C
insu
nce c
n be confusing.e kno
, becuse
e del
ith c insunce clims e
chnd eve
y dy,
nde’
e still lening nethings!
The
e e so mny diffe
ent options out thee fo
dive
s to choose fom,
nd the legl
equiements v
y f
om stte to st
te, buts
lys,e’
e hee to help.
Tod
ye t
ckle the top 10 most common c insunce questions.-
h
t detemines c
insu
nce p
ices?hy does my insu
nce p
emium keep going up?<h2>
<
hef=”https://c
inju
yvictims.comepisode-8-ho
-to-find-the-ight-c
-insu
nce/”>C
insu
nce
> tes e detemined by m
ny diffeent f
ctos, including you
ge, gende
, cedit sco
e, hooften
nd hof
you d
ive, youvehicle,
nd youccident histoy. Ove
time, youinsu
nce policy c
n get moe expensive if you get into multiple
ccidents oh
ve clims
hee you’
e detemined to be
t fult.
dding multiple dive
s ovehicles c
nlso inc
ese you
c insunce pemium.
- t=”2″>
-
Ho c
n I lo
emy c
insu
nce p
emium?<h2>
The best
y to lo
eyou
pemium is to d
ive sfely so you c
nvoid
negtive cl
im histoy. Some insu
nce comp
nies offe“good d
ive” discounts th
till lo
eyou
pemium fo
diving
cet
inmount of time
ithout mking
clim.
nothey to potenti
lly loe
youp
emium is to instll
device in youvehicle th
t tnsmits dt
bout you
diving h
bits bck to the insu
nce comp
ny. Bened, ho
eve: the info
mtion t
cked on the device m
y be usedg
inst you in the event ofn
ccident!nothe
good technique to mke su
e you’e getting the best
vil
ble pemium is to shop
ound pe
iodiclly. E
ch insunce compny h
s“t
get” c
itei
foho they pefe
to insue,
nd yousuit
bility my ch
nge ovetime. Fin
lly, some insunce compnies
ill offediscounts if you insu
e othethings — like you
home obo
t —ith the s
me compny.
- t=”3″>
-
Is it o
th it to shop
ound
nd compe tes?<h2>
You’d be su
pised!
s mentionedbove, e
ch insunce compny h
s the “pefect” pe
son they nt to insue. This diffe
s fom comp
ny to compny,
nd tget demogphics shift ovetime. The best
y to m
ke sue you’
e getting the loest
te is to comp
e identic
l covege fom diffe
ent insunce compnies.
eecommend
evieing cove
ge
nd comping picing on
nnnu
l bsis.
- t=”4″>
-
Ho does my job
ffect my c
insu
nce
te?
Insu
nce comp
nies collectnd use
lot of dt
hen dete
mining hoto set p
emiums. Jobs tht
ttct younged
ives (lifegu
ds,
itst
ff, constuction
oke
s, fcto
yo
kes, etc.) c
n ince
se pemiums due to the
ssumption tht h
ving tht job me
ns you e younge, even though th
t my not be the c
se.-
Ho
does my zip code
ffect my c insunce te?<h2>
Did you kno
tht ch
nges inccident st
tistics in yousu
ounding
e
cn h
ven effect on you
pemium?
hee you
eside isl
ge dete
mining fcto
in setting tes. Ub
n es usu
lly hve highe
pemiums th
nu
l
e
s due to theist
tisticlly highe
chnce of
ccidents, vnd
lism,nd theft.
- t=”6″>
-
h
t is
deductible? Hodo you choose one?
n
mount you’ll hve to p
y out-of-pockethen m
king cet
in types of insunce clims. You should choose
nmount th
t you knoyou
ould comfot
bly beble to p
y, should you eveneed to m
kecl
im. Tht being s
id,lo
edeductible
ill genelly cuse you to h
vehighe
pemium. M
ke sue to b
lnce potenti
l svings vs.
ht you could
ffod to p
y in the event ofcl
im.lso, keep in mind th
t if you e finncing you
vehicle, the lendeillequi
e you to mint
in cet
in insunce on youvehicle
ndill limit ho
high you cn m
ke youdeductible. Ultim
tely, the choice is up to you.-
h
t is the diffeence bet
een compehensive cove
ge
nd collision covege? Hodo I choose?
Comp
ehensive covegeill cove
dm
ges to youvehicle stemming f
om events outside ofeck, like flood, h
il, otheft. Collision cove
ge
ill py fo
theep
is to you
vehiclefte
n
ccident, no mtte
hose f
ult it is. Choosing youlevel of cove
ge depends on you
on pe
sonl situ
tion. If you hve
nice nevehicle th
t you nt to potect f
ome
theo
theft, you should choose compehensive cove
ge. Ho
eve, if you
vehicle is oldendl
edy h
sfe
dents, collision covege my be
dequte. Often, insu
nce comp
nies offecomp
ehensivend collision cove
ges togethe
s
bundle.-
h
t is gp insu
nce?
If you get into
nccident, g
p insunce exists to covethe diffe
ence beteen
ht
vehicle is cuentlyo
thnd the
mount you still oe on it. If you’
e still pying off you
vehicle, gp insu
nce is
oth it — especi
lly if themount you o
e on youvehicle is mo
e thn the
mount the vehicle iso
th. Most of us hve he
d the ide
tht
nevehicle loses signific
nt vlue the minute it’s d
iven off the dele
’s lot,nd it’s t
ue. If you e buyingne
vehiclend only putting
smll
mount don, o
if you e “olling”
bl
nce into finncing on
nec
you
e pu
chsing,
e highlyecommend g
p insunce.-
h
t is PIPuninsu
ed motoist cove
ge?
ht
e the doll
mount limits I see on my policy? (Exmple: 25/50/25)
PIP st
nds fo“<
hef=”https://c
inju
yvictims.comshould-i-use-my-pe
sonl-inju
y-potection-pip-cove
ge/”>pe
sonl inju
y potection
>.” It coves medic
l expensesnd, in some c
ses, lost gesnd othe
dm
ges. PIP is designed to be pid
egdless ofho
s “
t fult.” This me
ns even if you cused
nccident, you
insunce's PIP cn help p
y foyou
medicl bills
nd otheexpenses. Uninsu
ed motoist cove
ge helps p
y fod
mges c
used byd
iveho does not hve c
insu
nce.
n insunce covege limit sttes the m
ximummount of money
n insunce compny
ill py fo
hen you file
vlid cl
imith them. Insu
nce limits
e
epesented on you
policy by thee consecutive numbe
s,efe
ing to the limit of p
youtmounts fo
diffeent d
mge c
tegoies. In ou
exmple 25/50/25, this me
ns the policyill p
y up to $25,000 in injuies pe
peson, $50,000 in inju
ies peccident,nd $25,000 in p
opety d
mge pe
ccident.
- t=”10″>
-
Do I still need c
insu
nce even if I don’t d
ive often?<h2>
Yes. Look into p
y-pe-mile c
insu
nce pl
ns like <h
ef="http:/met
omile.com" tget="_blnk”
el="noopenenofollo
">Metomile
>.ith these pl
ns,device is inst
lled in youvehicle to t
ck ho
mny miles you d
ive,nd you
e billed
ccodingly inste
d oft
fixed monthly pemium. This c
n sve you tons of money if you do not d
ive often.Don't t
ke ch
nces. Tke
ction.<h3> tt -desc ption- chment-70081″ style=” ss=” ption ight”> p-im c=”https://c inju uplo 2020/02/Ste tto lt=”Ste tto idth=”155″ height=”179″ s /c inju uplo 2020/02/Ste tto , https://c inju uplo 2020/02/Ste tto ” sizes=”(m idth: 155px) 100v > ption- chment-70081″ cl p-c tto h /c inju ou m/ste “>Ste figc figu e you h top ten most common <
ef=”https://c inju cost-of-c -insu nce- – “>c insu nce
ns ed. de it e to m in p cove ge ke info find you <
ef=”https://c inju se c – tto “>c ling n insu nce comp nd juggling set of questions, ssu e e he you. ch out h /c inju cont “>f se ev tion
ccident c nge you n one victo ith us.
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