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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

Collector Car Insurance Now Quoted at Insurance Website Online
Collector car insurance is now being quoted for motorists using the Bright Sky Insurance portal online at http://brightskyinsurance.com/auto-insurance.html . (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/collector-car-insurance/auto-insurance-vintage/prweb12120296.htm

CHROME® Renamed American National Collector Car Insurance
Car buffs offered numerous benefits with coverage especially tailored for collector vehicles. (PRWeb August 24, 2014) Read the full story at http://www.prweb.com/releases/2014/08/prweb12115248.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

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

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

Discount Car Insurance for U.S. Drivers Now Searchable at Insurance Website Online
Discount car insurance is now searchable for drivers in the U.S. using the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 30, 2014) Read the full story at http://www.prweb.com/releases/discount-car-insurance/auto-insurance-compare/prweb12134407.htm

Best Car Insurance Discounts for 2014 Featured at New Car Owner Portal Online
Best car insurance discounts are now searchable for 2014 using the insurer finder at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 22, 2014) Read the full story at http://www.prweb.com/releases/best-car-insurance/car-insurance-quotes/prweb12115823.htm

Texas Car Insurance Estimator Now Active for Use at Insurance Website Online
A Texas car insurance estimator tool is now actively used for drivers using the Bright Sky Insurance portal to find affordable pricing at http:/brightskyinsurance.com/auto-insurance.html. (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/texas-car-insurance/auto-insurance-tx/prweb12120383.htm

Affordable Car Insurance by State Now Found at Public Insurance Website Online
Affordable car insurance is now searchable by state through the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 24, 2014) Read the full story at http://www.prweb.com/releases/affordable-car-insurance/auto-insurance-quote/prweb12117481.htm


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