car insurance

New York Auto Insurance Quotes

October 4, 2016
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New York requires everyone who wants to drive in this state to hold down their own liability car insurance policy. For each person it is mandatory to have liability auto insurance, no-fault car insurance, and uninsured motorist coverage. The liability insurance is supposed to cover the injuries or death to those involved in the accident and property damage takes care of damages to the other person’s car. With no-fault insurance coverage it doesn’t matter whose fault the accident was, each person submits claims to their own insurance company.

The liability limits for New York drivers include:

  • $25,000 for the injuries to a single person
  • $50,000 for the injuries to more than one person who is involved in the accident
  • $50,000 to cover expenses for the death of one person
  • $100,000 for the deaths of more than one person in an accident
  • $10,000 for damages to the other person’s car.

Liability insurance will only take care of the injuries or death of the other people who were injured in the car accident. You need different coverage that will cover your own injuries or damage to your vehicle.

Besides the minimums listed above you may want to add collision when you look for your New York auto insurance quotes at, this is the coverage that will pay for the damage to your own car. Comprehensive coverage pays the damages to your own car from anything other than an accident and collision pays for the damages to your own car. Comprehensive coverage includes theft of the car or vandalism.

You must provide proof of insurance if you are stopped by an officer of the law. It is against the law for you to drive without this insurance. If are driving without auto insurance your license may be suspended, you may have to pay a fine and your registration may also be suspended.
If you are unable to get car insurance because of an extremely poor driving record you may be able to qualify for the New York Automobile Insurance Plan. If you qualify an insurance policy you will be assigned to you that will cover the minimum amounts required, the uninsured motorist’s coverage and the no-fault liability. You may purchase this insurance in higher amounts if you would like to. The price for insurance of this kind is a last resort as it is much more expensive than any other insurance policies available. Companies involved in this program must make this type of insurance available to you for at least 3 years.

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Texas Car Insurance Quotes & Overview

September 4, 2015
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The state of Texas is known for it’s high car insurance rates, and penalties. Pushing to keep roads safer, the state has set out a list of requirements for all drivers to have included in their insurance policy. This includes having at least: $1 million dollars in property protection; $10,000 in property damage liability; and $20,000 in bodily injury liability.

With the entire state being known to have high insurance rates, it is important that drivers do their research, into what companies really will give them the best possible rates. Like most places young men are generally changed more by insurance companies than women; However, there are still great options out there for male drivers to get decent rates. There are great website for drivers all across the state to go on to find the best rates, and find great deals. We hope this information will help you when you go to get Texas Car Insurance quotes from someone like

Average Car Insurance Rates Throughout the State
This information is gathered from 6 of the top car insurance companies in the state. While obviously there are variables to be considered such as personal driving record, credit..etc…here are a few of the average costs of car insurance in difference cities throughout the state.



San Antonio
Lowest: $2,017

Lowest: $1,575
Average: $2,445
Highest: $3,984

Fort Worth
Lowest: $1,621
Average; $2,601
Highest: $4,242

Credit and Insurance
When you have bad credit, it impacts a lot of areas in your life, from your ability to buy a house, own a credit card, and even get insurance. For people who have decent credit (between 620 and 679) they can expect to pay on average over $65 a month more than their original base plan, simply because of their credit score. For those who have less than decent credit (below 580) they can expect to pay roughly $170 month more. While these are averages, doing some research into insurance company options will easily tell you which company will work best for you, given your credit score.  
Hopefully this has shed some light into not only the way that Texas car insurance quotes is laid out throughout the state, but also provided some resources as to where more information can be found.

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Why you should get Pennsylvania car insurance

August 17, 2015
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There are few things more central to the American ideology and way of life than a car.  It permeates the American consciousness, from the literature of Jack Kerouac to myth of Spring Break and the all-American road trip to the music of the Beach Boys, cars are simply central to an American way of life.  Nowhere is that more true than Pennsylvania, which makes it all the more important to safeguard the future of yourself and your family, which is where the subject of Pennsylvania car insurance comes in.

You might well be wondering why you need any form of car insurance from in the first place.  After all you’re a safe driver, abide by all the traffic rules and regulations and have never gotten so much as a ticket—surely you’re a safe enough driver to where you wouldn’t need protection?  In an ideal world, that might be true, but the sad fact is that even if you are the best and most attentive driver, not every other driver on the road is going to be like that.  All it takes is one rule breaker or even something so seemingly innocuous as a stray puddle of water or roadside debris to lead to an accident that can injury yourself, your family, the other driver, and lead to tens if not hundreds of dollars’ worth of damage—all of which you would have to pay out of pocket without Pennsylvania car insurance.

It it’s any consolation, however, a safe driving record will make car insurance easier and cheaper to attain.  To begin with, you’re going to want to take stock in terms of what type of car you have—the year, the make, the model, etc.  From there, you’re going to want to go about finding a form of car insurance which best fits your car, your budget and likewise your obligations to Pennsylvania state law, which makes the driver of a car responsible for it from a financial perspective.  While that doesn’t necessarily mean that you have to purchase some form of Pennsylvania car insurance, it does mean that you would, as alluded to previously, pay out of pocket, which few of us can afford and nobody likes.

Insurance is, without question, one of the most important purchases you’re likely to make, for your car and your family alike, so get it right today with quality Pennsylvania car insurance.

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