After investigation, you’re determined to be "at-fault" for the accident. So, your auto liability insurance will now pay for the damage to the car you hit, as well as for the medical bills — and other costs — associated with the driver and her passenger’s injuries. Those “other costs” include pain and suffering, lost wages, even the dog walker or baby sitter needed to help the recovering driver with her day to day responsibilities, until she is healed.
We believe that young drivers get unfairly penalised with high premiums for car insurance for young drivers. Our advisors will help you to find the cheapest car insurance policies that save you the most money. We’ll offer our expert advice on the best cars, mileage and insurance policies to suit you. We can also advise on money-saving systems such as our Dash Cam insurance.
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If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

For those with a provisional driving licence, learner insurance is ideal for helping you prepare for your test with extra driving experience outside of formal lessons with a driving instructor. For learner insurance to be valid, the learner driver must usually be accompanied by someone over the age of 21 that possesses a full UK driving licence that is valid for over three years.


Interestingly, we found that every insurer weighs gender differently when providing insurance quotes. Progressive and State Farm both offer better rates for women overall, while GEICO offers better rates to men. However, the price differences between genders at each insurer are slight—around 4% to 8% each—and the overall price difference among insurers has a much more significant impact than gender does. Women looking for the best deals shouldn't worry too much about choosing an insurer that specifically caters to female drivers, so long as they're checking multiple insurers for the best rates.
How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Federal research shows people are driving more --  the average miles driven per year is on the rise --  and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.


Homeowners aren't the only ones who need insurance. No matter where you live, having insurance protection helps you keep your finances intact by avoiding losses from theft, fire or other events that damage or destroy your personal property. And if you cause an accident that damages the apartment or condo itself, insurance can provide you with important protection in those cases, too.
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