Most Recent Auto Insurance Guide in Auto Insurance Discounts

• Kansas Auto Insurance Discounts

  by Hayden Krueger

  When we think about auto insurance, we should also consider unpleasant incidents like auto accidents, bodily injuries, and even fatalities. These factors could neither be ignored nor taken lightly. If you do not have auto insurance coverage and such things happen, then you might be financially ruined by the huge amounts that you might have to shell out as compensations. However, auto insurance coverages would protect you from all unforeseen eventualities.

  In the state of Kansas, the coverages that an auto driver should statutorily purchase are much more than many other states in the United States. Apart from the standard 25/50/10 coverage for personal injury liability and property damage, PIP coverages of more than $12,000, and uninsured/underinsured motorist coverage of 25/50 are compulsory under the Kansas insurance law. All these would amount to a huge burden on your monthly budget and the monthly insurance premium payment would be quite substantial, … Click here to read more

• Michigan Auto Insurance Discounts

  by Hayden Krueger

  Almost every state in the United States of America has made auto insurance mandatory. Mandatory auto insurance ensures that in case of an accident, the driver of the car is paid for the damages caused to his car. There are two ways to decide who will pay for the damages. The two ways are known as the tort system or the no fault system.

  Michigan is a no fault state. According the no fault system, in case of an accident, a person’s auto insurance company will pay for his damages irrespective of who might have caused the accident. Michigan does not follow pure no fault system. People do not want to pay when the fault is another person’s. Drivers are allowed to sue the person responsible for the accident in case the damages cross a pre decided limit.

  Auto insurance has been made mandatory in Michigan. The state has fixed … Click here to read more

• Maryland Auto Insurance Discounts

  by Hayden Krueger

  The roads of Maryland are some of the busiest in the country. Most of Maryland is around the two most congested cities in the country, Baltimore and Washington DC, this is understandable. Thus, the mandatory auto insurance coverage policies in this state are also very high. The minimum liability fixed by the state of Maryland is 20/40/15. This stands for twenty thousand dollars for bodily injury per person and forty thousand dollars for bodily injury in total covering two people. Property damage coverage for the amount of fifteen thousand dollars is also compulsory. But the state of Maryland differs from many other states as most states fix minimum liability and make no other policy mandatory.

  However, the state of Maryland has fixed two other policies PIP or personal injury protection and uninsured motorist’s coverage. Personal injury protection is the insurance policy that will pay for any lost wages in case … Click here to read more

• Maine Auto Insurance Discounts

  by Hayden Krueger

  The state of Maine has fixed very high minimum liability. Many states have made auto insurance mandatory and fixed a minimum liability that everyone must be insured for. This is to ensure that every driver will have enough finances to pay for damages caused during an accident.

  The minimum liability in the state of Maine is fixed at fifty thousand dollars per person for bodily injury and a hundred thousand dollars in total for bodily injury. It also includes twenty five thousand dollars for property damage. The state of Maine has also made uninsured motorist’s coverage mandatory. This policy helps a person when he is involved in an accident caused by a person not insured. It is also mandatory to have medical costs coverage for thousand dollars.

  This is a lot of insurance. It will cost a lot of money. However, as a citizen of Maine it is also mandatory. … Click here to read more

• Louisiana Auto Insurance Discounts

  by Hayden Krueger

  The state of Louisiana has made auto insurance mandatory along with many states of the United States of America. Louisiana follows the tort system of rules which states that in case of an accident an investigation should be conducted. A person must be found responsible and he and his insurance company should be responsible for paying for any and all the damages caused due to the accident. Mandatory auto insurance is another step to ensure each and every driver on the road has financial responsibility. This rule is to ensure that each person can pay for the damages he might cause.

  Every state fixes a minimum liability. This is the minimum amount that a person has to be insured for. The minimum liability fixed by the state of Louisiana is fixed at 10/20/10. This stands for a minimum of ten thousand dollars for bodily injury per person and a total … Click here to read more

• New Mexico Auto Insurance Discounts

  by Hayden Krueger

  The State of New Mexico has imposed strict rules and regulations on its motorists. These rules have to be adhered to without fail. Any violation of the code will attract penalisations. Auto insurance is very important in the state of New Mexico. You are not allowed to drive your car without proof of insurance. If found driving with our proof of insurance, you could be fined three hundred dollars or more.

  The state of New Mexico has fixed the mandatory minimum liability at twenty five thousand dollars per person for bodily injury and a total of fifty thousand dollars per accident for bodily injury. If there is any property damage, there is a mandatory liability of ten thousand dollars. If there has been damage to the vehicle, property damage would cover it. It would also cover replacement if it is deemed necessary. If there has been damage to other property … Click here to read more

• South Dakota Auto Insurance Discounts

  by Hayden Krueger

  The state of South Dakota has made auto insurance mandatory. This is to ensure that a driver or motorist on the road has enough finances to pay for the damages in an accident if he is involved in any. This is in accordance with the financial responsibility laws. The state of South Dakota also follows what is known as the Tort system of laws. According to this system, if there has been an accident, a person has to be held responsible for the accident and he will pay for all the damages caused due to the accident.

  This being the case, auto insurance must be bought by everyone. The minimum liability fixed by the state of South Dakota is an amount of twenty five thousand dollars per person injured in the accident. It also makes an amount of fifty thousand dollars for bodily injury in total mandatory. This can cover … Click here to read more

• Rhode Island Auto Insurance Discounts

  by Hayden Krueger

  The state of Rhode Island has made auto insurance mandatory like many other states around the country. Proof of insurance has to be carried every time a person is driving. The driver can have his license revoked if he is found driving without proof of insurance. The state of Rhode Island works on the tort system. According to this system, in case of an accident, one person has to be found responsible by the law. This person will then assume full responsibility for the accident and pay for the damages he might have caused. Therefore, carrying insurance to ensure you can pay for damages is of paramount importance.

  The minimum liability has been fixed by the state of Rhode Island. It is of the form 25/50/25. The state of Rhode Island has a fixed a minimum liability of twenty five thousand dollars for bodily injury per person per accident. The … Click here to read more

• Oregon Auto Insurance Discounts

  by Hayden Krueger

  Getting good auto insurance coverage at a decent price is a very challenging thing today. In fact, many people look hard at get quotes from multiple sources in order to get the best coverage possible for their vehicle. However, not all of them are successful in doing so and often end up with coverage that is barely sufficient and might not even be adequate enough to get on the road with. This is problematic as you need to ensure that your coverage is either equal to or more than the specified limits of the DMV. With some tips, you can enjoy some good discounts on your auto insurance.

  The first easy way of getting good discounts on your auto insurance is by simply buying a car and loading it with safety features and other features that will ensure that it is safe at all times. Driving a car with central … Click here to read more

• Oklahoma Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance is often looked upon with disdain due to the heavy expenses that are associated with it. In fact, most people who buy a car are often unhappy with the fact that they have to shell out another colossal amount just to have their motor vehicle insured. Since it is unfair that you have to pay such high amounts of money, you ought to do some research and find a way wherein you can have coverage at a fraction of the actual cost that others might be paying. The reality is that it is actually very possible to have good insurance without necessarily spending a large amount of money on it.

  Firstly, the largest affected party due to unfair auto insurance rates is students. Since students are often pegged to be careless and rash, they have to pay a larger premium, even if they are good drivers and have … Click here to read more

• Ohio Auto Insurance Discounts

  by Hayden Krueger

  The state of Ohio has made auto insurance mandatory. If you do not have auto insurance, you need to have documents proving your financial responsibility. Financial responsibility laws are fairly simple. According to these laws, a motorist must be able to take financial responsibility in the event of an accident. Auto insurance proves the person has the finances needed to pay for damages. If you do not have auto insurance, you can file a bond with the state treasurer for an amount of thirty thousand dollars. This gives proof of your financial responsibility.

  Auto insurance is mandatory and has to be purchased by everyone. However, auto insurance might not have to be very expensive. There are many discounts available in the market.

  Compare shop. Go to many different vendors and ask for quotes. Rates very from vendor to vendor and you can choose the one best suited for you. Good … Click here to read more

• Idaho Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance is a complicated process. A layman would be staggered by the types of coverages available, the various limits for the coverages, the associated premium burden, the assessment of actual risk in driving around, and the process of making claims after an auto accident. The premium cost of the insurance policy and the deductibles agreed by you would be the main consideration in the decision about the selection of optimum auto insurance coverage that should be purchased by you. When you had to take adequate coverage, these costs could be substantial and become a burden on your financial position and monthly earnings. Hence, looking for obtaining some amount of discounts would be a great help in reducing the financial burden on the monthly budget. There are several ways to get discounts from auto insurance companies. A few of them are presented here.

  Selecting Single Insurance Company

  Along with your … Click here to read more

• Nebraska Auto Insurance Discounts

  by Hayden Krueger

  Nebraska is a state with a strict insurance policy for its motorists. You have to follow the rules and regulations set by the government. The minimum liability a person should have is twenty five thousand dollars for bodily harm to person, fifty thousand dollars for bodily harm in total in an accident and another twenty five thousand dollars for any property damage per accident. Every time you are driving you will need your proof of insurance.

  While this is mandatory many people tend to go in for amounts larger than the minimum liability to ensure they can pay for any damages. However, insurance is not cheap. There are many vendors in the market today selling insurance. The good shopper always finds out more than one seller. Go to many different vendors. Decide on the different policies you need and check what the prices they are quoting are. This will help … Click here to read more

• Wisconsin Auto Insurance Discounts

  by Hayden Krueger

  None of us likes to pay more money than we can afford on the coverage for the vehicle. The drivers in Wisconsin can follow simple tips for getting the combination of Wisconsin Auto Insurance Discounts and appropriate coverage plans.

  One needs insurance policies for a lot of purposes for home, vehicle and also for himself. By buying the different insurance policies from one dealer can help you saving a lot of money. There are a lot of insurance dealers that offer up to 15% of discounts to the people who buy the various policies from their insurance company. You can also get rid of the headache of dealing with different insurance companies for various covers.

  Raising the deductible amount can also lead you to save oodles of money on the auto insurance. Deductible amount is paid towards the claim before the insurance companies begin to pay. With raise in deductibles, … Click here to read more

• Tennessee Auto Insurance Discounts

  by Hayden Krueger

  Buying yourself a car insurance can be a tedious task. In Tennessee there are number of auto insurance coverage available. However, you need to look through them to get the best deal for you. There are many people who are seeking cheap insurance coverage. So, if you are one of them and you are living in Tennessee, you can find great auto insurance discounts. 

  Auto insurance discounts are easy to get provided you shop for them carefully and meticulously. There are several companies that offer food discounts to a particular geographical region. Before you buy insurance, make sure you know if you are falling in such region so that you can avail the discounts. However, you also need to beware of fraud insurance companies or duplicate insurance policies that offer you something that you already have. 

  Discounts on insurance policies depend upon several factors. Most of them are present in … Click here to read more

• Georgia Auto Insurance Discounts

  by Hayden Krueger

  If you wish to protect yourself against all possible risks in an auto accident, you would need to take different types of coverages like liability coverage, comprehensive coverage, collision coverage, medical coverage, and underinsured/uninsured motorist bodily injury coverage. When you combine these coverages, the monthly premium payment could be quite high. As such, you should be aware of the various discounts offered by the insurance companies, so that your burden on the insurance is reduced as much as possible. Some tips about the types of discounts that you could avail in Georgia are presented here for your benefit.

  Direct Auto Insurance Discounts

  If you have more than one vehicle, insuring all of them together with an insurance company would help you obtain discounts up to 10%, depending on the number of vehicles that you are simultaneously insuring.

  Your driving history plays a big role in the decision of the insurance … Click here to read more

• District of Columbia Auto Insurance Discounts

  by Hayden Krueger

  Since all auto drivers are statutorily required to purchase auto insurance coverages, it becomes necessary to save as much as possible in yearly insurance costs, which could be substantial. The major cost is the initial deductible that you would be required to pay on the auto insurance policy. Many people do not know that insurance companies offer discounts on the deductible for various reasons. The insurance companies consider your driving history, the number of persons listed in the insurance policy, the make and model of your vehicle, and the policy limits to decide on the deductible, the discounts that could be offered to you, and the monthly insurance payments against the auto insurance policy. Hence, you should know how you could obtain discounts and reduce your deductible.

  Combine your Insurance Policies

  One way of getting discounts on your auto insurance policy is to combine the home insurance and your personal … Click here to read more

• Alaska Auto Insurance Discounts

  by Hayden Krueger

  Purchasing auto insurance in Alaska is not a simple affair. Several crucial and minute factors are involved in it. One of them is the cost of the insurance policy and the deductibles that you would be paying. Most of the auto insurance companies offer discounts to their clients. Further, the quotes would vary from person to person, depending on the driving history of the person, the type of vehicle, the number of additional persons listed on the policy, and the policy limits. Hence, it is necessary to learn a few tips as to how you could obtain a cheap quote on your auto insurance policy.

  Single Insurance Company

  It is always advisable to purchase all your insurance policies from a single company. This would include your self policy, your auto policy, and your home policy, etc. When a person buys all the policies from the same insurance company, normally insurance … Click here to read more

• Wyoming Auto Insurance Discounts

  by Hayden Krueger

  You must have car insurance to drive in the state of Wyoming but that doesn’t mean you can’t save money on your rates. There are a number of discounts available that will cut down on the premiums you pay to insure your vehicle. You must carry the minimum liability required by law for your state, but when you add on to your policy your premiums are going to move up accordingly. Here are some discounts that you may be entitled to that could lower your auto insurance rates.

  Safety Features

  Anything that you can add to your vehicle to protect it from theft or vandalism will not only entitle you to a discount, it will help you out in the long run. Adding anti-theft devices may actually prevent the theft of your vehicle in the first place. And a retrieval system like a LoJack would be vital in locating it … Click here to read more

• West Virginia Auto Insurance Discounts

  by Hayden Krueger

  Even though auto insurance rates are mandatory in every state, there are some discounts available that will help keep your costs down. The insurance commissioner in each state sets its own mandatory requirements but when you start adding in additional coverage, your insurance premiums could raise up accordingly. Here are some discounts that are available in the state of West Virginia to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Multi Car Discount

  You could save some money if you insure more than one vehicle under the same policy. If you are a two car family and there are at least two or more people at home who drive, you should qualify for a multi car discount. The vehicles must be primarily driven by you and/or residents of the household.

  Bundling

  Bundling is the new name for … Click here to read more