Personal auto insurance can be quite confusing. It’s really several different kinds of insurance rolled into one car insurance policy.

Liability is one of the most important car insurance coverages you can buy.

Generally speaking, if you are found liable in a court of law for injuries or damages sustained by other people, your liability car insurance pays your defense costs and judgments against you… but only for covered auto insurance claims up to the limits you’ve purchased.

With personal auto insurance there are two primary liability coverages.

• Bodily injury (BI) liability protects you when your actions physically injure someone else.
• Property damage (PD) liability protects you when your actions damage property that does not belong to you.

Take some sound advice.

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As the OFT announced on Thursday an investigation into soaring car insurance premiums – 30 per cent higher across the board over the last year, according to the AA – evidence suggests motorists are embracing new technology as a way to cut the cost of cover.

Telematics uses an in-car box that records and analyses our driving styles and provides information that can be used to personalise premiums. Several insurers are introducing telematics to encourage younger drivers in particular to drive less aggressively and earn reduced premiums as a result. The logic is simple: careful drivers make better insurance risks.

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The cost of car insurance for women is often much much cheaper compared to men’s insurance. Most vendors believe that females are more cautious on the road, so less likely to file a claim. While this may seem dishonest to men, statistics show that women simply pose less financial risk to the insurance company, and they are rewarded for it through additional reduction. Cheap car insurance is provided for women, because they are not only much less likely to be involved in a collision or clash, but they take better care of their cars.

The statistics show that most women have one or two committed violations of traffic while men tend to have more than three violations. Full Post…

Even though car insurance is generally affordable, it is very easy to reduce the insurance premium even further and save thousands on an annual basis. If you are serious about getting maximum auto insurance coverage without paying high insurance premiums, apply these top car insurance money saving tips we are about to discuss in this article.

The best way to enjoy affordable car insurance is to start by finding the best car insurance deals on the market. You can easily discover the best auto insurance rates using available online tools to help you. Full Post…