All Non-Owned Auto Liability Insurance

Non-Owned Auto Liability Insurance

Non-Owned Auto Insurance

Buy Non-Owned Car Insurance

We have written many Non-Owned Car Insurance related articles on Car Insurance Assist. We talked about non-owned auto insurance, non-owned auto liability insurance, non-owned car insurance and buying non-owned car insurance.

If you read through our past articles, you have discuss about the advantages of buying a non-owned auto insurance, whether for personal usage when you rent a car or for business purpose.

It is important that you know that without non-owned auto insurance, at any time you need to rent a car or utilize a car that don't belong to your company for business needs, there is always a risk involved and you need to have some kind of coverage / protection that help to cover any claimed cost arise out of the accident.

Many people don't foresee that there is always a danger when driving on the road. Auto insurance is not a luxury, it is a necessity. It protects you and fellow road users in the events of any accident that causes damages and injury in the way of paying for the cost of repair and medical claim. Without the auto insurance, it can be a very huge burden to driver.

Non-owned auto liability insurance policy also exists for it's purpose. For those people who don't own a car and need to rent a car for whatever purpose, it helps to protect the coverage as well. So, do check out all these auto insurance and find out the one that suit yous.

For more assistance on others auto insurance matters, please check out all our archives.




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Los Angeles Auto Insurance

Cut Los Angeles Auto Insurance Rates

We all know that it is required by law to buy auto insurance in United States, whether you are in Los Angeles, New York or Colorado. However, there are many ways you can go around to get cheap auto insurance rate. You don’t need to pay sky high prices for your auto insurance.

If you read our articles on the best and worst states to own car, you know that California is the second worst state to own car, so, buying auto insurance in Los Angeles can be actually quite high.

We have listed a few ways that can help you to get a cheap Los Angeles auto insurance rate. Of course, these ways will take up some of your time, but, we do think that it is worth the effort as it can really help you to save on your Los Angeles auto insurance.

1. Cut down on your Mileage
   
   Now, this is not a common practice, but, many auto insurance companies are now starting to keep track of the mileage people drives. The more you go, the higher your auto insurance rate will be. So, it is good if you can keep track yourself, if you don’t need to drive, just don’t do it. Cut down on your mileage and ask your Los Angeles auto insurance companies for a lower rate.



2. Your Excellent Driving Record
   
   Do you know that your driving record will seriously affect how your Los Angeles auto insurance rate? Now, if you have multiple speeding tickets, you can forget about getting cheap auto insurance. Auto insurance companies are very concern on the driving record as that is the very first basis they can check on you. So, do take note of that.



3. Shop, Shop and Shop
   
   It is never too much to shop around for as many auto insurance quotes as you can get. Internet is so popular nowadays, with all auto insurance companies listing their auto insurance product online, you won’t be the only one to surf for Los Angeles auto insurance. Simply shopping online can give you comparison among the different auto insurance companies in Los Angeles. So, do take some time to do your research and that will help you to get some pretty nice auto insurance rate.

Ultimately, auto insurance rates varied due to many factors. As a driver, it is most important that you always drive safely and carefully. In doing so, it will essentially help you to lower your auto insurance premium as well.



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Los Angeles Auto Insurance

Los Angeles Auto Insurance - 1

Do you know that auto insurance fraud crimes rate is fast growing in America? And do you know that it might affect you? Okay, let’s face the fact. If you think that it is not affecting you, think again. Those people who commit car insurance fraud are actually hurting you because your premium payment is partially being paid out to them. Not hurting?

In early 2007, there is a case of auto insurance fraud that happened in Los Angeles, LA. If you are not aware, there are a total of 101 people being caught and indicted in Los Angeles County at that time. Surprisingly, beside false car insurance claimants, that group of fraudsters also consists of attorney and office administrators, people that you will never think of that will involve in auto insurance fraud.

Accordingly to the report, over 200 charges were filed against the group. It was also reported that authorities said that more than $500,000 was being stolen from car insurance company over a two years period and this auto insurance fraud in Los Angeles goes down as one of the largest in the history.

We are not going to detailed how they commit this auto insurance fraud in Los Angeles and how the authorities in Los Angeles found out and cracked the group. If you are interested to read more about it, click on this link.

As we know, auto insurance fraud is a serious crime, so, we would like to stress to you the point: please do not ever take part in any car insurance fraud. If you are being approached by anyone, just report them to the authorities. With the rising car insurance fraud crimes rate, the authorities are very alert and keeping a close watch on it. You will never being able to get away with it if you ever participate.

Do your part as well. If you are aware of any auto insurance fraud, report to the authorities also. It is the responsibilities of everyone.



You might be interested to read some of our articles on Los Angeles Auto Insurance, non-owned auto insurance, car rental insurance or cheap car insurance.

For more assistance on car insurance matters, please check out all our archives.



BB's site is at

Los Angeles Auto Insurance

Buy Los Angeles Auto Insurance

Thanks for visiting Car Insurance Assist. We are talking about Los Angeles Auto insurance today and this is our pleasure to welcome you for joining us. Buying Los Angeles auto insurance is always a very tricky thing as it is not easy to get a cheap auto insurance in that state. Why did we said so? Continue to read on as we talked about why buy Los Angeles auto insurance is not easy on Car Insurance Assist.

Now, to cut it short, buying a Los Angeles auto insurance policy is quite similar to any states, except for the fact that, the premium will be high. If you are wondering why, you will be pretty interested to know that an article on Forbes’ research shows that California, which include Los Angeles, is the 2nd worst state to own a car. So, there are more things for you to consider and be aware of if you stay in Los Angeles and are looking to buy an auto insurance there.

With the current internet business model, many car insurance companies are marketing themselves heavily on the internet. And as you know, los angeles auto insurance can be quite expensive. So, with the various choices you have, either by online searching or through insurance brokers, you should really put in some effort on your own to search for the best los angeles auto insurance. How? You can get cheap car insurance advices and how to buy them from our archives.

It is important to note that every states have unique rules and laws governing it’s auto insurance industry. Insurance claims, premium and requirement for auto insurance application won’t be the same across all states and so, when you are buying a los angeles auto insurance, it is advisable that you make sure that you check out the various coverage in details.


Today, it is necessary to buy auto insurance by law if you are driving. So, if you are driving in los angeles, you must make sure that you have purchases that auto insurance. As there are different coverage for different auto insurance policies, make sure that you check them up, reviewed them, ensure that you are sufficient covered before you decided on the los angeles auto insurance.


Beside Los Angeles Auto Insurance, you might also be interested to read up on our articles on non-owned auto insurance, car rental insurance or cheap car insurance.

For more assistance on car insurance matters, please check out all our archives.

Non-Owned Auto Liability Insurance

If you owned a business and have employees who drives their own vehicles to meet clients or for business needs, did you ever wonder what is the kind of coverage of protection you have if your employees involved in accidents? Is your company, employees or you protected when there is an accident and claimed are being made?

Well, if your company owned vehicles, you must already have an auto liability insurance policy exists that covered the company vehicles. But, did you check if there is coverage provided for non-owned auto vehicles? Non-owned auto vehicles refers to those cars that are not owned by your company, maybe your employee or being rented, that are used for your company business needs.

Normally, a business auto insurance policy only insured your company vehicles and does not coverage non-owned auto vehicle. Therefore, it is important that you find out if they are included and if they are not, you might want to consider adding them.

It is quite normal nowadays for employees to drive their own personal vehicle for company business needs. Usually, the personal auto insurance policy will not provide coverage for business usages. So, there is some risk area that are not covered when a non-owned vehicles is being used for business needs and when they are involved in accident. As a company, it is good to include non-owned auto liability insurance to help protect any possible risk arise out of an accident.

If your company does not own any auto vehicles and you are renting car for business needs, it is good to talk to an insurance company to see if you can buy a business auto insurance coverage that provides both hired and non-owned vehicles usage. Hired coverage will provide the business vehicle rental portion and the non-owned portion will provide coverage for employees using their personal vehicles for the business needs.

Take note that it is important to have sufficient auto insurance coverage in place if you ever utilized vehicle for your company business needs. There is also a possibility of financial burden that falls on you in the event of any accident if you are not covered. So, take some times and find out more about non-owned auto insurance.



For more assistance on others auto insurance matters, please check out all our archives.

Los Angeles Auto Insurance

We all know that auto insurance rate is different in all the US cities and states and sometimes, the difference can be quite a big amount. And if you are not aware, based on an article by Forbes, California is the number 2 worst state to own a car. So, it is not surprise that buying auto insurance in Los Angeles or LA can be quite expensive.


Accordingly to a report made by Los Angeles Times on March 18, California Insurance Commissioner has ordered Allstate Insurance to cut its auto insurance rates by 15.9%.

Now, if you read the report, the total savings can be quite substantial. For years, people have been complaining about auto insurance rate being expensive and it look like finally, motorists in California, and of course, including Los Angeles can get cheap auto car insurance.

Read the detailed report here.





For more assistance on others auto insurance matters, please check out all our archives.




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Los Angeles Auto Insurance

Car Insurance Assist

Types of Auto Insurance

We, car insurance assist, knew that people just hate the idea of making payment to car insurance premium. We also, but, whether you like it or not, car insurance or also known as auto insurance policy is a necessity if you drive and it is made compulsory by law. Of course, there are ways that you can get around to pay cheaper rate and lower cost, which we outline in some of our archive articles by buying a cheap car insurance policy. So, it shouldn’t be too big a financial burden to you.

Today, in this article, we are going to talk about the various types of auto insurance available and hope that this will give you some ideas and insight about what car insurance is about.



Types of Auto Insurance

Essentially, there are three main types of auto insurance available. Each type of car insurance provides different coverages and comes at a different cost.

1. 'Third Party Only' Auto Insurance
   
   This auto insurance policy is the simplest of all. This policy will provide only the minimal coverage. It covers only third party related damage, be it injury, vehicle or property.
   
   Give you an example, if you are involved in an accident and the other part’s vehicle is damaged or the other driver or passenger got injury, the policy will cover the cost. But, if you are injury or your car is damage, then, you are not allowed to claim against the policy.
   
   Also, if you car is being stolen or set on fire due to whatever reason, you are also not covered.
   
   So, in our opinion, this auto insurance is actually not good as your are exposed to certain risks.




2. 'Third Party Fire and Theft' Auto Insurance
   
   This auto insurance policy is slightly better than the previous one. It provide exactly the same coverage as mentioned in above with an addition. If your car is stolen or set on fire, yes, you are covered.





3. 'Fully Comprehensive' Auto Insurance
   
   The most complete auto insurance of the 3 type. This auto insurance policy provide all the coverage mentioned in the above 2 types and also, it will provide coverage for damages to your own car and as well as injury cost.

So, in summary, it is advisable to buy the fully comprehensive auto insurance policy because it provides the fullest coverage for you and fellow road users.


You might also be interested to read more about two other types of auto insurance, namely, car rental insurance and non-owned auto insurance.


For more assistance on car insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Non-Owned Auto Insurance

Last month when we wrote about non-owned car insurance, there are some points that yet to be not fully explained. So, in this post we are going to explain more about what is non-owned auto liability insurance policy.

What is Non-Owned Auto Liability Insurance Policy?

Non-Owned Auto Liability Insurance policy refers to the car insurance coverage where it helps to cover liability for accidents caused by driver. Take note that the non owned auto liability insurance is designed to protect only the non-profit organization, not the driver. The non owned auto insurance also applies only above the liability limit of the driver's personal auto insurance policy.

Non-Owned Auto Liability is essentially an excess coverage, covering only when the damages are higher than the driver own auto insurance policy limits, or when the driver has no personal auto liability insurance in force.

So, it is good to buy non-owned auto insurance when you are renting a car. The advantage, as outline in my previous post, is that you no longer need to buy rental car insurance every times you decided to rent a car. In calculating the cost of the auto insurance, the premium that you pay for your non-owned car insurance policy will be cheaper comparing to the rental car insurance.

In buying non-owned auto insurance, we also like to stress and highlight the point that it does not covers collision coverage. So, it is important for you to find out the risks you are being exposed to, which already outline in your non-owned car insurance post.

To minimize the risk factor arise from the collision coverage, we also include the advice on how to obtain that coverage in place. So, please check out our non-owned car insurance post.

Finally, before you proceed to buy the non-owned auto insurance or rent car, check out our article on the car rental requirement that need to be fulfill. The first and most important requirement is you must have a valid driving license before you can rent a car.

For more assistance on car insurance matters, please check out all our archives.

Best Of Car Insurance Assist In April

Well, May is here, and as I said in our review of March in April, we would like to take some times at every beginning of the month to look back and reflect at what we have posted during the past month. So, here you go, for the car insurance review of April.

April had been a pretty exciting month for us at car insurance assist. It was the second month when we started this blog and it seems like we had did something right. Google rewarded us with a PageRank. This was something that we don't really expect as car insurance assist is only 2 months old. Nevertheless, we will keep working hard and hopefully, can bring more value to you.

If you are the visiting this blog, car insurance assist, for the first time, you might want to read more about what this blog is all about and what how this blog can help you.

Looking to buy a car? Did you ever wonder which is the best and worst state to own a car? And boy, if you are interested in that sport car, don't be surprise at the high premium of your luxury car insurance. For female driver, high risk driver or even student driver, don't worry, we do give out some tips on how you can buy cheap car insurance.

Now, it is common that sometimes we might need to rent car, it will be beneficial if you would read up on how to buy car rental insurance, the requirements for renting car and also buying non owned car insurance instead of car rental insurance.

Did you ever wonder how much you can save if you buy your car insurance direct from car insurance companies instead of through insurance broker?

Finally, do not hestiate to call for assistance on car insurance matter or which assistant you can get help from.

And last but not least, thank you to everyone who helps support this site - whether you are new readers or fellow bloggers. Thanks for taking the time to read this blog, car insurance assist - I appreciate it


Till then.


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Los Angeles Auto Insurance