:::

Budget Car Insurance Information

:::
 




:::

Budget Car Insurance Articles

:::

Understanding Different Types Of Auto Insurance

By Marcus Dubois

Auto Insurance policies can be divided into different categories according to the coverage they provide. Broadly speaking there are four kinds of policies known as Collision Insurance, Comprehensive Coverage Insurance, Uninsured and underinsured Motorist Coverage policies and No Fault Automobile Insurance policy. Besides these, there are policies that take care of other needs like covering an auto loan, paying for towing expenses or paying for the cost of a rented car while your vehicle is being repaired.

The most common insurance policies are:

Collision: Any property damage caused to your vehicle due to an accident caused by any other vehicle or object is covered under this policy. The claim amount cannot exceed the actual cash value of the vehicle and is subject to any deductible.

Comprehensive: Any property damage to your vehicle that is caused by non-collision factors like fire, theft, vandalism, and even natural disasters like flood, hurricane or earthquake is covered under this policy.

Uninsured Motorist Coverage (UM) and underinsured motorist (UIM) coverage: takes cares of any injury that may result to you or to persons insured in your policy from an accident that takes place with another uninsured or underinsured driver or vehicle owner. Generally only body injuries are covered under this policy.

No Fault Auto Insurance Policy: Irrespective of who caused the accident, the insurance company pays for the medical expenses and for the loss of wages that the insured suffers on account of a collision under this policy.

Some other additional coverage that an auto insurance policy holder can buy are:

Property Damage Liability and Bodily Injury Liability: These two policies protect the insured from any claims made against him for causing damage to property including vehicle belonging to another person or for causing any bodily injury or loss of life to other individuals up to the amount mentioned in the policy.

Auto Lease Protection: is an additional protection that you may add to your collision or comprehensive auto insurance policy to take care of any gap that exists between your auto loan amount and the cash value of your vehicle.

Full Tort and Limited Tort: available only in the state of Pennsylvania allows the insured to retain unrestricted rights to bring a lawsuit against a negligent party or recover expenses incurred for certain damages.

Rental Expense: Known as Extended Transportation Expense Coverage, the policy pays for a rental car while your vehicle is being repaired or replaced.

Medical Payments Insurance covers medical expenses for injuries sustained in an accident involving any vehicle for the insured, his passengers and other parties irrespective of whose fault it is.

Towing and Labor: An additional coverage option that can pay for all necessary towing and labor costs to tow your damaged vehicle to a work shop or another location.

Free Quote Budget Car Insurance - Turn 21 Today!


:::

Budget Car Insurance Featured Resources

:::


SEARCH RESULTS

Annuities: The Shocking Secrets Revealed
Discover The Shocking Secrets That Banks And Insurance Companies Don't Want You To Know.

Insurance Leads Generation
Generate Quality New Leads At A Fraction Of The Cost Of Offline Marketing.

Car Auction
From The Gov-Records.com Team!

State Car Auctions
Local Seized Cars and Real Estate Auction Listings


:::

Budget Car Insurance News

:::


Strategies to Pay for Retiree Health Care Costs
Plan ahead by including medical expenses as a line item in your retirement budget.

Guide to buying your first car
Buying your first car will require some time and effort on your part. Here's a step-by-step guide to get the best deal on a new ride.

Beginner?s Guide to Buying Your First Car
You don?t want to be bamboozled by a slick car salesman. As Stacy Johnson said, ?Cars are for transportation, not status.? Consumer Reports recommends that you figure out how much car you can afford by looking at two factors:

What you need to know about buying a teen?s first car
OKLAHOMA CITY ? When your teen starts driving, parents may be contemplating whether to buy another set of wheels. Before you pull the trigger and buy a car, the Oklahoma Society of Certified Public Accountants has some tips on how to handle the finances and responsibilities that come with making a purchase of this size. [?]

5 Low-Priced Cars with High-Tech Equipment
If you love high-tech but have only a low budget for car buying, here's a look at five 2014 and '15 models that are perfect for you.

Free Car Payment Insurance: What's The Catch?
Many dealers are offering payment protection plans on new cars. Are they right for you?

10 Step Checklist for Labor Day Car Shopping
Labor Day is a federally-recognized holiday which celebrates hardworking Americans with a day off from work. TrueCar.com estimated that Labor Day weekend last year would boast 1.13 million unit sales among the country's leading automotive manufacturers. With the car-buying trend likely to pick up at a similar speed from the last Labor Day weekend, it's clear that now is the best time to buy a ...

Can I Buy Insurance After Being Injured In An Accident?
The health law's ban on pre-existing conditions doesn't mean you can buy a plan after you get sick. Most people have to wait for the open enrollment period.

Buying the Right Auto Insurance for Your Teen Driver
Here's how to save money without sacrificing coverage when you add a teen driver to your insurance policy.

Car & Truck Rental News
Browse the latest breaking news across the automotive rental industry covering fleet acquisition, remarketing, rental software, GPS & telematics, fleet insurance and financing, rental operations, risk management, technological innovations and shifting market conditions.


:::

Budget Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com