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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

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

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

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

Detroit Has Most Expensive Car Insurance, Charlotte Has Cheapest
SAN FRANCISCO, Sept. 11, 2014 /PRNewswire/ -- Detroit has the most expensive car insurance and Charlotte has the cheapest, according to a new insuranceQuotes.com examination of average premiums in the ...

D.C. area among metro areas with least expensive car insurance
In a region where everything from gas to groceries seems more expensive, one thing is ranking among the least expensive in the nation: car insurance.

Car Insurance Yorba Linda CA: Target Up Insurance is Expanding
YORBA LINDA, Calif., Sept. 10, 2014 /PRNewswire-iReach/ -- Car Insurance Yorba Linda CA - Car insurance is not something many consider on a regular basis, and when it is time to start thinking, many just go with the first major company they find on the television or online. This is a shame, particularly because Target Up Insurance, a company with over 30 years of service in the Southern ...

Car Insurance Quotes Website Now Displays New Liability Rates for Motorists Online
Car insurance quotes are now displayed using the Quotes Pros website online. A new finder for liability prices is available to use at http://quotespros.com/auto-insurance.html . (PRWeb August 23, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quotes/auto-insurance-quotes/prweb12117084.htm

Car Insurance Quotes for Liability Policies Now Presented to Auto Owners at Insurer Portal Online
Car insurance quotes are now presented for liability policies using the price tool at http://quotespros.com/auto-insurance.html at the Quotes Pros website. (PRWeb August 30, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quotes/auto-insurance-rates-find/prweb12134397.htm

Car Insurance Quote Finder Now Installed at Public Insurer Portal Online
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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