motor insurance quotes

If you’ve ever hit a bad pothole— and who hasn’t? —you’ve probably wondered if any damage to your car would be covered by your auto insurance policy. Turns out, you might be able to use your collision coverage to pay for that damage…but you might not want to. First, understand that most policies will only cover pothole damage to the vehicle itself—such as the wheel, bumper or fender—and not damage just to the tires. You also need to consider how the amount of the damage compares to the deductible you would have to pay under collision coverage, which typically ranges from $250 to $1,000. If the damage to your car is less than your deductible, you might want to just pay for the damage yourself and avoid the claim process altogether. SafeAuto or your own insurance company is prepared to help you make those decisions and work with you if you do decide to file a claim. Am I at fault if I hit a pothole I couldn’t avoid? For collision coverage, fault plays no role in determinin

We get it. You love your car! So after you get into an accident and find out that the insurance company wants to total it, you’re thinking a lot of things:  But it was so young! But the damage was so minor! Why oh why can’t they just repair the damage? Why is my insurance company totaling my car? Accident of two cars on a highway How does an insurance company decide to total a car? It is common belief that a car becomes a total loss when the cost to repair it is greater than its value. But it’s a bit trickier than that. Most auto policies agree to pay you either the  actual cash value  of your car or the cost to restore your car to its pre-accident condition, whichever is less. Actual cash value (ACV) is the “fair-market value” of your car immediately before the accident, taking into account its age, use, condition, etc. Another way to think of ACV is as the price a reasonable person would pay for the car had it not been in an accident. Laws vary from state to state as to

It’s a question everyone who buys car insurance has to ask themselves:  What coverage do I need on my auto insurance policy?  Short answer: Your insurance company or agent is best equipped to help you answer this question, but you shouldn’t disregard your own concerns, financial situation, and tolerance for risk. Nobody can predict where or when a loss will occur—or how severe that loss will be. (That’s why we have insurance, after all.) You can, however, put coverage in place that is more likely than not to give you adequate coverage for the risks you face. What car insurance coverages are required? Most states require drivers to carry minimum limits of liability coverage. These minimum limits may or may not be right for you—it’s best to talk with your insurance company or agent to make sure. After all, liability coverage will only pay claims for other parties if  you  cause an accident. And even if that’s all you think you want to be protected from, the state-required

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CAR INSURANCE QUOTES FROM SAFEAUTO ARE QUICK AND EASY Auto Insurance Quotes In Just Minutes Getting the right coverage for your vehicle is easy with SafeAuto. We offer convenient payment options, an affordable monthly price and 24/7 customer service to provide the protection that you and your car need. Switch to SafeAuto today to get covered with the right insurance for the right price so you can enjoy the road ahead. GET YOUR quote now

Definition:  A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. The law mandates that every owner of a motor vehicle must have one motor insurance policy. Description:  Broadly, there are two types of motor insurance - the 'Act only' policy and a comprehensive policy. The scope of the 'Act only' policy is to pay compensation for death or any bodily injuries and for damage to property of third parties. While the insured is treated as the first party and the insurance company as the second party, all others would be third parties. In case the vehicle is purchased under a hire-purchase agreement, the financiers insist upon a comprehensive policy to take care of their interest as collateral security. The perils covered under the comprehensive policy are fire or theft or both fire and theft in combination with the minimum r