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	<title>Answers for InsuranceLibrary.comashley.k -  -</title>
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		<title>Answer on Does auto insurance cover theft? by ashley.k</title>
		<link>http://insurancelibrary.com/auto-insurance/does-auto-insurance-cover-theft#answer_151</link>
		<dc:creator>ashley.k</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:09:04 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/auto-insurance/does-auto-insurance-cover-theft#answer_151</guid>
		<description><![CDATA[There are essentially two parts to an auto insurance policy. Liability coverage, or as some refer to it as “PL/PD” and physical damage coverage. Most states require some form of liability coverage in order to drive your vehicle legally. But physical damage is an optional coverage you can purchase to protect your vehicle. The most common coverage you will find under the physical damage is comprehensive and collision coverage. Where collision coverage covers just that, collision with another vehicle, comprehensive coverage picks up “other than collision” coverages. Comprehensive provides coverage for losses from fire, theft, hail, falling objects, glass breakage and car/animal accidents.

Comprehensive provides coverage for loss or damage to your vehicle and its equipment cause by theft, larceny or robbery. It also provides coverage in the event you are tricked into giving your vehicle to another person under false pretenses. Please note that you are subject to your deductible in the event of a loss. What this means is that the insurance company will pay you for the loss less your deductible which may range from $0 to $500 dollars depending on your insurance carrier.

To stay competitive some insurance companies may offer special perks in their auto coverage such as waiving the deductibles or providing additional coverage such as rental car coverage in the event of theft. So be sure to check  with your insurance agent or carrier to see if they provide this coverage.]]></description>
		<content:encoded><![CDATA[There are essentially two parts to an auto insurance policy. Liability coverage, or as some refer to it as “PL/PD” and physical damage coverage. Most states require some form of liability coverage in order to drive your vehicle legally. But physical damage is an optional coverage you can purchase to protect your vehicle. The most common coverage you will find under the physical damage is comprehensive and collision coverage. Where collision coverage covers just that, collision with another vehicle, comprehensive coverage picks up “other than collision” coverages. Comprehensive provides coverage for losses from fire, theft, hail, falling objects, glass breakage and car/animal accidents.

Comprehensive provides coverage for loss or damage to your vehicle and its equipment cause by theft, larceny or robbery. It also provides coverage in the event you are tricked into giving your vehicle to another person under false pretenses. Please note that you are subject to your deductible in the event of a loss. What this means is that the insurance company will pay you for the loss less your deductible which may range from $0 to $500 dollars depending on your insurance carrier.

To stay competitive some insurance companies may offer special perks in their auto coverage such as waiving the deductibles or providing additional coverage such as rental car coverage in the event of theft. So be sure to check  with your insurance agent or carrier to see if they provide this coverage.]]></content:encoded>
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		<title>Answer on How much is renters insurance per month? by ashley.k</title>
		<link>http://insurancelibrary.com/renters-insurance/how-much-is-renters-insurance-per-month#answer_150</link>
		<dc:creator>ashley.k</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:08:19 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/renters-insurance/how-much-is-renters-insurance-per-month#answer_150</guid>
		<description><![CDATA[You will find renters insurance to be very inexpensive. With most companies renter insurance covering approximately $5,000 to $10,000 in personal contents and $300,000 in personal liability to be approximately $150 to $300 dollars a year which is equivalent to about $12.50 to $25 dollars a month. Depending on the carrier this could vary.

By writing a renters policy not only are you getting coverage for your personal belongings but you are also getting personal liability coverage. Some companies also include additional coverage such as host liquor liability, which you would need to rent halls for events like a wedding or a birthday. You may also be able to schedule things such as your cell phone which may or may not be cheaper then purchasing the coverage from your cell phone carrier.

You will find that if you purchase your renters policy through the same carrier as your auto insurance that the discount you receive on your auto insurance will more than pay for your renters policy.  Multi-policy discounts with some companies can range from 5%-20% or possibly more, which can save you hundreds on your auto insurance. So be sure to talk to your insurance agent about writing a renters policy and what discounts are available.]]></description>
		<content:encoded><![CDATA[You will find renters insurance to be very inexpensive. With most companies renter insurance covering approximately $5,000 to $10,000 in personal contents and $300,000 in personal liability to be approximately $150 to $300 dollars a year which is equivalent to about $12.50 to $25 dollars a month. Depending on the carrier this could vary.

By writing a renters policy not only are you getting coverage for your personal belongings but you are also getting personal liability coverage. Some companies also include additional coverage such as host liquor liability, which you would need to rent halls for events like a wedding or a birthday. You may also be able to schedule things such as your cell phone which may or may not be cheaper then purchasing the coverage from your cell phone carrier.

You will find that if you purchase your renters policy through the same carrier as your auto insurance that the discount you receive on your auto insurance will more than pay for your renters policy.  Multi-policy discounts with some companies can range from 5%-20% or possibly more, which can save you hundreds on your auto insurance. So be sure to talk to your insurance agent about writing a renters policy and what discounts are available.]]></content:encoded>
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		<title>Answer on Can you switch auto insurance at any time? by ashley.k</title>
		<link>http://insurancelibrary.com/auto-insurance/can-you-switch-auto-insurance-at-any-time#answer_138</link>
		<dc:creator>ashley.k</dc:creator>
		<pubDate>Thu, 14 Feb 2013 20:42:23 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/auto-insurance/can-you-switch-auto-insurance-at-any-time#answer_138</guid>
		<description><![CDATA[This is a common question most people have and the answer is yes, you can switch your insurance at any time. There is no mandate which states that you cannot switch your insurance but the question is should you switch your insurance?

There are several things you want to consider before switching your auto insurance. The most common reason people switch their insurance is because of price. You will find that most states file insurance rates in January and June. So keep in mind depending on when you decide to switch your policy you could be hitting a price increase or decrease depending on what the state has filed.

Switching your insurance once or even several times could actually hurt you. Companies are beginning to offer discounts such as loyalty discounts which don’t kick in until you have been with them for so many years. Even though you may be saving $50-$100 switching to another carrier you could be losing a lot more than that by not staying with your current insurance company. You may find loyalty discounts to range from 5%-20% depending on the company which could save you hundreds of dollars.

But every situation is different so be sure to consider when your switching your insurance and what discounts you may or may not be losing.]]></description>
		<content:encoded><![CDATA[This is a common question most people have and the answer is yes, you can switch your insurance at any time. There is no mandate which states that you cannot switch your insurance but the question is should you switch your insurance?

There are several things you want to consider before switching your auto insurance. The most common reason people switch their insurance is because of price. You will find that most states file insurance rates in January and June. So keep in mind depending on when you decide to switch your policy you could be hitting a price increase or decrease depending on what the state has filed.

Switching your insurance once or even several times could actually hurt you. Companies are beginning to offer discounts such as loyalty discounts which don’t kick in until you have been with them for so many years. Even though you may be saving $50-$100 switching to another carrier you could be losing a lot more than that by not staying with your current insurance company. You may find loyalty discounts to range from 5%-20% depending on the company which could save you hundreds of dollars.

But every situation is different so be sure to consider when your switching your insurance and what discounts you may or may not be losing.]]></content:encoded>
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