Auto Insurance Guide Archive for July, 2009

• Arkansas Driving and Traffic Laws

  by Hayden Krueger

  Following the rules of the road in the state of Arkansas will keep you, your passengers and others on the road safe. Infractions range from not so serious to serious and the fines and consequences are assigned accordingly.

  Less serious traffic violations include failure to yield to an ambulance, police car or any emergency vehicle, parking violations, littering and failure to obey a traffic signal. Even though they are considered less serious in nature they still come with fines that could stay on your record and cause your insurance premiums to remain high for up to three years.

  More serious infractions include drinking and driving, speeding, leaving the scene of an accident, driving the wrong way on a one-way street and following too closely. Points are given for more serious violations and accumulated points will result in an increased severity of actions. You will receive a warning letter with 10-13 … Click here to read more

• Arkansas Auto Insurance Discounts

  by Hayden Krueger

  Driving in the state of Arkansas without car insurance is not an option. And you must carry the minimum amounts of liability determined by your state and when you start adding on additional coverage your premiums can start to add up. Not to worry, there are a number of discounts that you may qualify for that can save you money on your auto insurance premiums. Here are some discounts that you may be entitled to that could lower your rates.

  Combining Your Policies

  When you bring all of your insurance policies to one company you could qualify for a discount. Companies are always competing for your business so anything you do to increase their bottom line will help you out in the long run as well.  And having your car insurance in the same place as your home, health, life or rental insurance just makes it easier for you as … Click here to read more

• Arkansas – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  You may be surprised at the factors that your insurance company takes into consideration when they calculate your insurance rates. Many things are common sense and then there are other things that may not have even thought of as a reason to base your car coverage on. Here are some factors that the insurance industry takes into consideration when coming up with your premiums.

  The safer you drive the lower your rates will be. The first thing your insurance agent will ask you is if you have had any accidents or traffic tickets within the last three years. The number of accidents you have had, how many claims you have put in and the number of traffic violations you have been charged with during a three year period all play a big part in how much you will be paying for your car insurance.

  Your age and your location are … Click here to read more

• Arkansas Auto Insurance Coverage

  by Hayden Krueger

  When you register your vehicle in the state of Wyoming you must prove financial responsibility. Some states allow alternative methods but in the state of Arkansas you can only do this by purchasing automobile coverage from a carrier who is licensed to sell insurance in your state.
   
  Before you get the title and registration for your vehicle you must have proof of insurance to show the clerk at the Office of Motor Vehicles (OMV).  The insurance commissioner of each state determines the type and level of insurance liability that each driver must carry. And while there are six major areas of coverage available for your auto insurance needs, the state dictates the minimum liability coverage that you must have to drive in the state.

  Registered drivers in the state of Arkansas must carry $25,000 per person in bodily injury protection; $50,000 in bodily injury coverage per accident; and $25,000 for … Click here to read more

• Arkansas Auto Insurance Basics

  by Hayden Krueger

  Most car insurance coverage is the same in each state. The difference is what each state considers mandatory coverage for its drivers. The type of liability coverage will vary from state to state but you can choose any level of coverage you wish as long as you meet the minimum for your state.

  It is important to decide ahead of time if you are going to select coverage that is above the mandatory levels as this is only a part of the automobile insurance that is available to protect you and your family as well as others on the road. The amount of your deductibles and the level of coverage you choose will all have a bearing on the premiums you will pay for your automobile insurance.

  Your car insurance coverage breaks down into Automobile six major areas of liability: Bodily Injury, Property Damage, Personal Injury Protection, Collision, and Comprehensive, … Click here to read more

• Alabama – Tips for Saving on Car Insurance

  by Hayden Krueger

  Saving money on your car insurance is easier than you think. While you must keep the mandatory coverage that is required by law in your state, there are some tips that you can incorporate when you purchase you car insurance or next time you are up for renewal.

  The best place to start is to find out exactly what the types and minimum amounts of liability coverage that are required to drive in the state of Alabama. Once you are aware of what your base coverage requirement are it will help you to adjust your additional coverage needs accordingly.

  The best tip for saving on your insurance rates is to shop around. You will be surprised at how the rates may fluctuate for the same amount of coverage. Just make sure that you are purchasing your policy through a reputable insurer who is going to be there when you really … Click here to read more

• Alabama – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Your insurance company takes several factors into play when it comes to determining your car insurance rates. Many things are common sense and then there are other things that may not have even thought of as a reason to base your car coverage on. The following factors are some of the things that the insurance industry takes into consideration when coming up with your premiums.

  How is your driving record? That will be the first thing to be brought up by your insurance agent. The number of accidents you have had, the number of claims you have put in and the number of traffic violations you have been charged with during a three year period all play a big part in how much you will be paying for your car insurance.

  Next up is demographics. How old you are and where you live play a big part in how much … Click here to read more

• Alabama Driving and Traffic Laws

  by Hayden Krueger

  Alabama, as many states do, utilizes a point system in assigning disciplinary action for moving and non moving violations. As the points accumulate you will receive different levels of consequences that will escalate with the increase of points. These points will go against your driving record and can result in higher insurance rates that could last for years to come.

  Points assigned to the following violations are just an example of what you can expect if you do not follow the rules of the road. Reckless driving will result in 6 points, speeding 26 mph or higher will give you 5 points, driving on the wrong side of the road is 4 points, illegal passing of another vehicle will get you 4 points and driving too close to another vehicle will get you 3 points.

  As these points accumulate you can lose your license for different lengths of time. Within … Click here to read more

• Alabama Auto Insurance Discounts

  by Hayden Krueger

  It is against the law to drive without automobile insurance in the state of Alabama. But you may be able to save a little money with an array of discounts that are available for drivers in your state. There is a minimum amount of liability coverage that is required by law for your state, but when you start adding on to your coverage your premiums start to add up. Here are some discounts that you may be entitled to that could lower your auto insurance rates.

  Multi Car Discount

  If you have more than one vehicle you can qualify for this discount right off the bat. The multi car discount applies as long as you insure all of the vehicles under the same policy and all of the drivers live in the same household.

  Factory Installed Features

  If you have a vehicle that has factory installed anti lock brakes, especially … Click here to read more

• Alabama Auto Insurance Coverage

  by Hayden Krueger

  If you are a registered driver in the state of Alabama you have three ways that you can prove financial responsibility. You can purchase automobile insurance through a registered agent, obtain a motor vehicle liability bond in the minimum amount of $50,000 or purchase a certificate of cash bond for not less than $50,000

  The mandatory insurance coverage through an auto insurance carrier is dictated by the insurance commissioner of each state. There are six major areas of coverage available for your auto insurance needs, but your state will dictate the minimum amount of liability coverage that you must have to drive in the Alabama.

  When you register your vehicle, you are committing to carrying insurance coverage in the following areas: $25,000 bodily injury liability for one person involved in an accident; $50,000 for all injuries in one accident; and $25,000 for property damages in one accident. These amounts are … Click here to read more

• Alabama Auto Insurance Basics

  by Hayden Krueger

  It is mandatory in every state to be able to show financial liability, not every state requires you to do this by purchasing automobile insurance. Some states allow you to post a bond or financial certification in the same amount of the mandatory coverage in the state. But if you are purchasing automobile insurance there is some basic information to keep in mind.

  Basic auto insurance coverage is pretty much the same in every state. The type and amount of liability insurance required is what is different in each state. The amount of your deductibles and the level of coverage you choose will all have a bearing on the premiums you will pay for your automobile insurance.

  Automobile insurance consists primarily of six major areas of liability: Bodily Injury, Property Damage, Personal Injury Protection, Collision, Comprehensive, Uninsured Motorist, and Underinsured Motorist coverage.

  It is the Insurance Commissioner in each state … Click here to read more

• Missouri – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Insurance companies take into consideration a number of factors when determining your car insurance rates. There are some things that you really don’t have much control over, but there are some things that the insurance companies use as a gauge for your insurance rates that you can change. Here are some of the major factors that are used to increase or decrease your rates.

  The first thing your insurance agent will ask you is if you have had any tickets or accidents in the last three years. This is the number one cause of higher rates. The amount your insurance will increase after an accident depends on your previous driving history, how severe the accident was, who was at fault, the number of claims you have submitted in the past, and the policy of your insurance company.

  Next up is your age. Records show that young drivers between the ages … Click here to read more

• Missouri – Tips for Saving on Car Insurance

  by Hayden Krueger

  Is there anything at all that you can do to save money on the high cost of car insurance? There are actually some things you can do to pay less on automobile insurance in Missouri. Check out the following money saving tips.

  Acquaint yourself with all of the details of the six forms of insurance coverage. Then find out what the minimum coverage is that you must have on your vehicle to drive in the State of Missouri. You only have to carry bodily injury and property damage in your state. The state has set minimums that are required by you may want to choose a higher level as well as other types of coverage. Knowing ahead of time exactly what your insurance needs are will help you get the best rate without paying for coverage you really don’t need.

  Shop around – that is the number one way to … Click here to read more

• Missouri Auto Insurance Discounts

  by Hayden Krueger

  With the cost of auto insurance increasing every year, you probably feel like you have no choice. You have to have auto insurance coverage o drive in Delaware, but there are some discounts that are available through your insurance company. Not all companies offer these discounts but the best thing to do is ask your agent.

  Multi Car Discount

  If you insure more than one vehicle on your policy, you may be eligible for a multi car discount. By sharing at least two vehicles among residents of your household you could cut the premiums you pay for bodily injury, property damage, medical payments, comprehensive and collision.

  Combine your Insurance

  Some companies will give you a discount if you have your car insurance, life insurance, homeowners or renters insurance and sometimes even health insurance with their company.

  Safe Drivers

  If you have had no chargeable accidents in the past three years, … Click here to read more

• Missouri Driving and Traffic Laws

  by Hayden Krueger

  Fines and tickets for breaking the rules of the road vary from state to state, but most of the main guidelines apply. Listed below are the driving and traffic laws that pertain to drivers in the State of Missouri.

  First, it is against the law in Missouri to drive on the roads without car insurance. If you do not have the minimum liability and property damage coverage required by law you could get your license suspended. If you do not have proof of insurance on you when you are stopped by an officer of the law, the firs offense will get you a suspended license for sixty days, second offense is a one year suspension, and two year suspension applies to offenses past that.

  Moving violations in the state of Missouri will get you points on your license. If you receive 8 points within an eighteen month period you will … Click here to read more

• Missouri Auto Insurance Coverage

  by Hayden Krueger

  When you purchase a vehicle, the first thing you must do is either add the vehicle to your existing insurance policy or purchase new coverage. If you are driving in the State of Missouri, the insurance commissioner has determined that every driver must have automobile insurance. There are six major areas of coverage for automobile insurance but not all are mandatory.

  Insurance is available for Bodily Injury Protection, Property Damage, Personal Injury Protection or PIP, Comprehensive, Collision and Uninsured Motorist Coverage.

  If you are a licensed driver in the state of Missouri you must carry Bodily Injury insurance and Property Damage for your private passenger vehicles. These amounts are the highest level that your insurance company will pay out for each level of coverage. In Missouri, you are required to carry bodily injury coverage of $25,000 per person and $50,000 per accident. You are also required to carry a minimum … Click here to read more

• Missouri Auto Insurance Basics

  by Hayden Krueger

  It is against the law in most states to drive your car without car insurance. Every state dictates the required amount of insurance coverage that must be carried by drivers of their state. And each state sets the limits of this coverage which determines the highest amount your insurance company will pay out. The mandatory coverage is only a part of the automobile insurance that is meant to protect you, your family and other drivers on the road

  While you are only required to carry liability insurance, there are six area of coverage available to protect you and your vehicle. The minimum level of coverage that is required by each state varies. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  The Insurance Commissioner in the State of Missouri requires drivers to carry bodily injury coverage and property damage. The … Click here to read more

• Massachusetts – Tips for Saving on Car Insurance

  by Hayden Krueger

  Between additional coverage requirements and higher prices overall, Massachusetts can be an expensive state for insuring your vehicles. The good news is that there are many ways to save on car insurance in Massachusetts, simply by knowing how to shop and what to look for in the best deals on car insurance. We’ve got the tips you need to get the coverage you need at the price you want in the Bay State.

  Don’t Settle

  Many people purchase their car insurance from the first company they talk to, because they assume all car insurance companies are created equal. Not so. With dozens of insurance companies providing coverage to Massachusetts drivers it is much easier to find sufficient coverage at the best price. In fact, some online service will handle the rate comparisons for you. Simply type in your information and the online service will provide quotes from a handful of … Click here to read more

• Massachusetts – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Many people assume that car insurance rates are set by states and companies and there is no point in shopping around or negotiating prices. However, that is never the case when it comes to finding the best deals on auto insurance. Most folks in Massachusetts would be surprised to find that the premiums they pay on their vehicles are significantly different from their neighbor down the street. This article will explain some of the factors that affect car insurance rates in Massachusetts so you can be a savvier shopper for your own insurance policy.

  The Driver

  The holder of the car insurance policy has a lot to do with the amount of premiums he pays. For example, younger men tend to pay much higher rates than younger women, because they are seen as a greater risk in terms of moving violations and accidents. By the same token, older women generally … Click here to read more

• Massachusetts Driving and Traffic Laws

  by Hayden Krueger

  While many driving laws are consistent across the country, states also have the right to enact regulations specific to their area. When you are driving in a new place, it is important to familiarize yourself with the rules of the road for that location. This article will tell you what to expect from the traffic and driving laws in Massachusetts. It will also let you know what to expect if any of those laws are violated.

  Use of Cell Phones

  At this time, Massachusetts does not have a statewide law regarding cell phone use while driving, with the exception of school bus drivers. However, the state does allow local entities to enact their own legislation, so you might find particular cities enforcing a no hands rule regarding cell phone use. Currently, the only city that has enacted cell phone legislation in Massachusetts is Brookline. It is important to be aware … Click here to read more