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Why auto insurance is a must

By: Jesse Witham

Vehicle insurance, car insurance or auto insurance is insurance purchased for cars, trucks and other vehicles. It is primarily used to provide protection against losses incurred as a result of accidents and against any liabilities incurred in accidents.

A majority of drivers think that they don’t need auto insurance because they consider themselves to be good drivers. They think they can escape accidents and that they are not prone to road accidents. Sadly, what they don’t understand is that accidents can happen anytime, anywhere. You never know what is in store for you. You never know what the car next to you, in front of you or behind you is going to do. Hence, it is a good idea to have insurance regardless of where you live or how good a driver you are. It is important to get coverage on the vehicle you drive. If you do not have coverage, then you are going to be worrying about it every time you drive around. Automobile coverage will help keep those worries at bay. When you know that your car is insured and you are financially protected, you will drive at peace.

There are a thousand cases of road accidents reported on a daily basis. In an increasingly intolerant city, the value of human life seems to have reduced to a notch. Hence, it is paramount to safeguard your life and your expensive car against fatal accidents. Car insurance is the apt solution to this dilemma. It secures you against potential losses and threats. However, before you enroll for the policy, it is imperative to have detailed knowledge about the auto insurance rates or quotes. As a matter of fact, it is incredibly easy to obtain free car insurance quotes. A simple search on the Web for compare car insurance quotes will guide you through the same. Car insurance quotes differ from company to company, which is why it is of utmost importance to carefully review insurance quotes of different providers before selecting the one which best suits your needs.

There are certain factors which play an important role in determining your auto insurance quotes. Your driving record, gender, age, marital status and the type of vehicle are amongst the contributing factors which are considered by the insurance company while determining your insurance quote. If you have speeding tickets issued against you or if you have been convicted for rash driving, then some companies may be wary of insuring you. Installing high-tech security features in your vehicle is a great idea to impress insurance companies. It will project you as a responsible driver. Moreover, the extent of damage would also be less if quality security functions are installed within the vehicle, thus improving your chances of getting reasonable or satisfactory auto insurance quotes.

It is important to buy auto insurance when you buy an automobile. If you own a car, then auto insurance is a must have. None of us like to think that we will ever have a car accident. However, it is better to prepare ourselves in case of any accident or unforeseen calamity.

Jesse Witham is the author of this article on Auto insurance. Find more information about Car insurance here.

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Important Things for Buying Cheap auto Insurance

By: Ricky Hussey

Insurance policies have become so important with changing times and such an unpredictable future. You not only need to secure your life but also your property and vehicle. Auto insurance is as important as any other insurance policy. With the amount of road accidents increasing every day it becomes must thing to cover your automobile with a policy that can help you in your bad times. Most of the people think that n auto insurance is a monthly financial burden, but it’s not true. It is a promise that your future is secure and that you won’t face any financial problems when it comes to your vehicle. Also now there are so many polices in market that can help you find a cheap auto insurance policy.

It is now mandatory in almost every state that a driver can drive on roads till the vehicle is insured. You need to have at least minimum coverage policy. You may include an uninsured or underinsured cover in your policy as they are the very basic types of policies taken by people.

There are so many insurance companies in market who can provide you different types of policies. You just need to choose the one that falls in your budget and with that meets all your requirements. You just need to find at right place and make a smart choice. Right decision with through study of the policy and market can help you make your auto insurance policy cheap and affordable.

One can find everything on internet these days, even cheap auto insurance! You just need to log in to an auto insurance providing website and fill in your requirements. You will get details about all the available policies that meet your requirements with there quotes. Find the one hat has best quotes according to your pocket. With this you need to make sure that the kind of policies you are choosing covers all that you want to cover. The insurance provider should be trustable and should have a good market value and image. There are many con companies that can lure you by providing you with very cheap auto insurance, and would cheat you with money. Be aware of such companies so do a good market study before investing. The quotes providing sites also give you the ratings of the company and then you can obviously ask some of the people aware about insurance market.

Online auto insurance is a leading Texas auto insurance website. It's mission to become #1 website affordable car insurance.

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No Longer Covered By The Parents Insurance

By: Ethan Kalvin

My wife and I own a small business in Florida, and we have to buy health insurance to cover our family. We have four children, two sons and two daughters. Our one daughter has some developmental and health problems. Because of those problems she will always need some help or guidance throughout her life. Because we have a child with special needs, our insurance premiums costs are very high. In fact, you could rent a one-bedroom apartment for less than we pay in monthly insurance premiums.

In June my oldest son moved into an apartment with some friends. Instead of going to college right out of high school, he worked for a year to earn some money and is currently registered to start college in January 2010. In July he became very sick complaining about pains in his side and stomach. Our family doctor examined him and referred us to a specialist. After the specialist examined him, he ran some tests and did some blood work hoping to find the problem. The doctor couldn't make a diagnosis and he wants to run more tests. If he can't find anything, he wants to send my son to another doctor.

Because my son is of age, the receptionist in each office gave him the paperwork to fill out and asked to see his ID. His license has his apartment address on it. Each receptionist asked my son if he was currently enrolled in school or would he be starting school in August or September. He said he would be starting college in January but he wasn't a student at the time.

All of the bills for the doctor visits and tests were submitted to the insurance company. Every claim was denied; it was unbelievable! I knew our son wasn't too old to be covered by our insurance policy. Right after he turned 19 he had an accident and ended up in the emergency room. All we paid then was the deductible. What made this claim different?

Apparently the difference is his status had changed. When we took him to the emergency room he still lived under our roof and we supported him. The issue isn't that he no longer lives with us but that he lives away from us and is not a student. In short, to be covered under our insurance policy if he is not going to school he has to be living in our home or he can have his own place and be enrolled in college with at least 12 credits a semester. Why didn't the insurance company tell us this requirement?

Where we stand right now is we have about $3,000 in bills for office visits and various tests that we are responsible for paying. We were told when my son starts college and we can prove he is taking 12 credits per semester, we can put him back on our insurance. In the meantime, if he needs to see a doctor, then we will have to pay all of the costs.

A couple health insurance quotes will give you a ton of info about different health insurance policies. Keeping the whole family covered by individual health insurance will save you from some nasty bills.

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