Auto Insurance Guide Archive for July, 2009

• Massachusetts Auto Insurance Discounts

  by Hayden Krueger

  Car insurance is an expensive venture today, but there are ways to save on your premiums in Massachusetts. While a few dollars a month might not seem like much, the amount can add up considerably by the end of the year. Some discounts are well known, but others may be a bit less familiar. This article will provide you with information about a host of different discount possibilities that can provide ample savings on your car insurance coverage in Massachusetts.

  How do You Drive?

  What is the primary purpose of your car? Is it used primarily for business or pleasure? How many miles do you put on the odometer each week? The answers to these questions may disclose savings on your car insurance that you never thought of before. Most insurance companies offer low mileage discounts for drivers that don’t use their car frequently. If you take public transportation to … Click here to read more

• Massachusetts Auto Insurance Coverage

  by Hayden Krueger

  Auto insurance includes a number of components today, allowing you to tailor a policy that directly applies to your specific needs. However, the many choices can also make it confusing to know which coverage you need and which you don’t. This article will shed some light on auto insurance coverage in Massachusetts. We will tell you which coverage is required, which is important and what you can live without.

  What is Required?

  Every state has a list of requirements that all drivers must include in their auto insurance policies. In Massachusetts, there are four distinct components that you must purchase by law. These include bodily injury liability that protects other people that might be injured or killed by your vehicle. Property damage liability offers protection to the property of others that is damaged by your vehicle. The coverage might include other autos, fences or structures on a property.

  Uninsured motorist … Click here to read more

• Massachusetts Auto Insurance Basics

  by Hayden Krueger

  Each state has its own requirements in terms of auto insurance coverage. By tuning in to these specific requirements first, you can construct an insurance policy that meets the minimum requirements of the law and your own personal needs. We have the information you need to cover yourself in Massachusetts, including the specific coverage requirements for this state.

  Bodily Injury Liability

  Bodily injury liability covers other drivers and passengers that are injured or killed by your vehicle. It is very important to have this coverage, since a single lawsuit against you in this situation could devastate your family financially. This coverage also includes the cost of legal expenses and pain and suffering compensation that might be sought in the event of a lawsuit. Most bodily injury liability comes with limits, so victims cannot sue you for amounts well beyond your coverage and means. In Massachusetts, the minimum requirement for bodily … Click here to read more

• Kentucky – Tips for Saving on Car Insurance

  by Hayden Krueger

  You may not be aware but there are ways to save on your car insurance. It seems that along with every other expense we have to deal with on a regular basis, car insurance joins the ranks with increasing premiums every year. Is there anything at all that you can do to save money on your car insurance? You may be surprised at the following tips that could save you some bucks on your next policy.

  The first thing is know the minimum coverage that you must have on your vehicle to drive in the state of Kentucky. Every state requires their drivers to carry some form of liability. 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.

  Now it’s time to shop till you drop. Once you know what your car insurance needs … Click here to read more

• Kentucky – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  No matter what company you purchased your insurance from, there are factors that car insurance companies take into account when figuring out the rates they will charge you for your coverage. There are some things that you really have little to no control over, but there are some things that are factored in when determining your car insurance rates that just might surprise you.

  How you have been driving over the past three years will play a big part in your rates. Have you been the cause or a victim of one or more accidents? Do you have a number of moving violations against you? Have you submitted too many claims to your current insurance company? If you can answer yes to any of these questions then you are going to pay more for your insurance because of your actions on the road.

  Where you live and what age group … Click here to read more

• Kentucky Driving and Traffic Laws

  by Hayden Krueger

  While the consequences for breaking the rules of the road vary from state to state, most of the main guidelines apply. The following driving and traffic laws pertain specifically to the state of Kentucky.

  All drivers in the state of Kentucky must wear seat belts with only a few exceptions. If you are a mail carrier on duty, disabled or a child who is in the required child safety seat.

  Kentucky’s Child Restraint Law is very simple – all children who are 40 inches high or below must be in the appropriate approved child safety seat. If you are caught driving with a child who is not in their car seat, you will be fined $50 plus an extra $10 which will be donated to the Traumatic Brain Injury Trust Fund.

  If you are caught driving under the influence of alcohol in the Kentucky with a .08 blood alcohol level … Click here to read more

• Kentucky Auto Insurance Discounts

  by Hayden Krueger

  Each state has 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 Kentucky to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Drivers Education

  The more educated the driver the safer they may drive on the road. You could reduce your premium on the three major liability coverages, property damage, bodily injury and personal injury, if you take a defensive driving course. The discount will apply as long as it is for a private vehicle and the main person or people who operate the vehicle successfully complete a state approved class.

  Keep Your Grades Up

  If you are a full time high school or college student under the age of 25, you may be eligible for … Click here to read more

• Kentucky Auto Insurance Coverage

  by Hayden Krueger

  The Insurance Commissioner of the state of Kentucky has set the mandatory insurance requirements for all Kentucky registered drivers. While there are six major areas of coverage for automobile insurance not all are mandatory, but you should consider whether you and your family should include them in your protection.

  If you are a licensed driver in the state of Kentucky you must carry the following insurance coverage on your vehicle: Bodily Injury Protection and Property Damage.

  Bodily injury liability covers the injuries or death of a person if you are responsible for an accident. Property damage liability covers the repair and/or replacement of another person’s property that was damaged or destroyed as a result of an accident that you were responsible for.

  The minimum amounts are the highest level that your insurance company will pay out for each level of coverage. For bodily injury, you are required to carry $25,000 … Click here to read more

• Kentucky Auto Insurance Basics

  by Hayden Krueger

  You must carry the mandatory insurance coverage that is required by the state of Kentucky to drive on the roads and highways in this state. The mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Here is some basic information to help you in deciding the levels of coverage you may want to include in your auto insurance policy.

  The six major areas of coverage for automobile insurance are what generally makes up most insurance policies. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  In Kentucky registered drivers are required to carry bodily injury liability and property damage liability. Some states allow you to prove financial responsibility through other means but in Kentucky you … Click here to read more

• Illinois – Tips for Saving on Car Insurance

  by Hayden Krueger

  Car insurance in Illinois hovers pretty close to the national average, but that is still more than most drivers want to pay. The good news is that there are plenty of ways to save on your car insurance by learning about the discounts available and effective ways to negotiate with insurance companies. This article has the tips you need to bring down your insurance premiums without sacrificing your coverage.

  Shop ’til You Drop

  Many drivers assume that all insurance companies charge about the same rates, but that is simply not the case. It pays, and sometimes it pays big, to shop around for the best premiums. Illinois offers dozens of insurance companies to choose from, so you have a plethora of choices in coverage and prices. To save some time, you can use an online service that does rate comparisons for you. Some insurance agents will also provide this service … Click here to read more

• Illinois – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Some people think that insurance rates are set in stone by insurance companies and individual states. However, that is not the case. In fact, most drivers probably pay a much different rate than the drivers next to them, based on the discounts they qualify for and a host of other factors. If you want to make sure your insurance rates are affordable, it helps to know the factors insurance companies look at to determine rates of individual drivers. This article will give you some of the most common variables to consider when shopping for car insurance.

  The Driver

  The first factor insurance companies consider is personal information about the driver. People who are neither too young nor too old tend to qualify for better rates. In fact, men between the ages of 16 and 25 will probably pay some of the highest rates around. Older women also fare worse than … Click here to read more

• Illinois Driving and Traffic Laws

  by Hayden Krueger

  Whenever you move to a new state, you must get reacquainted with the traffic laws for that particular area. While many laws are consistent across the country, each state also has its own rules that specifically apply to their location. Illinois is no exception to this rule, with a few laws that motorists may not think about if they are moving in from another state. This article will help you learn the rules of the road in Illinois so you are ready to take the wheel safely and confidently.

  Using Cell Phones

  One law that is unique to Illinois is regarding cell phone use while on the road. Unlike other states, Illinois allows its localities to determine the rules of cell phone use for each individual location. In Chicago, for example, hands free legislation has made it illegal for drivers to use cellular devices while driving. There are also laws … Click here to read more

• Illinois Auto Insurance Discounts

  by Hayden Krueger

  Car insurance is a necessary evil for drivers today. However, that doesn’t mean you have to pay through the teeth to get decent coverage. Nearly every driver on the road qualifies for at least one or two discounts on their insurance premiums. The key is knowing the right questions to ask to ensure you get every savings coming to you. This article will give you some of the most common discounts available on car insurance and some you might not think of.

  Personal Information

  Your personal information discloses a lot to a car insurance company. They will determine risk factors based on your age, gender and even occupation. In general, those who are very young or very old will pay more for their car insurance. Men also tend to have higher premiums. Your occupation also plays a role in the cost of your car insurance. People who spend plenty of … Click here to read more

• Illinois Auto Insurance Coverage

  by Hayden Krueger

  Choosing car insurance in Illinois can be a confusing proposition. There are many different components that go into an insurance policy and it is important to understand what each component covers. By learning about the different aspects of car insurance coverage, you can purchase only the coverage you need. This allows you to enjoy full protection on the road for the best possible price.

  Protecting You

  The first step in car insurance coverage is to protect you, the driver. This can be done through coverage known as personal injury protection or PIP. This coverage will pay for medical bills and lost wages due to accident injuries. While some states require this coverage, Illinois does not. Many drivers find they are sufficiently covered through their health insurance plans and disability policy and opt out of PIP coverage on their auto insurance plans.

  Protecting Your Car

  The next purpose of car insurance … Click here to read more

• Illinois Auto Insurance Basics

  by Hayden Krueger

  Car insurance can be a confusing issue, particularly in light of the fact that different states have different requirements. By understanding the requirements for Illinois, you will be better equipped to shop insurance companies for the best rates. This article will cover auto insurance basics, including the specific coverage amounts that are a must in this state. This important information will equip you to search for the lowest possible rates on the right auto insurance policy for you.

  Bodily Injury Liability

  Bodily injury liability covers anyone that is injured by your vehicle. This insurance pays the other person’s medical bills and reimburses them for any wages lost because of their injuries. If the person decides to sue for more damages, some bodily injury liability will also cover pain and suffering up to a particular maximum. While most states require this type of car insurance coverage, they vary in the amount … Click here to read more

• Delaware – Tips for Saving on Car Insurance

  by Hayden Krueger

  It seems that along with every other expense we have to deal with on a regular basis, car insurance joins the ranks with increasing premiums every year. Is there anything at all that you can do to save money on your car insurance? You may be surprised at the following tips that could save you some bucks on your next policy.

  The first thing is know the minimum coverage that you must have on your vehicle to drive in the State of Delaware. You must carry the three major forms of liability but knowing what other levels are available as what the additional coverage options – comprehensive, collision, uninsured motorist – cover in detail. 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.

  Once you know what your car insurance needs are you can … Click here to read more

• Delaware – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are many factors that car insurance companies take into account when figuring out the rates they charge their customers. Some things you really have little to no control over, but there are some things that are factored in when determining your car insurance rates that just might surprise you.

  The major factor in how much you are going to pay for your insurance is your driving record. Have you been the cause or a victim of one or more accidents? Do you have a number of moving violations against you? Have you submitted too many claims to your current insurance company? If you can answer yes to any of these questions then you are going to pay more for your insurance because of your actions on the road.

  Demographics play another big part in your insurance rates. A married woman could pay less for her insurance than an unmarried … Click here to read more

• Delaware Driving and Traffic Laws

  by Hayden Krueger

  While the consequences for breaking the rules of the road vary from state to state, most of the main guidelines apply. The following driving and traffic laws pertain specifically to the State of Delaware.

  Delaware is one of 11 states who have made it against the law to drive aggressively. You will be cited for aggressive driving if you meet at least three of the following conditions: you failed to heed a traffic control device, passed on the right side, drove outside the lanes, made an unsafe lane change, followed another vehicle too closely, failed to yield the right of way and or were an immediate hazard to someone else or another vehicle.

  Children and infants under the age of seven and weighing less than 66 pounds must be in an approved child safety seat or you could be fined $25. Older children from age 8 to 15 must be … Click here to read more

• Delaware Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance rates are an important part of driving on the highways and roads where you live. Each state has 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 Delaware to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Take a Class

  You could reduce your premium on the three major liability coverages, property damage, bodily injury and personal injury, if you take a defensive driving course. The discount will apply as long as it is for a private vehicle and the main person or people who operate the vehicle successfully complete a state approved class.

  Keep Your Grades Up

  If you are a full time high school or college student under the age of 25, … Click here to read more

• Delaware Auto Insurance Coverage

  by Hayden Krueger

  The Insurance Commissioner of the State of Delaware has the mandatory insurance requirements for all Delaware residents. There are six major areas of coverage for automobile insurance but not all are mandatory.

  If you are a licensed driver in the state of Delaware you must carry the following insurance coverage on your vehicle: Bodily Injury Protection, Property Damage and Personal Injury Protection.

  Bodily injury liability covers the injuries or death of a person if you are responsible for an accident. Property damage liability covers the repair and/or replacement of another person’s property that was damaged or destroyed as a result of an accident that you were responsible for. And personal injury protection covers the medical expenses and loss of wages even if you were not responsible for the accident.

  The minimum amounts are the highest level that your insurance company will pay out for each level of coverage. For bodily … Click here to read more