HANDYMAN 
HandymanInsurance.com, Helps in Choosing Car Insurance Coverage
As consumers begin shopping around for automobile coverage they will quickly realize that there are many options that they have to choose from and for the average consumer it may be difficult to ensure that the right choice is made. auto insurance can be a complex product, but it is also extremely important and it may be in the best interest of a motorist to understand as much as possible before making a purchase; in many cases drivers either buy too much protection and spend unnecessary money or become underinsured.
If an individual is unfamiliar with the way an automobile policy works to protect them, they may want to take the time to do a little research and try to understand the difference in the various options that they have to pick from. There are many resources available online and off which can provide the definitions of the multiple types of protection and what they cover; by understanding this, consumers will have a better idea of what policy will best suit their needs. Whether getting help choosing the right policies from industry professionals, informative or government websites one thing will probably be certain and each will tell you that car insurance coverage recommendations will always include getting at least the minimum required to satisfy the laws of your state.
Choices in auto insurance Coverage
As mentioned, there are many choices that an individual has when they are looking to purchase an automobile policy and understanding them will be the difference in obtaining proper auto insurance. Aside from what the state requires an individual to purchase, they may want to consider higher limits than what their state mandates. For example, according to the Florida Department of Highway Safety and Motor Vehicles motorists are only required to carry coverage consisting of $10,000 in Property Damage Liability; while this may seem like a sufficient amount, this may not be the case if the insured strikes a luxury vehicle causing substantial damage and they may be held accountable for any remaining compensation exceeding the $10,000 due to the other party. Individuals who are residents of states that only require small coverage requirements to operate a vehicle may want to quote higher limits to protect themselves and their assets.
One type of coverage that many motorists choose to buy is Comprehensive and Collision which helps pay for damage sustained by the policyholder’s vehicle. Compensation comes in two forms; the insurance company will either pay the insured the amount needed to repair the automobile or replace it. There are no states that make this type of protection mandatory, but it can be beneficial to those who own high end automobiles or may even be necessary for those who are financing their car. Most financial institutions require their borrowers to carry this add-on as a condition of the loan agreement; this is done to protect the lender’s interest in the vehicle.
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Thursday, May. 20th 2010 8:41 AM at 8:41 am
When the vehicle is registered in the name of the business then you definitely need commercial auto insurance. When the vehicle is registered in the name of the business then you definitely need commercial auto insurance. If you use the same vehicle to then travel to clients or job sites, depending on how often you do this and the nature of your work, you might need commercial insurance. Another sign that you need a commercial auto insurance policy is if other employees at your company are driving the car. You need commercial auto coverage if you or your employees will use titled vehicles in their work. In every instance where you have employees who drive company cars for deliveries, meetings and the like, you will need to purchase commercial auto insurance. Only driving to and from your principal place of work is considered commuting and does not need a commercial insurance policy.
Saturday, May. 22nd 2010 7:37 PM at 7:37 pm
You will want to find out some information about the different companies, determine how much coverage you need, and of course you want to find the best price. If you are an older driver or someone with a good driving record, chances are you’ll be able find a very competitive quote from a number of different insurance providers, and even of you have a less than perfect driving record it is still possible to get vehicle insurance that that is not only reasonably priced, but gives you the protection and peace of mind you require. There are many web sites that offer online vehicle insurance rates making it simple to view the prices and coverage plans in the comfort of your home without the pressure to buy.
Sunday, May. 23rd 2010 6:39 AM at 6:39 am
Whether licensed or not, in many states an individual who owns a vehicle will be required to maintain car insurance for as long as they have a valid registration; if they wish to forfeit the registration they can, but should notify the proper state department before canceling coverage in order to avoid any penalties and fines for failure to maintain a policy.
Although it may not seem to make sense to keep policies on a vehicle while unlicensed there are situations where it may be a good idea. Vehicle owners may not have a driver’s license themselves, but may occasionally lend out their automobile to friends, members of their household or caretakers would need the vehicle to be insured to be operated legally.
Sunday, May. 23rd 2010 3:24 PM at 3:24 pm
Discounts are given for many different reasons including having multiple cars on a policy, having a good driving record and/or credit score and combining two different lines of insurance, etc. Therefore, the best way to reduce what will be paid for coverage is to get as many quotes as possible and take advantage of any discounts that apply to you. It is also a good idea to periodically compare rates to ensure that your current provider is still the most affordable.
Wednesday, May. 26th 2010 5:30 PM at 5:30 pm
There are many websites that offer online vehicle insurance rates making it simple to view the prices and coverage plans in the comfort of your home without the pressure to buy. Surf the Internet and obtain numerous online vehicle insurance rates. There are a number of things which affect the price of automobile insurance.
For instance if the costs increase as the coverage increase, you could try to reduce the number of items being covered by the policy to reduce the rates and make it affordable. You might want to consider liability only auto insurance for certain types of vehicles lower in value. Higher priced vehicles are expensive to repair and may even have higher chances of being stolen, insurance providers will charge you costlier insurance rates.
Saturday, May. 29th 2010 6:47 AM at 6:47 am
One great thing about comparing free quotes is that it can be used in a number of different situations. For many comes the day when their child hits the golden age of 16 and obtains their driver’s license; while the parent may be proud of their child’s accomplishment, one thing is for sure and it is the dread of the auto insurance premium increase they are almost certain to receive; shopping around and receiving rates can lessen this blow and lead to a cheaper carrier whether they will be added to a parent’s existing policy or getting one of their own.
Another wise place to take advantage of free quotations is when motorists are looking to purchase a new vehicle; through much of the excitement of getting behind the wheel of a dream car, many forget the cost of insuring it and will be shocked to see that the price of coverage can nearly equal the automobile’s monthly payment. Comparing rates before a purchase can help avoid getting into buying a vehicle that may not be as affordable as once thought.