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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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A car insurance quote finder is now available for drivers to use at the Quotes Pros website nationally at http://quotespros.com/auto-insurance.html . (PRWeb August 31, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quote/auto-insurance-quote/prweb12134849.htm

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General car insurance is now being quoted for new drivers who use the independent system built at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 27, 2014) Read the full story at http://www.prweb.com/releases/general-car-insurance/car-insurance-quote-tool/prweb12127427.htm

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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

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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

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

Auto Insurance Comparison Database Now Active with High Risk Rates for Motorists Online
The auto insurance comparison database built at the Quotes Pros website is now updated and active with high risk provider pricing at http://quotespros.com/auto-insurance.html . (PRWeb September 08, 2014) Read the full story at http://www.prweb.com/releases/auto-insurance-comparison/car-insurance-quote/prweb12152687.htm

Auto Insurance Quotes For High Risk Drivers Now Available At Insurance Panda
The Article Helps High Risk Drivers Understand How Insurance Companies Decide how to Insure Vehicles and the Best Way to Obtain Auto Coverage New York, NY / ACCESSWIRE / September 3, 2014 / InsurancePanda.com, ...

Cheap Car Insurance for Preowned Motor Vehicles Added to National System at Insurance Portal Online
Cheap car insurance is now searchable for owners of preowned vehicles using the finder at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 21, 2014) Read the full story at http://www.prweb.com/releases/cheap-car-insurance/auto-insurance-quote/prweb12113731.htm


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