Auto Insurance Guide Archive for June, 2009

• California Auto Insurance Coverage

  by Hayden Krueger

  Whether you are already a resident of the state of California or you just relocated, you should make yourself aware of the mandatory auto insurance coverage required by the state. These amounts have been determined to adequately protect you, your family and others who drive on the streets and highways of California.

  California has deemed it mandatory to require bodily injury and property damage coverage as part of your car insurance coverage. The bodily injury limits are the highest amount that your insurance company will pay out if you were to cause bodily harm to someone or even death from the effects of an accident. And the property damage limit is what your insurance company will pay for damages to that may have occurred to another person’s car or property from an accident that you may have caused.

  Drivers who live in the state of California must carry a minimum … Click here to read more

• Texas – Tips for Saving on Car Insurance

  by Hayden Krueger

  There are so many factors that go in to determining your auto insurance rates. Every state has their minimum requirements, but there are still things you can do to cut down on rising car insurance costs.

  Shop around until you find an agent or company that can give you the coverage that you need at a good rate. Check out all the major insurance companies and start comparing rates for the same coverage. You may be surprised to learn that you have been paying more all along. While many companies boast about how much they can save you, let them prove it. Use the power of the internet and make multiple comparisons all at one time.

  While single unmarried men under the age of 21 pay the highest insurance rate, check with your company to see if you qualify for any discounts if you are over the age of 50.… Click here to read more

• Texas Auto Insurance Coverage

  by Hayden Krueger

  The state of Texas has certain requirements for all of its drivers. There are certain minimum requirements that are put into place to protect you, your family and other drives on the road in the event of an accident.

  Texas requires liability coverage as a mandatory part of your auto insurance coverage. The law requires you to carry bodily injury coverage which is what your insurance company will pay out if you were to cause bodily harm to someone or even death from the effects of an accident. The property damage limit is what your insurance company will pay for damages to another person’s car or property through an accident that you are responsible for.

  Texas drivers must carry a minimum of $20,000 coverage for bodily injury to one person in a single accident or $40,000 for everyone that was hurt in the accident and property damage coverage of $15,000.… Click here to read more

• Texas Auto Insurance Basics

  by Hayden Krueger

  Car insurance is required by every state with the only difference being the amount of coverage required in each area. The main purpose of automobile insurance is to protect you and your family in case of an accident that you may have caused or been involved in as a result of someone else’s negligence.

  The state of Texas requires their drivers to purchase the minimum amount of liability coverage while driving on the highways and byways in Texas. Other forms of coverage are also available and may be beneficial to protect you and your family even farther.

  If you still have an outstanding loan on your vehicle the lending company requires that you maintain adequate coverage for the vehicle until it is paid in full. If you do not provide proof of this insurance, the lending company will put an insurance policy in place and charge you for it in … Click here to read more

• Texas Driving and Traffic Laws

  by Hayden Krueger

  Whether you were born and raised in Texas or you are a new resident, everyone should know the traffic and driving regulations where they reside. Most of them are common across the country – speeding, seat belts, car seats etc., but the variations from state to state are what you need to remember.

  In Texas, the maximum speed limit is 70 mph for cars and light trucks that travel on all of the numbered highways in rural areas during the daytime hours. Nighttime travel means not going faster than 65 mph. Most other urban freeways have speed limits that range from 55 mph to 70 mph.

  Seat belt laws are in full effect in Texas with front seat occupants required to be buckled up while driving in cars and smaller trucks. All children under the age of four must be secured if they sit in the front or back of … Click here to read more

• Texas Auto Insurance Discounts

  by Hayden Krueger

  Texans like to do everything in a big way. And so it is with their auto insurance needs. There are a number of discounts that can be used to bring your rates down. Check out these ways to save some big bucks next time you are in the market for more competitive auto insurance rates.

  Texas drivers join California drivers as the first drivers to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.

  When you combine your insurance needs into one company you will get instant savings. Having your car, renters, mobile home, homeowners, and life insurance all with one company will simplify your life as well as reduce your rates. Some companies will even give you a new customer discount to start your homeowners insurance … Click here to read more

• Texas – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Although there are so many factors that affect car insurance rates all across the country, many are common practice and some are specific just for automobile drivers in Texas. Knowing what you are looking for will help you make better decisions when purchasing your car insurance or when shopping around for a better rate.

  You should check out exactly how your insurance company determines the value of your car if it is beyond repair and it is considered to be totaled? The value is confirmed through computerized quotes from automobile vendors, general market research and the trusty Blue Book. Your insurance company will usually come to a fair and reasonable price for your vehicle. But there may be a problem if they cannot find a comparable replacement from a nearby dealer. The further away they must travel to replace the vehicle, the more it may cost you.

  Although 29 states … Click here to read more

• California – Tips for Saving on Car Insurance

  by Hayden Krueger

  Increases in car insurance rates are a problem across the country. There are so many factors that go in to determining your auto insurance rates what are the things that you can actually do to save money on your annual premiums? Every state has their minimum requirements, and even if they didn’t, not having car insurance is not a sensible option. Here are some solid ways that you can save money on your car insurance.

  Shop till you drop. Check out all the major insurance companies and start comparing rates for the same coverage. You may be surprised to learn that you have been paying more all along. Many companies boast about how much they can save you, let them prove it. And with the power of the internet, you can make multiple comparisons at one time.

  Changing your deductible from $250 to $500 can mean as much as a … Click here to read more

• California – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are so many factors that affect car insurance rates all across the country. Some are universal and yet some are specific for California residents. Becoming familiar with these factors will help you make better decisions when purchasing your car insurance or when shopping around for a better rate.

  First up is verifying how your insurance company determines the value of your car if it is beyond repair and agents have signed off on it as totaled? The value is confirmed through computerized quotes from automobile vendors, general market research and the trusty Blue Book. The good news is they will be able to come to a fair and reasonable price for your vehicle. The problem lies only if they cannot find a comparable replacement from a nearby outlet. The further away they must travel to replace the vehicle, the more it may cost you.

  Auto insurance companies in California … Click here to read more

• California Driving and Traffic Laws

  by Hayden Krueger

  Rules of the road vary from state to state. If you are a resident of California you may already be aware of the driving and traffic laws in your state. But if you are new to the area or are thinking of visiting in the near future, here are some things to remember as you take to the California highways.

  There is a Basic Speed Law in place in California. What this means is that no matter what the speed limit is, you must not drive faster than it is safe to under the current conditions. So, even if the speed limit is 55 mph and you are driving at 45 mph because there is a dense fog, you could still get a ticked for going too fast for these conditions.

  In general, the maximum speed limit is 65 mph on most of the highways in California. For two –lane … Click here to read more

• California Auto Insurance Discounts

  by Hayden Krueger

  Californians are people who are usually on the cutting edge. This seems to be true with regards to their automobile insurance. There are a number of discounts available that are specific to drivers in the great state of California. Check out some or all of these to start reducing your insurance premiums.

  California drivers are the first ones to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.

  Combining your insurance needs into one company will give you instant savings. And having your car, renters or homeowners, and life insurance all with one company will simplify your life as well as reduce your rates.

  Young drivers who have less than nine years of driving experience and still live at home with their parents may qualify for a … Click here to read more

• California Auto Insurance Basics

  by Hayden Krueger

  Carrying just the right amount of auto insurance coverage takes some prior knowledge of the facts and requirements in the state of California. There are some things that are mandatory and there are some things that are just common sense.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection (PIP), Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage. Some of these coverage’s are mandatory in the state of California. Liability insurance is one that is required by the state.

  California requires you to carry the minimum amounts of liability insurance set by the state. You may certainly want to include other coverage options depending on your needs for you, your family and your vehicles.

  Bodily injury liability covers any damages that you may have caused another person if … Click here to read more

• Washington – Tips for Saving on Car Insurance

  by Hayden Krueger

  It seems that insurance rates just keep going up every time you get that renewal policy. There are ways that you can save on your insurance. Try some or all of these to pay less for your policy the next time it rolls around.

  Keep your car in the garage. Parking your vehicle on the streets is looked at as more of a risk to most insurance companies. By the same token, some companies give a discount if you keep your car in your garage.

  You may be eligible for some savings if you take and pass a defensive driving class.
  The classes are put on through the DMV and also online. The cost of the class may far outweigh the savings you may realize on your insurance policy.

  Keep your claims down by handling any little fender benders you may have. Generally, if your damages are less than what … Click here to read more

• Washington Auto Insurance Coverage

  by Hayden Krueger

  Mandatory automobile insurance coverage varies from state to state. All automobiles in the state of Washington must have an insurance liability policy to protect themselves and others in case of an accident. If you do not purchase auto insurance, you are required to have a certificate of deposit or a liability bond equal to the levels of liability coverage required by the state of Washington.

  The liability minimum requirements are $25,000 for injuries to any one person per accidents; $50,000 in injuries to any other people pre accident, and $10,000 to cover damages to someone else’s property.

  If you do not carry insurance coverage for your vehicle, you must purchase a bond in the same amounts as the liability coverage or maintain a certificate of deposit in the amount of $60,000 with the Office of the State Treasurer.

  You must have proof of insurance available if you are pulled over … Click here to read more

• Washington – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are so many elements that go into determining car insurance rates in general. The type of vehicle you drive, your driving history and number of claims you have submitted in the past and the safety features that are included on your car all have a bearing on how much or how little you will have to pay for your insurance.

  But there are additional factors for Washington drivers to pay attention to regarding their rates. Some you may not even have thought about when you last insured your vehicle. And sometimes we don’t even know about these factors until they come up, like when you have an accident and realize what is really covered and what is not.

  What if Your Car is Totaled?

  If your car insurance wants to total your vehicle after an accident, find out how they determine the value of your car in order to … Click here to read more

• Washington Driving and Traffic Laws

  by Hayden Krueger

  When you take your first driving test, you receive a driver’s manual that tells you all the rules of the road while you are driving in Washington. As years go by, you may have forgotten some of them and/or not been familiar with the consequences. Here are the major driving and traffic laws in effect in the state of Washington.

  Driving under the influence -you are considered guilty if you register an alcohol level of 0.08 or higher after a two-hour period. This law also includes drug use and in either case is a felony. The appropriate punishment depends on your prior driving history.

  Driving without a valid drivers license or a suspended license was a misdemeanor up until January 1, 2009. It is now considered a traffic infraction. Driving without proper liability insurance is also considered a traffic violation and subject to a fine. And you may be fined … Click here to read more

• Washington Auto Insurance Discounts

  by Hayden Krueger

  Automobile insurance costs seem to rise every year. Here are some ways that you might be able to save a few bucks on your car insurance policy.

  First check around and get several quotes. Not all insurance companies will offer you the same rates. Gather all of your information about your vehicle and the current coverage that you carry so it will be faster and easier to compare prices.

  Check and see if they offer a multi-vehicle discount. If you have more than one car on your policy you can get a discount for insuring all of the vehicles in your household.

  If you are a good student or you have a good student in your household that will be insured on your policy, some companies offer this discount as an incentive to keep good grades.

  Factory installed air bags are usually a factor in reduced rates as are any … Click here to read more

• Washington Auto Insurance Basics

  by Hayden Krueger

  When you drive your vehicle in the state of Washington, with just a few exceptions, you must have automobile insurance coverage. This insurance must be in place to protect you and other drivers in the event of an accident. And depending on the coverage you choose, it can also protect you if your vehicle is stolen, vandalized or experiences fire damage.

  The vehicles that do not require insurance coverage in the state of Washington are antique cars, any collectible vehicle that is 30 years old or older, publicly owned or state vehicles, and Washington Utilities and Transportation Commission common or contract carrier.

  If you are required to carry automobile insurance and are found to not have coverage, you will be fined $450 for having no insurance.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas … Click here to read more

• New York – Tips for Saving On Car Insurance

  by Hayden Krueger

  If you are looking for car insurance in New York there are many factors that come into play in deterring your annual premiums. City dwellers will certainly pay more for to insure their vehicles than suburbanites. But you don’t have to just sit down and take it. There are things you can do to save money on your car insurance in New York.

  Raising your deductibles can mean an annual savings of up to 10% a year. Increasing your deductible from $250 to $500 might result in a substantial rate decrease. But make sure you know where to spend the money and where to save it. If you raise your premium to a higher amount now to save a little, you may have to spend more in the long run.

  Make sure you have the mandatory coverage required by the state of New York but then select additional coverage according … Click here to read more

• New York – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Even though most people in New York City rely on taxis and subways for much of their transportation needs, there are many people in the city and suburbs that own a vehicle and have to deal with the rising costs to insure their car or cars. There are many factors that come into play when determining car insurance rates in New York. Some of them you may already be aware of but others you may be surprised to find out about.

  Where you live in New York has as much to do with the cost of your car insurance as the amount of time you are on the road. You may pay less if you live in the suburbs and yet drive more than someone who lives in the city. The amount of people in a small area, the amount of traffic and the addition of a higher crime level … Click here to read more