All quotes car insurance
On average, according to statistics, the U.S. stealing about 1.2 million vehicles a year, and this figure is gradually reduced.
Hijackers prefer to abduct old machines of popular brands, which can be used as a source of spare parts and are not equipped with satellite tracking systems and advanced anti-theft systems. The figure, of course, much ...
Today, mandatory car insurance liability operates in 45 U.S. states. In the other five states in the presence of state law requires the driver to the presence of at least the minimum insurance package. It is worth it, depending on the driver's place of residence from $ 500 to $ 1,000 per year.
All quotes car insurance in different states
However, the conditions of car insurance, in particular, the minimum amount of insurance coverage and the value of insurance premiums are significantly different in rpznyh states. In one state the owner of the car is not even able to register without mandatory insurance, vehicle, and another - with no one you do not even require to produce an insurance policy before the first incident (accident or offense).
Rates for car insurance in the U.S. nereguliruyutsya state and often are determined by the insurance companies. The amount of annual fee calculated on a complex scheme of bonuses and points counted and the value of the car and the driver's insurance history in the past year.
The main parameters of insurance coverage that provides insurance in the U.S., are determined by three major figures:
magnitude of the maximum compensation for physical and moral damages for each victim
amount paid to all those affected by the accident amount in respect of pecuniary damage.
Depending on the state minimum amount of insurance compensation may vary from 10/20/5 (this "fractional scheme" entry-type car insurance available in the U.S.) or $ 10,000 / $ 20,000 / $ 5,000 for Mississippi to 50/100/25 in Maine.
In California, car owner must have an insurance policy with minimum liability insurance in case of damage to health and property damage at the rate of $ 15,000 if one person injured, $ 30,000 if more than one person injured and $ 5,000 to cover property damage.
In the State of New York and the District of Columbia, where the capital of the United States, car insurance options are as follows: 25/50/10, as, for example, in Alaska: - 50/100/25.
But in almost every state, insurers will offer you in addition to the minimum and mandatory insurance package to buy "voluntary" insurance policy car insurance.