recommended auto insurance coverage FAQ

Auto Insurance Coverage - How much coverage should I buy?

Jun 03, 2007 by Puddins_Man | Posted in Insurance & Registration

Next week, I'll be switching to another auto insurance. My previous limits with another company were:

-minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage
-PIP $2500
-250/500 for Comprehensive/Collision,

Given the cost of medical car, and the state of our legal system, I think it makes sense to up your coverage. The minimum is pretty much a joke, and won't cover anyone's serious injuries. Let alone if they sue you for pain and suffering. Besides, if

Uncle Pennybags | Jun 03, 2007

This is a personal choice, just know you have to live with your choices. Ultimately though, you want to purchase the most amount of coverage you can afford and that hopefully will protect whatever assets you own, assets you have now and possibly future
bundysmom | Jun 03, 2007

Can you recommend a good auto insurance that offers great service at a reasonable rate?

Oct 16, 2007 by AtiaoftheJulii | Posted in Insurance

I need auto insurance that includes crack window coverage.

I have a 2007 vehicle and my current insurance wants me to pay a $250 deducticle before they will pick up the tab.

When I had Allstate, window mishaps were free,

Please go to an insurance agent. There are tons of us around. An agent can shop it out to get you the best rate. Also, your agent is there to help you with any questions or problems. Look for a small agency in your area, they will give you the best

mrsdeli | Oct 16, 2007

Please go to an insurance agent. There are tons of us around. An agent can shop it out to get you the best rate. Also, your agent is there to help you with any questions or problems. Look for a small agency in your area, they will give you the best
mrsdeli | Oct 16, 2007

Does anyone know of Grange Insurance Company?

Jan 19, 2008 by Halo729 | Posted in Insurance & Registration

My insurance agent recommends that I switch to Grange because they will give me a much lower rate than what I currently have, with the exact same auto insurance coverage. But, I have never heard of this company.

I have had Grange insurance for most of my life (I'm 58). They give good service and I have never had them deny a claim.

Otto | Jan 19, 2008

recommended auto insurance coverage news

Auto Insurance -- How To Get Covered Without Breaking the Bank

21.05.12

As with any type of insurance coverage it's important for policyholders to have enough coverage without being over insured.

To ensure that they are properly insured in the event of an automobile claim, policyholders should talk to an insurance agent to find out what type of limits they have on their liability coverage. This is the portion of an auto policy that covers property damage and bodily injuries sustained by another driver and vehicle in the event of an accident where the policyholder is found to be at fault.

Liability coverage is required to be carried by all motor vehicle operators and minimum limits are set by the state. Liability coverage is often expressed as a ratio, for example, 100/300/50. In this example, the policyholder's coverage would include up to $100,000 per person for bodily injury; $300,000 per accident for bodily injury; and $50,000 per accident for property damage.

Oftentimes the minimum state-required liability coverage is not sufficient in the event of a major accident. Talk to your insurance agent about their recommendations and ask them to compare your insurance rate options for the different coverage limits. Oftentimes increasing liability limits does not make a huge premium difference and you may be able to avoid the additional cost by packaging your renters or homeowners insurance policy with the same company and receiving a discount.


Source: MarketWatch (press release)