When it comes to getting anything insured, it is obvious that we all are looking for the same thing. Low prices! But is that good enough? Will the cheap car insurance protect you from everything else? Well lets start form the top.

Insurance is reimbursement of money to those who are very concerned about their personal belongings such as the house or car jewellery or any product that the person decides to insure. In order to be safe than sorry each person insures their valuables.

Auto insurance deals mainly with insurance for automobiles. It is to do with cars, trucks, or whatever vehicle you own. In case of an accident or any damage to the car the insurance people will take care of the problem. You will be reimbursed with the charges or the cost of the damage. Cheap auto insurance is nothing but insurance that one can get for a cheap or low price. There are different levels of insurance coverage. Each coverage package that comes varies one from another just like how the insurance regulations vary from one state to another.

Cheap auto insurance is where someone or anyone can get an insurance coverage deal for very low price form a person or company that gives quality insurance. The price maybe less but the coverage of the insurance over the vehicle may be more than one could ask for.

With enough said about what cheap auto insurance is now lets explore how and where you will be able to get what it is that you are looking for.

There are many insurance companies online that offer you with cheap auto insurance and cheap car insurance. There are websites to help you compare the policies. So if you are looking to find cheap auto insurance you do not have to worry about searching for it and wasting your precious time. With the technology improving every day, all that you will have to do is get on to the internet and type Cheap auto insurance and you will have a list of places that you can choose from.

The common misconceptions that most people have are that there are very few places that give out cheap auto insurance. But that is not true there are many options that one can choose from. The main reason that people try a place is because one of your friends must have suggested it to you. But when you get there the cheap auto insurance may not be as cheap as you expected it to be. It works for some people but doesnt work for others!

The best part with checking for cheap auto insurance online is the fact that you get to check and compare the quotes and pick the one that suits you best. So the only thing that is in-between you and a great cheap auto insurance coverage is your effort to look for one sitting at home.

So get on it. And before you know it you will have cheap auto insurance!

What most of us know is that we are required to have auto insurance if we intend to own and license a vehicle. Based on that we locate an insurance source and generally purchase what the agent tell us we need. Now that is not to say there are some who are a little more astute when it comes to purchasing car insurance or folks that just get lucky.

The insurance industry has convinced us that learning the basic facts are over our head and that we have to trust their judgment. Well I am here to tell you that is just not so and experience tells me so.

I am like most of you. In the past have just paid the premium every six months for whatever coverage my agent or carrier told me I needed. Recently I had to learn a hard lesson about car insurance and the lesson has not sat well. Part of the outcome was learning how ignorant and trusting I have been. For all intents and purposes, it appears I am not the only person who is in that boat.

If you have an unlimited source of income, or don't know and do not want to know, what I am about to tell you will probably not be of interest! However, you might even still find some of the facts interesting if not frustrating.

If you have the inclination you might want to go on the internet and go to your appropriate state website and download and read the motor vehicle code and auto insurance statutes that apply to you. For the most part it is written in layman's terms and fairly easy to understand.

Because of my recent third-party claim's experience with USAA I have had to learn far more about the auto insurance industry than I wanted to know and in particular how it applies to where I live, in Florida. Starting with the basics, my research begin with how the state of Florida 2010 statutes defined car insurance.

It reads: Coverage for motorized land vehicles (e.g., passenger type automobiles, pickups, vans, trucks and motorcycles). The coverage can include loss or damage to the vehicle itself (evaluated at replacement or repair damage cost, actual cash value, or agreed value). It can also include loss, liability, or expense as a result of ownership, maintenance or use of any such vehicle. The coverage also includes medical, hospital and surgical benefits to injured persons, funeral and death benefits to survivors irrespective of legal liability if incurred while in, upon, entering into, alighting from, or being struck by a vehicle if such coverage is issued as part of a liability insurance contract.

In my case, USAA appears to have a problem evaluating at the replacement or repair cost, the actual cash value, or agreed value of my Jeep. They have refused to consider loss, liability or expense as a result of ownership, maintenance or use of any vehicle. USAA has gone so far, on several occasions, to actually threaten me if I did not relinquish the title immediately.

I do not know a lot about insurance companies in general but can tell you that USAA doesn't particularly care one way or another about the physical condition of your vehicle or any upgrades or improvements you have made.

Another lesson learned is the cold hard facts relating to the depreciated value of a car. Depreciation calculators become your very best friend. While they differ in techniques, the primary factor considered in determining the value of your vehicle is the manufacture date. Another factor which may be requested is the odometer reading. Some sources will take into account exterior and interior physical condition and accessories included on the vehicle. But, you can get close to the value with little information.

The depreciation value is important for several reasons, the first being it will assist you in purchasing the correct amount of insurance for your vehicle. Another is that if you decide to sell your vehicle you can learning the -trade-in- value, versus the sell-off-the-street value.

USAA, with its close mindedness and blinders appears to recognize only a car manufacture date.

Read -Part 2- to learn how important depreciation value is to your vehicle and insurance coverage.

It's no secret, California is a big state with millions of drivers puttering around on a daily basis. With such volume comes a certain number of accidents. That is why the State of California has made it mandatory for everyone operating a vehicle to have car insurance.

However, auto insurance can be tricky business. If a potential buyer isn't careful, they could end up paying extremely high premiums for very basic coverage. Nearly 25% of drivers have either inadequate or no car insurance whatsoever.

Enter the CLCAIP

Commonly known as the CLCAIP, the California Low Cost Automobile Insurance Program was setup to give people who are financially struggling the opportunity to get a decent coverage plan at a very affordable rate. Currently, people can start be covered for as little as $22.00 per month through the CLCAIP.

The numbers are astounding. In 2009, the program received around 7,000 applications, which was 1,000 more than the year before. In 2011, the program received over 25,000 applications which indicates exponential growth.

Why California needed the CLCAIP

When the financial crisis hit in 2008, a lot of people lost the ability to afford their current premiums. Steve Poizner, the Insurance Commissioner, saw this as an opportunity to start a service that could help people get proper coverage at a rate most families could afford. Its goal is to offer allow people to be legally insured for less than a 15% down payment alongside minimal monthly payments.

However, to be accepted into the program, an applicant must meet certain requirements. They are easy to meet and consist of:

Must have a clean driving record. The applicant cannot have more than a single at at-fault accident

Must not have any driving related felonies or misdemeanors arrests in the past 3 years.

The eligibility limit for a single person is $27,075. For two people its $36,425 and for a family of four its $55,125.

The car being insured cannot be valued at over $20,000

Despite the growing number of applications, the CLCAIP is in danger of being closed down. Accord to governor Schwarzenegger's office, the program isn't popular enough to keep funding and vetoed a bipartisan legislation increasing the program's yearly budget due to a low rate of participation.

The fate of the program remains unknown, however, the need for such a program remains. It's illegal to drive without insurance and offering people the chance to get full coverage at an affordable rate is something that Californians should keep benefiting from.

Obviously, when you need protection for your vehicle, car insurance will be the first option that comes to your mind. You can look for other product. But it is certainly challenging to do so and it can take up a lot of your resources by taking this route. Furthermore, auto insurance is a must. So why not capitalize on this and take up a good car insurance policy for your family?

Regarding your auto insurance, you may have easily overlooked a few points that are important though checks were made before. At times, we need a fresh pair of eyes to check things for us. There are times when we are blinded to the mistakes we make. And this can happen to your application form. What you can do is get someone to go through your work. A family member or a friend you trust will be a very good candidate. In this case, you will have someone accompanying you and things will not get too boring. At times, fatigue may set in too.

Third party insurance and comprehensive package are two of the three options you have to insure your car. The good thing about a comprehensive insurance is the range of coverage it provides. Not only will the insurance company pay for the necessary compensation you have to make, it will also offer to repair your car at any of the affiliated workshops available in case it gets damaged by any cause. And if your car is stolen, the insurer will assess what the market value of your car is and write a cheque to compensate you for the loss.

There are different claims you can make, based on what is written in the policy document. But there are exclusions too. This is a piece of literature filled with legal terms and conditions that are binding to both the insurer and the insured. Some legal professionals crafted this piece of document. As such, it is legally binding and the insurer has to do all they promise no matter whether they like it or not. Thus it will be good to find out what each line in the document says. As a last resort, you can reach the insurer by phone. Then and only then will you be able to find out different things you want to know.

Life insurance is not the same as car insurance. Unfortunately car insurance renewal does not require the same thinking process as when you were getting some form of health insurance or life insurance. And if the vehicle you drive is not common within your country, there will be more differences. In order to cover your protection requirement, you need to look out for riders you may not have encountered. In case bad things happen, you can have the assurance that your money in the bank will be safe. As this is within your interest, you must treat this with care.

The question that many car owners have in their mind about car insurance is never answered. It is possible that they do not know what to ask to they can have deeper insight. If this is you, then there is a good idea here you can use. Compile all the questions and email them to the insurer.