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What’s Collision Car Insurance
Opponents of compulsory insurance believe that it is not the best way to allocate risk among drivers. New Hampshire and Virginia do not require motor vehicle insurance. In New Hampshire vehicle owners must satisfy a personal responsibility requirement; instead of paying monthly premiums, and prove that they are capable of paying in case of an accident. In Virginia vehicle owners may pay an uninsured motorist fee. In Mississippi vehicle owners may post bonds or cash. Many insurance companies oppose compulsory auto insurance, for example: the NAII (National Association of Independent Insurers). State Farm opposes compulsory auto insurance because it forces poor to choose between groceries and insurance. A study done by Dr Robert Maril showed that, in a poor area of Arizona, 44% said they had trouble buying food or paying rent due to auto insurance. A survey done by the Montana DPHHS showed 12 of the 96 surveyed said auto insurance was a reason for needing food stamps.
These days, more and more auto insurance companies are opening up shops on the internet. The internet is seen as a marketing and advertising channel with the maximum reach today. Majority of the nation today is doing its shopping online, be it groceries, Christmas gifts, electronic consumer goods, clothes, loans, credit cards even! As such, it only follows logically that people would like to buy their insurance for car too on the internet.
This is perhaps one of the most important questions to ask while making the final selection. If a company is not able to provide timely aid in the event of a claim, then low cost means nothing at all. Adequate customer support systems in place, financial ability to provide instant aid against a claim, sufficient technical expertise and a proven track record are but a few of the essential points to verify on when taking your pick from the list of auto insurance companies.
Insurance companies are always advertising how great their discounts are trying to get your attention. If you want the insurance companies best price, besides having a clean driving record and properly managing your finances, you may qualify for many of the discounts that are offered by many insurance companies. Mostly all auto insurance carriers offer multi policy, multi car, good driver, good student, claim free and homeowner discounts .In this article I will discuss the characteristics of each discount. The actual percentage of each discount may vary between insurance companies.
