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Will They Cancel My Policy?

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I have had 3 accidents and gotten 2 speeding tickets in the past 2 years. Can my car insurance company cancel my policy?

Yes, your auto insurance provider can cancel your policy at any time if you have filed too many claims or have become too risky to insure by being convicted of too many traffic violations. If your company cancels your policy it will be hard for you to find another company to insure you that doesn’t charge you outrageous rates. You could try taking a defensive driving course to help lower your rates. You need to contact your car insurance company to see what you can do to prevent them from dropping your auto insurance coverage. Try to avoid any more accidents and tickets and your auto insurance rates should go down over time.

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Totalled Vehicle

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I just bought a car and purchased an auto insurance policy. What will happen if my car is totaled in an accident?

That just depends on the type of car insurance coverage you have. If you only have liability coverage then your insurance company will not pay for any damages to your vehicle. If you have physical damage insurance coverage your car insurance company will determine how much to give you for your vehicle. Most insurance companies determine this amount by looking at the actual cash value of your vehicle. The actual cash value is the amount of money required to replace your car less any depreciation.

As you can imagine, it is quite common for the insurance company and you to disagree on the amount of money you should receive for your vehicle. If you have a loan on your car and are worried that you might be upside down in your loan you might want to consider getting gap insurance. Different insurance policies have different amounts of coverage, so you should read your policy to see how much coverage you have.

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Should I Get Gap Insurance?

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I bought a new car recently. Should I consider getting GAP insurance? How does it work?

Gap insurance is something you might want to consider if you have financed or leased your vehicle, and will provide you with very valuable protection by bridging the gap between what your regular auto insurance company will pay you for your vehicle and what you owe on the vehicle loan in the case of an accident or theft. This type of insurance will provide you protection against accident, theft, flood, tornado, fire, vandalism, or hurricanes. Typically, insurance companies will only offer the cash value of your car not the retail value which can cause problems if you owe more money on the loan than the insurance company is willing to give you.

Let’s say for example that you buy a new car for $30,000 with no down payment, and 9 months later you get in to a car accident and total your car. At this point you owe $27,000 on the car but your insurance company only wants to give you $25,000. Gap insurance would pay that additional $2,000 for you so you don’t suffer any losses. Some gap insurance policies will even pay the deductible for your regular auto insurance so you don’t have to.

Gap insurance is definitely something you should consider to protect yourself financially. Most auto insurance companies do provide gap insurance, so you might want to ask your current insurance provider about getting a gap insurance policy set up.

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Why Did My Rates Go Up?

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I just bought a new car and the insurance is more expensive than my old car. Why does the auto insurance cost so much if this car is cheaper than the one I had previously?

There are a number of reasons why your auto insurance could have increase when you bought your new car.The make and model of the vehicle have a large impact on your car insurance rates.Insurance companies don’t just look at how expensive the car is.They look at other factors like how likely the car is to be stolen or how easy it is to break in to.There are numerous lists out there of the most frequently stolen cars, so you might want to check to see if your car is on there.Some cheaper cars have less expensive parts but suffer serious damage in even minor wrecks due to poor craftsmanship, so this could be another reason why your rates went up.

You should ask your insurance company why your rates went up if you have any doubts or feel like you could be over paying.It is always a good idea to compare free car insurance quotes online before you purchase a car just to make sure the insurance costs are affordable.

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New Car Insurance

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What are some important factors to look for when buying a new car? How will these factors affect my auto insurance premium?

In general it’s a good idea to look at things like interest rate, monthly payment, gas mileage, quality, and the cost of car insurance before you purchase a new vehicle.Your car insurance rate can vary greatly depending on what kind of car you drive.You should think about things like is the car foreign made? How expensive are the parts to fix? Does it have good safety features such as airbags, alarm system, etc.? How much horsepower does it have?All of these factors could lower or increase your rates.

The best thing you can do is a bit of research. It’s never a good idea to rush in to buying a car just because the price is right.You have to think about all of the costs involved in owning a car, and you don’t want to buy a new car only to realize that you cannot afford the insurance.I would compare free car insurance quotes from at least 3-5 different insurance providers to get a good idea of how much insurance will cost you for a particular car.

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PLPD Car Insurance

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What is PLPD insurance?

PLPD car insurance stands for public liability and property damage, and it is usually the minimum amount of car insurance coverage required by the state.This type of coverage is basically the same thing as property damage and bodily injury liability insurance.PLPD auto insurance provides coverage for damage that you do to someone else’s property and covers you if your car causes any injury or death to someone.PLPD insurance does not provide coverage for any damage to your vehicle in an accident or for theft or vandalism.

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