Car insurance quotes: Personal Injury Protection Coverage

Accidents are always inconvenient, sometimes expensive, and never what you planned. Which is why planning ahead can make a huge difference in the weeks and months following an accident where you're injured.

Personal Injury Protection coverage (or PIP) not only covers reasonable and necessary medical and hospital expenses, it can also help you with income continuation, loss of services, funeral expenses, even child-care expenses while you’re healing.

(If you’re interested in adding this option to your policy, keep in mind that the types of expenses PIP covers can vary from state to state.)

Other Coverages

Choose any of the following options that might suit your individual circumstances best and build an auto insurance policy that helps fit your needs.

Liability Coverage — If you’re at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.

Collision Coverage — helps pay for repairs or replacement to your car if you’re in a covered accident that involves other vehicles or stationary objects.

Comprehensive Coverage — helps pay for covered losses caused by natural disasters, theft, vandalism, or other similar events.

Underinsured/Uninsured Motorist Coverage — helps protect you if the covered accident was another driver’s fault and s/he either has no auto insurance, or not enough insurance to cover the expenses.

Medical Payments Coverage — helps pay medical bills if you or your passengers are hurt in a covered accident. This option may also cover other members of your family when they’re driving the insured car.

Limits and Deductibles — will apply to certain types of coverage. Your Limits and Deductibles determine how much your insurance company will pay and how much you’ll have to pay when you make a claim for a covered accident.

Additional Coverage Options — can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage*, Rental Car Reimbursement* Coverage, Sound System Coverage*, or Tape/CD Coverage*. The choice is yours.

source

Car Insurance - Car Accidents can inflate car insurance price - 06/11/2008

It has been revealed that car drivers who have an at-fault car accident could result in having their car insurance premiums hiked up by more than 60%.

This statistic was taken from a website which showed 10 million quotes from users, looking at the effects of having made an at-fault claim on their car insurance.

The study also found some surprising results. For example, the research found that bus conductors and GPs were the professionals that were most likely to have a road accident, but less than 1.5% of driving examiners were to blame for an accident.

In contrast to this, au pairs and magistrates were the least likely professions to be involved in a collision, thus they presented a low risk.

Peter Gerrard, head of insurance research stated: “When an insurer risk assesses a driver, any history of accidents will no doubt mean motorists pay more.”

source

Car insurance quotes: Liability Coverage Offers Serious

Liability Coverage Offers Serious
Protection for Serious Peace of Mind

If you’re at fault in an accident, you could be held legally responsible for all medical and repair costs for everyone involved. Liability Coverage can shield you from these potentially devastating expenses.

Protection for People, Property, and the Unexpected

Bodily Injury Liability Coverage

If people are injured in an accident that’s your fault, Bodily Injury Liability coverage helps protect you from bills that can include:

• Emergency aid at the scene
• Medical expenses for bodily injury
• Medical services for sickness or disease
• Compensation for loss of income
• Funeral expenses
• Legal defense fees and/or bail bonds for anyone listed on your policy
• Other expenses not listed here

If you’re interested in carrying this coverage, but aren’t quite sure how much coverage is right for you, you might want to consider purchasing the highest limit you can comfortably afford.

Property Damage Liability Coverage

If another driver's property is damaged in an accident that’s your fault, Property Damage can help pay for their:

• Structural damage to homes, storefronts, etc.
• Repair or replacement costs for other stationary objects
• Vehicle repair or replacement costs

It can also help keep your assets safe in the event of a lawsuit resulting from a covered accident.

If you’re interested in carrying Property Damage Liability protection, you might want to consider purchasing the highest limit you can comfortably afford.

Property Protection Coverage (PPC)

PPC is a unique option available only in Michigan.

This coverage will pay up to $1 million for very specific kinds of property damage you’ve caused in an accident, such as:

• Damage to buildings
• Fences
• Properly parked cars

Other Coverages

Choose any of the following options that might suit your individual circumstances best and build an auto insurance policy that helps fit your needs.

Collision Coverage — helps pay for repairs or replacement to your car if you’re in a covered accident that involves other vehicles or stationary objects.

Comprehensive Coverage — helps pay for covered losses caused by natural disasters, theft, vandalism, or other similar events.

Underinsured/Uninsured Motorist Coverage — helps protect you if the covered accident was another driver’s fault and s/he either has no auto insurance, or not enough insurance to cover the expenses.

Medical Payments Coverage — helps pay medical bills if you or your passengers are hurt in a covered accident. This option may also cover other members of your family when they’re driving the insured car.

Personal Injury Protection — typically helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states)

Limits and Deductibles — will apply to certain types of coverage. Your Limits and Deductibles determine how much your insurance company will pay and how much you’ll have to pay when you make a claim for a covered accident.

Additional Coverage Options — can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage*, Rental Car Reimbursement* Coverage, Sound System Coverage*, or Tape/CD Coverage*. The choice is yours.

source

Car insurance quotes: Helping Teen Drivers Become Safe Drivers

Young drivers are the most vulnerable drivers on the road. Which is why we’re committed to keeping them safe — with special product points for parents of teen drivers, and ways to start that all-important conversation about teen driver safety.

To start the conversation now, check out Allstate's exclusive Interactive Parent-Teen Driving Contract.

Safety First

We all want the best for our kids, but statistics show that young drivers are the most likely to be involved in an accident. So if you’re buying a car for your teen, make sure it has a high safety rating. (It can help keep your auto insurance premiums down, and increase your child's safety on the road.)

Graduated Drivers Licensing laws are designed to limit teen driving privileges until your new driver gains experience on the road. (These laws can vary from state to state.) Some common restrictions include:

• Learner’s permit or intermediate license requirements
• Nighttime driving restrictions
• Required hours of adult supervision while driving
• Suspension of driving privileges with a crash
• Additional training requirements after a crash or ticket
• Seat belt requirements for drivers and passengers
• Restrictions on the number of passengers allowed in a car
• Mandatory driver education
• Tougher drunk-driving penalties

Helping Your Young Driver Succeed

Some new drivers need extra learning time. Only you can decide whether or not your teen is ready to drive without adult supervision. Keep your new driver safe by setting, and regularly communicating consistent rules about when, where, how, and with whom your teen is allowed to drive.

• Limit the number of passengers in the car. Laughter, music, and cell phones can create serious distractions — which increase with every additional passenger.
• Establish and enforce a curfew.
• Insist that your driver (and all passengers) wear seat belts at all times. They may not be “cool,” but seatbelts save lives. (And, in some states, they’re law.)
• Create a no-cell zone. Talking on the phone is a dangerous distraction on the road for drivers of any age. Know the applicable laws in your county or state, as these are changing rapidly and fines can be significant.
• Consider limiting or supervising your teen’s driving privileges during accident high-risk times (such as Friday and Saturday nights).
• Set driving-area limits. If your teen wants to travel outside your town or city, require that he or she request your special permission.
• Prohibit driving under the influence of drugs or alcohol. Prohibit riding as a passenger with a driver who’s unfit to drive. Encourage your teen to call for a ride home if needed.

source

Car insurance quotes

Buying Your First Car?
Here's What You Need to Know

You made some important choices about your new car. Now you need to make some equally important choices about your auto insurance. If you want the right coverage, without paying too much, here are some things to think about.

Owning a new or used car can make a difference when it comes to insurance. Especially if you’re looking for valuable discounts.

At Allstate, we offer a discount for new cars. And check out our New Car Replacement feature available with Your Choice Auto^®. If your new car gets totaled within the first 3 model years, you can get a new car — not just the depreciated value.

Check out your car’s safety features, too. Certain factory-installed features might save you money. (We offer discounts for passive restraints, air bags, and anti-lock brakes.)

And for a better look at Allstate’s auto insurance policy options, discounts, and other coverages, get a Ballpark Estimate online. It only takes a few minutes, and you don’t even have to give your name, email address, or other personal information.

Auto Insurance Can Also Help Protect People - Including Yourself.

Make sure you have enough protection to cover expenses if you or one of your passengers gets hurt in an accident. Even if you have health insurance, you should consider the following three coverage options as part of your complete auto insurance policy, as these policy features cover you, and the people in your car:

• Medical Payments Coverage
• Uninsured / Underinsured Motorist Coverage
• Personal Injury Protection (not available in all states)

You also need to protect yourself financially. Liability Coverage helps protect you and your assets if you’re found to be at fault in a covered accident.

And, of course, you’ll want to protect your car.

We offer two kinds of auto insurance coverage that work together to give you powerful protection:

• Collision Coverage — helps pay for repairs to your car if you’re in a covered accident that involves other vehicles or stationary objects.
• Comprehensive Coverage — pays for covered losses caused by natural disasters, theft, vandalism, or other similar events.

(Remember that Coverage Limits and Deductibles apply to each coverage option: these amounts determine how much your insurance carrier will pay, and how much you’ll pay when you make a claim.)

Be Sure to Keep a Look-out for Additional Savings.

Allstate offers as many as 15 different discounts — for good students, having both your home and auto insured with Allstate, new cars, safe drivers, and more. Get an auto insurance quote and see how many discounts you qualify for. Or, you can call 1-866-621-6900 to get a quote over the phone.

source