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{{DISPLAYTITLE:Car Insurance Quotes}}

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'''[[keyword:=Car Insurance Quotes|Car Insurance Quotes]] [[keyword:=car insurance|is]] [[keyword:=online car insurance|the]] definitive listing on the internet for all of your car insurance needs.'''

'''[[keyword:=Car Insurance Quotes|Car Insurance Quotes]] [[keyword:=car insurance|is]] [[keyword:=online car insurance|the]] definitive listing on the internet for all of your car insurance needs.'''

==Do I Need Insurance?==

==Do I Need Insurance?==

In many countries it is compulsory to [[keyword:=purchase auto insurance|purchase auto insurance]] before driving on public roads. In the United States, penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually the minimum required by law is [[keyword:=third party insurance|third party insurance]] to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.  Typically, coverage against loss of or damage to the driver's own vehicle is optional.

In many countries it is compulsory to [[keyword:=purchase auto insurance|purchase auto insurance]] before driving on public roads. In the United States, penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually the minimum required by law is [[keyword:=third party insurance|third party insurance]] to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.  Typically, coverage against loss of or damage to the driver's own vehicle is optional.

In the [[Directory:United States of America|United States]], liability insurance covers claims against the policy holder and generally, any other operator of the insured’s vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. [[keyword:=Liability insurance|Liability insurance]] sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident.  

In the [[Directory:United States of America|United States]], liability insurance covers claims against the policy holder and generally, any other operator of the insured’s vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. [[keyword:=Liability insurance|Liability insurance]] sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident.  

 

==How Your Rates are Determined==

==How Your Rates are Determined==

The current system of insurance creates groupings of vehicles and drivers ([[keyword:=actuarial classes|actuarial classes]]) based on the following types of classifications.

The current system of insurance creates groupings of vehicles and drivers ([[keyword:=actuarial classes|actuarial classes]]) based on the following types of classifications.

Image:BMW M5.jpg|The grand daddy of uberwagons a spicey 2007 BMW M5

Image:BMW M5.jpg|The grand daddy of uberwagons a spicey 2007 BMW M5

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[[Category:Houston Area Business]]

[[Category:Houston Area Business]]

[[Category:Insurance]]

[[Category:Insurance]]