Most Recent Auto Insurance Guide in Auto Insurance Basics

  • Sports car insurance details to make things easy

    by Hayden Krueger

    Sports car insurance is pretty expensive compared to conventional auto insurance. This is largely due to the fact that sports cars are much more expensive to maintain and repair. We shall discuss the major reasons for the high cost of sports car insurance and also how to reduce these costs substantially below.

    As mentioned before, sports car insurance is expensive mainly due to the high cost of repairing a damaged car. The insurance company is liable to pay you the amount that the repairs are going to cost if you have comprehensive collision coverage or if you have a first party insurance policy. This is the reason for the high cost when you go in for a costly sports car. The tag price of the car will solely drive up the cost. The best way to make sure that you avoid such a scenario is to buy cheaper sports cars … Click here to read more

  • Time Tested tips to avail new car auto insurance

    by Hayden Krueger

    After buying a new car your first reaction may be to take the car for a spin but before taking your new car for a spin you need to insure it. There are a few things you should know about insuring new cars that can help you save a significant amount of money. This article will elaborate on 5 auto insurance tips that can help you save time and money while insuring new cars.

    Get the Right Car

    If you haven’t already bought your car then you should keep in mind that the more you pay for your car the more the auto insurance company will charge you for premium. Expensive cars usually cost a lot to repair and insurance companies make sure that you pay a high premium to make up for this fact. If you are planning to buy a car then you should either consider getting a … Click here to read more

  • Obtaining Auto Insurance for Senior Citizens Made Easy

    by Hayden Krueger

    Car owners above the age of 55 are usually charged higher auto insurance premiums compared to people between 21 – 55 years old. The main reason senior citizens and older adults are charged a higher premium is because insurance companies feel that as a person ages his driving skills decline. This article will elaborate on some money saving tips for senior citizens opting for auto insurance.

    Stay Fit and Use the Right Medications

    Senior citizens who are drive cars should try their level best to stay healthy by modifying their diet and exercising. If you have a vision problem then you should use your glasses at all times and you should take steps to prevent that your vision problem worsens. You should also go to the doctor periodically for a complete check and you should ask the doctor to give you medications that do not interfere with your driving ability. … Click here to read more

  • Getting Auto Insurance for Teenage Son

    by Hayden Krueger

    It is that time of your boy’s life that you have been dreading for the past seventeen years. Yes, it is here. And there is no looking away from it. Your boy is seventeen and wants a car. In fact, he might have saved enough to black mail you into getting a car for him failing which he claims he will get that broken down jalopy for a thousand dollars. And he knows that you will not want him doing even 40 on the freeway in that bath tub!

    The first step that you must take in such a predictable volatile situation is to buy the car. But before doing so, you must use all your negotiating skills to coax him into going with the safer sedan that you have been researching. Do not under any circumstance settle for the sports coupe that he wants! You will firstly end up … Click here to read more

  • Four Reasons State Auto Insurance Liability Limits are not Enough

    by Hayden Krueger

    Most people who have gotten into accidents after opting for the minimum limit in states like California will tell you that the state auto insurance liability limit is not enough. The state puts minimum liability limits to make sure that everyone has protection but these state limits are usually not enough for most people. This article will elaborate on 4 reasons state auto insurance liability limits are not adequate and information will also be provided on the right limit.

    Insufficient Auto Insurance Liability Limits

    In states like California when an accident happens the state holds the driver responsible to pay for all the damages that have occurred due to the accident. The driver will not only be liable to pay for the damaged car but he will also be liable to pay for damaged property or death of a person if applicable. By opting for the minimum limit the insurance … Click here to read more

  • Auto Insurance if you are a High Risk Driver

    by Hayden Krueger

    High risk drivers often face problems when it is time to renew their auto insurance policy since most insurance companies refuse to insure high risk drivers. If you feel that you are a high risk driver and you will not be able to find an insurance company to insure your car then continue reading. This article will provide information on all you need to know about auto insurance for high risk drivers.

    Determining if you are a High Risk Driver

    Before searching for an auto insurance company to insure your car you should first determine if you are a high risk driver. High risk drivers can be either teenagers or adults that have committed multiple violations. These violations include speeding, drinking and driving or engaging in unsafe driving practices. High risk drivers are usually prosecuted for at least one drinking and driving violation per year along with other minor violations. … Click here to read more

  • Auto Insurance for your Teenage Daughter

    by Hayden Krueger

    Did you know that the gender of the person who applier for an auto insurance policy plays a huge role in deciding the cost of the policy? As unbelievable as this may be, it is a fact.

    The reason behind this is the statistics that have been collected over the years. It has been statistically proven that female drivers between the age group of 17 to 25 have lesser accidents than a male driver of the same age group. This is also true for traffic citations and other misdemeanors. Hence the auto insurance companies make segregation between the two groups. Though this may not be related to the topic of auto insurance itself, it brings us to the question about equal rates for health insurance.

    Recently, a bill was passed in the United States congress stating that rates for health insurance must not the decided based on gender. This was … Click here to read more

  • Auto insurance for recreational vehicles and trailers

    by Hayden Krueger

    Recreational vehicles are of different types. They could include snow mobiles, bikes, water scooters, and the like. But the acronym RV stands for recreational vehicles which generally include trailers, caravans and homes on wheels. But mostly they are simply trailers attached to a conventional car. We shall discuss auto insurance policies for the trailers and the car taken together as an entity.

    It is more expensive to insure an RV than it is going to be for a normal car. This is because RV’s are inherently unstable due to their large size and length. If it is a trailer, it is going to be attached behind the car. And in this situation, it will not have a steering mechanism. It will sway around at corners and there is the possibility that the trailer might hit some other vehicle or stationary object. There is also the possibility that the trailer may … Click here to read more

  • Are you looking for Classic car auto insurance?

    by Hayden Krueger

    In recent times, classic car auto insurance rates have been going up gradually. This is partially due to the renewed interest in classic cars in our country and also largely due to the export market for American made classic automobiles. And with an increase in classic car buying, the rates of classic car auto insurance have been going up gradually.

    Classic car auto insurance rates largely depend on the type of automobile you own. Older classic cars are generally more expensive to insure. This is largely based on the dependability that the car exhibits.

    You need to join a classic car club in your local community to know the latest from the classic car industry. This way you can meet with local representatives from the insurance companies which specialize in classic car automobiles. You can also meet up with people who are in the business. Like mechanics and classic car … Click here to read more

  • The need for monthly auto insurance

    by Hayden Krueger

    Most people can’t afford to make one huge lump sum payment towards their auto insurance premium and find it really difficult to save up and even take small loans from friends and colleagues to make payments in one go. Auto insurance companies saw this as an opportunity to provide their customers with a monthly payment plan, at a price needless to say. The customer doesn’t make a one time payment and instead makes one down payment and either, 3, 6 or 12 monthly payments as the case may be. The insurance company charges the customers a rate of interest as the case may be, not all companies charge an interest. 

    How it works 

    The customer can either opt for a yearly cover wherein he or she would need to make payments for the next twelve months, or else a customer can also take it on a “pay as you go” … Click here to read more

  • Teenager auto insurance information at your finger tips

    by Hayden Krueger

    Requesting quotes:

    The first step to getting your teen insurance is to involve them in the procedure and teach them how to start from scratch. Let them understand that their insurance is expensive regardless of a new policy or you clubbing it onto your auto insurance policy; this will help them get a sense of responsibility and driver safer. Get your teen to help you to find a comparison site online and get multiple quotes. 

    Calculation of the premium: 

    Insurance companies use information you provide to them to analyze the risk involved in insuring the teen and calculate the premium based on that risk. You will need information like the teen’s name, age, gender, license details (learners or permanent), and the driving record. If your teen drives a minimum amount you can expect a reduction in your premium since the less time your teen spends on the road, the less … Click here to read more

  • Recommended auto insurance cover and extent of cover for your need

    by Hayden Krueger

    There are various reasons to purchase insurance apart from the obvious reason to keep your vehicle road legal. A good insurance policy can protect you from massive losses in the event of an accident and also protect you from the trials and tribulations of legal hassles; insurance companies also assist you in lawsuits that arise from a car crash. 

    Custom made insurance policies 

    The trust is no two individuals are alike, and no two individuals have the same needs as another person. Everyone needs basic insurance, but what about the cover, the extent of cover, deductibles and discounts?  Insurance companies serve you bulk plans based on your rough usage pattern and your vehicle type; however this is rarely enough.  Most people realize that they don’t have the right insurance plan when it’s too late, after an accident. No professional can custom build the right plan for you, you either need … Click here to read more

  • Protect yourself when buying auto insurance online

    by Hayden Krueger

    Using the internet to get great deals

    In their quest for cheap auto insurance most people tend to turn to the internet to provide them with cheap auto insurance deals. The internet can allow you to receive five to ten auto insurance quotes in about ten minutes, which simplifies the whole process of shopping for auto insurance and also saves the person a great deal of time and money.

    The need for privacy

    While shopping online users used to be required to provide the system with their name, age, sex, location, information on the car you drive, driving record, driver’s license number and social security number in order to generate the auto insurance quotes. Most users aren’t comfortable with sharing private information like their driver’s license number and Social Security Number and were thus uncomfortable with online quotes.

    The solution

    Auto insurance companies understood this need and rushed to the … Click here to read more

  • Picking the best auto insurance coverage in the market today

    by Hayden Krueger

    Irregardless of what you are looking for there are always the few companies who are the best in the business. These corporate giants define and quite literally runt he market; but how do you pick one from another?

    The same dilemma holds true for auto insurance too where customers are confused as to which company they should go for. Here is a short comparison of the best in the business to help you decide.

    Esurance is one of the biggest players in the market and a very popular choice among private motorists. Esurance believes in e-business and operates online, the signup process is super easy and requires no technical skills what so ever. If you can check your email you can sign up at their site, it’s that simple. Sign up, make the payment and presto you can download your policy and print it. A benefit of online operations translates … Click here to read more

  • Month to month auto insurance, affordability and functionality

    by Hayden Krueger

    If you have problems paying up the entire sum on your auto insurance premiums at one shot, then the best policy would be the month-to-month auto insurance policy. It is easy to sign up for this policy as there is a low down payment or no down payment depending on the policy. Following this you would be required to pay monthly installments on the annual premium. You can either pay in three, six, or twelve installments.

    The benefits

    Since the customer has the flexibility of monthly payments the strain on his or her finances is reduced and the customer is free and able to take better cover which they might not have been able to afford if they had to pay the premium as a lump sum. Also annual budgeting becomes easier for the customer since they don’t need to collect or take a loan for the lump sum payment. … Click here to read more

  • High risk auto insurance 101

    by Hayden Krueger

    Are you considered as a high risk when it comes to auto insurance companies? Are you insuring a teen, a senior or a high powered sports car? It’s no longer a secret that high risk insurance costs considerably more than normal insurance policies. Although the market has evolved to a state where there is hope for high risk drivers and more and more companies don’t believe in classifying drivers as high and low risk drivers. 

    What is high risk?

    Insurance companies calculate a risk factor each customer can mean to them. This is basically a numerical representation of the odds they will make a loss to a profit by insuring you. The higher the figure the higher of a risk your policy is to the company; you share part of this risk by paying a much higher premium thus increasing the chances of a profit and leveling the playing field. … Click here to read more

  • Auto Insurance policies with low down payments

    by Hayden Krueger

    Many factors affect your insurance premium, and very often they are not factors you can control. For example a young single male driver you will undoubtedly attract a higher premium and there is nothing he can do to change it; sure he can take a few driver’s ed courses but that wont get his premium down as much he will most normally need it to be. 

    Similarly a single parent whose 16 year old is learning to drive will have to bear a huge spike in auto insurance premiums, or someone who lives in a neighborhood infamous for vandalism will not only have to put up with the constant fear of their car being damaged or stolen but also a much higher premium. Very often these increases in your insurance premium don’t seem fair, but its how your insurance company works. Most people living frugal lifestyles can’t afford to pay … Click here to read more

  • Used Vehicle Auto Insurance Information at your Finger Tips

    by Hayden Krueger

    People who are thinking of buying a used car for the pure fact that it sounds like a cheaper deal, make sure that everything is checked and reviewed before the actual buying of the vehicle. One doesn’t just have to think about the vehicle, but he will also have to research about used car insurance that he is going to need.

    The first step is to gather as much information possible about the used vehicle. Being a used car, one will have to assume that the car has had up to 5 owners prior to him. It is necessary to get as much information about the last owner of the vehicle. You will need to find the answers to a lot of questions- what was the kind of care that the last owner took of the car? Was it checked on a regular basis? Was it used to carry very … Click here to read more

  • RV auto insurance information you cannot afford to miss

    by Hayden Krueger

    RV stands for recreational vehicles. For the uninitiated, they are homes on wheels for a lot of people. But essentially, they are just cars with trailers. This brings us conveniently to our topic at hand.

    As opposed to car insurance, RV auto insurance can get quite complicated and not to mention, expensive. This stems from the fact that RV’s are generally larger and can be regarded as more dangerous and prone to mishaps than cars. Trailers have been known to detach themselves from the car and cause damage inclusive of, but not limited to self and traffic on the road. Although RV’s are primarily used for camping trips, they are a means of transport and a suitable alternative for a large number of people who are constantly travelling and on the move all the time. As mentioned above, dangers arise constantly in RV’s and owners need to be extremely cautious … Click here to read more

  • Revealing all about auto insurance that you need to know

    by Hayden Krueger

    The term motor vehicle insurance refers specifically to the coverage given to motorcycles, cars and trucks. In the event that an accident causes bodily harm as well as damages to livelihood and property, it is this kind of coverage that allows a policyholder to file for a claim.

    It is known that owning auto insurance is necessary if you own a vehicle; it is required by the law to have insurance for the vehicle as well. If one does not comply with these rules, heavy fines are imposed or still worse, one can be made to serve time in jail. The minimum requirement is for one to have liability insurance coverage for the third party, in case damages are received by the third party in case of an accident.

    The coverage offered by motor vehicle insurance may include loss of life, and damages of property, received by policyholders and third … Click here to read more