure to check your car insurance policy or call your insurance company to find out which coverages extend to your rental car.

If you’ll be paying for the rental with a credit card, check with your credit card company to see what additional rental car coverage is provided. Call the number on the back of the card you use to pay for the rental before buying extra protection.

know your at-the-counter options

There are generally 4 coverage options available when you rent a car.

Loss-damage waiver (aka collision damage waiver)
- Typically waives financial responsibility if the rental car’s damaged or stolen; also covers loss-of-use charges while the rental’s in the shop, towing charges, and related fees
- Costs roughly $9–$19 a day

Liability coverage
- This state-required coverage protects you from potential lawsuits
- Costs around $7–$14 a day

Personal accident insurance
- Covers medical costs after an accident
- Costs $1–$5 a day

Personal effects coverage
- Insures what you keep in the rental car
- Costs $1–4 a day

the tempting add-on

Basic car insurance typically covers you in the event you cause injury or property damage while driving a rental. Likewise, comprehensive and collision coverage guard against damage to the rental car itself. But if you don’t have those 2 optional protections, consider the loss-of-use waiver, which, of the 4 rental car insurance add-ons above, offers the most protection.

Check with your insurer on whether rental car insurance is a good idea before you make a decision, and ask about potential administrative and loss-of-use fees levied by the rental company. Your comprehensive and collision coverage may be all you need.

depending on your policies …

If you have reliable auto insurance, renters/home insurance, and health insurance, you can save a good chunk of change by declining the other 3 coverages. Here’s why:

When you buy auto insurance, you’re required to buy a state-mandated amount of liability coverage (except in New Hampshire, where it’s optional), meaning you likely won’t need to add it at the counter.

If you have health insurance, consider declining personal accident insurance if your health plan covers accident-related injuries. If you have personal injury protection and/or medical payments coverage on your car insurance policy, it would also offer the same protection if an accident occurs.

And finally, if you have renters or homeowners insurance with off-premises coverage, your things are already insured before you stash them in the rental car. So consider declining personal

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Apr

2020

Official Site: Compare Insurance Quotes with Insurify

10 Best & Worst Sites to Compare Car Insurance Quotes

Up to 55% in instant savings are at your fingertips
when you compare car insurance quotes every six months. Let Insurify, Compare, and NerdWallet unlock discounted rates to fit your driver profile…

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Apr

2020

Free Car Insurance Quote – Save on Auto Insurance

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user’s own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third-party sites.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.

State Farm Bank (“Bank”) is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type or credit or service offered by visiting statefarm.com^® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Mutual Automobile Insurance Company

State Farm Indemnity Company

Bloomington, IL

State Farm County Mutual Insurance Company of Texas

Richardson, TX

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Apr

2020

Compare car insurance quotes

How do I compare car insurance to get the best cover for me?

The most important aspect of car insurance is making sure your have the right cover. If you focus too much on price, you may end up getting inadequate cover, which could cost you hundreds of pounds when you make a claim.

All UK drivers must have car insurance, unless the vehicle is officially registered as ‘off the road’. There are three levels of car insurance cover to compare:

Third party: While this is the most basic level of cover, it’s not always the cheapest car insurance when you compare quotes. It typically covers any compensation you may have to pay out to a third party, for causing any damage or injury. It also fulfills the minimum legal insurance requirements for UK drivers.

Third party, fire and theft: This kind of car insurance is exactly like third party. The only difference is that it also covers your car in case it is damaged by fire or stolen.

Comprehensive: A comprehensive car insurance policy will cover the cost of damage to your own vehicle, including in cases where an accident was your fault. Fully comprehensive insurance covers events like fixing your car after a collision, and damage by vandals. In some cases it may also allow you to drive other cars under the same policy.

How can I get the best car insurance quote?

Finding cheap car insurance and the best price for you means knowing what insurers look for when deciding how much to charge you in premiums, and how to compare quotes.

Make yourself a low risk driver

Car insurance companies like low risk drivers. They are less likely you are to make a claim, the cheaper your car insurance will be.

Some things you can do to lower the cost of car insurance include:

Adding safety features to your car like an alarm
Parking it in a driveway or garage
Choose a cheaper popular model.
Lower driving mileage

Some insurance companies offer discounts for drivers who have taken an advanced driving course, or who agree to have a telematics,or ‘black box’, fitted to monitor safe driving.

How to get cheap car insurance

Use the car insurance comparison tool to compare car insurance quotes from a wide range of companies to get a cheap deal. Read the Key Features document to ensure that it also offers all of the right coverage for you so it pays out when you need it.

Car insurance is typically more expensive for the over 70s and under 25s, so they should compare quotes from a number of insurance companies.

If you are renewing your car insurance, it helps to shop around and go back to your current insurer and ask them to beat the best quote you find.

Other ways to cut the cost of car insurance include:

Pay your premiums annually: Paying for your car insurance in full for the whole year, rather than in monthly

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Apr

2020

Insurance Quotes – Compare Auto,Health,Home and Life Insurance

Getting Insurance Quotes Made Simple

You don’t have to be an expert to get a good deal on your insurance premiums — that’s what we’re here for. Whether it’s auto, home, life or health insurance, and no matter what stage of life you’re in, we can educate you on how insurance works to protect you, your family and your assets. We also break down how pricing works, explain how much insurance you need for your particular situation and guide you through the buying process so you can be sure you’re getting the best deal on the right policy.

Smart ways to get online insurance quotes

Compare multiple companies When you’re shopping for insurance quotes to find the best rates, and best fit for your family’s needs, you need to obtain free insurance quotes from multiple companies. Our experts say always choose three or more to compare.
Compare apples to apples when getting insurance quotes You always want to compare identical amounts of coverage when obtaining online quotes, so you have an apples-to-apples comparison. If the limits or deductibles differ, you are not getting a real comparison.
Look beyond the cost of the policy The premium you pay is a big deal, but also read reviews of policyholders to see what they say about things that matter – such as customer service and claims – and also check the company’s financial security. You want to make sure the insurer has the financial means to pay out claims if you have them.
Buy online insurance with confidence After finding the company you prefer, finish the process by completing any required forms and purchase the policy. Don’t forget to find out if the policy starts immediately or on a future date.

Source Article …

Apr

2020

Compare Insurance Quotes with Confidence

Compare Insurance Quotes with Confidence | CoverHound

Simple. Fast. Reliable.

This is CoverHound.

See how we’re breathing life into the insurance industry and having fun doing it!

Why CoverHound?

CoverHound adds transparency to the insurance industry, offering accurate rates and a curated list of best options for both your personal and business insurance needs.

Our insurance advisors are compensated based on service and exceeding your expectations, not sales commissions. They offer objective recommendations to help you find the best policy.

We comparison shop with trusted insurers to help you save money. Our Licensed Advisors are here to help make sure all eligible discounts are applied to your policy.

We do not charge any fees to you. CoverHound is free to use. Our carriers pay us a commission based on policy sales and renewals.

*Average savings amount based on national CoverHound new Auto policyholder data from January 2014 through August 2015.

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Apr

2020

Classic Car Insurance | Collector Car Insurance |The Hartford

What Makes a Car Classic or Collector

Not every car qualifies for classic car insurance. To get this coverage, your car needs to be 10 or more years old and may be used on a regular basis. It’s value also needs to be much higher than the average for that make and model.

To learn more, call 800-555-2510 to get a classic car insurance quote from The Hartford today.

Your Collector Car Deserves Customized Coverage

We understand that collector cars are more than just a vehicle. They’re passion projects, cherished heirlooms and even investments. That’s why you’ll want quality car insurance coverage to help pay for repairs if it ever needs them. This is especially true because replacement parts can be costly and hard to find.

To get your car insured, customize your coverage through the AARP^® Auto Insurance Program from The Hartford¹ today. Through American Modern Insurance Group, we’ll offer you antique and classic car coverage that’s designed to protect your rare vehicle at a lower rate.

You can get your classic car insurance quote today by calling 800-555-2510. We’ll even help you learn more about which auto coverage is subject to policy provisions. These can include mileage limitations for your car.

Benefits of Classic Car Insurance From The Hartford

With a policy from us, you’ll get discounts on your car insurance rates if you have:

Anti-theft devices, like alarms and tracking equipment.

Defensive driving training from a course that’s approved by us.

Other auto or home insurance policies from us, so you can bundle your auto and homeowners insurance together.

With a classic car insurance policy from us, you’ll also receive 24/7 roadside assistance. Whether you need gas in your classic vehicle or you need to fix a flat tire on your antique car, we’ll help you wherever you need it.

Classic Car Insurance Coverage

Repairing and replacing a classic, antique or collector vehicle is expensive. That’s why you need the right amount of classic car insurance. Your car’s agreed value determines your policy’s coverage amount.

Add Even More Collector Car Coverage Options

You also may be able to add coverages for your classic car like:

For an extra premium you may be able to add optional coverages, like foreign transport. This can help extend your coverage for your car while it’s in transit and driven overseas. You can also get full safety glass replacement, if you need to replace your windshield and there’s no other damage on your car.

Classic Car Insurance Requirements

Each car insurance company has different classic car insurance requirements to qualify for this coverage. Some may require a clean driving history. This means if you have serious driving tickets or accidents, you may not qualify. Your insurance company also might require safe storage of your vehicle for coverage. This can be as easy as putting your car in a garage.²

FAQs About Classic and Collector Car Insurance

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Apr

2020

Florida Car Insurance – Quotes, Coverage & Requirements

Florida Car Insurance

Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.

Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.

Learn more about Florida’s car insurance requirements, the effects of traffic violations on premium costs, and how to get the best quotes on car insurance available.

FL Auto Insurance Requirements

Florida is a
no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.

The
minimum limits for Florida car insurance coverage are:

$10,000 of no-fault or personal injury protection (PIP) insurance.

$10,000 of property damage liability (PDL) insurance.

Personal Injury Protection

In addition to covering your part of any medical expenses and income loss that result from a car accident, your
Personal Injury Protection, or PIP, insurance will also cover:

Your child and other members of your household.

Your child (when he or she is riding on a school bus).

You (when you are a pedestrian or bicyclist involved in a car accident.)

Passengers in your car who do not have their own PIP insurance and do not own a car.

Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.

Property Damage Liability

Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.

Violation Penalties and Fines

The Florida
Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.

If the DHSMV has
no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.

To
reinstate these, you will have to provide proof of Florida insurance and pay a fee of:

$150 for your first offense.

$250 for your second offense.

$500 for each offense after.

If you are able to provide proof of insurance to the DHSMV
before the date of suspension, you will not face any penalties.

You can provide your proof of insurance:

If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL

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