The cost of insurance is on the rise: the price for auto insurance rose 3.6% between 2011 and 2012, and 3.1% for homeowners and renter’s insurance, according to the Insurance Information Institute. In fact, auto liability insurance premiums alone have been increasing by 2.8% annually for the past three years. This makes choosing the right coverage and provider all the more crucial to save money without sacrificing important aspects of coverage.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.
Jonathan and Ashley Longnecker, full-time RVers and bloggers of TinyShinyHome.com, sold their new and oversized 5th-wheel trailer for a much smaller, compact vintage Airstream. Although a family of six, their original RV was very heavy, long, and tall, which made it more difficult to travel long distances without worrying about parking, turning, and hitting low overpasses. The family decided they’d sacrifice the extra space in order to travel lighter and with greater peace of mind. 
For some, the best coverage is the cheapest car insurance policy that makes them able to legally drive on the road. For others, the best coverage is the type that covers the full cost of repairs on your vehicle when you file a claim. The only way to be certain you are fully protected is to purchase both comprehensive coverage and collision coverage. Each coverage has its own job to do.
Financial experts often say it’s smart to drop collision when you drive an old car, then put your car insurance savings in a fund earmarked for emergency repairs or buying a new car. However, when you’re trying to decide when to drop collision coverage, the answer really comes down to your personal finances. “If you’re not absolutely sure that you could deal with paying for repairs or completely replacing your vehicle at a moment’s notice, or else going without a vehicle until you could save for a replacement, it’s best to err on the side of caution and pay the extra premium for collision coverage,” The Simple Dollar advises.
The main difference between collision and comprehensive coverage comes down to the question of what the driver controls. Collision insurance will cover events within a motorist's control or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," or things that are typically out of your control when driving. These can include events such as a spooked deer, a heavy hailstorm, or a carjacking.
Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.
The Good Sam Insurance Agency replaces any RV that is totaled or stolen in its first five model years with a new, comparable RV model. This stands even if the customer is not the original owner of the vehicle. After the first five model years, customers receive the full original purchase price toward the purchase of a replacement RV. This Full Replacement Cost Coverage option protects customer RVs from depreciation, potentially saving them thousands of dollars.
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