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Top Auto Insurance companies Having a good idea about the major auto insurance companies will help you to take correct decisions when it comes to car insurance. Online Insurance Quotes Online auto insurance quotes provide a clear idea on how much you can expect to pay for car insurance. Motor vehicle Insurance Things to consider while you find motor vehicle insurance Auto Insurance Rates down You must get to know more about gap insurance coverage to ensure that you get maximum benefits.

Tips to find out the insurance coverage Every driver on the road can contribute in their own way to reduce the automobile insurance rates.

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South Carolina Sees Increase South Carolina sees high increase of auto insurance premiums in new year. read more...
Lowest States for Auto Insurance North Carolina has one of the lowest costing auto insurance premiums in the US. read more...
Massachusetts Cuts Auto Insurance Rates For the second year in a row the state of Massachusetts will cut auto insurance costs. read more...
New Study on the Best Drivers Many of the car insurance discounts go to the highly educated professionals such as doctors, lawyers and engineers. read more...

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Auto Premiums by State

There are several companies that offer affordable auto insurance premiums by state, such as Pennsylvania and Delaware. These states have lower premiums and claims compared to states such as New York, Los Angeles or New Jersey. Then there are states that have extremely high auto insurance premiums by state.

There are at least three main reasons why there are states that are know as the best and worst states for auto insurance premiums. One reason is that these states have a much higher accident rate compared to states that do not. For instance, Downstate, New York City, New York is over crowded, especially during morning and evening rush hours. More vehicles as well as commercial vehicles are on the roads. When more vehicles are on the road, there is a greater chance of one having an accident.

Auto insurance premiums by state can be high especially in states that have high animal wildlife populations. This will automatically cause high rates of vehicle damage. Car Insurance companies take this into consideration; this is the reason why there is a vast difference in auto insurance premiums by state.

Insurance companies auto premiums vary simply because some states require what is know as 'comprehensive car insurance' while others just set what is known in the market as 'liability minimums'.

Comprehensive car insurance is when the state that a motorist resides in requires them to invest in a much higher premium. State tax plays a major factor in the difference in car insurance premium rates. California and New York fall into the category of best and worst states auto insurance premiums. California and New York not only are considered states with many congested cities but they also have high tax rates.

Insurers who live in a state with lower taxes, such as Delaware and Pennsylvania, will automatically have a low premium.

So, the requirements set by a motorist state it determines the amount of premium they will be need to pay for automobile insurance in each state in the US. Insurance companies advise motorist to select higher premium rates because in case of an accident they will have better coverage. However, it all depends on one's budget. Motorist are advised to shop around and do research before purchasing insurance. For example, if a motorist lives in an area where the accident rate is very low and they drive a vehicle that it older than six years, it's not extremely necessary for one to purchase at a higher rate. However, if a car owner lives in a congested area such as Los Angeles, California, it may be wise to invest in a higher premium. It will save motorist money in the long run simply because the accident ratio is very high.
Continue to: Tips For Lower Monthly Premiums On Auto Insurance

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Liability coverage is the base of any auto insurance policy, and is necessary in most states. If you are at fault in a road mishap, your liability insurance will shell out for the bodily injury and property damage expenditures caused to others in the road mishap, including legal bills. Bodily injury expenditures include hospital expenses and lost salaries. Property damage expenditures pay for the fixing or replacing stuffs you damaged.

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