Can my auto insurance policies overlap?

Through simple human error, you may wind up having auto insurance coverage through two companies at the same time, or maybe you wanted to be doubly insured and decided to take out two insurance policies on your car to get the best coverage possible. Can you have your auto insurance overlap? Although it may be…

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How to Buy a Car Without Auto Insurance in 2024

Can I buy a car without auto insurance? The answer is usually no. You need to instantly buy auto insurance before buying a car. Do you need proof of insurance to buy a car? A dealership may prevent you from buying a car without auto insurance and won’t allow you to leave their lot with…

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What does an auto insurance policy look like?

All auto insurance policies share some similarities. Most policies include the name of the insurance carrier, your policy number, the expiration date, personal information, the lien holder, a vehicle description, two signatures, coverage details, the premium amount, and riders or exclusions. These are all factors to consider when you manage your car insurance policy. Generally,…

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Auto Insurance Binder Letter Defined (2024)

An auto insurance binder letter offers proof of insurance while you wait for the underwriting process before your policy is active. An insurance binder may also be called an insurance policy binder, title binder, interim binder, or insurance card. Read More: How to Print Proof of Insurance From Your Online Account Usually, after buying cheap auto…

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Is Motor Club of America auto insurance?

Services like the Motor Club of America can be helpful to drivers. They offer various benefits to drivers to assist with problems you could encounter on the road. For more information, read this National Motor Club Auto Insurance Company review. However, the Motor Club of America does not provide car insurance. Services like the MCA…

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How long do you keep auto insurance statements?

Perhaps you are tired of the excess paperwork in your home or office and wonder, “Should I save insurance statements?” There is no right or wrong answer. For example, you may keep the car insurance statements for years and not need any of them. Then again, you may get rid of your insurance paperwork and…

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Who is covered on my auto insurance?

When you buy auto insurance, it’s fair to assume that only yourself and other drivers you’ve listed on the policy are covered to drive your cars. There may come a time where a friend may need to borrow your car or a family member from out of town will take the car for errands. Simply…

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When does my auto insurance renew? (2024)

If you’re wondering when your auto insurance renews and how the auto insurance renewal process works, we’re here to help. Standard car insurance policies only last 6 months or 12 months at a time. During this time, premiums remain the same until the term passes unless you change drivers, vehicles, locations, or coverages. It’s not…

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Delaware Auto Insurance (2024)

Most drivers can find cheap auto insurance in Delaware by comparing the best auto insurance companies and keeping clean driving records. However, it may be more difficult for some drivers to find cheap Delaware auto insurance if they have poor driving records or live in one of the more expensive Delaware cities for insurance. Keep…

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Do all cars need a required amount of auto insurance coverage?

From the time the automobile was invented, drivers have had to deal with the risk of accidents. It soon became clear that the statutes requiring at-fault parties to assume financial responsibility for damages they caused were not adequate to address automobile accidents. Individual states began enacting laws that required drivers to prove they had the…

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Does auto insurance cover private property?

If you’ve had a car accident on private property, you may be worried that your car insurance won’t cover it. How should you handle a situation like this? Read on to learn how to deal with car insurance claims for accidents on private property. You don’t want to get into an accident without the right…

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Auto Insurance for Supercars (2024)

The definition of an exotic auto depends on the height and weight of the vehicle, and its race-quality performance, which includes 500 horsepower or more. However, what defines a supercar are the number of cylinders and the horsepower of its engine. Insurance companies will consider all of this and the make and model of your…

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Can someone file a claim on your auto insurance without you knowing?

Getting into a car accident can be incredibly stressful, and it can be worse if you’re worried that another party is planning on making a claim against your car insurance. Perhaps not as stressful as needing to settle a claim without insurance whatsoever, but that doesn’t happen as often. The good news is that you…

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When should I drop my full coverage auto insurance?

You’re required by state law to carry auto insurance, but there’s no vehicle code that says that you must buy insurance that protects your vehicle. Instead, state auto insurance requirements indicate that vehicle owners must carry third-party liability in the case of an accident. Since the state is only concerned with liability coverage, you’re left…

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Can you view your auto insurance policy online?

The Internet has changed the way that modern people live their lives. While some complain that the worldwide web and all of the mobile-ready devices that people have consumed the average person’s life in a negative way, there’s no denying the fact that the ability to shop and conduct business online has made life easier….

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How to Get Instant Proof of Your Auto Insurance Policy Online in 2024

Proof of insurance is a very important document. Today, buy and print auto insurance simplifies proof of insurance. An increasing number of consumers are comparing and buying automobile insurance online to find cheap auto insurance, as their insurance companies are allowing them to print an auto insurance certificate online right off of the website. Online…

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Do you need proof of insurance to transfer a car title?

If you need to complete a car title transfer, you might be wondering if you need insurance to switch the title over. The answer depends on where you live. However, having full coverage has numerous benefits and may be required by other institutions, such as your lender.  This article will explain the vehicle title transfer…

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Can I use a P.O. Box for my auto insurance?

There are plenty of legitimate reasons individuals use a PO box for mail. However, drivers must know insurance companies will not permit consumers to use a PO box for car insurance rates. A PO box address lacks the necessary information that a physical address provides. Simply put, most auto insurance companies require knowledge of the…

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Can I get auto insurance if I owe another company?

A common question is “Can I get car insurance if I owe another company?” The answer is yes, you can switch companies while still owing another company. If you are worried about owing money to an insurance company, it’s probably not as bad as you think.  Switching insurance providers is a smart move when you’re…

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Best Auto Insurance for Drivers With Epilepsy (2024)

Auto insurance quotes are based on individual circumstances except for disability and medical conditions. Insurers are not allowed to hike your rates because you suffer from a condition, meaning epilepsy car insurance coverage cannot be higher than traditional rates. However, they may ask you to present specific documents such as the following: DMV confirmation letter…

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Can I transfer my auto insurance to another person?

All states in the US require citizens to carry some form of car insurance when they drive; it is illegal to drive without the minimum level of liability requirement pretty much everywhere in the world. There are several circumstances that might call for the transfer of auto insurance from one person to another in the…

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Do I have to declare speeding points on my insurance?

A single speeding violation can increase your insurance premiums. A small lapse in judgment could be the difference between a good driver’s discount and paying a surcharge. Drivers with just one speeding ticket end up paying $45.46 per month more in auto insurance premiums  You got a speeding ticket, do you have to inform your…

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Can I pay off my auto insurance early?

When you apply for insurance, you’re agreeing to pay your premiums in exchange for financial protection after you have a covered loss. If you don’t pay the premiums, the insurer you’re doing business with isn’t obligated to pay out your benefits. That’s why it’s best that you pay as much as you can early on…

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Auto Insurance Policyholder Defined (2024)

The policyholder is the person who owns a car insurance policy. The named driver is always liable for paying the bills for the car insurance coverage and must verify any changes to the policy before they can go into effect. Some policies may have more than one owner, which is often the situation for a…

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Can you change the date your auto insurance is due?

Auto insurance is necessary, but it can be daunting to pay an auto insurance premium month after month. In addition, when all your other bills come in simultaneously, it may be easy to miss a payment or simply not have the funds to pay what you owe. Unfortunately, if you miss a car insurance payment,…

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Cheap 6-Month Auto Insurance in 2024 (Save Big With These 8 Companies!)

USAA, Geico, and State Farm have cheap 6-month auto insurance rates for most drivers. Because USAA is for military and veterans, however, most drivers must shop at Geico and State Farm. Not sure where to start? We recommend shopping around at the cheapest auto insurance companies listed below. Read through our brief guide all about…

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Does damage to a parked car cause insurance rate increases?

Damage to a parked car can cause insurance rate increases if you have to file a claim on your uninsured/underinsured (UM/UIM) motorist coverage. However, this only applies if it was a hit-and-run or the other driver has inadequate or no insurance. The at-fault driver’s liability auto insurance will pay your damages if you locate them….

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Does your car need to be registered to get auto insurance? (2024)

Can you get car insurance without registration? Insurers won’t require registration to sell you policies, especially for non-operational storage, pending sales, or new car purchases. While auto insurance policyholders can get temporary coverage to drive their newly purchased car home, they’ll eventually need a policy meeting their state’s minimum car insurance requirements since driving without insurance is illegal. We’ll…

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Why are there so many auto insurance commercials?

If you have noticed an endless amount of auto insurance commercials on television, you are certainly not alone. No matter what part of the country you live in, car insurance companies are working in overdrive to either maintain or get your business. The impetus behind all of the major insurance companies getting on board with…

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What happens to an auto insurance policy when someone dies?

If you have recently lost a loved one and you are dealing with the necessary paperwork, you will also need to sort out car insurance after the death of the owner.  When someone passes away their auto insurance needs to be canceled, but this is not an automatic process. The steps involved will depend on…

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Does auto insurance cover broken car windows?

If you wake up one morning to find that someone has broken into your car through a side window, one of your first worries will be the expense of fixing the damage. You may wonder if car insurance covers broken windows. Read on to learn how it works. Compare coverage options with many companies side-by-side….

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How to Get an Auto Insurance Quote Without a Car in 2024

There are plenty of reasons that you may want to get an auto insurance quote without actually owning a car. If you travel frequently, this is a good option for someone who drives many rental cars. In addition, if you find that you frequently borrow other people’s vehicles to run errands because you do not…

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Can you have two auto insurance policies?

Almost everyone knows that you have to have auto insurance to legally drive a car. If you are caught driving without insurance, you could face heavy fines, court costs, and even jail time. But can you have two auto insurance policies simultaneously for even more protection? While there is no law against having two policies…

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What to Do if You Can’t Pay Your Auto Insurance (2024)

What happens if you don’t pay car insurance premiums? If you can’t pay for your car insurance, problems can arise at even the best companies for affordable insurance. Consequences range from canceled insurance coverage and increased rates to illegally going without insurance. If you can’t pay for your next car payment or have already missed…

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What do the three numbers on auto insurance mean?

If you’re not in the auto insurance industry, understanding your contract and finding coverage limits on car insurance can be tricky. But what if you don’t understand car insurance numbers? Insurance policies within the same company are pretty standard. However, some policies might have endorsements that remove or add coverage. But even with endorsements, the…

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How often is auto insurance paid?

When it comes to insurance payments, there are several options available to you. In the past, insurance had to be pre-paid for a six-month or one-year term, but companies started offering monthly auto insurance rates that are easier on tight budgets. However, taking advantage of the monthly options can lead to higher fees. Here’s what…

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When does my auto insurance begin?

All states require a certain amount of car insurance before you can drive legally. This is because you must maintain financial responsibility for any car accidents you cause. In the state of California, for example, you must have a policy that covers up to $15,000 in personal injury for one person, $30,000 for multiple people…

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Do mid-contract changes affect auto insurance rates? (2024)

Can car insurance go up mid-policy? Yes, if you have filed multiple claims or received a traffic violation, your car insurance can go up mid-policy due to the increased risk you pose to the insurance company. The best auto insurance companies are bound by the terms of their policyholders’ contracts. Legally, they can only adjust…

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Best Commercial Auto Insurance Companies (2024)

Commercial auto insurance providers know that your business cannot move forward without properly insured vehicles. They know that you count on auto insurance for those vehicles for tasks of the highest importance, such as mobility for delivery of products or transporting your employees and guests to those necessary destinations that keep you in business. Hazardous…

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What does standard auto insurance cover?

The best auto insurance companies offer policies in adherence with each state DMV. All drivers must carry automobile insurance to comply with state auto insurance laws. But what does standard auto insurance cover? Standard types of auto insurance provide personal liability coverage after an accident to pay for damages you cause. Full coverage auto insurance…

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Do all auto insurance companies offer the same thing?

Car insurance companies may all blend together from a distance, and it’s true that, at some level, they all offer the same thing: car insurance. But each car insurance company takes a unique approach to the way that they offer this essential service, with different discounts, different ways of pricing their services, and different approaches…

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Does cheap no-fault auto insurance exist? (2024)

If you live in one of the 12 no-fault states, auto insurance laws require you to purchase additional coverage limits beyond traditional liability policies, like personal injury protection (PIP). Fortunately, cheap no-fault auto insurance does exist, and our guide will help you find it. Nationally, personal injury protection (PIP) auto insurance coverage costs around $175…

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Is not having auto insurance a criminal offense?

Driving without insurance is a civil offense depending on what happens during the course of your driving. Some circumstances, however, can change the offense from civil to criminal. The consequences of driving without auto insurance vary according to state auto insurance laws. Punishment can be as minor as receiving a ticket or as serious as…

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When did auto insurance become mandatory?

Americans have been using cars since the early 20th century. The launch of Ford’s Model T democratized the automobile in the U.S., and the rising popularity of cars meant a rise in car accidents. Lawmakers then had to answer the question, who should pay for these losses?  This is when auto insurance came into play….

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Should I pay my auto insurance in full?

Sometimes acquiring auto insurance can be confusing, especially when it comes to things like deciding when the insured has to have a paid-in-full auto insurance policy. That’s because payment plans and options vary from one auto insurance company to the next. Not only that, but courts can impose certain restrictions on drivers who have a…

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How to Handle Returned Payment and Canceled Auto Insurance in 2024

Read more: How to Get an Electronic Automatic Billing Auto Insurance Discount Choosing to have your auto insurance payments deducted automatically is convenient. However, occasionally system glitches or human errors result in your payment not going through. If you have a failed auto-draft payment, your insurance company might cancel your policy. If this happens, you…

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How to Choose an Auto Insurance Policy in 2024

When choosing an auto insurance company, the goal is to see past the gimmicks to the real information that will help you make this important decision. By doing a little research, and knowing what to look for, you’ll be able to find a company you can feel confident about. If you watch any television or…

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