Most Recent Auto Insurance Guide in Auto Insurance Coverage

• Auto Insurance Comparison: Ways to Save On Coverage

  by Hayden Krueger

  The first thing you should do is to identify your insurance coverage needs. Afterwards, you can now start to do some serious insurance comparison. However, sometimes it gets tricky, and to resolve this issue is to follow the three things that I will be discussing below.

  Collect your information

  You need to know your driving history. For example, how many tickets you received or insurance claims you made over the last 2 to 3 years? What is the status of your driving history? Is it squeaky clean or a messy record? Whether you believe it or not, it is really possible that the driving records can be recorded wrongly. This is the reason why you need to check the record violations or better yet keep your own record of any road violations you have committed. Auto insurance providers will usually give you expensive insurance quotes so it pays to check … Click here to read more

• How to Get a Student Insurance Discount

  by Hayden Krueger

  The costs of insurance for student drivers are high; we may also ask how and why these policies are so expensive, how they were computed and what relation is there to the general as far as this demographic.

  In theory, all insurance premiums use pre-defined metrics, which is applied to all policyholders regardless of their age (teen, adult or senior drivers). However, there are other variables used to arrive at the premium rate computation. These factors differ from person to person, which explains the differences in premium prices. In the case of student drivers, insurers normally evaluate the student’s performance in school, driving courses completed, etc. On top of that, the notion that student drivers are high-risk drivers still holds true; bloating the premium prices and making them extremely overpriced.

  Imagine if you have two or three children, who in the next few years, will be asking you to pay … Click here to read more

• How to Find Low Cost Car Insurance

  by Hayden Krueger

  Whether you are shopping for items or services, we always want to save money. However, do keep in mind that you will get what you have paid for. In the case of insurance, expensive policies are a drain to the bottom line, but it’s all worth it for all those who need it.

  People on a shoestring budget, naturally, would choose low cost car insurance coverage. There’s nothing wrong with affordable coverage, as long as it keeps its promises. Nothing can be worse than to find out that the coverage is not enough to cover the cost of medical bills and damages. That could only mean one thing – paying the uncovered amount using your hard-earned money.

  You don’t want to see yourself in that situation, so the best way to avoid it, is to make sure that a low cost insurance is reasonable and fitting. However, we can’t help … Click here to read more

• How Auto Insurance Companies Are Keeping Secrets

  by Hayden Krueger

  It is not only our friends that keep secrets from us, but your auto insurance provider may be doing so as well. Some of these secrets are just plain and simple, while others will shock you.

  While most of the auto insurance information you get on the Internet has some truth to it, uncovering this important information could not only help you save money but also assist you in averting from the insurance traps.

  Get A Good Credit To Lower Your Premium Rates. You could say that this is no longer a secret but still a lot of people do not figure out that their credit score affects their insurance rates. Statistically, insurance companies believed that a person having a good credit score is less likely to be in an accident, hence, rare in filing insurance claims. As a reward, your insurer could extend price discounts in response to … Click here to read more

• Getting To Know Insurance Coverage for Senior Drivers

  by Hayden Krueger

  If you are aged between 55 and 75 years old, most insurance companies will consider you as a senior driver. You may be considered as an “old folk,” but you could still enjoy some fringe benefits from this particular type of coverage.

  First, being able to qualify to get an insurance coverage for senior drivers is the first benefit. Auto insurance for seniors is relatively low-priced than any other standard insurance coverage. The reason is not about karma but the fact that older drivers, with considerable amount of time spent on the road, are assumed as responsible and safe drivers compared to their younger counterparts. Senior drivers are known for their disciplined behavior, being less aggressive, always use the safer side of the road, and very rarely overtake another vehicle or speeding.

  Auto insurance for seniors is viewed as a special consideration for the elder generations. Apparently, this coverage is … Click here to read more

• Getting the Most of Low Car Insurance Premiums Like Women

  by Hayden Krueger

  Whether we admit it or not, female drivers are the ones who get cheaper insurance rates than that of men. What is the reason behind this? The answers could not be simpler and that is mainly due to their discipline and safe driving behavior. In addition to that, the low incidence of insurance claims filed by women drivers indicates that they are less likely to be involved in road mishaps. If your goal is to get the same premiums women drivers are currently enjoying, follow our simple reminders below.

  Don’t Forget to Acquire Insurance Quotes online – We have written several articles about comparison-shopping yet many people still ignore this tip when they buy insurance coverage. The role of the thumb is not to buy the first offer you come across, or you would miss out some of the best deals offered by other insurance companies. What you need to … Click here to read more

• Four Unfamiliar Things Your Auto Insurance Covers

  by Hayden Krueger

  Before you sign the dotted line and send your insurance payment, did you check the coverage carefully? Does the policy cover all the important aspects you need in case of accidents? The rule of thumb is not to pay, unless you are quite sure that these things are taken care of properly.

  Having said that, many, if not all, insurance companies have already included these services to the policy. However, some insurers offering cheap insurance policies usually exclude some or all of them.

  Legal Representation in Court – If the accident will result in a legal suit, you obviously need an attorney to take care of your case. Although both insurance companies will try their best to settle the case, at times, legal interventions may be necessary in resolving the issue.

  Should this happen, and assuming that your insurer provides legal assistance; the loyalty of the attorney is still questionable. … Click here to read more

• Five Ways for A Safe and Cheaper Teen Car Insurance

  by Hayden Krueger

  If you are a parent and you worry about your teen driver’s insurance policy, you are certainly not alone. What most parents do is to save as much as they can before the due date comes. Apart from savings, doing the following steps below will surely alleviate most of your worries.

  Look For Insurance Discounts – It is still possible to find discounts, even if teenagers are considered as high-risk drivers. Talk to your insurance agent, and don’t hesitate to ask about special discounts or promos, which your teenager driver could avail of. One of the most common discounts extended to teen drivers is that “good grade” discount. Depending on their GPA score, as much as 10% can be scratched off from the final computation. This will encourage students to perform well in school in order to save for student insurance.

  Purchase A Used Car For Your Teen – New … Click here to read more

• Five Things You Need To Know About Your Auto Insurance Provider

  by Hayden Krueger

  Considering the vast number of insurance companies within your locality and for a thousand more online, it is going to be a difficult decision to do when selecting the right company for your unique needs. If you feel overwhelmed with so many questions, you are not alone. Apart from that, you might be asking yourself what particular type of policy is going to fit your needs on top of those endless insurance jargon terms thrown at you.

  So, in this article, we are going to help you out by discussing five of the most common questions we received from our existing and would-be policyholders when choosing for a potential insurance company to work with.

  What Do You Mean By A Direct Auto Insurance Company?

  As the name implies, this type of insurance provider will work directly to sell its products and services to the potential policyholder, which is you. In … Click here to read more

• Finding the Best Auto Insurance Rates In Town

  by Hayden Krueger

  If you are trying to find the best insurance coverage, it doesn’t necessarily mean that you are seeking for the cheapest ones. It means that you want to purchase the best insurance policy for your needs, and at the same time provide value for the money. Make sure you understand the coverage limits, and that they are sufficient without having to shell out your own money in case of an accident.

  There are many factors insurance companies use to determine the individual’s insurance premiums, the most common are the vehicle’s condition and the risk level of a person.

  In theory, people who own brand new vehicles are likely to get the best auto insurance rates simply because the likelihood of getting into an accident due to corroded brake linings or wear out parts is too little. Add those to the driver’s good driving records and the premiums can be further … Click here to read more

• Dwindling Teen Insurance Rates

  by Hayden Krueger

  Last year was a good year for teen drivers. Insurance companies and the state agencies are reporting low accidents involving teen drivers across the country. The reason behind this is still unclear, but nonetheless, good indicators that may help in reducing the rates for teens are insurance premiums.

  It’s possible that because of stricter laws on teen drivers, improved educational system and the economics have brought this dream into a reality.

  Reports indicate that in 2010, the state of Nutmeg recorded the fewest number of accidents involving teen drivers in the span of ten years. They have attributed this success to their stringent laws enacted in 2008.

  These laws make use of the “graduated approach.” New drivers at the age of 16 are put into restrictive driving privileges and will only be granted with additional privileges if the teen demonstrates responsible driving skills and road manners.

  Unfortunately, fatal crashes involving … Click here to read more

• Do You Really Need A Full Car Coverage Insurance?

  by Hayden Krueger

  If you are a driver and not running on a tight budget, choosing full coverage car insurance is the best option. Undeniably, this type of policy is very expensive, but the policyholder is covered in every aspect of an accident. If you have full coverage car insurance, your insurer will take care of the following:

  Your insurer will take care of the hospitalization and medical bills of all the involved parties. This includes yourself, your passengers, innocent pedestrians or bystanders, and all the drivers and passengers of the other party.

  • Your insurer will also handle all the repair costs needed to rectify your car
  • It could also take care of all the repair costs needed by the 3rd party vehicle
  • All the damages involved during an accident, private or otherwise
  • This coverage can also be used for any unforeseen events or calamities such as floods, earthquakes, etc.

  As mentioned earlier, … Click here to read more

• Defensive Driving: How It Affects Insurance Premiums

  by Hayden Krueger

  Did you know that in 2009, there were more than 6 million accidents in the United States? With these high rate of accident occurrence one can only imagine how many are happening currently.

  There are many reasons why these things happen, with careless driving or drunk driving topping the list. Regardless of the nature of the accident, taking defensive driving lessons seems to offer a better solution to protect, not only the driver himself, but also the passengers and other drivers on the road.

  In defensive driving, you will learn how to do things in the right way. Observing proper speed, watching out for sudden acceleration or deceleration from other cars, maintaining safe distance in between vehicles and of course, observing traffic laws. If all drivers would observe these guidelines, there will be fewer accidents and casualties each year.

  Undivided attention must be observed at all times when driving. It’s … Click here to read more

• Cheap Auto Insurance: What To Do To Find One

  by Hayden Krueger

  When it comes to getting expensive insurance coverage, teen drivers have their own fair share. Apparently, being considered as high-risk drivers could only mean one thing – paying ridiculously high insurance premiums. Still, having such rates are not considered by most insurance companies as a drain to their income, but as a way to neutralize the increasing insurance claims from this particular age group.

  If you have a teen driver in your home, finding cheap insurance coverage and having a headache is almost synonymous with each other. For most parents, looking for cheap insurance is like finding a needle in a haystack. It’s going to take you days or even weeks to find a functional one. However, there are ways to get you out from this dilemma.  That is, buying a complete coverage without having to spend a fortune for teen car insurance.

  The desire for cheap teen insurance has … Click here to read more

• Budget Car Insurance: Will It Save You Money?

  by Hayden Krueger

  Most of us are looking for ways to save money including the money we spent for auto insurance. If this is the case, budget car insurance may come in handy. This will allow you to get the same coverage and protection, and at the same time reduce your auto insurance expenses each year. If you do not drive a car, you might not need insurance. However, if you drive a car (even if it is a rented car), insurance is a necessity and a requirement not only to protect yourself but also to your passengers and other motorists. Insurance will give you the peace of mind and financial protection. Regrettably, finding a low-cost or affordable insurance coverage these days is rather difficult.

  To help you out, below are some tips that we have compiled for you to locate budget deals easily, discounts, or promotions that may work well within your … Click here to read more

• Are There Any Measurable Benefits Of Group Auto Insurance?

  by Hayden Krueger

  Group auto insurance is a marketing method orchestrated by insurance companies that provides benefits to the insurer, business owner and the employers who are availing it. To understand why we consider this technique as a win-win situation, keep reading.

  The way group auto insurance is marketed is something that most of us could hardly resist. The benefits are numerous, coverage is attractive and above all, the price is affordable.

  The concept behind group auto insurance is really that simple. It is offered to companies or organizations and even to families with a good number of members. However, in this issue, we’re going to focus group insurance offered to companies.

  In most companies, offering group insurance comes as a work benefit. The business owner or the HR Department usually manages this offer. When it comes to the cost, the employee pays relatively low premiums because the company subsidizes part of the … Click here to read more

• Affordable Insurance for New Cars

  by Hayden Krueger

  Is there such a thing as affordable insurance for new vehicles? You just spent a considerable amount to get a new car; the next consideration is to insure the vehicle. You have plenty of options at your disposal in getting insurance.

  With the aggressive competition in car insurance, it’s not difficult to find insurance providers offering “cheap insurance”.  In having these many choices, one should take the time to find out which company is true to their promise.

  In general, it is more expensive when insuring a new vehicle than that of an older one. Therefore, it is crucial that you consider the annual or monthly premiums are affordable enough for you to pay. Don’t fret if the insurance premiums are too high. There are effective ways to reduce those premiums to cover your new car insurance needs.

  Like any other purchases, buying new car insurance will require you to … Click here to read more

• Classic Car Insurance: Protect Your Baby

  by Hayden Krueger

  Some people fall in love with old coins, stamps and envelopes. However, what if you collect old and classic cars, or at the very least, have one in your garage? Would you go for an ordinary coverage or choose the more specific classic car insurance coverage?

  Classic or antique cars are valuable assets not only due to their sentimental values, but also to the rarity of the materials used, design, and the manufacturer who stopped producing the said models, decades ago.

  When a Car Becomes Antique

  There are no hard and fast rules that you can use to consider a car to be an antique, but for the sake of auto insurance, we’re going to make one. For now, let’s consider the cars built prior to 1940 to be an antique. Accordingly, antique collectors use varying factors in determining the value of automobiles that include the number of similar cars … Click here to read more

• Buying Insurance Coverage against Theft

  by Hayden Krueger

  There is nothing more devastating than walking to a parking lot, and you can’t find your parked car anywhere! This is everyone’s worst nightmare, and later, learned that the car has no coverage against theft!

  The Good and Bad News

  Let’s start with the bad news. According to the FBI, one car is stolen every 40 seconds in 2009. This rate is extremely high, considering that there are millions of car owners in the United States. This would translate to 260 stolen cars in a 100,000 population. The good news is that auto theft is declining. In 2006, two cars are stolen every minute, which translates up to 315 cars for every 100,000 population. Since then, it’s been slowly declining, and we could only hope that this number would continue to get better each year. Carjacking is still present, but has been declining as well, accounting to just 3 percent … Click here to read more

• Auto Insurance Comparison: Look For Service Instead Of the Price

  by Hayden Krueger

  There is no shortage of auto insurance providers these days; and with the cutthroat competition going on, it’s not surprising to see insurers offering dirt-cheap prices to get more business. However, insurance costs should not be used as a sole factor for choosing an insurance company. Here’s why.

  You could be happy right now, and comfortable with your cheap insurance coverage. However, what if your insurer fails you in times of troubles or claims? What if the service is, third class and flimsy, or as slow as snails? It will take months or even years to get your car repaired. Are you seeing the big picture here?

  As you may have noticed, insurance providers with the most satisfied customers based their decisions not on the prices or discounts alone, but to the rock-steady services as well. You simply couldn’t trust a company that’s only good in collecting their revenues, and … Click here to read more