Archive for July, 2009

Tazzzy asked:


its my moms car and i need to drive it! I need auto insurance!

Technorati Tags: , ,

gambitleblanc asked:


If I add someone onto my auto insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.

Technorati Tags: , ,

Car Insurance

kailou asked:


You two better have a good car insurance company. … Funny Humor car insurance wigger laugh

Technorati Tags: , ,

Classic Auto Insurance – a Brief Guide

You have probably invested a lot of time,money and effort in your classic car, but have you invested in proper classic auto insurance?

When it comes to classic auto insurance, the underwriting is different from that used when insuring your more usual family car. If you want to protect your classic auto investment then it is vitally important that you insure with an insurance company that specializes in classic auto insurance.

Having said that, there a few things to bear in mind when looking for the best classic auto insurance quotes.

Firstly, garaging is important. Most insurance companies will insist that your classic auto is kept in a locked garage or parking area when it is not being driven. Also it has been known for some insurers to deny a claim when the vehicle has been left unattended in a car park or parking lot. This even extends to when and if you take your car on holiday. Parking in the hotel’s lot may void any claims.

Secondly, most specialist classic auto insurers offer a choice of valuation methods, the most common being -

a)The Agreed Valuation Method. Here both the insurer and the insured agree a fair market value for the vehicle that is reviewed each year upon policy renewal. This is considered to be the fairest valuation method, but remember that unlike the usual family vehicle, classic cars can increase in value. This will be of course be reflected by a proportionate rise in premium.

b) The Actual Cash Value Method. With this method, the insurer will only pay out the current market value for the car. The problem with this is that the current market value means the original price of the car when it was brand new less depreciation. Lets say you have an e-type Jaguar that would of cost (for the sake of argument) $2000 in 1968. Today after depreciation the market value used by insurers would be (again for the sake of argument) $300 and this is all you would get if you made a claim.

c)The Stated Amount Method. This method involves the insurer setting the maximum amount that they would pay in the event of a claim. But this maximum amount would be the lesser of either the amount to repair the vehicle, the stated amount or the actual cash value. Once again this method does not take into account the true value of your classic auto and so should be avoided.

Thirdly, how you use your classic auto can have a great bearing on your insurance. A standard classic auto insurance policy may only cover you whilst driving to and from classic auto shows. It you intend to use your classic car for more than this then make sure your policy covers you.

It’s a sad fact of life that insurance companies will do their utmost to avoid paying out on claims so it is in your interest to make sure that have a cast iron policy. When looking for quotes always read the terms and conditions before handing over your cash. If you have or are thinking of getting a classic auto then don’t forget to protect yourself if the worst should happen.



By: Colin R Cherry

About the Author:

To learn more about auto insurance visit => http://www.AutoInsuranceQueries.com where you will find all you need to know about auto insurance auctions and much more

Technorati Tags: , ,

monkeystoneart asked:


I am now stuck with $150 auto insurance bill and I can’t afford to pay it! I am a single mother I live in housing is there any way I can make the ex employer pay this or am I at a loss???

Technorati Tags: , ,

Jesse R asked:


Is there any auto insurance that would cover only part-time drivers at a discount? For example, weekend driving only, or commute to and from work only, or Mondays and Wednesdays only?

I am interested for vehicle sharing opportunities. What about insurance specifically for shared vehicles?

Technorati Tags: , ,

can another person be added to auto insurance?

Jamie D asked:


my neice in another state wants me to put her on my auto insurance plan . Its her car she is 24.

Technorati Tags: , ,

I scream for ICE CREAM!! asked:


Am I allowed to switch my auto insurance company if I am in the middle of my policy with another company? Any penalties?

Technorati Tags: ,

gambitleblanc asked:


My roommate and I each have a car but we don’t share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I should add people living with me, but his driving record is bad and I don’t want it to raise my premium. The agent said that anyone who doesn’t live with me can drive my car and they’ll be covered, but because my roommate lives with me, he won’t be covered even though he has a different policy.

Technorati Tags: , ,

RooftopComedy asked:


Wefilm stand-up comedy seven nights a week from the best comedy clubs in the world. Everyday we bring you our top picks, uncensored access to the biggest headliners, and a first look at the new voices of comedy. Watch the best in comedy free on your phone at m.rooftopcomedy.com Follow us on twitter: www.twitter.com/rooftopcomedy Name: RooftopComedy.com Website: www.rooftopcomedy.com … eddie gossling magic show trick optical illusion wine tasting crash DUI drunk driving bald receding …

Technorati Tags: , ,

 Page 1 of 4  1  2  3  4 »