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Types of Car Insurance

What is car insurance

Car insurance is a contract between you and an insurance company that provides financial protection after an accident and when your car is damaged by other means, for instance from severe weather. The contract outlines how much the insurance company pays out for vehicle repairs and medical bills.

Insurance is always to take care of uncertainty. But here we will provide you complete and unbiased information to take buying decision with certainty.

Car insurance policies have lots of factors. Insurance is regulated at the state level, and laws on required coverage and auto insurance pricing are different in every state. Insurance companies take into account many different factors, including the state and area where you live, as well as your gender, age, driving history, and the level of coverage you’d like to have.
Types of car insuranceCar insurance is made up of several different types of coverages. Its necessary to understand how accidents, injuries and damages are covered under each type of car insurance. It is also important to know how each type of coverages shield drivers from having to pay for repairs and medical bills. You can also learn about special types of policies, including non-owners and SR-22 certificates.Liability car insurance

In most states Liability Car Insurance is mandatory as per law and drivers have to buy two types of Liability Car Insurance coverage in order to operate a vehicle on the roadway.

  • Bodily Injury Liability Car Insurance : It covers the medical bills of individuals who are found liable for injuring with your car.  
  • Property damage liability car insurance : It  covers repair or replacement of cars or any other property that you have damaged with your car.

Liability Car Insurance ( Bodily Injury Liability ) pays up to your policy limits.The payment includes for injuries or death of the policyholder or other drivers covered by the car insurance policy, who are responsible for ,after a motor vehicle accident.

Jobs & career

Here you will get latest information on jobs & career in car insurance field. We will get you updates from media and latest buzz.

we will also get you information regarding job opportunities present in car insurance sector.

This complete feature will be introduced soon. ( May be from around August 2020 ).

What is Collision Insurance ?

Collision Insurance is a coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. If you’re leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.

WHAT DOES COLLISION INSURANCE COVER?

Collision insurance helps pay to repair or replace your vehicle if it’s damaged from:

Car Insurance quotes

What is Collision Insurance ?

Collision Insurance is a coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. If you’re leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.

WHAT DOES COLLISION INSURANCE COVER?

Collision insurance helps pay to repair or replace your vehicle if it’s damaged from:

  • A collision with another vehicle
  • A collision with an object, such as a fence or tree
  • A single-car accident that involves rolling or falling over

WHAT IS NOT COVERED BY COLLISION INSURANCE?

Collision insurance does not cover:

  • Damage to your vehicle not related to driving (examples: hail or theft)
  • Damage to another person’s vehicle
  • Medical bills (yours or another person’s)
  • Car Insurance Quotes 
  • A CAR INSURANCE QUOTE is an estimate provided by an insurance company detailing how much you can expect to pay for an insurance policy.
  • A CAR INSURANCE RATE is the amount you pay for an auto insurance policy over a certain period of time. The rate is affected by the coverages you choose and some other auto-related factors, such as your driving record.

Comparing car insurance rates can be a good way to assess if you’re getting the most value for your money. The car insurance quotes can differ by hundreds of dollars among insurance companies. When shopping for car insurance, it’s important to understand the difference between car insurances quotes and rates. Comparing car insurance quotes from multiple companies is one of the most effective ways to save money. Compare quotes from multiple companies, for the same amount of coverage . This will help you to confirm that you are getting the most affordable rate for your driver profile.

Car Insurance calculatorCalculate car insurance premium on your own and make an informed and prudent decision. 

Car insurance is an ever-changing, dynamic negotiation between the insurance companies and car owners .There are many factors that make up your driver profile, the features of the car you drive and the personal information that could affect your car insurance premiums. The terms of the policy can vary as per the insurance company. There can be difference in car insurance premium by hundreds of dollars.

So, you need to do a little comparison shopping when it comes to your car insurance policy. You have to make decision after considering several quotes, rates products and coverage options.

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