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Here are some Car insurance frequently asked questions. Do you have another question that is not answered here? You can post it on the forum or email me directly!

What are Car Financial Responsibility Laws?
This is the state law that says you have to prove that you are financially able to pay for anything you may be responsible for while driving your car.

What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?
That depends on the state you live in. Most states have stringent laws about having car insurance and if you don’t choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines.

Is anyone who drives my car covered?
What are the best liability policy limits?
What is the difference between comprehensive and collision?
What are the minimum requirements?
Why does my insurance cost more than my agent said it would?
How does my driving record affect my insurance premium?
Why is it harder to get insurance with bad driving records?
My car was totaled and my policy did not pay for all of my car, why?
What happens if my loan was more than my company says my car is worth?

My teenager just got his license, does he need to be insured?
What do insurance companies consider when deciding cancellations?
Does everyone have to have auto insurance?
Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

What does a Comprehensive Auto Insurance Policy cover?Well, that is not really a tough question to answer.In fact there is a solid answer for that question.Auto assurance is not just about protecting the vehicle against harm due to an accident, it is also chief to guarantee the people meeting inside the car. A third gathered obscure or fire and theft case will not shield the individual against delicate injuries or losses. Thus, a comprehensive assurance strategy is a must buy for all car owners. Additional benefits included in a comprehensive Malaysia vehicle disguise statement are:

# Unlimited liability coverage against ruin or injury to other people.
# Covers trouncing or injury to car stereo, receiver, transmit pilot.
# Extended fire and theft traverse
# Coverage for voyage trips to strange countries
# Guarantee on repair work and automobile parts.
# Breakdown assistance.

An individual has the option to buy any of these covers one’s individual requirements. The expense of the strategy rises with the degree of face. An individual can opt for some events to reduce down the statement premium. By raising the deductibles, the premium can be condensed. Deductibles are the allocate of the demand that the policyholder has to pay before the assurance group starts paying. Having a good major trace and following the passage rules earn discounts for the driver.

Standard Malaysia sedan indemnity has certain exclusions to the document cover. These exclusions comprise liability against the people session in the insured car other than the policyholder, break due to real disasters, such as floods or storms, and acts of vandalism.

Moms and Dads always asked the car insurance agent this question.Why is car insurance so high for teenagers?First of all, please bare in mind that teenagers are not that experience to convince a car insurance company to lower down the car insurance pays.

A young driver is usually not as experienced as an older one. In addition, you’ll agree that younger drivers typically try funny things on the road if only to show off to their colleagues (Insurance companies call such funny things recklessness and they make them pay higher car insurance premium).

All these, put together, increase the probability that a teen driver will crash a car. To further confirm this inclination, statistics show that teenagers are involved in more car crashes than the sum of all other age groups!

If you’re worried about the cost of insuring your teenager, here’s good news. Your teen will attract lower auto insurance rates if they do the following…

1) Raise their deductibles.

2) Get good grades in school.

3) Be made the primary driver on the family’s oldest or cheapest car.

4) Take a course in defensive driving.

5) Use a smaller cheaper car.

6) Use a car that has a high safety rating.

7) Get and compare auto insurance quotes from a minimum of three insurance quotes sites.

If your teen does all these, they’ll reduce the high risk associated with them and end up with lower auto insurance rates.
Hope this will help you choose wisely which car insurance company you will want to subscribe for your teenagers.Also, you can always try out all listed ways to lower down you car insurance rates save some money.

There is no definitive ‘best’ first car, as every insurance company has their own set of rules when working out how much to charge for car insurance. However, we can give you a few tips to help you get a better car insurance deal.

* Get a car with a small engine, for example a 1.1 litre rather than a 1.6 litre, which is normally in a lower insurance group rating. You’ll also tend to pay less road tax for a small engine car.
* Stick to a basic or mid range specification car as these usually have a lower insurance group rating and avoid any performance models e.g. GTI, SXI, Sport.
* Avoid any modifications (upgrades to enhance styling, audio or performance), not only are modified vehicles more attractive to car thieves, they tend to be more expensive to fix and can increase your level of risk and premium.
* Add a second driver (named driver) to the policy, over the age of 25 with a clean license. Parents are usually a good idea and with women being cheaper to insure than men, mums are usually best!
* Get a Pass Plus certificate. Lots of insurance companies offer discounts to new driver who participate in the scheme.
* Increase your voluntary excess. Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance policy.

It’s standard for most insurance companies to ask the question about non-motoring convictions. It gives an indication of the moral hazard/risk of the insured. For example, if a driver had been found guilty of dishonesty, fraud or theft then the insurance company is less likely to accept them as a policyholder because of this or will charge more for a policy.

However they don’t ask for the specific details of the non-motoring conviction as there are too many to choose from and they are constantly changing, instead we just ask if you have a non-motoring conviction.

Please note: Spent convictions don’t need to be disclosed under the Rehabilitation of Offenders Act 1974