Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.


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Insuring Your Sports Car in Washington County, RI

You work hard for your money and the luxuries it can buy. When it comes to insuring your sports car there are many factors to consider. The coverage and features of the coverage are equally important. In the unfortunate event that there is an accident with your sports car, regardless of fault, you are going to want to be made whole as quickly as possible. One of the best ways to get a great deal on auto insurance in Washington County, RI is to have good credit.

Experts like Suze Orman have explained that credit worthiness overall is used as a benchmark to decide how careful or careless someone might be while driving and how likely they are to maintain coverage and keep payments current. Another way companies rate buyers is buy their driving record. Companies may ask for your driving record for the past seven years. A third way you can control your rate is by maintaining coverage consistently for at least six months prior to changing companies or purchasing a new policy.

Everyone wants a great deal on their insurance, especially for their sports car. The reality is depending on your age, type of sports car, and even where the car will be parked great deals will be harder to come by. Do not despair there are additional ways to get great deals. The more of the premium you can pay upfront the more of a discount you receive. Simply put, if you are willing to pay the entire annual premium in advance you will be rewarded with a hefty discount. If you can not pay the premium upfront, you can still receive a discount for allowing the insurance company to automatically deduct your premium from your bank account on a monthly basis.

A sports car is a superior reward for exceptional efforts. If you are considering a sports car and want a great deal on insuring it you may want to seek a later model vehicle. Purchasing a vehicle that is one or two years older than the current two model years can dramatically lower your payment. Additionally, it is important to acquire a car that can be replaced or repaired within or close to the limits your coverage will allow. For instance if you have purchased an AMG manual five speed Mercedes directly from Europe it is unlikely you will be able to recoup the total cost of the car or the entire amount it will cost to replace it. The best way to ensure that you regain what you have lost is to insure your sports car as if there will be a problem. I know you are thinking that is ridiculous, who insures a car planning on an accident. A sports car owner! By insuring your car at the maximum coverage available based on company offering and your finances will allow, you are guaranteeing that your auto insurance is a great deal come what may.

Car Insurance Q & A

Question: If someone borrows my car and crashes it, does my insurance apply, or does theirs?
Answer: Generally speaking, the liability follows the car, so your insurance would apply, as it is your car. The liability insurance of the driver often pays the additional amount if the costs payable are above your policy limits.

Question: If a child goes to college with mom or dad’s car, are they covered under the parents’ personal auto policy?
Answer: This can vary from company to company. Check with the insurance provider and make sure that the child is listed as an additional driver. Do this before the child goes to college, and it will avoid unnecessary disputes later on.

Question: Do I need ‘gap’ insurance?
Answer: If your vehicle is on finance, and its value is now less than the amount you owe, then yes you need gap insurance. If you owe less than its value, then no, you do not need gap insurance.