:::

AA Car Insurance Information

:::
 




:::

AA Car Insurance Articles

:::

Understanding Your Auto Insurance

By Tom McKnight

Reading auto insurance policies can be like trying to decipher advanced calculus. It's really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.

You'll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you're at fault for something, well of course it would still be an accident, as I doubt you'd plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250? $500? $1,000? Just like medical insurance, you'd have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.

Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.

In addition to knowing how much Collision and Comprehensive coverage you have, you'll want to know about your liability coverage. Let's say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.

You don't want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn't take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.

The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone's home? You wouldn't want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.

Every policy will have its limits and various degrees of coverage. It's important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!

Free Quote AA Car Insurance - Turn 21 Today!


:::

AA 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


:::

AA Car Insurance News

:::


Insurance cost drop 'masks divide'
Home and motor insurance premiums have dropped sharply, insurance brokers say, but the AA has highlighted big regional differences in costs.

Car insurance premiums remain stubbornly high in Bradford
BRADFORD continues to be a hotspot for sky-high car insurance premiums - after the city bucked a national trend and saw a rise in prices.

Car insurance costs remain stubbornly high in Bradford despite premiums falling nationally
BRADFORD continues to be a hotspot for sky-high car insurance premiums - after the city bucked a national trend and saw a rise in prices.

The family car costs more than ?10,000 a year to run
A new study by the AA finds that, despite a slight decrease, the cost of running a family car remains high.

The postcodes with the cheapest car insurance
Car insurance premiums are falling, but not everywhere's benefitting.

Accelerating prices hit family budget
High petrol costs are forcing New Zealanders to cut back on their health spending.

Car insurance postcode lottery: some pay £700 more
Drivers in 'higher risk' postcodes pay up to £700 more per year for comparative cover

AEB: Is this the future for car insurance?
Car insurer MORE TH>N is cutting its premiums for drivers who have autonomous emergency braking (AEB) fitted as standard in their car. Motorists who have the safety system will see a typical discount ...

London drivers paying £700 more for insurance
Drivers in London pay up to £700 more than those in the Isle of Man for their car insurance, despite a record drop in premiums across the country, new research from the AA has revealed. Its latest British ...

Most expensive areas for car insurance with London and Manchester top
Motorists in London face paying nearly four times the amount for car cover than those living in the Isle of Man, a study has revealed.


:::

AA Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com