Tag Archives: insurance


Where to Buy One-Week Car Insurance and Multiple Car insurance

Published by:

multiple car insurance

A. How multiple cars can alter your insurance rates

As an Esurance customer, you can add up to 4 cars and trucks on a single policy. Specific makes and models can increase your policy rate to varying extents, although the increase is sometimes small.

Some cars are considered safe, but their post-accident repairs may be relatively expensive. Hybrid models can fall into this category because of the complex and specific parts required to make their engines operate.

Since each car is different, the only ways to gauge how your rides will affect your rate are to check with your insurer or get a new quote.

Vehicle safety discounts

One way to help offset rate increases — other than sticking to Top Safety Picks — is to drive cars that are loaded with safety features. Insurers like safety features, so antilock brakes, anti-theft devices, and daytime running lights are a few features that could score you a safety-device discount. Check with your insurer to see if your cars help you qualify.

Multi-Car discount

We know shelling out big bucks for the newest and safest car isn’t always an option. With the Multi-Car discount from Esurance, the more cars you’re looking to insure, the more you’ll be able to save.

If the discount is available in your state, we’ll automatically add it to your policy when you add multiple vehicles. Simple as that.

your coverage options when you insure multiple cars

As a general rule, you want the most coverage you can comfortably afford in case the unexpected happens. Whenever you add a car or truck to your policy, reconsider your coverage selections.

Adding comprehensive and collision coverage

The value of the cars you insure will affect these coverages, which protect your vehicle or replace it in the event of a serious accident.

With any car, there’s some risk for a fender bender, water damage, a major accident, or theft or vandalism. Comprehensive and collision coverages offer financial protection from these incidents (and others, like animal-related collisions). They’re typically optional unless a loan or finance company requires them.

Each coverage can pay up to the actual cash value of your car, minus the deductible you select. So if you add a $60,000 car to your policy, comprehensive and collision coverage can cost more than they would for a $6,000 car.

Find out more about comprehensive and collision coverage here.

Adding uninsured/underinsured motorist property damage coverage

These coverages are designed to help pay for repairs after you’re hit by an at-fault driver who lacks the liability coverage necessary to cover repair costs. A 2011 report from the Insurance Research Council estimated that 13.8 percent of U.S. drivers were uninsured, making this coverage that much more valuable.

Find out more about uninsured/underinsured motorist coverage here.

Liability coverage

Liability can help pay for post-accident expenses for others after you’re found at fault in a crash. Depending on the vehicles you’re adding, consider whether your liability limits are where you want them. Some cars and trucks can cause more damage in an accident than others.

Find out more about liability coverages here.

Adding alternate coverages

You may be interested in customizing your coverages even further for certain cars. If you have a teen driver, for instance, emergency road service (ERS) could provide added support in case your child gets stranded. And if you’ve tricked out one of your cars with gadgets and add-ons, you might want to get customized parts and equipment coverage.

Additional coverage options vary by state. You can see what’s available in your neck of the woods in our state car insurance pages.

Coverage stacking

In some states, you may have the option of increasing your level of protection through stacking. What is stacking? Essentially, it lets you boost your coverage amounts based on how many cars you’re insuring.

For example, say you had limits of $50,000/$100,000 on your uninsured motorist protection. If you added a second car to that coverage, you might be able to double that to $100,000/$200,000.

This varies by state, so if you’re interested in stacking, check with your insurer to see if it’s a possibility.

start your multi-car insurance quote

Now that you know how to tailor your policy after adding new cars (and some of the benefits of doing so), there’s no reason to wait. Find out what your new and improved policy will cost by getting your free, easy quote.

Source : esurance.com

Where to Buy One-Week Car Insurance

One week car insurance is available; however, it is not available everywhere. Many people would not believe it unless they did the research. There are many reasons a person may have a need for short-term car insurance.

Online car insurance rates are available at your request, with simply your ZIP code to get started!

Short-term coverage may be purchased from one to twenty-eight days. Although in some states, this range may be longer where this coverage is available. Some short-term car insurance may be available up to six months. It depends on the state where you are inquiring or driving.

Each state has different driving laws, and regulates them through the State DMV, State Corporation Commission, and State Insurance Commission. Some states may even use temporary insurance versus short term insurance. These descriptions are interchangeable in the states where it exists.


B. One-Week Car Insurance: The Premiums

Short term or temporary car insurance serves a temporary need, and usually cost more as a result. There is no long-term commitment or premiums for the insurer. The benefit to the policyholder is there is no long-term commitment of premiums. Premiums are paid in frequent increments of bi-monthly or advance payments. READ MORE HERE


Comment choisir son assurance moins chère automobile dans votre pays

Published by:


Vous envisagez de vous acheter une nouvelle voiture. Avant de vous lancer, examinez avec soin les contrats d’assurance automobile que vous allez souscrire. Et si vous êtes déjà propriétaire d’un véhicule, passez à la loupe votre contrat actuel. Car il est possible de faire de belles économies, en changeant de formule ou d’assureurs.

Faîtes jouer la concurrence
En changeant régulièrement votre contrat pour l’adapter à votre situation et à votre véhicule, vous pourrez payer moins cher ou être mieux couvert. Pour faire jouer la concurrence – tous les deux ans environ – deux solutions : passez par un comparateur d’assurances internet (Misterassur – partenaire de Capital.fr -, Assurland, Hyperassur…) ou faîtes appel un courtier physique.

Ces spécialistes vous proposeront les offres les plus adaptées à votre profil, en les classant par niveau de prime. Attention toutefois à ne pas vous focaliser sur le seul prix, car l’assurance la moins chère n’est évidemment pas forcément la meilleure. « Il faut toujours comparer le rapport qualité/prix, c’est-à-dire les garanties offerts pour le prix demandé, en intégrant tous les frais supplémentaires des options essentielles à souscrire », précise Arnaud Giraudon, président du courtier A comme Assure.

Adaptez votre contrat et vos niveaux de franchises
Pour sélectionner le contrat le plus adapté, commencez par examiner avec attention votre situation et votre véhicule. Il ne sert à rien, par exemple, d’assurer une voiture ancienne en tous risques, car cela vous coûtera trop cher pour les garanties proposées. De la même façon, si vous conduisez plusieurs heures par jour un véhicule récent, il convient de prendre la couverture la plus importante.

Il existe principalement trois formules de contrats, qui s’emboitent les unes dans les autres : l’assurance « tous risques » inclut les options de la « tiers étendu », qui elle-même assure davantage que la « tiers de base ». Notez, par ailleurs, que tous les contrats sont personnalisables, et permettent de rajouter des options, moyennant facturation supplémentaire. Enfin, sachez que pour faire baisser votre tarif, vous pouvez toujours jouer sur le niveau des franchises proposées. Plus leur montant est élevé, moins le tarif de votre assurance sera fort. En revanche, cela signifie que vous devrez débourser des sommes plus importantes en cas de sinistre.

Source : Capital.fr