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If you do not carry collision and comprehensive auto insurance coverage, there may be limits to what you can financially recover in many states. Liability only auto insurance does not cover any damage done to your vehicle, only those driven by other people. This is true of property damage as well. In most cases your vehicle would have been covered under the comprehensive portion of your auto insurance policy, but this portion is optional and you chose not to purchase it. You do have options, however, your auto insurance carrier is not one of these. If you reported your vehicle stolen and the thieves are apprehended, you may ask the judge to order restitution for the cost of your vehicle. If the thieves are caught you may also sue them in court for your expenses and the value of your vehicle, but only if they are found.

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According to the Institute for Highway safety, teenage drivers between the ages of 16 and 19 years old are four times more likely to be involved in a car accident than any other age group. Because of this fact it is understandable that insuring teenage drivers would be considerably more expensive but there are some things you can do to help reduce the auto insurance costs. Adding teens to the auto insurance policy of their parents is one way to save some money, especially if the parents have a good driving record. Having multiple people on the same policy entitles you to discounts sort of like buying in bulk at the grocery store. You should talk to your auto insurance agent and ask for any other possible discounts that you may be eligible for. There may be discounts available for things like having a good driving record, being with the same auto insurance company for a long time, sometimes things like being married or being a homeowner may make you eligible for discounts. Take Business Auto Vehicles Insurance Rate for Young Lady in Rhode Island in car insurance data segment.

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Collision claims are the third major factor that is analyzed to determine your auto insurance costs. Cars which are cheaper concerning auto insurance include the GMC Safari four wheel drive, GMC Sierra 2500, the four wheel drive GMC Yukon XL 1500, and the two wheel drive Ford Excursion. Cars you should avoid include the Prsche 911 Coupe, the four door Lexus IS 300, the Acura RSX, the four wheel drive four door Subaru Impreza WRX, and the two door Hyundai Tiburon. These vehicles did not fare well in the collision statistics, and because of this it will cost you more to get auto insurance on these specific vehicles.

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The length of time between accidents or incidents is considered before your rates are raised, and this time limit will vary from one auto insurance company to another. One company may only consider things within the last two years, while another auto insurance company may go back four or five years. There are some auto insurance companies that offer policies with an accident forgiveness clause or rebate. These programs may offer a free pass on one accident or ticket within a specific time frame, so that good drivers are not penalized for one lapse in judgment or mistake. Rebate programs may offer money back for every policy term that results in no accidents or tickets, giving consumers an extra incentive to be a good safe driver.

• Question: do auto insurance companies insure the same class of drivers?
• Answer: no. The average driver with, perhaps, a few violations spread over many years and a car that is not extremely expensive or statistically at high risk of accidents would be classified as a standard risk. This is the pool of drivers that most companies insure. A few companies concentrate on attracting the drivers with outstanding driving records and the characteristics that statistically are correlated with low risk of accidents. These drivers are classified as preferred. Niche companies that insure primarily drivers classified as preferred, can expect to have a lower than average incidence of accidents and therefore be able to charge lower premiums. At the other end of the classification scale, the non-standard risks are at higher risk than average of having accidents. Some companies cover a broad range of drivers. Others try to primarily insure only one segment. Check the Autos Insurance Calculator in San Francisco for Motorists in auto insurance tip.