Small Business Tax Center
Small Business Ideas, Grants &
Plans to Start & Run a Business:

Small Business Grants
Network in Cyberschmooz Community Ask Questions Questions and Answers Share Tips Small Business Ideas List Your Business Business Advice from Idea Cafe Experts Coffee Talk with Experts Starting A Business Business Plan Biz Planning | Sample Plans Small Business Ideas Idea Name Your Biz Name Plan Your Biz Plan Financing $ Starting a Business Do It! Running your Business Marketing Tips Promotional Merchandise Marketing Tips Marketing | Sales | Customers Human Resources HR | Employees | Contractors Legal Forms & Tax Information Legal | Biz Forms Managing a Business Managing | Operations
Financing Resources Financing Your Business E Commerce & Webhosting eCommerce Take Out Info Trade Publications FREE Trade Publications Business Books Biz Books Your Own Business Small Business News Small Biz News Gen X Biz Gen X Biz Work at Home Work @ Home Business Information The Fridge - Biz Info on Ice Destress Send Awards Send Awards & Greetings Yoga At Your Desk Yoga @ Your Desk Fun Guide Guide to Find FUN Online About Idea Cafe Press Idea Cafe has received Idea Cafe in the News Idea Cafe's Kudos Kudos for Idea Cafe Advertise on Idea Cafe Advertise on Idea Cafe Privacy Policy Privacy Policy Contact Idea Cafe Contact Idea Cafe Link to Idea Cafe Link to/from Idea Cafe Join Idea Cafe
Search Idea Cafe Site Directory Site Map Online directory to business resources Biz Web Guide

Expert Answers to Biz Questions

Listen in! Pick up some expert advice to a reader's question that we selected from CyberSchmooz.

color business bar

Top tips for shopping for car insurance

Shopping for car insurance isn’t easy. It’s easy to get confused about how to shop for it, what to look for, and the types of coverage you need. However, it’s very important to shop smartly and effectively for the best car insurance for you, so you can make an informed decision. Here, we’ll offer some of the best tips for shopping for car insurance.

Know the impact of a ticket

This is very important. Many insurance companies will increase your premiums if you are caught with a moving violation, but not with a parking ticket. In a similar way, not all parking tickets are the same. Depending on the type, you may or may not be subject to a raise in your premiums. This varies by company, so it’s always a good idea to know what your insurance company does.

Your personal belongings are not covered

Let’s say someone breaks into your car. They steal your wallet, your cell phone, and your iPad. You can’t claim the replacement cost of those stolen items under your car insurance. Although the specific coverage details will vary by company and by policy, it is very rare that the contents of the vehicle will be covered under your vehicle insurance. Car insurance is mainly for the purposes of covering damage to the car itself and medical bills resulting from accidents. Coverage for the contents of your car falls under the jurisdiction of your homeowner’s or renter’s insurance.

No-fault insurance isn’t a straightforward matter

Contrary to its name, no-fault insurance doesn’t actually mean that no one is at fault in the event of an accident. Instead, it means that regardless of who is at fault in an accident, the insurance company will pay the claims for the policy holders. The party who is at fault for the accident will likely see an increase in his rates.

The borrower doesn’t pay the increased insurance

If you borrow a friend’s car and you are in an accident, it is not you who will see an increase in your insurance rates, it is the owner of the car. It is the car that is insured, not the driver. It is what happens to the car, not who is driving it, that determines whether insurance rates will go up.

There is a legal minimum amount of insurance that every driver must carry

This varies by jurisdiction, but there will almost always be a legal minimum of insurance that every driver must carry. It’s also important to be aware of the limitations of carrying only the minimum amount of insurance coverage, which typically isn’t enough to avoid having to pay out of pocket in the case of an accident.
These tips should help you to better understand the world of car insurance. Before you sign on the dotted line with any insurance carrier, however, it’s important to get a car insurance quote from each company you are considering so you can compare one to the other.



Small Business Tax CenterIdea Cafe HomeSign UpBiz Grant CenterCyberSchmoozCoffee Talk with ExpertsPeople in Biz ProfilesStarting Your BizBiz PlanningRunning Your BizFREE Trade PublicationsMarketingFinancing Your BizHuman ResourcesLegal & Biz FormsManaging Your BizeCommerceYou and Your BizGen XWork@HomeThe FridgeDe-StressSend an AwardSend an eGreetingYoga @ Your DeskWeb GuideIdea Cafe in the NewsAbout Idea CafeAdvertise on Idea CafeContact UsPrivacy PolicySite MapSmall Biz News

Copyright 1995-2024, Idea Cafe Inc. Downloads are for personal use only, not for resale to others, and may not be reprinted in any form without written permission from Idea Cafe Inc.

DISCLAIMER: We hope whatever you find on this site is helpful, but be cautioned that it may not apply to your own situation, or be totally current at any given time. Idea Cafe Inc. and all of its current and past experts, sponsors, advertisers, agents, contractors and advisors disclaim all warranties with regard to anything found anywhere on this family of websites, quoted from, or sent from Idea Cafe. and its related sites, publications and companies. We also take no responsibility for comments published by others on these pages.

TRADEMARKS: The following are Registered Trademarks or Servicemarks of DevStart, Inc.: Idea Cafe®, Online Coffee Break®, The Small Business Gathering Place®, Take out Info®, Biz Bar & Grill®, Complaint-O-Meter®, A Fun Approach to Serious Business™, CyberSchmooz™, and BizCafe™.