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Top 10 Most Stolen Vehicles in the United States – 2016

Click here for data tables, here for interactive maps, and here for the most recent data.In 2014, approximately 689,527 … [continue...]


Worst States for Traffic-Related Fatalities – 2016

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Things to remember...
  • Newer cars come with higher insurance rates than older ones, but newer models might be able to access unique discounts
  • Owners of older, low-resale-value cars might opt to drop collision and comprehensive insurance
  • Certain factors outside of the year of the car could raise insurance rates

Auto insurance companies do not look at one or two factors when quoting an insurance premium rate. Anyone who previously filled out an application for an auto insurance quote knows the company’s representative is going to ask a significant number of questions.

A buyer intending to review several quotes does so with the purpose of acquiring an excellent insurance policy. The numerous answers to a variety of questions play a role in receiving competitive quotes on insurance premiums.

Certain questions really should be expected. A person should expect inquiries about the following:

Applicants might still be worried about seemingly innocuous factors that could drive up the cost of insurance. The year the car was manufactured may be one of those factors. So, does the age of a car automatically lead to higher insurance rates?

Compare car insurance quotes right here to find the best rate for the coverage you need.

New Cars and Insurance Rates


The year a vehicle was made can impact auto insurance rates, but not necessarily in a harsh way. A new car is likely to come with a costlier premium, but not an outright punitive one.

In general, newer cars are going to be more costly to insure than would be the case with an older model.

If a vehicle that was two years old was totaled in an accident, the insurance company may be required to pay, say, $27,000 to cover the total loss of a brand new car.

The total loss on a used car with a resale value of only $2,500 is obviously less costly to insurance companies.

Interestingly, a newer model may be able to benefit somewhat from its age since an insurance provider might actually issue a new car discount.

New cars are often manufactured with modernized features capable of enhancing safety or preventing theft such as the following:

  • airbags
  • anti-lock brakes
  • car alarms are standard features in vehicles

Car manufacturers are always testing and improving design and engineering capabilities. A new car with added safety and security features appeals to insurance carriers so discounts may be made available.

An available discount could even be quite generous. Drivers appreciate discounts that save them money.

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Older Cars and Insurance

Purchasing a new or newer vehicle to replace an older one is not always an option for those on a limited budget.

Replacing an older vehicle may not even be necessary as long as the car runs reliably well. And yes, the benefit of older cars not being too expensive to insure is a plus.

Cutting back on certain “add-on insurances” is also an option with older vehicles.

With older cars, there may be a decision made to eliminate two very common categories of insurance associated with newer cars:

  • comprehensive
  • collision

The former covers a variety of non-maintenance and non-accident perils that could cause damage to a vehicle. The latter covers repairs to the driver’s car when he or she is responsible for an accident. Both of these categories come with deductibles.

A $500 deductible is not uncommon although going higher is possible.

With older cars, the resale value diminishes so there is less of a need for both categories of insurance.

Both could be helpful since they would cover possible damages, but someone who never previously filed claims under these types of coverage might be less inclined to pay hundreds of dollars a year for non-liability protections on an older, low-valued vehicle.

That said, if the old car is totaled, a lack of comprehensive or collision insurance means the driver is stuck carrying the loss on his/her shoulders.

On the end of the spectrum, someone with an older car might choose to increase liability insurance limits. Older cars may suffer mechanical and age-related issues when driving. Upping liability coverage could be worth it to drivers of older cars.

Non-Age Factors


Whether the vehicle is old or new, certain factors are known to drive up rates.

A sports car comes with higher rates since the chances of the driver hitting higher rates of speed increase. The age of the driver may mean a lot more than the age of the car as well.

Younger drivers, much to their chagrin, are commonly required to pay more for their vehicle insurance. show those under the age of 25 are at a higher risk for getting into an accident.

Sports car and younger drivers should not think purchasing options are strictly limited, though. Comparison shopping can do a lot towards finding less-costly vehicle insurance.

Comparison shop today to find the coverage that’s right for you. Enter your zip code below to get started.

Things to remember...
  • The type of profession you are in and its description will affect your auto insurance rates
  • People whose occupations fall within the realm of the entertainment industry are likely to get higher quotes as compared to people in other professions
  • There is a group of car insurance companies that provide specialized auto insurance products for entertainers
  • As a professional entertainer, you need to be specific on the type of coverage you need for your vehicle
  • Expect your auto insurance rate to be a tad higher if you are a frequent traveler and you plan to use the vehicle for your professional activities
Entertainers bring joy to people. It doesn’t matter what you do, every form of entertainment has its enthusiasts. You could be a musician, comedian, DJ, or an actor. Entertainers know how to get a party started and that’s why we love them.

Entertainers perform their arts in different parts of the country and sometimes even abroad, and they need to get to these venues somehow.

If as an entertainer, your primary means of transport is by road, you need to carry some special form of car insurance beyond the basic coverage. Anything could happen, whether on the road or within the venues.

While shopping for insurance products for your car, be sure to approach several insurance providers and compare as many online quotes as you can to obtain a better deal.

Use our free comparison tool to find insurance today!

Essential Coverage


– Equipment

Most auto insurance coverage for entertainers will not include any type of equipment in a standard coverage unless you have discussed this with your insurer before purchasing the policy.

The insurer will then incorporate the equipment into the coverage and adjust premiums accordingly.

Even in that case, it’s unlikely that the insurance provider will fully reimburse your damaged equipment in the event of an accident.

– Liability Coverage

Entertainers often rent vehicles or tour buses while on tour. In some instances, you may decide to use your own vehicle if you are touring locally.

What happens if you cause an accident that results in damage to other people’s property or bodily injuries? You need to carry sufficient amount of auto insurance on the road in case of an accident in either of the above situations.

Borrowed or rented vehicles can be covered by non-owned and hired auto policies. On the other hand, you should make sure that you carry enough liability coverage for your personal car if you decide to go on tour with it.

Local bands tend to use personal vehicles when the go on tour since tour buses can be a little expensive for some entertainers. Entertainers who use rented tour buses when they go to perform should purchase non-owned and hired auto policies.

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– Collision and Comprehensive Coverage

Collision coverage will protect you from financial losses in the event of a head-on crash with another vehicle or if you happen to crash into an object on the side of the road, say a tree.

Comprehensive coverage, on the other hand, mitigates the financial burden of having to repair or replace your car in the event of a non-collision related occurrence such as fire, vandalism, or natural disasters.

Comprehensive coverage will also reimburse your vehicle’s market value in case it’s stolen.

– Breakdown and Recovery Services

Automotive rescue and recovery services are critical for any entertainer who uses his/her car to move from one gig to the next.

Getting involved in an accident or having a mechanical problem could easily translate to the cancellation of a show.

You will disappoint your fans and lose money at the same time if you don’t have proper strategies of getting out of such information.

Having a tow service in place could really come in handy in such a situation unless you are sufficiently knowledgeable in mechanics and have the right tools to fix your own car.

The Cost of Auto Insurance for Entertainers


Entertainers attract higher rates than people in other professions. Insurance companies use their models to determine the rates for certain pool of customers based on historical statistics, the probability of a claim, as well as the payout amounts.

The high likelihood of an entertainer filing a claim is as a result of:

  • Regularly visiting and parking for long hours in alcohol serving premises
  • Traveling in groups. In the case of an accident, other vehicle occupants may decide to sue for compensation for damaged property or bodily injuries
  • Driving at night and for long distances
  • Most individuals in the entertainment industry are perceived to be high-risk drivers

Many insurance companies will give you a higher quote if your line of work falls within the bounds of the entertainment industry. That does not mean that you can’t get a more pocket-friendly quote if you look harder.

Look at multiple auto insurers and compare the quotes you get until you find one that’s suitable for you.

Use our online tool to get your quotes. All you have to do is enter your zip code and get your quote.

Things to remember...
  • Auto insurance rates are based on a driver’s age or how long they have been driving in the US
  • In most areas, insurance companies will assign high-risk rates to drivers who are under the age of 25
  • It’s typical for male drivers who are between the ages of 16 and 19 to pay the highest premiums out of all drivers
  • If you’re 20 and you already have three to four years of driving experience, you could get a Good Driver Discount
  • It’s often more affordable for young drivers to stay on their parents’ insurance for as long as they can

Twenty-year-old drivers may not be in their teens anymore, but they certainly wouldn’t know it when they get quotes for their own auto insurance policies. Auto insurance is one of the fee things that you’ll buy in life that has an age-based pricing system.

In your early 20’s, you have very little driving experience. This leaves insurers with very little to assess when they are trying to determine if someone is a safe driver or a risky driver.

You must always start by determining how much insurance you need. Then, after you know your needs, you can start to focus on choosing the right insurer and building a policy that fits your budget.

Enter your zip code above to find the best car insurance rates in your area today!

When is buying coverage mandatory?


Buying insurance isn’t something you can put off for very long. If you want to own a vehicle, you’re going to have to buy at least some insurance on the car as soon as you become the owner.

Since 49 of the states in the country have very strict mandatory insurance or financial responsibility laws, you’ll have to familiarize yourself with the law.

Anyone who is buying their first car in their late teens and their early 20’s needs to learn about the mandatory motor vehicle insurance laws so that they are ready to shop for coverage as soon as they start shopping for a vehicle.

The problem with brushing up on laws is that you need to know where you’ll be living because every state has its own coverage requirements.

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What type of coverage do you have to have by law?

If you’re wondering how much coverage you’re going to have to have when you buy insurance, there’s not one single way to answer this. If you’re living in a tort state with a very low-limit requirement, you might only need liability coverage. In these states, the average premiums are low.

There are states where average premiums are much higher simply because all of the residents must carry more coverage at higher limits. This usually happens in a no-fault state where you’re required to buy coverage for yourself.

The most common requirements include:

  • Bodily Injury Liability – will pay when you’re liable for injuries to others in an auto-related accident
  • Property Damage Liability – will pay when you’re liable for damage to someone else’s property in an auto-related accident
  • Medical Payments – will pay for your own immediate and reasonable medical expenses after you’re injured in an auto-related accident (only required in some tort states)
  • Uninsured Motorist Protection – will pay for your medical expenses and rehabilitation costs if you’re involved in an accident with someone who has no insurance (only required in some states)
  • Personal Injury Protection – will pay for your own medical bills, lost income, and other related expenses if you live in a no-fault state

Determining How Much Coverage You Need


When you’re only 20, it’s easy to get confused by all of the terminologies you’ll run into. You’re not going to become an expert in insurance lingo right away and many never do.

The best thing to do when you’re looking for the right level of protection is to do your research.

One of the drawbacks of high school curriculum is that there really no requirement in a place where you’re required to learn the ins and outs of insurance. You’re left fending for yourself or leaning on your parents to help you do the heavy lifting.

If you’re not sure how much coverage you’re going to need, here are a few tips that can help you:

  • Most experts recommend that all drivers carry at least $100,000 per person, $300,000 per accident, and $100,000 per accident in liability insurance to protect assets and future income
  • If you own a home or other valuable assets, you’ll need higher limits and you may need a Personal Liability Umbrella for gap protection
  • If you’re going to lease or finance a car, the finance company is going to require you to carry comprehensive and collision
  • If your vehicle is paid off and it is worth less than $2000, you may want to go without full coverage
  • For paid off cars, the common rule of thumb is to drop collision when the collision premiums are more than 10 percent of the vehicle’s value
  • Carry Uninsured Motorist Protection if you live in an area with a high rate of uninsured drivers

How much can you expect to pay for insurance at the age of 20?

Auto insurance premiums can range from very low to very high. The coverage options that you pick will dictate how much you’ll pay for your insurance in total.

Some coverage options, like Collision and Bodily Injury Liability, are highly influenced by a driver’s age in addition to their driving history.

There’s no telling how much you’ll pay for insurance when you’re shopping for a policy on your own at the age of 20. Teens that 16 to 19 pay the most for insurance, but most of the time they are on their parents’ policy until at least the age of 18. When you branch off, it’s going to cost you a lot.

In fact, rates for 20-year-olds are, on average, 41 percent higher than the rates for 30-year-old drivers if all other factors are the same.

Why is insurance so expensive for people in their 20’s?

adobestock_53522173-1600x1600You’re not in your teens anymore but that doesn’t mean that you automatically fall into a low-risk driver class. Moat insurance looks at people in the teens and early twenties as high-risk drivers.

A 20-year-old is still a high-risk driver for another five years if they were licensed in their teens. According to accident data, teens are most reckless when they are under 19 but drivers in their twenties still fall into the second-riskiest class.

Can you stay on your parents’ insurance policy to save money?

You might not have to buy your own auto insurance right away just because you’re legally an adult. If you live with your parents, you may be able to stay on your parents’ policy as a driver.

Usually, insurers will allow this when you’re in their home or you’re going to college and you’re still a dependent.If you buy your own car, it doesn’t mean that you can’t add the car to your parents’ insurance.

As long as the vehicle is registered in your name and one of your parents’ names, you will be eligible to add the policy to their plan without any issues.

Some carriers don’t even have this requirement as long as you’re a blood relative in the home.

It’s best to stick with your parents for as long as you can. When you have no other option but to buy your own insurance at 20, it’s your duty to shop around and do as much homework as you can on pricing.

You could contact all types of carriers directly or you could spend your time wisely and get online quotes all at once. Use a quoting tool, enter your information, and get directed to instant quotes.

Enter your zip code below to  find car insurance rates that work with your budget today!

Things to remember...
  • There are many different losses that your car insurance can help you recover from, typically depending on which coverage options you carry
  • Your car insurance can help you recover from pothole damage if you file a claim and carry collision coverage
  • This policy option is usually carried on your policy at the time of the incident, but this coverage will not protect you from normal wear and tear that occurs
  • Remember that you may have a deductible you are responsible for, which is a portion of the loss that you cover

Your car may be damaged by any number of road hazards; potholes are just one of the more common ones that occur.

When your car has been damaged by a pothole, you may be wondering if your car insurance can help you recover from the accident.

It’s important to remember that your policy may offer some coverage, but there are stipulations that you must meet.

To save money on car insurance, compare insurance rates now!

Do you carry collision coverage on your car insurance policy?
AdobeStock_66413216-1600x1600 (1)

One of the first things you need to take into consideration regarding pothole damage is its coverage option. Your car insurance policy is a collection of coverage options, some of which are required and others that are optional.

If you do not carry the right coverage before a loss occurs, your insurance carrier will not be required to provide any coverage for the event.

When it comes to pothole damage, carrying collision coverage will be the coverage option that comes into play. This coverage protects your vehicle in collision-related events, which includes colliding with a pothole.

If you do not carry this coverage before your car is damaged by a pothole, then you will not be covered if such an event occurs.

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How did the damage to your car occur?

Damages caused to your car during travel can be difficult to pinpoint, but there are some indicators that a pothole could be your culprit. One way your car can be damaged is when it’s too heavy for the road it’s driving on; this is not as common in passenger vehicles.

Poorly maintained roads can be another culprit of pothole damages, as these roads tend to be a pothole-friendly environment.

If you find yourself making contact with a pothole and then discovering damage to your vehicle, make sure to contact your insurance provider to discuss your options.

In some instances, having a vehicle inspection completed may help you determine if there is enough damage to warrant filing a claim.

Third-party service providers can help give you an unbiased review of your car and any potential loss, making them an excellent choice when you and your provider cannot reach an agreement.

What deductible does your collision coverage carry?


Collision coverage traditionally carries a deductible for any covered loss incident, which is an amount that the policyholder absorbs to reduce the amount the insurance provider is covering.

The deductible is also a way to help gauge if your potential claim is worth involving your insurance carrier or not. If the potential settlement amount does not exceed your deductible, then filing a claim may not be an option.

Insurance carriers often include deductibles for collision coverage due to the cost of collision-related claims, which allows the insurance carrier to offset some of the cost and reduce the amount of money they pay out for claims.

It also helps them keep their focus on claims that require their attention.

When you are purchasing your car insurance, your deductible is often agreed to at that time. It’s important to remember that you can assess your coverage needs as often as necessary, and if your current policy terms or options do not meet your requirements, you can pursue other options.

In this case, speak to your current insurance carrier. They may be able to help you find more friendly policy terms that meet your needs and their risk portfolio.

However, if they are unable to assist you, you can pursue coverage through another carrier. Make sure to speak to them about your concerns, your coverage needs, and any budget constraints.

Your Insurance Policy

Your car insurance policy exists to help you recover from losses that are unexpected and above what you can manage. Thus, normal wear and tear to your car is not an unexpected loss, but making an impact with a pothole may qualify, as long as it damages your car.

If you believe a pothole damaged your car, then filing a claim may be an option to get your car repaired.

Remember that your car insurance will only provide coverage if you carry the right coverage option, have it in place before the loss, and can determine that your damages are a covered loss.

Many times, collision coverage will carry a deductible for any covered loss, which you may need to pay up front, or it may get deducted from any claim settlement.

If you have questions about how this coverage would work for you, speak to your insurance carrier about your policy terms, coverage options, and how the claim process works.

To find a car insurance carrier for the right price, enter your zip code below!


Click here to view the interactive map and here to view the data tables.

Things to remember...
  • Ridesharing is a popular way to get around in some cities
  • Many ridesharing companies have their own rules and regulations regarding auto insurance
  • If you are a rideshare driver or are thinking about it, notify your insurance company

Transportation has always been an essential part of life. Throughout history, the modes of transportation have evolved, particularly public transportation.

Today, we have buses, subways, and taxis. And the newest addition to public transportation is ridesharing.

Ridesharing takes advantage of a major tool of the 21st century — the internet. Ridesharing services are provided through three main technologies: GPS, social networks, and smartphones.

By using a ridesharing smartphone app, riders can quickly arrange a one-time shared ride with a nearby driver.

Three companies have already made a significant mark in the world of ridesharing and are considered the best in the industry: Uber, Lyft, and Sidecar (who recently shut down).

There are plenty of perks for those looking to work for any of these rideshare companies.

A student can make some extra cash, or a parent can do the same for the holidays. Or a person may just need the extra income and have the vehicle to do so. Having flexible hours is also a major draw. A rideshare driver could also simply be an extrovert who’s not afraid to talk and enjoys the idea of sharing a ride with strangers.

Ridesharing is an appealing alternative to the age-old cab, but keep in mind that ridesharing is still fairly new and is not available in all cities and states.

If you are interested in trying out ridesharing, you can click here to see an interactive map and here to see a table of the ridesharing options available near you.

Better yet, if you already know that ridesharing is available in your area and also want to make sure you are adequately covered, start comparison shopping for insurance today! Enter your ZIP code above to compare the best auto insurance rates for ridesharing!


ridehsaring-serviceConsidering that the following two companies are the largest ridesharing service providers, this study is based on information we collected from Uber and Lyft’s city lists.

Along with other companies wanting to make a name for themselves in this business, it appears that Tesla — the company responsible for the new technology to create auto-piloted cars — has hopped on the bandwagon and has plans to break into the ridesharing market.

There used to be a question of whether ridesharing should be legalized, but thanks to state-level legislative bills most states now allow it, but not all states are onboard as of yet.

Currently, there are no state-wide level bans as Nevada recently overturned its ruling, thanks to Uber.

So far, Alaska, Wyoming, and South Dakota are excluded from the ridesharing services of Uber and Lyft for various reasons:

Though more cities are in favor of ridesharing opportunities, some cities are pushing back. Contention exists on both sides — state law and the ridesharing companies — as to what should or should not be included in ridesharing regulations.

The major cities caught in the crossfire of this debate are:

With a constant discourse concerning the laws and regulations on ridesharing, it is increasingly important that individuals understand the laws regarding auto insurance and rideshare services.

Ridesharing Companies and Their Driver Policies


Every ridesharing company must have a policy in place for every driver.

There are three possible stages for a rideshare driver during a work shift. These three stages are called Period 1, Period 2, and Period 3:

  • Period 1 – The ridesharing app is open, but the driver has not accepted a request, is not on his/her way to a passenger, and does not have a passenger in his/her car
  • Period 2 – Begins when the driver accepts a request and is on his/her way to pick someone up
  • Period 3 – Begins when his/her passenger(s) get into the car

For every period, there should be insurance coverage to protect the driver and passengers. Uber and Lyft have easily spelled out what an individual would need with regard to auto insurance coverage when considering becoming a rideshare driver.

– Lyft’s Requirements

Lyft has listed four insurance coverages included in their driver policies:

  • Contingent Liability (i.e., coverage only while waiting for a ride request)
  • Contingent Comprehensive and Collision
  • Uninsured/Underinsured Motorist
  • Primary Automobile Liability

The last three coverages are only in effect from the time a driver accepts a ride request until the time the ride has ended in the smartphone app.

– Uber’s Requirements

Uber offers an even more detailed description of which insurance coverage applies to which period. The company broke rideshare insurance into three categories:

#1 – On a Trip

Uber has a $1 million insurance policy that will cover a driver’s liability and what might happen between Point A to Point B. Uber’s insurance policy includes these three coverages:

  • $1 Million Liability – A commercial insurance policy that covers injuries or damages to third parties and their property. It protects the driver financially and takes precedence over any personal auto coverage the rideshare driver might have.
  • $1 Million Uninsured/Underinsured Motorist Injury – If another driver is at fault for a car accident and does not have adequate insurance, those who were bodily injured in the rideshare vehicle will be taken care of.
  • Contingent Collision and Comprehensive – Any physical damage that occurs during a trip is covered and is treated as long as the rideshare driver has personal collision and comprehensive coverage.

#2 – Between a Trip

Uber provides a third party liability plan that meets or exceeds the third party liability insurance requirements of every U.S. state.

The liability covers bodily injury up to $50,000 with a total of $100,000 for the accident and up to $25,000 for property damage. Technically, the coverage ratio would be listed as $50,000/$100,000/$25,000.

#3 – Offline

Since it was already established earlier that insurance is required while on a trip, a rideshare driver must have personal auto insurance and is still required to meet state regulations.

Auto Insurance for Rideshare Drivers


Every ridesharing driver needs to have auto insurance in place. If you are already driving for a ridesharing company but your insurance company does not know, you need to make your insurance provider aware. 

Click here to see the second table, which displays auto insurance companies offer Ridesharing insurance in your state!

Otherwise, there may be repercussions:

  • Your insurance provider could choose not to cover you in an accident
  • Your insurance provider could cancel your policy and refuse coverage

It’s better to be dropped from an insurance company for providing honest and accurate information about rideshare services than to keep the information from a company and then get in an accident.

Not informing your insurance company that you are a rideshare driver makes you liable for any accident-related costs.

On the other hand, if your insurance company cancels your policy due to being a ridesharing driver, you are free to find an insurance company that will provide coverage to meet your needs.

Click here to find insurance companies offering ridesharing insurance by state. Take notice, though, that some companies offer policies for only Period 1 and others offer policies from Periods 1 to 3.

A Final Word

If you are a rideshare driver or plan to be one soon, you need to inform your insurance company. That way, you have time to look for a company that will cover you as a ridesharing driver in case your current insurance company refuses to do so.

If your current insurance policy does allow for ridesharing, make sure your existing insurance policy covers the gap. If it doesn’t, find a policy that will work for you as a rideshare driver.

Start comparison shopping today for the best auto insurance rates out there for a rideshare driver. Enter your ZIP code below to get started!

Things to remember...

You never know how much auto insurance is enough. Since there’s no way of knowing when you’ll have an accident and how serious the accident will be, you can never for certain say that your coverage is sufficient.

Buying low limits of liability to save money can be a very expensive and very financially devastating mistake.

Unfortunately, carrying high liability limits on your policy doesn’t mean that you’re going to be protected all of the time. Even a high-limit auto insurance policy isn’t enough after a tragic catastrophic loss.

The only way to really feel secure when you’re driving is to buy a Personal Umbrella Policy. Let’s discuss what you must know about these supplemental policies.

If you are also looking for better auto insurance rates, start comparison shopping by entering your ZIP code above!

What does it mean when someone refers to third-party car insurance coverage?


A lot of different terms are thrown around when you’re discussing auto insurance with an agent or customer service representative.

When you’re talking about coverage requirements or components of your policy, the word third-party coverage may come up. For those who aren’t familiar with the term, third-party coverage refers to liability protection.

Third-party liability protection is the one form of coverage that’s always required when insurance is mandatory.

Liability coverage consists of Bodily Injury coverage and Property Damage coverage that pay for damages to others.

The only time that your policy will pay out for these third-party damages is when the driver in your vehicle is responsible for the incident leading to damages or injuries.

What does Bodily Injury Liability pay for?


If you’re in a multi-car accident or you hit a pedestrian, your insurer will investigate the loss and offer a settlement when you’re at least 51 percent liable.

Bodily Injury, which is also called BI, doesn’t pay for just anything. This coverage will only pay for eligible third-party expenses.

Some of the damages that are paid out under BI include:

  • Emergency medical transport
  • Medical attention at the scene of the accident
  • Hospital bills for treatment
  • Doctor bills to be treated and assessed after an accident
  • Rehabilitation costs
  • Lost income if the injured party is out of work for a specified period of time
  • Funeral expenses

What does Property Damage Liability pay for?


Property Damage Liability may help you cover the damages that you’re liable to pay for if you get into a single-car or multi-car accident. As long as you’re more than 50 percent at fault for the damages, you’re liable for paying to repair any type of property that you’ve damaged.

Some things that your PD coverage will pay for include:

  • Damages to vehicles
  • Totaled vehicles
  • Fences
  • Buildings
  • Benches
  • Light poles
  • Sheds

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How do you know what your liability limits are?

Your insurance company isn’t going to provide you unlimited protection when you’re in a crash.

The only way that a carrier can calculate your premiums is for you to choose a maximum limit of liability that you’re willing to pay for. The minimum liability limit that you choose must be equal to the state’s minimum requirements.

The mandatory limits required in each state are different. If you selected basic coverage limits, you’ll have the minimum limits and may be at risk when you get into anything but a minor accident.

To find what limits you’re currently carrying, you can reference your declarations page and see what limits are listed in the BI section and the PD section. Here’s how you should read these limits:

  • Bodily Injury Liability — limit per person, total limit per accident
  • Property Damage Liability — limit per accident or occurrence

What happens if the damages exceed your limits?


If you cause damages that exceed the limit that you’re paying for, the injured party can sue you. It’s their right to collect the difference and a judge can order that your assets be liquidated or that your wages be garnished.

You could be paying for a loss for the rest of your life if it’s serious enough.

How does a Personal Umbrella Policy help?

A Personal Umbrella Policy isn’t an auto insurance policy.

Instead, it’s a supplemental personal liability policy that provides you with extra protection in addition to the liability coverage that you’re carrying on your property insurance policies.

It’s called an umbrella policy because it offers blanket protection so that you don’t have the gaps you would otherwise have.

Is a PUP separate from your auto insurance?


There’s a relation between a PUP and an auto policy, but they are two separate plans. You will have a different policy number and may even buy your PUP from an entirely different carrier.

You still need to provide proof of your auto insurance, home insurance, and other property insurance before the additional coverage will be offered.

What are the requirements to qualify for a PUP?

You must have underlying property insurance with adequate limits before you can apply for any Personal Umbrella Policy.

It’s typical for the company to require you to have at least $250,000 per person and $500,000 per accident in BI coverage. You’ll probably be required to show that you have $300,000 in Personal Liability coverage on a home policy, a boat policy, or another type of property policy.

Umbrella policies can really save the day when your liability limits are exhausted after a claim. Instead of worrying how you’ll pay for things out of pocket, you have another policy to lean on.

PUPs provide a minimum of $1 million of extra protection.

If you think that you need a PUP, you should start by getting auto quotes for high-limit policies. Use an online auto quote tool and find out what a policy with the required limits will cost you.

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Things to remember...
  • Many financial institutions require full coverage car insurance before financing a car
  • You will probably have to purchase a car insurance policy that includes liability, collision and comprehensive
  • To find an affordable full coverage insurance policy for your financed vehicle, you should use a comparison tool

When you finance a new car, you will need full coverage car insurance.

When insurance agents and other drivers talk about full coverage car insurance, they are referring to a policy that includes:

This type of full-featured policy protects you whether you are at fault or someone else is at fault, in the case of an accident.

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The Reason for Full Coverage Auto Insurance


Finance companies want to protect their investment.

When you take out a loan for the purchase of a vehicle, the financial institution has a vested interest in your vehicle until you pay off your loan.

If you miss a payment or default on the loan, they have the option of repossessing the car and selling it in order to satisfy the terms of your loan.

If the vehicle is damaged at the time of the repossession, the finance company will incur the costs. Instead of risking this loss, the finance company wants to insure you can cover this cost in the case of an accident.

We’ll discuss the three types of coverage these companies require:

– Liability

In order to satisfy the requirements of your state’s insurance laws, you will need to purchase a policy that includes liability insurance. Even vehicles that are paid off must have a minimum amount of liability coverage.

This policy pays for the damages caused by you if you hit another vehicle or damage someone else’s property with your vehicle. Liability insurance does not come with a deductible.

– Collision

Collision insurance is required by financial institutions because it pays for the damage to your vehicle if you are the one that caused the accident.

If you hit another vehicle or damage your car by hitting an object, your collision policy pays for the damage to your car minus the amount of your deductible.

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– Comprehensive

The comprehensive portion of your insurance policy covers damage to your vehicle that did not occur while you were driving it.

Common comprehensive claims include:

Comprehensive insurance may or may not have an associated deductible.

– GAP Insurance

To protect yourself, you may want to consider purchasing a GAP insurance policy along with your full coverage insurance policy.

GAP insurance protects you against financial loss if you get into a car accident that results in your car being declared a total loss.

When a car is declared a total loss, the insurance company offers you the value of your car instead of replacing your vehicle.

If this amount is less than what you owe on your car loan, you will have to pay off the remainder of that money out of pocket. GAP insurance ensures that you are not paying thousands once your vehicle is totaled.

Finding an Affordable Policy


If you know you are going to finance a new car ahead of time, it is in your best interest to use a comparison tool to compare prices.

Different years, makes, and models of vehicles cost all affect your insurance rate. The insurance company assesses a risk factor to each class and year of vehicle.

When it comes to insuring a new car, the price of your auto insurance policy are all influenced by factors, such as the car’s:

  • Safety features
  • Safety record
  • Horsepower
  • Overall cost
  • Likelihood of being stolen

One of the ways you can mitigate that cost is by comparing quotes for the vehicles you are considering purchasing. Comparing quotes will help you determine if the car is affordable in the long run.

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Things to remember...
  • Car insurance carriers can offer policies at any length they choose
  • Many niche insurance carriers specialize in short-term car insurance policies
  • Doing price comparisons can help you get the best one-day car insurance policy premium and coverage combination
Car insurance is a unique product offered by an insurance carrier. Customers drive what is offered by car insurance carriers due to the immense competition that exists in the marketplace.

You as a consumer can dictate what you want regarding the coverage provided by the following:

  • The policy
  • The policy length
  • And more

Taking this into account, can you buy car insurance for just a day if you need it?

The answer is not as clear-cut as you may think; it will depend on the carrier.

The great thing about the length at which car insurance offers is that every carrier is going to be different. Some insurance carriers are going to tell you that you can only buy a car insurance policy for a six-month or a 12-month period, while others may leave the option up to you.

Car insurance is a product that is truly on-demand; a car insurance policy can be purchased online without ever having even to talk to an insurance representative.

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The Availability of One-Day Car Insurance


The availability of something such as car insurance for a single day is far more widespread than you may think. It is up to you as a consumer, though, to make this discovery on your own.

All it takes is a bit of research using the Internet or even just reaching out to some insurance carriers over the phone.

Consumers cannot get what they are not comfortable enough to just ask for. Most car insurance carriers are going to offer you the standard annual insurance policy that lasts for a 12-month period.

Others may make it more standard for the policy term to be six-months. Those are the two norms, but they are not going to meet the needs of everyone.

One-day car insurance is available from the vast majority of the big car insurance carriers out there. What you want to do is to inquire about who offers is, and see what premiums that they are charging as a result.

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The Niche Carriers May Price Better

There are going to be niche insurance carriers out there that are going to be able to price policies such as a one-day car insurance policy in an improved way compared to the big carriers. This is because these carriers specialize in what are known as short-term car insurance policy.

The car insurance carriers specializing in short-term policies have underwriters, rating information, and actuarial support that allows them to accurately price policies, access risk, and present premiums that are going to be highly competitive.

Not only can you buy car insurance policy for just one day, but you also have the ability to buy the policy on-demand.

You may find out that you need to borrow a car for which you need to have insured for a day, but only right before the need arises.

Reaching out to a car insurance carrier can allow the policy to be available right when you need it and have it go into effect, to the minute, that you need it to be.

Know Your Insurance Carrier


The last thing that you want to do is to sign on with the first carrier that offers you a one-day policy. Make sure that you are aware of if your car insurance carrier is known to be ethical and are known to take care of their customers.

Do not just make price comparisons on the premium alone; research how their customer service stacks up as well against the competition.

Car insurance providers are giving consumers more power than ever before. The important thing to remember is to shop around, make price comparisons of what all of the different carriers are making available.

See who is offering a one-day car insurance policy, and at what premium, they are offering it at.

Make sure that the coverage, the deductible, and everything in between meets your needs before you have the policy bound. Shopping around can help you end up with the ideal one-day car insurance policy.

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Things to remember...
  • Car insurance does not typically cover engine failure
  • Engine failure might be covered by insurance if the damage resulted from a collision or comprehensive loss
  • Some insurance companies can add mechanical breakdown coverage on your policy
  • An extended warranty may cover engine failure

In most cases, engine failure is not covered by your car insurance. Car insurance policies must provide required coverage which can include liability for bodily injury, liability for property damage, personal injury protection, and uninsured motorist coverage.

None of those four required car insurance coverages applies to your insured vehicle. So, those four do not cover your insured car and will not pay for engine failure.

You can purchase additional insurance coverage for collision, comprehensive, and GAP insurance. Each of these three extra options provides coverage for your listed vehicle. When you read your car insurance policy, there are exclusions.

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Collision Coverage Can Cover Some Types of Engine Failure


Collision coverage usually covers for the direct and accidental loss to your vehicle when you have a collision with another object. Coverage for wear and tear and mechanical breakdown get listed as exclusions in most car insurance.

The exception will be when the loss is the result of an event that is covered somewhere else in your insurance policy. That event would be when you have a collision that results in damage to the engine.

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Comprehensive Coverage Might Cover Engine Failure

Comprehensive coverage usually covers loss to the vehicle when it is not part of a crash. The kind of loss for this coverage of insurance could include a loss from:

  • Falling objects
  • Fire
  • Theft
  • Explosion

If your engine has failed after your car burned in your garage as a result of a house fire, the comprehensive coverage may cover the motor damage. If someone steals your automobile and the engine fails, that may be a covered loss.

Those types of engine failures would need to be directly related to the event.

Losses Insured by Comprehensive Coverage


There may be additional problems with a failed engine where coverage could apply.

If a problem develops with a car after an accident or comprehensive loss has happened, you would have to prove to the insurance company that the damage to the engine is the direct result of the events causing the loss.

A good mechanic can determine what caused the problem, such as one that could develop on a lower portion of your engine after hitting a huge pothole.

If your mechanic can prove that the engine problem started after the accident, then you could get the insurance adjuster to pay for the engine damage. You need to show records to the adjuster of the following:

  • Required maintenance completed by due dates
  • Recent mechanic reports showing no problem with the system under question
  • Regular monthly maintenance completed
  • Plus other factors

To convince an adjuster, you need a mechanic to provide proof to the insurance company that engine damage resulted from the accident or comprehensive loss.

Alternative Coverage for Engine Failure

When your car insurance policy does not provide coverage for engine failure, there may be an alternative coverage. Some of those coverage options could include:

  • Automobile manufacturer bumper to bumper warranty
  • Vehicle manufacturer powertrain warranty
  • Extended Warranty
  • Secondary market warranty or mechanical breakdown warranty

Car Manufacturer Bumper-to-Bumper Warranty

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Automobile manufacturers provide a warranty that covers a vehicle. The length of the warranty is often a combination of months and miles driven. It is common today to see a bumper to bumper warranty last three years or 36,000 miles, whichever comes first.

Some of the exclusions to the bumper to bumper warranty are for:

  • Accident
  • Misuse
  • Alteration
  • Insufficient or improper maintenance
  • Bad fuel
  • Chemical or environmental damage

If your engine fails during that bumper to bumper coverage period, and the cause is not one of the listed exclusions, the warranty should cover your engine failure.

Car Manufacturer Power Train Warranties

Many automobile manufacturers now offer a powertrain warranty that is even longer than the bumper to bumper coverage. Companies like Chevrolet provide powertrain warranty coverage for five years and 60,000 miles, whichever comes first.

The power train under the Chevrolet warranty includes the following components:

  • Engine
  • Transmission and transaxle
  • Transfer case
  • Drive systems
  • Emission control systems

If your engine fails in the first five years or 60,000 miles, you will have a powertrain warranty coverage through your car manufacturer to cover engine failure.

Factory Extended Warranties


Car dealerships sell extended warranties backed by the manufacturer. These extended warranties can cost from $1,000 up to $2,200 or more, depending on the type of vehicle you buy.

Consumer Reports states that 55 percent of extended warranty policy owners never used their coverage during the life of the warranty.

Consumer Reports went on to say that the people having the most satisfaction from buying an extended warranty were those people that used the warranty most frequently.

If you had purchased an extended warranty, check with your warranty company to determine your coverage for an engine failure.

Insurance Company Mechanical Breakdown Warranties

Some insurance companies offer a rider on your car insurance policy that will cover mechanical breakdowns.

There are additional costs added to your car insurance policy for this kind of coverage. Adding this coverage is often restricted to new vehicles. This warranty can be renewed for up to seven years or 100,000 miles, whichever comes first.

Third-Party Extended Warranties


A third-party warranty is an extended warranty not purchased from the factory. Consumer Reports states that the satisfaction of buyers of third-party warranties is 41 percent, and those buying factory warranties is 53%.

If you purchased an extended warranty from any third-party warranty company, you might have coverage for your engine failure.

When you have an engine failure, you will probably not be able to get coverage through your car insurance company. There are some exceptions, and they would include damage that was the direct result of an accident or comprehensive loss.

You may also have purchased mechanical breakdown insurance from your insurance company.

If your car insurance company does not cover your engine failure, you may have other options. If you bought an extended warranty, you might have coverage for your engine failure.

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Things to remember...
  • An International Driver’s Permit is used in conjunction with your home driver’s license to drive in the United States
  • You are required to have auto insurance on any car you drive whether you own, rent, or borrow it
  • Short-term policies are available through different companies, and you can shop around to find more appealing rates

When visiting the United States, you may want to take a drive to see the countryside or tour nearby cities.

Before getting on the road, you’ll need to be sure that you’re following state guidelines by having the appropriate license and insurance.

As you plan your visit to the United States, you should plan on taking a few steps prior to your trip.

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Obtain an International Driving Permit


The IDP is a valid form of identification accepted by 150 countries around the globe. It contains key information about you that is translated into 10 different languages.

It’s a highly recommended piece of identification for travelers because it displays your:

  • Name
  • Photo
  • Driver information

Take note that the IDP is meant to be carried with a valid driver’s license from your home country.

The two must be presented together if you’re ever pulled over for a traffic violation, and it’s usually good for a period of one year.

Additionally, the IDP will be obtained in your country of citizenship and brought with you to the United States along with your passport and driver’s license.

When visiting the United States, you may be able to rent a car using your licensed and the IDP.

If you’re a resident of the country, then you’ll want to check the individual requirements of your state. In most cases, you’ll be required to obtain a state-issued driver’s license.

In general, you can expect your foreign license and IDP to be good for one year. However, at the end of this period, the state you’re visiting may expect you to get a local driver’s license.

Contact your local Department of Motor Vehicles ahead of time to find out if you’re eligible and learn more about the requirements.

When Borrowing A Car


If you’re visiting friends or family in the United States, then you may have a car that you can borrow for the duration of your trip.

Some insurance companies will cover visitors and allow them to drive the policyholder’s car, but it all depends on the company.

Rather than taking chances with coverage, ask your friend to add you to his or her policy as a short-term visitor.

If you’re going to rent a car, then you have a few different options for coverage.

In addition to the plans offered by the company, you also may have protection through:

  • The credit card you used to make the reservation
  • Your regular insurance company from home
  • Your employer if you’re traveling on their behalf
  • A motor club membership

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If you don’t have any of these coverages, then you can easily purchase the insurance you need right from the rental car agency. However, you’ll want to make sure that you have the right coverage before you drive off the lot. You should ask about:

  • Collision Damage Waiver – This coverage pays for any damage or theft to a rental car while it’s in your possession. As a visitor, it can provide you with peace of mind because you won’t necessarily know where the high-risk areas are in order to avoid them.
  • Supplemental Liability Insurance – Most people don’t really have enough liability coverage, and that includes renters. However, you can also get the protection you need with an umbrella policy and go with the minimum amount required at the rental counter.
  • Personal Accident Insurance – This covers medical expenses for you and your passengers in the event of an accident, but it’s not necessary if you have purchased health insurance for your trip.
  • Personal Effects Coverage – Items that are stolen out of your car would be covered with this plan, but you may already have protection through your homeowner’s policy you have at home. Before you leave for your trip, call your company to see if you have protection.

Tips for Renting a Car


In addition to educating yourself on rental car insurance, you may want to make sure that you’re fully prepared by booking your car in advance. If you’re purchasing the insurance ahead of time, then you can learn more about the options and make a fully informed decision.

If renting a car isn’t feasible due to the length of the stay, then buying a car is a smart choice. The vehicle can always be sold when you return home. However, in this case, you’ll have to invest in short-term car insurance.

The great news is that there are several companies offering short-term plans for visitors. You’ll need to have your IDP before you can apply for insurance, and you won’t be able to drive until you have the coverage. When applying for a plan, you’ll need to provide the company with:

  • The address where you’ll be staying
  • The make, model, and vehicle identification number of the car you’ll drive
  • Information about your driving record, including tickets or accidents in the last few years

If you don’t know what type of car you’ll have when you arrive and don’t have an address quite yet, then you won’t be able to purchase the insurance. However, you can still shop around ahead of time to find a company that offers these plans and is willing to serve you.

Upon arriving in the United States, either use an insured rental car or let someone else drive you until the insurance is in place. You’re expected to have the state-mandated coverage levels before getting behind the wheel of a car.

Learn the State Minimums

Most states require drivers to meet minimum guidelines for insurance coverage.

The state requirements are typically for property damage that you cause in an accident, personal injuries to a single person in a single accident, and personal injuries sustained by multiple people in a single accident.

It may take a little longer to find short-term car insurance companies, but you can still look around for different rates.

One great option is to use a comparison tool to quickly enter what you need and be rewarded with information on different companies. The process will be faster, and you just might save some money on the premiums when you arrive.

Do Your Research on Companies


There are plenty of scams going around the globe, and that includes fake car insurance. Learn how to spot a phony company so that you’ll have the coverage you need when you arrive.

Keep in mind that if you’re driving with a phony insurance plan, then you are in violation of the law and can be ticketed. The good news is that all the answers you’re looking for about a company are right at your fingertips.

Take the time to check for:

  • License information – Available online through the state’s Department of Insurance
  • Fully detailed documents – Itemized insurance information will detail what type of coverages you have
  • Realistic costs – If the fees quoted seem impossibly low, then the company is probably fake

Start your vacation or extended trip off on the right foot by getting the coverage that you need to drive. It doesn’t matter if you’re borrowing a car or buying one to drive for the year.

You’ll need to have at least the state minimum insurance levels, and you may choose to go with a more thorough level of protection.

Shop around for different rates by using a comparison site. In addition to finding lower premiums, you can also look for more thorough coverage that better suits your needs.

When you know you’re covered, you can head out on the roads with confidence and start seeing all that the United States has to offer.

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