Car Insurance, Totaled Vehicles and You

So you been in a bad one and hopefully walked away whole, but your vehicle is no longer road-worthy. But is it “Totaled”? How does the automobile insurance company decide if the remains are a totaled vehicle?

It’s this simple; if the cost of repairing the vehicle exceeds its value, the insurance company will declare your car totaled. Under normal circumstances you will then receive a cash settlement.

The downside of this arrangement is that even minor damages might be enough to total an old or cheap car, yet major damages might not total a more expensive model of vehicle.

So how much money can you expect to receive for your totaled vehicle? That depends on the policy, but generally the insurance company has an obligation to make sure you’re left in roughly the same financial state you were in previous to the accident. Basically you can expect a check for the cash value of the vehicle (minus any deductible on your auto insurance policy).

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Insurance for Your 1st Car

When you’re buying your 1st car you have to sift through many insurance companies to find a good one. Shopping around is essential to saving time and money. Looking for online car insurance quotes to compare multiple companies and rates at once is one of the most effective ways to do this, so you’re already on the right track.

By comparing premiums offered by various companies you can find the highest customer-service standards and financial stability. You want to find companies with the ability to pay your claim promptly if you're involved in an accident. It’s advisable to cross-reference resources in state insurance bureaus and consumer reference guides when researching insurance companies.

You should search for discount car insurance quotes, since you qualify for benefits depending on your situation. Auto Insurance discounts include multi-car and/or multi-driver discounts, multiple policy discounts for those purchasing auto insurance coverage through the same insurer that covers their homeowners or renters insurance and discounts for those with safe driving records.

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Help for Confused Car Insurance Seekers in Automotive Land: Part II

Fear not confused insurance seekers! We can help you get the straight poop on automobile insurance before you start looking for your online car insurance quotes.

There is a popular belief that the color of a car affects the owner’s car insurance rate. This is untrue. What does influence the rate is the vehicle's year, make, model, body type, engine size, as well as the policyholder’s credit history and driving record.

Other people believe that men under 25 years old automatically pay more than women of the same age. Pardon my French, but poppycock! In fact teenagers and older adults pay more for auto insurance, regardless of sex, because these age groups are statistically more likely to get into an automobile accident.

Always remember that your car is your responsibility; if you lend your car to a friend and there is an accident, even though you weren't present, it will still affect your insurance record and your insurance premium may go up.

Many drivers also don’t realize that auto insurance companies take credit score into account when deciding to increase or renew auto insurance coverage.

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Help for Confused Car Insurance Seekers in Automotive Land: Part I

There are many myths and misnomers in the Auto Insurance quotes world. It can be pretty overwhelming for confused insurance seekers. For starters, there’s a lot of confusing Auto Insurance terminology. It might be helpful to separate the factual wheat from the factoid chaff.

No-fault Insurance, for example, means that the insurance company pays for any accidental damage no matter who's at fault, not than no one actually is at fault. Similarly, Car Towing Insurance doesn’t pay when your car gets towed, from, say a handicapped spot; it’s for breakdowns and emergencies only. And finally, Personal insurance does not, in fact, cover your person, enabling you to drive insured in any vehicle; instead it covers your own car and other vehicle you specifically extend your auto insurance coverage to. In the same vein, if you use your own car for business purposes you need extend your personal car insurance to cover its business use too.

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Welcome to Insurance Quotes

insurance-quotes4u.blogspot.com is happy to help you find affordable auto insurance quotes that are perfect for your budget. We’re fast, accurate and easy to use, so you don’t have to spend time you don’t have finding cheap car insurance quotes. Just follow the instructions and we’ll get the best car insurance quotes in the U.S.; it’s that simple! Try us out and you’ll find Carinsurance-quotes.biz is the only online car insurance quotes resource you’ll ever need.

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