Will my car insurance pay to replace a car seat?

For the most part, only items that are permanently installed in your vehicle are covered under the auto insurance coverage. After-market stereos, GPS systems, luggage and bike racks are all excluded under most policies. One notable exception to this rule is child car seats, which are generally protected against damage by all insurance policies. If…

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Will car insurance cover my custom vehicle?

People customize their automobiles for many reasons. They may add ground effects and hydraulics to make the vehicle more attractive, or they might install modifications that will improve the car’s performance. Others might need to customize a vehicle to accommodate a driver with disabilities. Whatever the reason behind a customized vehicle, these modifications raise important…

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Why do I need car insurance?

If you have a car, you need auto insurance. Since the expense cannot be avoided, it’s important to do some research to understand exactly how much insurance you need and how to select the best insurance company. By taking the time to understand what insurance is, how it works and what to look for when…

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Can I buy car insurance with a low down payment?

There are many expenses that can be cut from your monthly budget in order to save money. Some bills, however, must be paid and cannot be avoided. Car insurance is one such bill. If you own or drive a car, you must carry insurance according to state laws. Fortunately, it is possible to purchase affordable…

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Will my car insurance work in a different state?

Auto insurance laws vary from one state to the next, and sufficient coverage in one area may not be enough in another. This is why it’s important to speak with your insurance agent prior to moving to a new state; the agent will be able to help you update your policy to match the needs…

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When do I need a Commercial Auto Insurance Policy?

For most people, a private auto insurance policy is sufficient. Some individuals, however, may be in a position that cannot be covered by private insurance, and they may not know it. If you get into an accident while engaging in commercial behaviors, your auto insurer may deny the claim, and you will be responsible for…

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Are Red Cars More Expensive to Insure?

In addition to a person’s driving history, auto insurance companies assess numerous factors when determining the cost of premiums. A driver’s age, gender, credit score and marital status all affect the cost of insurance. Similarly, the type of car a person drives also plays a large role in setting the price of premiums. One common…

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Can I change my car insurance before a vacation?

For many people, summertime means family road trips. While exploring the country in a car is an age-old tradition and a valuable way to spend time together as a family, it also presents an increased risk of car accidents due to unfamiliar roads and long hours behind the wheel. Getting into a car accident is…

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Will car insurance cover my dog?

For some people, dogs are furry family members. They come on vacations and tag along when their owners run errands, and for some pets, car rides are the highlight of their day. Unfortunately, cars can pose a serious health risk to pets. Even a fairly minor accident can cause a dog to be knocked around…

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Do Poor People Pay More for Insurance?

Auto insurance is one of the unavoidable expenses of adulthood. While you can cut your cable bill, cancel magazine subscriptions and choose to buy in cash to avoid credit cards, you cannot avoid car insurance unless you choose not to own a vehicle. Because most people rely on vehicles to get them to and from…

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