AUTO
INSURANCE |
 How
long do tickets stay on my record and affect my auto or car insurance rates?
|
All
minor traffic convictions and accidents remain on your
driving record for three years and will affect your auto or car insurance rates. All major violations
remain on your driving record for seven years. Points
for traffic convictions and chargeable accidents are
added and removed at the renewal of your auto or car insurance policy. There
is no change to the auto or car insurance policy during your policy period
to add or delete points. If eligible, you can enroll
in traffic school to erase minor violations from your
driving record and save on auto or car insurance coverage. |
What
should I do if I have an accident? |
First,
make sure you, your passengers and others are not injured.
If there are injuries call 911 immediately. Second,
in most states the police should be notified. Third,
you should give your information to the other driver(s).
Provide your name, address, and telephone number. Also
let them know whom your auto or car insurance coverage is through.
Then get this same information from the other driver(s).
Finally, contact your auto or car insurance carrier at your first
opportunity. Contact information may be found on your auto or car
insurance identification card. |
Why
should I buy auto or car insurance from a broker? |
A broker of auto or car insurance, represents you - the customer. BuyInsurance.com shops from our panel of different car or auto insurance companies
to locate the best combination of price and auto or car insurance coverage
for you! We also encourage you to periodically
shop through BuyInsurance.com during you auto or car insurance renewal cycles to make sure that your auto or car
insurance coverage keeps pace with your changing life.
|
How
does BuyInsurance.com get great auto and car insurance rates for all drivers?
|
When
you contact us for a free online insurance quote, we shop our panel
of different auto and car insurance companies to find the most appropriate
coverage at a great price. Some of our auto and car insurance carriers
specialize in good drivers, while others write mostly
high-risk drivers. No matter what your situation, BuyInsurance.com can place you with an auto insurance company that’s
right for you at a very competitive price. |
What
is Uninsured Motorist Coverage? |
Even
though auto or car liability insurance coverage is advisable and often required,
there are many people who do not buy insurance. If an
uninsured motorist causes an accident you may not be
able to recover any damages that you sustain. If you
purchase Uninsured Motorist Coverage, your auto insurance
company will pay you for the property damage and bodily
injury caused by an uninsured motorist. It will cover
you, any family member, and anyone occupying a covered
automobile. The limits for this coverage are usually
the same limits that you selected for liability, although
you can choose lower limits. There are also times when
a person who causes an accident has liability insurance
but your damages exceed the limits of that person's
coverage. In some states Underinsured Motorist Coverage
is included in your Uninsured Motorist Coverage. In
other states, you can purchase underinsured motorist
insurance, which covers your excess losses up to the
limit set forth in the policy. |
How
much Auto and Car Insurance Liability Coverage do I need? |
Most
state laws require that you carry a minimum amount of
auto and car liability insurance, which pays for the injuries or
damages you cause to someone else. While some people
only need the minimum level of auto or car insurance protection, others have
assets that they need to protect. If you are unsure
about how much liability auto or car insurance you need, consult
a car or auto insurance professional now by signing up for a free
online insurance quote. We can find a program to provide the right amount
of protection for you and your family. |
