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Auto Insurance 101

By Chris Tolamalu

Auto insurance, as the term suggests, is insurance that you can purchase for your vehicle (cars, trucks, SUVs, motorcycles, etc.). It provides protection against losses incurred as a result of vehicle accidents. While the product seems simple, there are many different types of auto insurance policies available for purchase. Depending on the policy that you choose, your coverage levels and types will vary. Broadly speaking, these are the types of auto insurance programs on the market today:

Coverage:

• ‘Comprehensive coverage’ (Comp) – This kind of insurance insures your vehicle against the cost of purchasing a new vehicle if it is stolen or destroyed in a fire.

• ‘Collision coverage’ (Coll) – This kind of insurance insures your vehicle against the cost of repairing the vehicle following an accident or the cost of purchasing a new vehicle if it is damaged in an accident beyond economic repair.

Protection:

• Personal Injury Protection (PIP) - This insures against the cost of medical expenses and lost wages related to the use, ownership or maintenance of a motor vehicle. This insurance is mandatory in some U.S. states.

• Medical Payments (MP) - insures against the cost of medical expenses for bodily injury sustained in an accident beyond any expenses that may be covered by PIP.

• Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.

While ‘Liability insurance’ covers only legal liability, ‘comprehensive insurance’ covers PIP, MP, as well as legal liability. In the United States, liability insurance covers claims against the policyholder and any other operator of the insured’s vehicle. If, however, any other operators live at the same address, they must specifically be covered on the policy. For rented vehicles, most rental car companies offer insurance to cover damage to the rental vehicle.

While comprehensive insurance covers most aspects of damage which can affect the car itself or the driver, there is one risk associated with buying a new car is not covered even by comprehensive insurance – once the car is bought, there is a sharp decline in its value. During this period (immediately after a car is bought), in which the remaining car payments exceed the value of the vehicle and thus the compensation the insurer will pay for a ‘totaled’ (destroyed, or written-off) vehicle, customers may consider purchasing ‘GAP insurance’. GAP insurance was established in the early 1980's to provide protection to consumers based on buying and market trends.

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Car Insurance Rates Finder for California Agencies Added to National Tool at Insurer Portal Online
Car insurance rates finder is now helping drivers to review California agencies for low prices at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb September 12, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-rates/auto-insurance-quotes/prweb12166539.htm

Comparing Car Insurance Rates by Zip Code Now Easier for U.S. Drivers at New Insurer Portal
Comparing car insurance rates are now easier using zip codes at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb September 08, 2014) Read the full story at http://www.prweb.com/releases/comparing-auto-insurance/car-insurance-prices/prweb12153042.htm

General Car Insurance Quotes for California Drivers Added to National System Online
General car insurance quotes are now displayed to California motorists who use the Quotes Pros website online at http://quotespros.com/auto-insurance.html . (PRWeb September 08, 2014) Read the full story at http://www.prweb.com/releases/general-car-insurance/auto-insurance-finder/prweb12153103.htm

California Car Insurance Rates Now Searchable from New Insurer Finder Online
California car insurance is now searchable for low rates using the insurer system built at the Quotes Pros website. New data from CA agencies is added at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/california-car-insurance/auto-insurance-quotes/prweb12130550.htm

Car Insurance Quote Finder Modified to Include National Pricing at Insurance Website
The car insurance quote finder at the Quotes Pros website is now featuring national prices from agencies at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quote/auto-insurance-quotes/prweb12130847.htm

Full Coverage Car Insurance by State Agencies Now Quoted for American Motorists Online
Full coverage car insurance is now included from state agencies in the database at the Quotes Pros website. Instant quotes are available at http://quotespros.com/auto-insurance.html . (PRWeb August 23, 2014) Read the full story at http://www.prweb.com/releases/full-coverage-car/insurance-quotes-rates-us/prweb12117060.htm

Car Insurance Quotes for California Motorists Now Delivered Online at Auto Insurer Website
Car insurance quotes are now obtained online by California drivers using the system at the Quotes Pros website. State agencies can be sorted by price at http://quotespros.com/auto-insurance.html . (PRWeb August 20, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quotes/auto-insurance-california/prweb12109490.htm

Car Insurance Discounts from Ohio Companies Added to National Search Tool at Insurer Website
Car insurance discounts are now viewable from Ohio companies for motorists at the Quotes Pros website. The search tool at http://quotespros.com/auto-insurance.html reveals all pricing. (PRWeb August 21, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-discounts/auto-insurance-quote/prweb12113873.htm

Affordable Car Insurance Providers Quoting Plans Online Added to Insurer Portal Website
New affordable car insurance providers are now helping to quote policies online using the Quotes Pros database at http://quotespros.com/auto-insurance.html . (PRWeb September 04, 2014) Read the full story at http://www.prweb.com/releases/affordable-car-insurance/auto-insurance-quotes/prweb12146323.htm

Liability Car Insurance Rates Now Supplied to Motorists at Insurance Website Online
Liability car insurance rates are now being generated for drivers who use the Quotes Pros database for price research at http://quotespros.com/auto-insurance.html . (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/liability-car-insurance/collision-insurance/prweb12120225.htm


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