Cheap Car Insurance Quotes for No-Fault States
If you live in one of the few no-fault car insurance states, you will choose your insurance coverages a little differently than states that assign fault. When comparing rates for cheap car insurance quotes, it is important to how tort works in your state. The definition of tort is simply a wrongful act. If someone ran into you, your tort option that you chose for your policy will determine what course of action you may take. Your state determines what choices you have, and the insurance company will program their online quoting system to help you through it. Here are just a few states that are no-fault and their requirements.
Texas
In Texas you have a choice of Medical Payments or Tort. If you choose Tort, you basically are stating you will not sue the other party if you do not exceed your tort benefits, which also provides for wage loss, death, and dismemberment.
Med Pay will pay you and your passengers' medical expenses if you are injured in your car regardless of fault, and you can still go after the other person's insurance if you have injuries beyond your med pay.
Kentucky
Kentucky residents searching car insurance quotes will make a choice between a tort policy and a no-fault policy. You can't just switch one for the other; it would require canceling your existing policy and then rewriting it with the other type.
If all drivers on the policy agree to ACCEPT the no-fault policy, they waive their right to sue for medical expenses under 00. However, they will have the PIP (Personal Injury Protection) coverage on their policy that will pay for those expenses.
If all drivers on the policy REJECT no-fault, all drivers retain their right to sue for injuries. The down side to this is that it also allows other drivers to sue them if they injure someone in an accident. You may receive cheap car insurance quotes with rejecting no-fault.
Pennsylvania
Pennsylvania residents have the choice between "Limited" and "Full" tort. You might get cheap car insurance quotes with Limited Tort, but you give up your right to sue for non-medical expenses like pain and suffering unless you have a major injury like loss of a limb or eyesight. Full Tort allows you to seek compensation.
When seeking cheap car insurance quotes and you live in a no-fault or tort option state, you will want to brush up on the options and what they mean to you before making a final decision.
Frequently Asked Questions
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QUESTION:
USAA Insurance Questions?
I'm thinking about switching my auto insurance from GEICO to USAA, but had a few questions. And since it's the weekend, they're not open when I called. I purchased a used vehicle about 4 months, so my insurance went up, and have heard great things about USAA, so here goes,,,,Question #1 - From all of the research I've done on auto insurance, USAA is approximately 5.00 dollars cheaper for a 6 month premium than GEICO. This sounds too good to be true, but I did the free quote steps over and over again on the site, if you have have USAA auto insurance, does this sound right?
Question #2 - I submitted a quote for property insurance as well, and that quote was .00 a month, does this sound about right? I did this quote with website assistance on how much my property is worth.
Question #3 - My 6 month auto insurance premiums gets paid in 4 monthly installments in a 6 month window, does USAA do this as well, or do they do it by monthly deduction?
Thanks to all in advance
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ANSWER:
i do work for usaa and i haveta say that usaa does sound to good to be true but i do want you to know that really is THAT GOOD the company is great to their members and would do anything in their power to help them out. but call usaa and speak to the auto insurance department and they will be glad to help you out as a member or get you signed up to be a member, if insurance is the same hours and credit cards then they are open 24-7 365days a year!!! which is GREAT!. usaa does have alot of differnet plans to pay your insurance, so i would talk to a rep. and see what all your options are!!! believe me if i didnt like the company and how they treated their members i woudlnt just tell you these things just cause i work for them, i could care less if they made money or not, im just telling you the truth that they are an outstanding company and have outstanding products and even better products if you are deployed.
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QUESTION:
Does Progressive have an option to cover insurance if I rent a car ('cause I didn't see it on their website)?
Hi, I'm looking to rent a car. Now, I know that the optional car insurance offered by these car rental companies like Budget and Enterprise are pretty expensive. But I am renting a car because I don't have a car (renting for short term usage) and I have never had one, which means that I never have had car insurance.I was on the Progressive website to "get a free quote/buy" but one of the many questions they ask is what car do I have and also if I'm : 1) leasing it 2) own it, but make payments (installments, rather), and 3) own it, but don't make payments. The last two options don't apply to me, although would renting a car qualify as leasing it? If so, what "kind of car" should I put in since I have no idea what the specific make of car that will be available for me to rent. Or is this something I fill out after I rent the car (but of course, rentals won't give away a car if the customer doesn't show proof of being covered by car insurance).
If you didn't notice, this is the first time I'm going about these things. One last question while I'm on this topic--I currently have health insurance through the Blue Shield Blue Cross company. I heard Progressive also provides health insurance, so would it be cheaper if I had to take health insurance as well as auto insurance from Progressive/a similar company that specializes in auto insurance but also offers health insurance?
Please help me. Thanks so much in advance!
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ANSWER:
it tells you in the contract they sent you with the bill
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Some great resource sites to help you find the best deals on Atlanta Car Insurance:
Your car
Consumer Publications - Tips for Saving on Auto Insurance
Kentucky.gov: - moneytip0508
Tips to Help Consumers Lower their Auto Insurance Premiums ...
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