I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?

totally depends on company & specifics. in your case, from date of accident, i think. i had a minor accident (w/ my own garage!) & it was only 2 years.

I’ve found some helpful info here too:

http://car-insurance.66ghz.com

Have a nice day.

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only cover catastrophic loss.
Can you imagine what your auto insurance would cost if you made a claim every time you got a flat or a tune up ?
Or what your home owners insurance would cost if you made a claim every time a light bulb burned out or you wanted your carpet cleaned ?

Maybe that’s the reason medical insurance premiums are so high ?

autoinsurance.bebto.com - try this one. I have their car insurance and, as I know, they can provide such a service.

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I wasn’t driving, therefore it wont be on my driving record only my criminal. I was wondering if a car insurance company checks criminal records while you have insurance with them? The case was resolved through "stay of adjudication" which means if i keep my nose clean for a year it will be dismissed.

Thank you for your help.

There are lots of places where you can get an online quote. http://www.autoadvicetips.com/Auto-Insurance-Quote.html It only takes about 5 minutes to do.

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Owning a class or antique car is a real joy, but it poses challenges from restoration to preservation. Finding affordable auto insurance for these gems can also be difficult. As with any insurance, research is the key. Take the time to decide what kind of coverage you want, then get quotes from multiple companies.

Car insurance quotes for classics and antiques will depend on many factors. What is the value of the car? Has it been restored? What modifications have been made to the vehicle? Is the car garaged when not in use? How many miles will be put on the car annually? Who will be driving the car? Where will the car be driven to and from? Know the answers to these questions before shopping for auto insurance.

Insurers of classic and antique autos will want to know the specific value of an older car before insuring it. The auto insurance companies will ask numerous questions about the state of repair the vehicle is in. The Kelley Blue Book or other car value publications will be consulted for a retail and trade in value. You should do this yourself also so you know the general value range of your vehicle.

Auto insurance companies want to know the miles the car will be driven annually. It is one of the most important aspects of the car insurance policy for older cars. Will it be driven for shows and weekends only or will it be used for daily driving? Some car insurance companies restrict the driving to weekends only and will not allow for it’s use as transportation to work. Others will allow any type of use, but only allow say 3000 miles a year to be put on the vehicle. They may also want a picture of the car and a list of all the modifications. This information helps them give you the best policy price for your car.

In order to get the most joy and value out of your classic car, pick the insurance coverage that will fit your lifestyle. Picking an insurance policy with too little coverage, or inadequate coverage, will be disastrous if something should happen. You will want your vehicle to be restored up to it’s current value if minor damage occurs. Some insurance companies will not do this, stating it is unable to be fixed to it’s pre-event state due to the lack of original factory parts available. In the event of a crash or unavoidable damage, you will want to be assured they will do everything in their power to repair your vehicle. Call around or cruise the Internet to find the auto insurance company that is right for you.

Mary Duares
http://www.articlesbase.com/classics-articles/auto-insurance-for-your-classic-or-antique-car-396597.html

The level of auto insurance that someone might need depends on the financial circumstances of the individual concerned and the cost of the car involved. Take for example someone who has a brand new $50,000 motor, it would be sheer folly to do anything other than take out one of the best auto insurance policies available and the cost of the auto insurance is likely to be insignificant when considering the overall annual cost of the car.

However, if you have a car that is nearing the end of its life, have a low cost car and previous claims or are a new driver then the cost of the auto insurance versus the benefits you might receive need to be given greater consideration. Comprehensive auto insurance premiums are likely to be disproportionately high for older vehicles, new drivers with low cost autos or drivers with accident history.

Whatever your circumstances you are legally obliged to take out a basic level of auto insurance that will cover you against third party claims and given the level of damages awarded seem to be increasing out of control then my advice would be to get the best possible third party liability auto insurance cover that you can afford.

The legal requirements for auto insurance does vary from state to state so you’ll need to clarify the level of cover you require when taking out auto insurance but only insuring to the legal minimum isn’t necessarily the best choice to make.

If you have a lot of money sunk into your car or your auto is leased then you really should take out comprehensive and collision auto insurance to cover you for things such as fire, theft, acts of god or collisions that are your own fault.

If you live in an area where cars are regularly vandalised you might want to consider comprehensive auto insurance when perhaps you wouldn’t have otherwise done so. The cost of your auto insurance will generally be higher if you live in such an area but that is something you have to weigh up against the cost of repair.

Personal Injury Protection is something that everyone should consider as this element of your auto insurance will cover medical costs associated.

Despite legal requirements some people still persist in driving around without auto insurance leaving the others with a need to insure against the uninsured motorist. Uninsured auto insurance will cover you for damages in the event of an accident with an uninsured motorist. Again, insurance that everyone should give serious consideration to given an auto accident could leave you unable to work or your family without any means to earn.

If you want a more comprehensive auto insurance policy but want to limit the cost then you could look at opting for a higher level of deductibles. Deductibles are the amount you would have to pay before you could make a claim against your auto insurance policy and generally, the higher level you agree to the lower your auto insurance premiums.

Terry Ross
http://www.articlesbase.com/automotive-articles/what-level-of-auto-insurance-do-you-need-62121.html

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