Most Recent Auto Insurance Guide in Auto Insurance Basics

  • The benefits of Purchasing Auto Insurance from the comfort of your own home

    by Hayden Krueger

    How can you purchase your auto insurance premium from the comfort of your own home? Well, the answer is simple; the internet. Most people today have access to the internet and auto insurance companies are taking advantage of this knowledge. It makes it easier for both you and the company and it saves them a lot of money as well, and they pass the savings on to you!

    One of the major benefits, and indeed the one that draws most people in, is that fact that you can save a large sum of money from purchasing your auto insurance over the internet.  The rates offered by the auto insurance companies are often a lot lower if purchased online, and indeed you will often get discounts for purchasing online. It saves the auto insurance paper, personnel, and a lot of other costs when they do business with you online.

    As well, … Click here to read more

  • Steps to take before and after an auto accident

    by Hayden Krueger

    An auto accident is always a traumatic experience. And you can never say when you might be involved in one. The best thing to do is not panic and tackle things rationally. If you do the right things after an accident, you can save a lot for yourself. And we are not talking just about money.

    • Before you are involved in an accident, take time to sit down and read your auto insurance policy thoroughly. And if you have any doubts or reservations about anything written on the policy, you must call your agent and clarify.
    • God forbid you meet with an accident; the first action that you must take is to find out whether you are injured. If you know that you can move, try looking for other people who are injured. And then move away from the scene of the accident as soon as possible. A lot of
    • Click here to read more

  • How to use the internet to get cheap auto insurance

    by Hayden Krueger

    Everyone is looking to save money in their budget these days. Times are tough and everyone needs to save money, even the very well off aren’t as well off as they used to be. One of the major ticket items in people’s budgets is their auto insurance premiums.

    For most people in most parts of the world it is also something they must have in order to be able to legally drive. If you are reading this, this is most likely the case for you as well. So, how can you reduce your auto insurance rates or find a better deal with better coverage? The internet, it is your source for cheap auto insurance deals.

    Most auto insurance companies these days advertise and offer the option of purchasing auto insurance online. It saves them time and money and it will save you time and money. There are websites that you … Click here to read more

  • Effect of using your personal car for business on auto insurance coverage

    by Hayden Krueger

    Are you thinking of taking up catering as a home based business? It’s a very good idea. Considering that there is a huge number of students and office going bachelors and bachelorettes looking for some home cooked food. But are you thinking of using your minivan which you already own? Well, you will need some additions to your auto insurance policy in that case. You can avail business auto insurance on such vehicles that are used for commercial purposes.

    Almost all insurance companies will not reimburse you for losses that you suffer while using your vehicle for business purposes while owning a personal or private auto insurance policy. You need to own a separate business or commercial auto insurance policy in addition to your regular policy. Or if you have been with a company for a long time and can establish that you are just going to be doing a … Click here to read more

  • Auto Insurance information that all need to know

    by Hayden Krueger

    Auto insurance is a type of insurance one purchase’s on their vehicle in the case of an auto accident or collision. It is there to insure that in the case of a vehicle collision, you will not have to pay all the resulting damages and medical bills from your own pocket, at least not all of it.

    Auto insurance is often required in many countries and states in order to legally drive on the road. This is to insure that in the event of an accident, you are financially sound enough to cover the costs and that it will not financially ruin the other person or yourself. It is basically a safety net required by law.

    How much auto insurance, or whether or not you must have it, will depend on where you live. It can be very high in some areas or very low in others. For example if … Click here to read more

  • Auto Insurance Fraud! What you know can save you!

    by Hayden Krueger

    In today’s world, we are faced with a lot of difficult choices when it comes to our financial responsibilities. A lot of us have to cut back on our budget costs. Some people have unfortunately chosen to go a different route and have decided to commit auto insurance fraud.

    Auto insurance fraud is quickly becoming the fastest growing form of fraud in America and many other parts of the world. People view it has a quick and painless way to make a lot of money. They over insure a vehicle and then purposely create or stage accidents or collisions to collect on the large amounts of auto insurance they are insured for.

    This is a very serious problem and the consequences of committing auto insurance fraud are something you should look at. Not because you may be considering committing this crime, but because you yourself could become a victim of … Click here to read more

  • Auto Insurance Claims: What to do in the event of an accident or Collision

    by Hayden Krueger

    No one wants to think about it, but chances are you will some day find yourself in the position of having to file an auto insurance claim. It might not have been your fault, but you need to make sure that the claim goes through smoothly without any speed bumps as you need to get your money as soon as possible. So, what are some tips for filing a successful auto insurance claim?

    In the event of an accident or collision, your main priority will always be any injuries or deaths that may have resulted because of it. After all you can replace a vehicle and personal belongings, not your health or loved one. Once that has been dealt with, you will need to take some steps to insure everything goes as smoothly as possible.

    Take note of everything around you and everything that is happening. If it is possible … Click here to read more

  • A green ride can save you money on auto insurance

    by Hayden Krueger

    For the past decade or two there has been a surge in green consciousness. People are trying to find new ways and means to reduce their carbon footprint. And thankfully there have been rapid strides made on the technological front, which has opened up possibilities which were previously unheard of. Hybrid vehicles and purely electric vehicles are already available to the common consumer. But since the cost of acquiring such a vehicle is exorbitant, auto insurance companies have started giving out certain benefits for people who own and operate such a vehicle.

    A hybrid car would cost you almost twice as much as an equivalent gas guzzler. It helps that you get some sort of incentive from either the government or other ancillary companies like insurance companies. In fact, in certain states across the country the government is giving out tax rebates on hybrid automobiles. California is a stellar example … Click here to read more

  • What to keep in mind whilst picking out your auto insurance company

    by Hayden Krueger

    Criteria to remember while picking the company

    Everyone wants to get the best when it comes to buying a product- the best service, the best product, the best brand in the business; so why should it be any different when it comes to buying auto insurance? Quality is the keyword. When purchasing auto insurance, many people fail to research whether the company they go with has a good track record of quick and efficient service. The lure of cheap rates lures them and they end up paying dearly when it comes to filing a claim.

    People staying in different parts of the country have to pay different rates for their insurance policies, so a majority of people rate affordability as their number one priority when it comes to choosing their insurance policy. But it just this isn’t enough; the company’s customer support, the financial stability, and many other factors should … Click here to read more

  • Unraveling all about auto insurance

    by Hayden Krueger

    The motivation to research your auto insurance

     Most customers “call the number on the screen” like they are told, or take the number off a billboard when buying insurance. Not only does this prove to be very very expensive, it also proves to be a sham in most cases; yes a sham, because your insurance doesn’t really cover you from all possible aspects. What is the use of buying insurance if you’re not covered when you need it; such insurance can be best described as a parachute with a huge gaping hole in the center. 

    Now what if you have paid a handsome sum for that parachute, makes it so much worse doesn’t it?

    The only consolation of buying a weak product comes from the fact that it was cheap to purchase; this doesn’t hold true for insurance. Most bad insurance plans which are bad in the way that they … Click here to read more

  • How car insurance can help you prevent road rage accidents

    by Hayden Krueger

    What is road rage? 

    In today’s world, there is an increasing amount of stress placed on people- at work, home, pretty much everywhere. People also get stressed while driving; traffic woes are unending, there are loads of people who blatantly break traffic rules adding to one’s frustration. Road rage is a common phenomenon seen these days because of these reasons. In the past, cars were driven for pleasure, there was little to no traffic on the roads. But driving for pleasure today is a luxury that almost no one can afford. Thousands of American drivers get into accidents each year owing to road rage, in addition to verbal spats and physical assaults on the roads. 

    Who is susceptible to road rage? 

    It is mainly individuals falling in the age group of 18 to 35 years. People belonging to this age group are found to be most likely to indulge in … Click here to read more

  • How a single parent can manage a teen driver’s insurance

    by Hayden Krueger

    The teenage years are a strange time for anyone; we’ve all experienced them. Teenagers are like kids inhabiting bodies of adults. There is no greater feeling for a teenager than when he gets his first car. The car, for a teenager signifies independence. But as the parent of such a teenager, it is necessary to also provide your teenager with adequate insurance, at least the minimum requirement put forth by the law. 

    Why is teen insurance necessary? 

    Teenagers are the reason for the most number of car accidents; this is primarily due to their inexperience. They have a higher tendency to speed and also to over-correct, which can be a lethal combination. Because of this, teenagers are very costly to cover when it comes to their auto insurance. For a parent who is divorced, this can prove to be a big challenge. But just because it is a challenge, do … Click here to read more

  • Auto insurance protection against theft

    by Hayden Krueger

    The second biggest investment a person is likely to make after the purchase of their house is a car. Most people today are taking after the Japanese philosophy that you cant drive your house around, nor can you boast to anyone how big your house it; but you can certainly look cool in a good car! Possibly the worst thing that can happen to any car owner is vehicle theft. Thousands of vehicles are stolen everyday and many of them are resold after their chassis and engine numbers have been replaced by fake numbers. 

    Crooked second hand car dealerships pay thieves small amounts like a few hundred to a thousand dollars to steal a car and sell it to them; these thieves patrol the streets and look out for an easy target, once the target is found they observe the person for a few days and learn his or her … Click here to read more

  • Protect yourself from Auto insurance fraud today!

    by Hayden Krueger

    When getting insurance cover 

    Never entertain calls or quotes from unsolicited insurance brokers; they might not even be calling from where they say they are. If the company which gives you the quote provides you with a suspiciously lower quote as compared to other companies which seems too good to be true, it most likely is. If you are being offered a good deal by a company that you haven’t heard of or is a new entrant into the auto insurance market be wary and check with your states insurance department and your DMV (Department of Motor Vehicles if the company is registered and has any trials of cases of fraud against them.; if the company and agent aren’t licensed its best to let them go and buy insurance from a well established company.

    The Better business bureau allows consumers to check up on financial institutions on their website and … Click here to read more

  • Auto insurance terminology at your fingertips

    by Hayden Krueger

    The world of auto insurance is a simple one, one you understand what they mean when they use those ever so complicated jargon in your policy document, when they talk to you and every other opportunity they get! 

    Bodily injury Liability: coverage from financial liability arising from medical bills due to bodily harm in an accident where the policyholder was responsible for the accident.

    Collision cover: cover from financial liability caused due to damage to the policyholders vehicle due to collision with any other object.

    Comprehensive cover: Cover from financial liability caused due to damage that doesn’t involve a collision with another vehicle. Covers common damages such as vandalism, fire, theft, earthquake, explosions, flood, falling objects, and even missiles!

    No fault insurance: covers the policy holder from any financial losses regardless of whose fault it is. Generally the practice is that the person who is at fault pays the damages … Click here to read more

  • Auto insurance for hit and run cases

    by Hayden Krueger

    Throughout the country there are numerous instances of hit and run; and the number of instances is steadily increasing. Seven out of eight accidents are caused by other reasons while one involves a case of hit and run. A majority of hit and run cases involve the defaulter fleeing because they don’t have insurance, or they are intoxicated or know that they are in the fault and will definitely be convicted. According to a statistic released by the
    National Highway Safety Traffic Administration 80% of all hit and run cases cause only property damage and no bodily harm at all.

    The victim

    The true victim of such a case is the person who has had his vehicle damaged and has no idea of who did it. The good news is that since most hit and run cases involve only property damage and not bodily injury, chances are that you are … Click here to read more

  • Auto insurance for classic and vintage vehicles

    by Hayden Krueger

    Classic car insurance is very difference from general auto insurance. With the exception of the reason for buying the auto insurance cover almost everything else is different.

    What are classic and vintage cars?

    A classic or vintage car can is typically a vehicle that is a few decades old. Classics, antique vehicles, collectible vehicles, custom built trucks, street rods, pro street race cars, and replicas are all considered under this bracket.

    The need for different insurance plans

    Auto insurance for a classic or vintage car is very different from normal cars since these cars appreciate with time. Most cars of today will depreciate with time and their market value will keep dropping till they end up in a junk yard waiting to be demolished and reused as scrap metal. A classic car on the other hand gets more expensive with each passing day; in fact the primary deciding factor on … Click here to read more

  • Getting auto insurance for your Hybrid

    by Hayden Krueger

    How the Hybrid can make a difference

    Pick up the newspaper- at least three articles or stories can be found that are related to environmental problems. Climate change seems to be the new buzzword these days. Cars seem to be in the forefront when it comes to contributing to the release of harmful gases that exacerbate the Greenhouse Effect. It isn’t just environmentalists though, who are up in arms about this blatant wastage of fuel in cars; some automobile companies themselves supported this stance. Thus the Hybrid car was born. It is a clean vehicle; the need of the hour.

    Why get a Hybrid?

    The biggest problem that consumers faced is the price of the vehicle. Many found it too expensive, and no one would want to pay such amounts when they could get that smashing sports car that catches everyone’s eyes for a couple of extra grand. To combat … Click here to read more

  • Catalytic converters and auto insurance

    by Hayden Krueger

    Catalytic converters make easy targets for auto thieves. Vehicular thieves are always on the lookout for easy money and stealing your catalytic converter or cat con as it is popularly known is an ideal choice. A cat con can be stolen in under two minutes and is as easy as easy money gets for a car thief; needless to say the number of cat con burglaries is on the rise as it always has been.

    Background of the cat con

    The cat con was introduced in the United States by a government passing in 1975. The purpose of the cat con is to convert harmful exhaust fumes into less harmful substances before they are passed out from the exhaust system enter the environment. A cat con is mandatory in all vehicles in the Unites States and failure to have one can easily be noticed by the police due to the … Click here to read more

  • A practical approach to buying new auto insurance

    by Hayden Krueger

    Its human nature to get comfortable with a setup or system and not want to change; however at times change is inevitable and we must go with the flow. Auto insurance premiums vary more than most people imagine they do insurance for an old car can cost you anything from $1000 to $1800 annually. Sticking with the wrong insurance company can mean you pay almost double the premium you have to.

    Analyzing your driver’s record, Understanding your need

    Many people start looking for quotes as the first step, while this is an effective method it’s not the best. The first thing you should really get cracking on; is to comprehend your need from your insurance policy. It’s imperative you do this calculation and comprehension activity on your own and not hire someone to do it for you, avoid accepting help from friends too; while advice can be fine you are … Click here to read more