Most Recent Auto Insurance Guide in Auto Insurance Basics

  • Being knowledgeable about auto insurance for teenagers

    by Hayden Krueger

    Auto insurance is very difficult to procure for teenage drivers. It is not only difficult to get it in the first place, it is also very expensive to maintain. Hence there is a need to properly analyze the situation before registering your kid into a policy that you might regret in the long run.

    Before you register yourself into a policy, make sure you know the details about the policy. Use the internet to find out as much as you can about various policies. There are many websites that offer free auto insurance quotes online. Get online and look for the best deal by putting in your details. You may need to give your kid’s name, your contact number and address. You will also need to give out details like driver’s license number, social security number and vehicle identification number. If you are going to be sharing your vehicle it … Click here to read more

  • Basics for women getting auto insurance

    by Hayden Krueger

    There is definitely no dearth of auto insurance companies these days, and in a bid to outdo the other, each company is trying to give a number of different packages, at competitive pricing rates. Women are specifically targeted by auto insurance companies nowadays, as number of women drivers on the roads is increasing. Charming auto insurance sales reps plan campaigns specially to sell insurance policies to female customers.

    Insurance experts have conducted many studies, which have revealed that a majority of women drivers are shy and feel vulnerable when it comes to buying both, vehicles, as well as auto insurance policies. This is undoubtedly caused due to the fact that the auto industry is male dominated- the testosterone probably making them domineering, strong willed, with even stronger personalities. Women, with their softer personalities and maternal instincts, still, in many cases, feel like fish out of water when it comes to … Click here to read more

  • Auto insurance quotes and you

    by Hayden Krueger

    A lot of information is provided online on insurance, especially if you’re looking for affordable rates. You can get quotes from a number of insurers and what’s more, you pay zero! But always remember, that you need to select the kind of policy you need beforehand, else you might end up with a major problem- a wrong policy.

    Once online, you will have to fill out profiles, or answer questions about yourself in order to get such free quotes. Always answer these questions truthfully, because they will the basis of the quotes you get. Factors like your credit rating, your driving record, your vehicle’s condition, and even your own health, will be scrutinized. The location of the registration of y our vehicle may also be taken into account. You may ask how this may affect your quote. When a vehicle is registered in a suburb, or a rural area, it … Click here to read more

  • Auto insurance from natural calamities and disasters

    by Hayden Krueger

    Vehicles are as prone to damage due to flooding and hail and other natural disasters as your other immovable assets are. Hence auto insurance companies have the provision to provide with cover for damage due to such natural calamities.

    Its imperative for you as a motor car owner to sign up for an insurance policy which covers natural calamities and disasters in order to protect your own interests, a few dollars spent on insurance is well worth it when compared to the possible repair costs. It seems impossible for hail to damage your car, but there are thousands of documented cases where hailstones up to 1.5 inches in diameter have damaged cars, if you live in the tropics, you need not worry about hail, but you should be wary of flooding.

    Do not take damage to your vehicle lightly in the event of a natural disaster, and always survey your … Click here to read more

  • All you need to know about business car insurance

    by Hayden Krueger

    The scope for entrepreneurship is ever widening in today’s times, and young entrepreneurs don’t just need vehicles, they need auto insurance for these business vehicles. On an average, a businessman will need several cars to carry out company operations and deliveries. Such a businessman will need several business car insurance quotes, if he is to avoid costly litigations, and major expenses that can be incurred as a result of a collision or an accident. If you are a businessman or an entrepreneur, you will have to be absolutely sure that you are covered by the right policy; otherwise your business is prone to suffering huge losses.

    As with normal auto insurance policies, you need to compare business car insurance quotes as well for the vehicles that you will be using for commercial purposes. This will save you a lot of money in the long run. You will need to browse … Click here to read more

  • A comprehensive guide to Business car insurance

    by Hayden Krueger

    If you own a business which deploys a number of vehicles you cannot afford to do without business car insurance. A business is all about profitability, and expenses on repairing a damaged car, paying for the employs medical bills, hiring someone else to handle his or her work while they are out of work, and any other legal fees can mean a colossal setback for your business. That’s where business car insurance comes in, it provides you protection for your entire fleet, without breaking the bank.

    Request quotes from various insurance companies, bear in mind, not all companies offer business car insurance, so scout around for companies that do. The internet is one of the most powerful resources available to you, and best of all, it’s free. Make the internet work for you, go online and request for a few quotes, you should ask for five at the minimum.

    Gather … Click here to read more

  • Guide on Preventing Auto Insurance Scams

    by Hayden Krueger

    Each and every industry is prone to being affected by unscrupulous people who trick others for their own benefits. The auto insurance industry is no exception to this phenomenon since many unscrupulous people trick car owners for their own benefits. This article will elaborate on some of the common types of auto insurance scams and a few ways to avoid these scams.

    Accident Scams

    Staged accidents also known as rear end accidents are the most common type of auto insurance scams. In this type of scam the scammer gets behind an innocent car driver and then the scammer slams on his break which causes his car to bump into the other car driver’s car. Since the scammer usually disconnects his brake lights before pulling off this scam the best way to detect such a fraud is to look out for non functional break lights when someone is moving close to … Click here to read more

  • Auto insurance for teenagers

    by Hayden Krueger

    Teenagers have a hard time getting low cost auto insurance in this country. This is due to a number of factors. And the number one factor is that statistics show teenagers to be the highest cause for car accidents in the country. And no amount of whining is going to change hard statistics; hence it is better to work around the problem.

    Now that we already established the fact that teenagers cause a majority of the traffic accidents, we shall analyze why this is so. The most obvious reason is that they lack experience. Driving is something that needs impulse or instinctive reactions to a situation. No amount of practical training will be sufficient to replace years of experience. Hence it is important to get as many miles behind the wheel as possible.

    Another cause is that teenagers are known to be irritable and are prone to mood swings. Such … Click here to read more

  • Things Auto Insurance Companies Check before Giving You a Quote

    by Hayden Krueger

    Many people who buy auto insurance are not aware that the insurance company checks through the applicant’s records thoroughly before they decide to give the person a quote. While many people argue that there is nothing much that can be done about a background check the fact is that by knowing what things are checked you can straighten out your records before renewing your insurance policy. The following paragraphs will elaborate on the most common and crucial things that auto insurance companies check before giving you a quote. 

    Financial Records 

    Your financial records consist mainly of your credit report and credit score. Your credit report has details of the credit cards you own, the amount of debt you have taken and if you have missed any late payments or not. Your credit report also other important financial details such as if you have filed for personal bankruptcy or not. 

    Your … Click here to read more

  • Understanding your Own Auto Insurance Needs

    by Hayden Krueger

    While buying auto insurance many people buy what is needed by the state and they do not evaluate their own vehicle insurance needs. Buying the bare minimum definitely lowers premium costs but it also makes the person liable to pay for damages at the time of an accident. This article will help you understand how to determine your own auto insurance needs so that you can opt for a suitable cover. 

    State Laws 

    The state laws govern your actions while you buy auto insurance. Depending on the state you live in you will be required by law to opt for certain liabilities and the state will also govern the minimum cover for these liabilities. Property damage liability is mandatory in 15 states of USA and bodily injury liability is mandatory in most states. The minimum limit of these two liabilities depends on the state you live in. 


    There are … Click here to read more

  • Auto insurance for senior citizens

    by Hayden Krueger

    Senior citizen auto insurance is very much more valuable than conventional auto insurance. This is because most of the senior citizens are living on a shoe string budget. They may be relying on their retirement benefits for their survival and in a situation like this; they will not be able to afford to pay for any damages or injuries incurred as a result of an accident.

    Senior citizens are generally charged more for their auto insurance than a normal middle aged person. This is because as people age, they gradually lose their neuro motor coordination. Their reaction speeds decrease slowly till finally they may stop reacting to external situations.

    It is important and even required by law that senior citizens regularly get checked for their driving skills. They must prove that they are capable of maintaining a valid driving license. They must show that they still remember all the road … Click here to read more

  • Five Ways to Find the Best Auto Insurance Company

    by Hayden Krueger

    Insuring your car for the first time can be confusing since there are a number of companies and policies to choose from. Finding the right auto insurance company can seem like a hard task at first but there are a few tips that can help you find the right insurer with ease. This article will elaborate on 5 such useful tips that will help you find the perfect auto insurance company for your vehicle needs. 

    Look for Reputed Companies 

    Although it may be tempting to opt for an auto insurance company that is new in the market since they provide discounts it is always better to opt for reputed companies. New companies that are just starting out may not have perfected their process which means that while filing a claim you may have to wait for a long time for the claim to be accepted. Reputed companies on the other … Click here to read more

  • You crashed, what’s next?

    by Hayden Krueger

    No matter how careful a driver you are, everyone has an accident, through their own fault, or through the fault of someone else, but the hard and ugly truth is that most people who drive consistently are likely to have a car crash.

    First check to see if you’re ok; the other person? If all is well, stay calm, and speak to the other driver, exchange insurance information. If not, dial 911, immediately and ask for medical assistance! 

    Assuming that neither you nor the other driver is badly injured, here is what you need to do 

    Start off on the right foot  

    Stay calm; you have been through a traumatic experience, stay alert, and positive. 

    Get your story straight 

    Recall what happened, make a drawing, you have just gone through quite a traumatic experience, and it’s common to forget smaller details, smaller details that can get you off the hook! … Click here to read more

  • While filing an auto insurance claim

    by Hayden Krueger

    With the number of vehicles on American roads ever increasing, the chances of you having an accident and having to file an auto insurance claim are very high. But don’t be alarmed, personal injuries aren’t a problem in a majority of auto insurance claims.

    The steps to making a claim are quite simple- you call the insurance company to make the claim, the adjuster visits you to assess the repairing costs, and then you may repair your vehicle with the money that the insurance company sends you via a cheque.

    All insurance claims have a mandate rule- you need to provide proof of damage or proof of injury. Under this, 5 aspects are taken into account- what is told to the insurance company by you, what is told to the insurance company by the other party, the police report, the actual physical damage at the scene of the accident and … Click here to read more

  • The starter’s guide to Auto insurance

    by Hayden Krueger

    Your auto insurance premium is calculated on the basis of a few facts about you, and a few facts about your car, your usage pattern, and the neighborhood you live in, and of course, the ever so popular credit rating. This is all secondary of course, to the coverage provided by your policy. First things first, understanding your insurance cover. 

    Liability insurance 

    Liability insurance covers property damage and medical care in the event of a crash, if it was your fault. The state minimum requirements are exactly what they claim to be, the minimum acceptable cover, and this is by no means close to being adequate. Whatever your liability cover doesn’t protect you against, you are liable to pay for. A safe figure to go by is $100,000 per person in the car, $300,000 per road accident (this way you’re still protected in the event of multiple accidents) and $50,000 … Click here to read more

  • The benefit of multiple auto insurance quotes

    by Hayden Krueger

    Everybody needs to secure their investments and assets. Consumers turn to Auto Insurance Companies who charge them a premium in exchange for protection against theft or damage to their vehicle.

    Now needless to say there are various companies out there for you to choose from. This truly is a consumers market, we have today. You can study the pros and cons of each auto insurance company and then go with the company of your choice. Each company has their own insurance policies; some provide only the very basic covers, while some have a wide array of coverage for you to choose from. Once again, you need to put in a few hours of effort into learning all the options open to you.

    As a consumer it can get very confusing, with each auto insurance company claiming to be the best in the business. The use of fancy advertising gimmicks and … Click here to read more

  • Teen Auto Insurance for Dummies

    by Hayden Krueger

    Your teenager feels a magical transformation into an adult when you hand him over your set of car keys. But as a parent you have also the responsibility of providing your teen with insurance.

    Since teenagers do not have any driving experience, they fall into a ‘high risk’ category, which is why premiums assigned to them by insurers are much higher compared those rates of an adult’s insurance.

    It is found out that the crash rate for teens is many times higher than a person in their mid 20s, and so it comes as no surprise that teen insurance is so much more expensive. A few tips can help you to cut costs when it comes to paying for your teen’s insurance.

    The first step is to find an insurance agent who is specialized in teen driver insurance. It isn’t only important to get a good rate, it’s more important … Click here to read more

  • Insuring your modified car

    by Hayden Krueger

    Modified cars draw a higher associated insurance premium. This is bad news for most motor car enthusiasts. If you own a modified car, or plan to modify your existing car, read on.

    Modified cars are mostly driven by enthusiasts, and auto insurance companies see this as a high risk factor. Arguably it is possible that a car is indeed safer in the hands of an enthusiast; sadly that’s not the way most auto insurance company sees it. Another point of concern is that a modified vehicle is categorically more expensive than an un-modified vehicle, and they are of higher value to an automobile thief, which again associates a higher risk for your insurer.

    Automobile insurance companies compare the current configuration of your vehicle, to the “stock” (factory) configuration of the vehicle to differentiate between modified and non modified cars.
    Since the benchmark used to measure modification is so ambiguous, even … Click here to read more

  • Auto insurance for senior drivers

    by Hayden Krueger

    The times are changing, and many senior citizens are far more self reliant than they have ever been. They prefer to have their own vehicles, and the freedom to drive to wherever they wish to go at whatever time. However, the sad truth is that a majority of fatal road accidents are caused by seniors. This is caused by various factors which include degradation of eyesight and reflex actions and weakening of driving skills which are the main causes.

    Due to this situation, automobile insurance companies view insuring senior citizens vehicles’ as the highest risk group to ensure, this leads to them paying the highest premiums on their policies.

    Senior citizens need to be very cautious on the road, and ensure they maintain a defensive demeanor whilst driving. They key point is to stay attentive, the highest number of accidents happen at intersections, were there is an influx of traffic … Click here to read more

  • Ways to Avoid Auto Insurance Problems – Auto Theft

    by Hayden Krueger

    Majority of car owners who have auto insurance feel that their car is well protected from auto theft. While this may be true in some cases the fact is that vehicle insurance does not cover for personal belongings that were stolen and it doesn’t cover for all the out of pocket expenses. This article will elaborate on a few ways to avoid the main auto insurance problem that is auto theft. 

    Old Cars are also stolen 

    If you have an old car that is not being manufactured anymore then you may be under the impression that your car is safe from auto theft. The fact is that new cars are stolen for their worth and old cars are stolen for their parts. Since it is hard to find replacement parts for old cars these cars are stolen and sold to chop shops where the parts are removed and sold. 

    Park Click here to read more