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tyler
I want to get a sports car. Money is not a problem I just want the details.
Answer
Breakdown and details of what? You didn't say that part. How much it will cost? Forget it. This place isn't an insurance company website, so you can't get an accurate quote here. You have to contact an insurance provider (online, on phone, whatever) and get an actual quote for that info. Then you have to contact another and then another so you can compare the prices.
You just want to know what all that stupid-sounding coverage is on the policy? I can help with that, but it won't be in great detail. Here's a breakdown of the coverage you can buy...
Liability: Covers loss or damage to other people and their property that your vehicle causes. This is the stuff you're required by law to have.
Accident Benefits: This covers your injuries, medical bills, lost income etc. if you're hurt in an accident, even if the accident was your fault. It goes by many different names depending on where you live.
Uninsured Motorist: Covers your damage if the other vehicle is at fault but has no insurance.
Collision: Covers your vehicle for at-fault accidents, hit and run damage, and the vehicle spontaneously flipping over.
Comprehensive: Covers your vehicle for 'non-accident' damage like fire, theft, lightning, falling objects, hail, and other stuff. Always look up the list of what is and isn't included.
Loss Of Use: Covers the cost of a rental if your vehicle is in the shop due to an insurance claim.
There you go, that's a very basic rundown of the very basics. You'll still need to look into things like limits, deductibles, conditions and exclusions yourself, and there are a few possible options I didn't even mention, but that's how the coverages under your policy work in layman's terms.
Breakdown and details of what? You didn't say that part. How much it will cost? Forget it. This place isn't an insurance company website, so you can't get an accurate quote here. You have to contact an insurance provider (online, on phone, whatever) and get an actual quote for that info. Then you have to contact another and then another so you can compare the prices.
You just want to know what all that stupid-sounding coverage is on the policy? I can help with that, but it won't be in great detail. Here's a breakdown of the coverage you can buy...
Liability: Covers loss or damage to other people and their property that your vehicle causes. This is the stuff you're required by law to have.
Accident Benefits: This covers your injuries, medical bills, lost income etc. if you're hurt in an accident, even if the accident was your fault. It goes by many different names depending on where you live.
Uninsured Motorist: Covers your damage if the other vehicle is at fault but has no insurance.
Collision: Covers your vehicle for at-fault accidents, hit and run damage, and the vehicle spontaneously flipping over.
Comprehensive: Covers your vehicle for 'non-accident' damage like fire, theft, lightning, falling objects, hail, and other stuff. Always look up the list of what is and isn't included.
Loss Of Use: Covers the cost of a rental if your vehicle is in the shop due to an insurance claim.
There you go, that's a very basic rundown of the very basics. You'll still need to look into things like limits, deductibles, conditions and exclusions yourself, and there are a few possible options I didn't even mention, but that's how the coverages under your policy work in layman's terms.
What's the cheapest or the average cost of car insurance?
Kay
Im turning 16 this coming november and im gonna use my sister's car; but its a 2 door car, which is considered a sports car and Im under 18. And everyone is telling me that the insurance is gonna be really expensive. Does anyone know what the cheaptest cost or car insurance is gonna be or atleast the averge cost.
And do you pay monthly?
I only have to pay 2000 for the car to come from texas to california but thats not what my mom is worried about. its the car insurance; so please help me. Thanks.
Answer
Easiest way to find out is just get some quotes. I suggest going to Progressive.com and compare them. I doubt your insurance will be too expensive unless you get full coverage. Getting the state requirements and liability insurance will be your best bet.
Also make sure you dont get any traffic violations or wrecks and if you do make sure you get a lawyer because those things are what really jacks up your insurance.
You may also be eligible for certain discounts if you are a student and have taken a driving education class.
Last but not least when you do pick an insurance company be sure you stay with them. Because the longer you work with a certain company the more they will work with you on lower rates in the future.
Easiest way to find out is just get some quotes. I suggest going to Progressive.com and compare them. I doubt your insurance will be too expensive unless you get full coverage. Getting the state requirements and liability insurance will be your best bet.
Also make sure you dont get any traffic violations or wrecks and if you do make sure you get a lawyer because those things are what really jacks up your insurance.
You may also be eligible for certain discounts if you are a student and have taken a driving education class.
Last but not least when you do pick an insurance company be sure you stay with them. Because the longer you work with a certain company the more they will work with you on lower rates in the future.
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