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Top Ten Car Insurance Questions and Answers

Got car insurance questions? Here are the top ten car insurance questions complete with answers.

Do I need car insurance to drive my car?

Yes. All states require you to have liability coverage, and some states require you to have uninsured motorist coverage which insures you against losses from an accident caused by an uninsured, underinsured, or hit-and-run driver. Visit your state's department of insurance website to find out what your state's requirements are.

What's the minimum amount of insurance I need?

The minimum amount of coverage in most states is liability coverage. This includes:

* Bodily injury liability which pays for damages and your legal fees if you're held liable in an auto accident and other people are injured or killed.

* Property damage liability which pays to repair or replace the other driver's car when you cause an accident.

What other coverage should I get?

* Collision coverage pays to repair or replace your car when it's damaged in an accident.

* Comprehensive coverage pays to repair or replace your car when it's damaged by fire, theft, vandalism, or acts of nature.

* Personal injury protection coverage pays medical expenses for you and your passengers when you're involved in an accident. It also pays medical expenses for you and your family when you're injured in another person's car or are walking.

Where can I get cheap car insurance?

The best way to get a cheap rate on car insurance is to compare rates from different companies. There are now insurance comparison websites where you can get rates from a number of companies so you can compare all their rates and choose the best one.

Some of these sites even have an online chat feature where you can get answers to any questions you may have from an insurance expert. (See link below.)

How can I lower my premium?

You can lower you premium by raising your deductible. For instance, raising it from $250 to $1,000 can save you 15% to 50% on your yearly premium.

What's a deductible?

A deductible is the amount you must pay toward a claim before your insurance company will pay.

What discounts are available?

Most insurance companies will give you discounts for:

* Insuring both your car and your home with them.

* Installing security devices on your car such as anti-theft devices and burglar alarms.

* Having a good driving record for at least three years.

* Taking a drivers education course.

Does my credit rating affect my rates?

Yes, most car insurance companies now use your credit rating as a factor in determining your car insurance rate.

How do I know the company I choose will pay my claims?

You can check an insurance company's financial rating, which measures its ability to pay claims, at the A.M. Best website (ambest.com)

How do I know the company I pick will give me good service?

You can get insurance company customer satisfaction ratings at the J.D. Power & Associate's website (jdpower.com).

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes from top-rated companies and see how much you can save. You can get more insurance questions and answers in their Articles section.

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Paintless Dent Repair Instructional DVD Free Shipping U.S. Sale Price: $19.99   Eligible for free shipping! Availability: Usually ships in 1-2 business days See Reviews For This Product Description MAILS SAME DAY OR NEXT DAY AT THE LATEST!An economical alternative to those high priced PDR DVD's. LEARN PAINTLESS DENT REPAIR! This is a new DVD that was produced in house by Golden Touch PDR, an Illinois based company with 9 years of PDR history. Shows actual dents being removed. Although the production values are not straight out of Hollywood and this is a lower quality produced dvd, there is a lot of good training information. The demonstration comes from a master tech with nine years experience and over 14,000 cars to his credit. This DVD will take you step by step through the process of mastering PDR while covering topics in a concise and easy to understand style. Learn the techniques to remove large and small dents, highspots Access points on the vehicle and tool uses. You'll learn how to use the metal rods and picks that are standard in the industry. The DVD is about 45 minutes long. Don't spend hundreds of dollars on videos and manuals or thousands of dollars on training courses. With dedication and practice, you can start your career in the great field of Paintless Dent Repair. FREE SHIPPING to the U.S. Features Paintless dent repair training dvd for beginners

Dent Hammer PRO Slide Glue Puller Free Shipping to the U.S. Sale Price: $299.99   Eligible for free shipping! Availability: Usually ships in 1-2 business days See Reviews For This Product Description 2 different slide hammers are included with this kit. The Hail rail is a lightweight slide hammer that works great for hail and smaller dents. The heavy duty Dent Hammer slide gives you the power you need to pull those really big dents. Thsese glue pullers give you the control to do small and very large dents. Slide hammers give you the ability to do quick little pulls while watching your progress. You can take your time with the pulling process rather doing abrupt quick pulls that the other types of glue pullers offer. This kit also allows you to line up your tabs when working on long dents, creases or close proximity hail. With twist or lever glue pullers which rest on the vehicle panel, you can only glue one tab at a time because you need to allow enough room to rest the dent puller on the panel. Additional glued tabs would get in the way. Because a slide hammer does not rest on the panel, you don't have this problem. Dent pullers that rest on the car panel risk damaging the surround surface area because the puller puts pressure on the vehicle panel when you twist or pull. That's not an issue with a slide hammer. These slide hammers come with 18 Atlas glue pulling tabs ranging from 1/2" to 1-1/4" diameter. Also included is a Hot glue applicator, a plastic blade for removing the glue, a nylon knock down for tapping down high spots, 18 extra strength black glue sticks and glue release sprayer. Due to shipping restrictions, we cannot ship "Isopropyl alcohol" (release solution) . Isopropyl alcohol is available at any drug store for about $2 and is used to remove the car wax before applying the glue tab and for releasing the glue tab. PLEASE NOTE, GLUE PULLERS WILL NOT WORK ON EVERY TYPE OF DENT. GLUE PULLERS DO NOT WORK WELL ON VERY RIGID PANELS OR VERY DEEP DENTS. WORKS BEST ON PLIABLE PANELS. For a video demo go to www.denthammer.com User instructions link: www.paintlessdentremoval.net/Instructions.htm Features Remove small and large dents and dings

Do it Yourself Paintless Dent Repair Removal FREE SHIP Sale Price: $139.99   Eligible for free shipping! Availability: Usually ships in 1-2 business days See Reviews For This Product Description For a video demo go to www.denthammer.com If you've been shopping for a glue puller, you've come to the right place. Slide hammer glue pullers are the best on the market. They provide much more control in your pulls than twist or handle pullers. It's very difficult to do small consecutive pulls with other types of pullers. Slide hammers give you the ability to do quick little pulls while watching your progress. You can take your time with the pulling process rather doing abrubt quick pulls that the other types of glue pullers offer. These glue pullers work great for pulling out small, medium and large size dents.Warning-any glue puller that rests on the vehicle panel can put new dents in the vehicle. Slide hammers won't put you at risk of adding new dents. This slide hammer comes with 6 glue pulling tabs ranging from 1/2" to 1-1/4" diameter. Also included is a glue gun, nylon knock down for tapping down high spots and 6 extra strength black glue sticks and glue release solution. User instructions included. (Fits most standard pulling tabs if you would like to ad to your tab styles) Glue pullers are a great asset to the dent repair newcomer and the experienced tech. Glue pullers can help you when the car panel can't be accessed using metal rods or to give you a head start on larger dents. Please NOte: glue puller kits will not work on every type of dent. Very rigid areas of the car panel, body lines and deep dents are not suitable for glue pullers. Works best on pliable metal like hoods and center of door panels Features Dent repair glue puller