Does my car insurance cover a rental car

Does my car insurance cover a rental car- How Computer Technology Affects Your Car Insurance

Since the inception of car insurance, things have changed quite a bit. The services and packages were a lot more personalized.

The insurance house would build a relationship with their client and would base the premium on their specialized needs. As is still the case, males under the age of 25 would get a higher premium than anyone else. Females were awarded the lowest premiums, if their driving records were good.

But now that computers have come into play in the modern world, things are changing in the insurance business. Nowadays, it does not matter what you say to your insurance broker, or how wonderful your relationship is with him, as your premium will be determined by the insurance company’s computer system and what information they can find out about you on it. In this day and age, using computers and the internet, insurance companies can find out whether or not you have a bad driving history, what your credit report is like and also if you have any traffic offences or a criminal record. These factors, in addition to your age and address, will affect your insurance premium.

The key here is to ensure that you have a clean record for them to check up on. If you obtain any driving tickets, make sure they are always paid up to date. If you have a motor vehicle accident, take an advanced driving course, which will also go on your record, to prove that you are improving your skills. Keeping your credit score clean is important too, not only for your car insurance purposes, but for the health of your finances too.

It is not common for insurers to claim “act of God” in situations where there is someone driving the vehicle. These cases can be contested in court and you are very likely to win. However, you will first have to go through the ordeal of filing your case and a significant amount of your awarded damages may end up going to legal fees.

Compare multiple auto insurance

Do you have more than one car in your family, with your children driving one, whilst yourself and your spouse both have a vehicle each? Car insurance could save you and your family money by combining all of the insurance policies into one, simplifying the bill and giving your insurer reason to offer a discount.

Ask about matching the no claims bonus discounts on any new cars added to the policy and make sure you know how losing the no claims policy on one vehicle will affect the others in the policy.
When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don't want to pay more than you have to. Unfortunately many people are doing just that, simply because they don't want to spend time shopping for car insurance. It's not inherently enjoyable, after all, despite how it looks in commercials featuring disgruntled cavemen and joke-cracking spokespeople.

But by doing some comparison shopping, you could save hundreds of dollars a year. When one of our editors used a rate-comparison service, he got basic coverage quotes for his two old cars that ranged from $1,006 to $1,807 — a difference of $801 a year. If you're paying thousands to your current insurance company because you have a couple tickets, an accident or an out-of-date and unfavorable credit rating, shopping your policy against others might be well worth the effort. Look at it this way: You can convert the money you save into buying something you've wanted or needed for a long time.

Step 1: Decide How Much Coverage You Need
To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state, so take a moment to find out what coverage is required where you live. You will find a list of each state's requirements and an explanation of the various types of insurance in "How Much Car Insurance Do You Need?" Also, check out "Little-Known but Important Car Insurance Issues," which has a glossary of basic insurance terminology. If you're a first-time driver and need a comprehensive overview of car insurance before you go on, review this guide from the National Association of Insurance Commissioners. Now you're ready to make a list of the different types of coverage you are considering.

Once you know what's required, you can decide what you need. Some people are quite cautious. They base their lives on worst-case scenarios and insurance companies love that. Insurance companies are in the risk business, and they know a policyholder's likelihood of being in an accident, as well as how likely it is for a car to be damaged or stolen. The insurance company crunches the information it has collected over decades into actuarial tables that give adjustors a quick look at the probability of just about any occurrence. You don't have those tools at your disposal, so your decision will depend on your own degree of comfort in assuming a certain level of risk.