Most Recent Auto Insurance Guide in Auto Insurance Coverage

  • The truth behind free auto insurance

    by Hayden Krueger

    There are many myths in the car insurance industry. Like many urban legends, if you don’t seek the truth, you will be likely to get lost. Interesting as they are, some are half-baked while others are just utterly ridiculous.

    With all these noises going around about auto insurance, finding a genuine company to trust and work with can be a daunting task. And since many of them never failed to claim as being #1 in delivering insurance services, uncovering which ones that are only interested in selling you out is, nonetheless, important.

    Perhaps you have heard about free auto insurance. A heavily advertised propaganda aimed to entice people to buy policies with them. Well, we are sure that there are free auto insurance quotes out there, but to give free auto insurance policies seem too good to be true. Personally, I have not seen a single insurance company giving away … Click here to read more

  • Ten Useful Tips to Find that Cheap Car Insurance

    by Hayden Krueger

    If you are like everyone who’s looking for that cheap car insurance, you are on the right path. In this article, we are going to discuss 10 of the most common ways to lock in the desired insurance coverage at a reasonable price.

    1. Work on your mileage. Mileage is a very important factor when it comes to auto insurance. The higher your mileage, the more time spent on the road, therefore, the higher the chances of getting into an accident. If you can limit your annual mileage, the chance is higher to find a cheap insurance coverage.

    2. Do not forget to shop around. We have been telling this method ever since we started this website. If you want the best deals or promos in your insurance, do not settle to a single insurance provider without shopping around for that particular coverage. Do not be afraid to try another … Click here to read more

  • Insurance comparison will save you money

    by Hayden Krueger

    It is a fact that insurance rates are continuing to rise each year, which means it makes sense to look for ways to save money on insurance rates by choosing coverage that is within your budget. So how exactly do we do this? What are the things that we need to understand or look into to be able to know that this particular type of coverage is good for us? Actually, we have identified four factors that you might want to consider when deciding on your auto insurance policy.

    Choosing between direct insurer or insurance agent

    Direct insurer means that you do not deal with insurance agents but instead buy the policies directly from the insurance provider. For many years, we have relied on insurance agencies or agents who carry multiple types of insurance from home, auto to life insurances, and expect them to deliver these policies to our doorsteps. … Click here to read more

  • How to Better Manage Your Accident Insurance Rates

    by Hayden Krueger

    Most drivers are not aware that when they are driving, they are likely to suffer from hypertension. Have you tried reading your blood pressure while you are driving? Well, prepare to surprise yourself.

    For many years, people drive and experience ups and downs while driving. With thousands of cars being dumped on already busy metropolitan roads, it’s not surprising why there are so many accidents happening here and there. Driving requires nothing less but your full attention to avoid any road mishaps or cranky drivers.

    If you consider yourself a good driver, you are still not safe. You might as well use a force field to protect yourself. Without a doubt, if someone would invent one, it will take all our driving worries away.

    The fact that you are not driving alone, accident is still very much possible. You never know, if the driver behind or in front of you … Click here to read more

  • The Truth about Cheap Auto Insurance

    by Hayden Krueger

    Many people look for cheap auto insurance these days, and no wonder, there are countless of “cheap” insurance company everywhere.  Their sheer number and advertisements in radio, TV, and on the Internet can help you find one in no time.

    However, this leads us to another question. If such company exists, why there are so many of them, when people could just easily switch to that particular company and all the rest would fail. In this article, we’re going to talk about what a cheap insurance coverage is and why some people have stayed away from them.

    Insurance is all about determining your risk using predefined factors such as your car, age, occupation, location, income or credit. Insurers have known to use them all the time, just like your creditors or lenders using your credit scores to determine your financial capacity. Though they differ from many aspects, but the analogy … Click here to read more

  • The Real Cost Of Comprehensive Auto Insurance

    by Hayden Krueger

    Purchasing a new car, and shielding it with comprehensive car insurance is reasonable. This will give you the total protection above anything else in case something unpleasant happens. The only problem is that most people stop thinking about it if their insurances are deducted automatically, say through their checking accounts. Since, the worth of the car depreciates each year, the end result would be, that they are paying more than the car’s worth.

    Understanding Full Coverage Auto Insurance

    As the name implies, full coverage means you are protected from any kind of loss, regardless of who is at-fault during the accident. The insurance company doesn’t care who and what happened during that time, so to speak. Vandalism, theft and fire protection are covered in contrast with, for example, collision coverage that covers only head on collisions or some other types of insurance coverage, which are very specific in nature.

    Keep … Click here to read more

  • The Cheapest Auto and Homeowner’s Insurance Coverage Combined

    by Hayden Krueger

    It’s a New Year once again, and the right time to re-think your insurances. Many Americans are left wondering if what they are enjoying today, is truly the cheapest in the auto and homeowner’s insurance.

    The Auto insurance Coverage

    Different states have different insurance premium rates. However, according to the Insurance Information Institute, $850 seems to be the average that people pay for their annual insurance needs.

    Unfortunately, most Americans don’t take much time to know if the insurance cost they are paying is appropriate or not. They gladly, and blindly pay what their brokers have to say without even comparing auto insurance rates.

    If you were looking for ways to save money, start by checking your policy at least once a year, and making necessary adjustments would make a huge difference. Since, you know what your specific requirements are, it’s easy to tell what type of coverage suits your … Click here to read more

  • Protect Your Insurance Policy from Fraudsters

    by Hayden Krueger

    If there are online transactions, there are also scammers lurking around every corner. You could very well become their next victim, if you are not being vigilant and thorough at all times. The economy is recovering, but the effects still linger, and with so many people experiencing a cash shortfall, we could only expect that frauds will continue to rise each year. Desperate and probably losers, these individuals will continue to do their shady tricks even at your own expense.

    However, if there are bad people out there, we can’t help, but notice some notorious insurance companies as well. To help you identify the “bad apples,” here are a few things to keep in mind to protect yourself.

    When You Are About To Buy A Car Insurance

    Every business wants to deliver their message across by using various advertising tactics. You see them on Yellow Pages, huge street billboards, on … Click here to read more

  • Online Car Insurance: Do You Still Need The Conventional Way?

    by Hayden Krueger

    The Internet has truly revolutionized the way we deal with so many things from ordering pizza to buying auto insurance policies. Considering that there is a very little difference between the online and offline world, do you honestly think that a physical office is still important, to be considered as an ideal?

    Online Auto Insurance Providers

    For those who are adept using the Internet, spending time to look for reliable online insurance providers is worth their time for good reasons.  First, since online insurance providers don’t have to rent space or employ people, their rates are relatively cheaper.  It operates 24/7, which is pretty convenient, especially for nocturnal people. In most cases, many of them offer 24/7 support service, another convincing factor. It’s also possible to manage existing insurance policies, adding or removing features, with just a click of a button. Apart from that, these sites offer up-to-date information about … Click here to read more

  • Hunting Down That Elusive High Risk Auto Insurance Policy

    by Hayden Krueger

    Most of us know that to find cheap car insurance is as simple as pie. However, finding cheap car insurance for high-risk drivers is a different story, and oftentimes, can be a bit of a challenge.

    It’s normal for insurance companies to slap you with skyrocketing insurance fees, if your name falls into the high-risk category. By that, we mean that you are considered a high-risk driver, and by insuring you or your vehicle is a risk that they’re going to take. Now, in an attempt to cover this perceived cost, your insurance premiums will ultimately suffer, as you will be charged with nothing less, but steeper rates.

    This is a lesson learned for those who didn’t seem to care about their road performance, and hopefully for those who are planning to do the same. The consequences of their actions will reflect the cost of their insurance coverage.

    However, all … Click here to read more

  • Finding Cheap Auto Insurance in Georgia

    by Hayden Krueger

    Cheap auto insurance in Georgia is real, as long as you know where to find it.  Since, it isn’t as expensive as California, insuring your vehicle should be as easy as pie, The national average is pegged at $200 or less.  Even if you live in Atlanta, you can still find reasonable rates for your car’s coverage.

    Finding the Cheapest Auto Insurance

    If you really want cheap insurance, then go for the state’s minimum requirements. The limit structure is 25/50/25, which means $25,000 coverage liability per person, $50,000 for bodily accident per accident and $25,000 property coverage per accident.

    In Georgia, uninsured motorist coverage is not compulsory, but if you like, you can purchase this additional coverage very cheaply. At their own discretion, lenders may require additional coverage to protect against theft, vandalism or fire.

    The associated risks will have a huge impact when it comes to insurance premiums. Some … Click here to read more

  • When Affordable Insurance Coverage Becomes Costly

    by Hayden Krueger

    Whether we like it or not, most affordable or cheaper insurance policies will not give you the full protection that every driver need. This will open up a whole door of opportunity for financial obligations to get into. There are unusual situations that could possibly lead you to think that affordable policies are indeed, worthless.  The question can  you afford to cover what an affordable insurance coverage will be unable to provide? If your answer is yes, clearly a budget insurance policy is all you need. For those who have answered no, here are a few situational reports where you need to reassess your insurance coverage.

    Hit by an uninsured driver

    Some people are deliberately getting rid of their uninsured motorist coverage. This is only understandable because dropping off the supposedly unnecessary coverage will reduce the insurance premiums. However, do keep in mind that many policyholders have had regrets why … Click here to read more

  • How Accidents Will Affect Your Insurance Costs

    by Hayden Krueger

    The reason we buy insurance coverage is due to our needs to be protected while on the road. However, you might feel a slight pinch if the reason of your increasing insurance premiums is due to an accident. You think that insurance companies are becoming unfair because of such practice. First, let us understand the whole concept of insurance by reading the article below.

    It is a fact that getting involved in an accident will have a huge impact on your insurance premiums. This has been the practice ever since to remind people that getting into an accident is a costly mistake. Now, auto insurance companies calculate the premiums based on the level of risk that you currently have. It means that the higher the risk, the higher the likelihood of you getting into an accident and them (the insurance company) paying for all the damages incurred. To hedge the … Click here to read more

  • Auto Insurance Cost for Older Vehicles Could Raise Up

    by Hayden Krueger

    For many years, older vehicles usually end up with cheaper insurance premiums because they were less likely to be targeted by thieves. Unfortunately, a recent study has indicated that thieves is now targeting cars aged 20 years and older. This is disturbing news because this could potentially raise the existing affordable insurance rates enjoyed by the policyholders. Additionally, even cars between 14 and 20 years old are burglarized as well.

    Now that these types of vehicles have become the target of thieves, as a policyholder and owner, the liability only policy might no longer be appropriate for older vehicles, and that you need to find ways to get some replacement in case your car becomes the victim. In this article, we are going to give you some tips to save money as well as to find a potential insurance company that will provide you with the said coverage.

    Comparing auto … Click here to read more

  • Auto Insurance: Marriage Affects Insurance Prices

    by Hayden Krueger

    I am not sure if you have already heard this idea that getting married will affect your insurance costs. If you are wondering if such belief has something to do with your insurance prices, stick around.

    Most insurance companies allow marriage couples to combine their policies under one account. If you do so, expect that there will be changes that you will notice such as additional discounts, benefits, and possibly other perks. However, it is not a universal principle that combining policies will automatically get you those benefits. It would still depend on your driving records, residence, work, and so on. Combining policies will also enable marriage couples to manage easily their insurance needs and obligations under one roof.

    As mentioned earlier, combining policies to find cheaper rates is relatively difficult if one or both of them have problematic driving history. It is also possible that if one couple has … Click here to read more

  • Affordable Car Insurance for Young Drivers

    by Hayden Krueger

    Affordable or cheap auto insurance is possible if you know where to look for and what you need. If you put a little effort, in terms of your research, you will be able to find one in the least possible time. In general, drivers below 25 years old are usually considered as high-risk drivers, hence, their expensive premiums. The good news is that you can reduce these rates if you apply the tips that you are going to learn below.

    Teen drivers are automatically considered as high-risk personalities. If we are to compare their rates to experienced drivers, we can tell that insurance companies have grudged on them. However, this is far from the truth because insurance companies are using statistics and tables to determine the risk levels of individuals. Statistically, many of our teen drivers are involved in car accidents each year resulting to their skyrocketing insurance costs. In … Click here to read more

  • Texas Liability Insurance

    by Hayden Krueger

    If you want to drive in Texas, you need to have auto insurance coverage. All the residents in the Lone Star State would have to follow the laws that encourage them to become responsible motorists in terms of being able to pay possible damages in an event of a vehicular accident. An automobile policy is therefore, mandatory. Nearly all states in the US require a minimum protection known as liability coverage that contains specific limits, which needs to be met to drive legally in that particular state.

    In Texas, the minimum liability injury is set at $30,000 per person, $60,000 on a single accident, and $25,000 to cover property damages. These figures took effect last January 1, 2011. This means that during an accident, the expenses and damages incurred to the other party will be shouldered by the at fault driver’s insurance company based on the amount mentioned above.

    The … Click here to read more

  • Paying For Insurance Coverage by Installments

    by Hayden Krueger

    Many people cannot afford to pay the full price for insurance; therefore, the ability to pay monthly payments is the most preferred option. This will allow anyone to receive the product or commodity for relatively low initial budget outlay. Using credit to get the things that we want to have is no longer a new thing because it has been practiced for many years already. Such method is now being applied in purchasing insurance, though most of the people have opted to use it on short-term policies only.

    For those who are planning to switch insurance providers usually end up selecting short-term policies to avoid paying the unnecessary cancellation fees. In this manner, the insurer who is receiving a credit purchase will not receive the full payment, which means that both the cost and profit are not realized yet. Most of the states in the US have certain laws to … Click here to read more

  • Effective Ways to Decrease Your Insurance Rates

    by Hayden Krueger

    All policyholders want to reduce their insurance premiums. Without a doubt, insurance coverage is probably the most important investment one could make, but if you are on a shoestring budget, you seriously need to find the right amount of coverage without having to spend a fortune.

    Insurance coverage is mandatory to anyone who drives a vehicle. However, many drivers don’t feel its importance and felt that being mandatory is too much to bear with. In turn, they resort to find ways to reduce their expenses, some even dropping their coverage, risking their own lives and others. It’s rather unfortunate to think that many drivers, being obliged to buy insurance, will do everything not to do it or at the very least buy those extremely cheap policies. They did not realize the consequences of driving without insurance coverage and the possible headaches that they will be facing in the future.

    The … Click here to read more

  • Dealing With Cheap Auto Insurance

    by Hayden Krueger

    In this time of the year, nobody really wants to pay more on anything. Economic uncertainties have not left America just yet, which is why people are exploring and looking for ways how to extend the value of their money. Auto insurance is mandatory in most states in the US, but that does not mean that you have to pay so much for it. If you are the budget conscious type of person, then this article is right for you.

    It is good to know that you can apply the things that will be discussed in this article to find an affordable policy, which will subsequently decrease your expenses with regard to auto insurance. Of course, you need to search for insurance quotations from various companies, which will enable you to compare their coverage, benefits, discounts, and so on. Once you have this information, you can then select the particular … Click here to read more