Auto Insurance Guide Archive for July, 2009

  • Delaware Auto Insurance Basics

    by Hayden Krueger

    Each state has its own mandatory insurance coverage that is required of their drivers. 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.

    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, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

    The Insurance Commissioner in the State of Delaware requires drivers to carry three forms of liability insurance, bodily injury liability, property damage liability, and personal injury protection, or PIP.

    The minimums that are required are the highest amount that your insurance company will pay out due to injuries … Click here to read more

  • Connecticut – Tips for Saving on Car Insurance

    by Hayden Krueger

    Believe it or not, there are some savings to be had in the battle of ever increasing car insurance rates. 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 bring you some savings 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 Connecticut. Almost every state requires some form of liability but knowing what other levels are available and what your additional coverage options are is key to building a policy that fits your needs.

    As soon as you know what your car insurance needs are you can start shopping … Click here to read more

  • Connecticut – 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.

    One of the major factors in how much you are going to pay for your insurance is your driving record. If you have put through a lot of claims in the past, have been at fault in more than one accident and or have a number of traffic violations, you are going to pay more for your insurance coverage.

    A married woman could pay less for her insurance than an unmarried man because they take into consideration the risk factors of each class of driver. The drivers who are known to pay the most for their insurance coverage are teenage … Click here to read more

  • Connecticut Driving and Traffic Laws

    by Hayden Krueger

    The consequences for breaking the rules of the road may vary from state to state but the actual rules of the road are pretty much the same wherever you go. You should know the driving and traffic laws in the state that you drive in as well as one you may be planning to drive through.

    Connecticut enforces their seat belt law and police officers can pull you over for not wearing a seat belt without having any other reason to stop you. The driver and all passengers in the front seat of the vehicle must wear a seat belt. Passengers in the back seat between the ages of 4 to 16 must also wear seat belts.

    Children and infants under the age of seven and weighing less than 60 pounds must be in an approved child safety seat or you could be fined $25. Infants under the age of … Click here to read more

  • Connecticut Auto Insurance Discounts

    by Hayden Krueger

    While auto insurance coverage is an important part of driving on the highways and roads where you live it doesn’t mean you have to pay the highest rates for your coverage. 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 Connecticut to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

    Alternative Fuel Discount

    This is one of the most recent discounts. You could save money on your car insurance if you drive an electric, hybrid or any other vehicle that uses alternative fuel. Check with your agent to see if your company offers this discount.

    Anti Lock Brakes and Anti Theft Devices

    You could save some bucks on insurance if your car is … Click here to read more

  • Connecticut Auto Insurance Coverage

    by Hayden Krueger

    Every state requires their registered drivers to carry the appropriate amounts of liability insurance. These levels of coverage are determined by the insurance commissioner and are mandatory. 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 Connecticut 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 $20,000 coverage for injuries of death of one … Click here to read more

  • Connecticut Auto Insurance Basics

    by Hayden Krueger

    Every state has its own mandatory insurance coverage that is required of their drivers. This 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.

    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, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

    The Insurance Commissioner in the state of Connecticut requires their drivers to carry bodily injury liability and property damage liability. You must carry this coverage by law. Some states allow you to ensure your financial responsibility through other means but in Connecticut you must purchase coverage through a … Click here to read more

  • Colorado – Tips for Saving on Car Insurance

    by Hayden Krueger

    Everyone wants to save money on their car insurance. Car insurance rates continue to keep going up year after year. You probably wonder if there is anything that you can do to save money on your car insurance. The following tips could help you save some money on your next policy. Try using more than one and you can see some big savings.

    Find out exactly what the minimum coverage is that you are required to carry for the state of Colorado. After you know the minimum that you must have, check the limits to see if you want to raise them or add additional coverage in other areas. Just remember that the minimum limits are the highest amount of money that your insurance carrier will pay out for each accident or incident. Knowing ahead of time exactly what your insurance needs are will help you get the best rate … Click here to read more

  • Colorado – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    When insurance companies calculate the rates they are going to charge their customers there are a number of factors that come into play. Many of them you are probably already aware of but some may surprise you. You may want to check with your carrier regarding the following factors to see where their company stands.

    One of the first things an insurance agent asks is if you have had any citations or accidents in the past three years. That is because your driving record is probably the biggest factor as to how much or how little you will be paying for your car insurance.

    Your driving history will show the number of accidents you have been involved in, the number of claims you have submitted, no matter how big or small, and if you have any traffic violations. When you have an accident you could be paying for it for … Click here to read more

  • Colorado Driving and Traffic Laws

    by Hayden Krueger

    When you are aware of the driving and traffic laws in the state of Colorado ahead of time it will keep you from making some costly mistakes. Following the rules of the road and obeying traffic laws will keep you and your family safe as well as prevent unnecessary increases on your insurance coverage as well as save you money on traffic tickets and fines.

    In Colorado, as in most states, you are assessed points for a variety of traffic violations. The number of points that will result in a suspension of your license is different in every state. In Colorado it is actually broken up into different driving categories. If you are a minor, your license will be suspended with the accumulation of 6 points in a 12 month period; a professional driver will lose their license with 9 points within a year, and an adult driver will have … Click here to read more

  • Colorado Auto Insurance Discounts

    by Hayden Krueger

    If you are concerned about the rising cost of insuring your vehicle, you are not alone. Insurance costs seem to just keep inching their way higher and higher, even if you haven’t had any accidents or claims. Legally it is mandatory to carry a certain amount of insurance just to drive on the streets and highways where you live. But there is some good news, though; here are some discounts available to drivers in Colorado that you may not even be aware of. Be sure to check with your insurance carrier to see if they include any of the following savings.

    Bundling Your Policies

    If you haven’t heard the term, bundling, all it really means is combining all of your insurance policies and bringing them to the same company. If you have one or more of the following types of coverage you may want to link them to your current … Click here to read more

  • Colorado Auto Insurance Coverage

    by Hayden Krueger

    If you are a resident of the state of Colorado there are insurance requirements you must meet to drive on the roadways in your state. Every state requires you to have a designated amount of car insurance to cover you, your family and your vehicle. Mandatory coverage and minimums are set by the insurance commissioner of each state and it is illegal to drive on the streets and highways in the state of Colorado without at least the required coverage.

    In Utah, you have two options for financial responsibility. You must secure liability coverage through a licensed insurance agency, or if you do not purchase regular car insurance, you can provide proof of self insurance if you have at least 25 vehicles registered in your name.

    The state of Utah requires their drivers to carry the following liability coverage: $25,000 per person for bodily injury; $50,000 per accident for bodily … Click here to read more

  • Colorado Auto Insurance Basics

    by Hayden Krueger

    Every driver who registers their vehicle in the state of Colorado must have the required automobile insurance coverage. Besides being the law, it is really a protective measure for you, your family and other drivers on the road. The basic components of car insurance break down into different areas of liability protection.

    Every state has its own mandatory requirements and levels of coverage. These levels are usually low and are the minimum amount that is required by law in your state. You may want to increase the amount of coverage to further protect yourself and your family.

    All totaled there are six major areas of coverage and then some extras that you may want to consider depending on your needs. The main coverage includes: bodily injury liability, property damage liability, personal injury protection or PIP, collision, comprehensive, and uninsured /underinsured motorist coverage.

    Your bodily injury coverage will take care of … Click here to read more

  • Arizona – Tips for Saving on Car Insurance

    by Hayden Krueger

    Arizona is known for having some of the highest car insurance rates in the country. To ensure you are not paying too much in premiums, it helps to know how and when car insurance companies will offer discounts. We have the tips you need to save some serious money on your car insurance in Arizona without sacrificing coverage in the process.

    Shop Around

    It pays to shop around for your car insurance, especially with so many companies competing for your business. Companies can vary both in the premiums they charge and the discounts they offer. Make sure you are comparing apples to apples by inquiring about rates for similar deductibles. It also pays to find out just how many discounts you might qualify for with each individual company.

    Go for Multiple Policies

    Many insurance companies will offer discounts if you take out a policy on multiple vehicles. You can also … Click here to read more

  • Arizona – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Car insurance is a necessity for all drivers, but premiums can cost a pretty penny if you don’t shop carefully for the best rates. There are many factors that can affect the cost of your insurance in Arizona, and tuning into these factors can help you name a better price. In some cases, you have control over how much these factors affect your premiums and other times you don’t. This article will cover the major factors that affect car insurance rates in Arizona so you can be a savvy insurance shopper.

    Factors You can’t Change

    There are two factors that will affect the price of your insurance that you have no control over whatsoever. These are your age and your gender. Females in the middle years of life are typically considered the safest drivers, so they receive the best premiums as a rule. Unfortunately, if you don’t fall into this … Click here to read more

  • Arizona Driving and Traffic Laws

    by Hayden Krueger

    A study conducted by Allstate shows that Arizona has some of the safest drivers in the country. If you are moving to the state, it is important to get familiar with the traffic laws as soon as possible, so you can join the ranks of safe drivers. By maintaining a good driving record, you can also save on auto insurance rates that tend to be higher in Arizona than in other parts of the country. This article will give you a few pointers about driving in Arizona, so you can be prepared for what lies ahead.

    Show your License Plate

    One of the newest laws in Arizona states that drivers must make their license plates clearly visible. This law was put into effect specifically to address problems with license plate covers that hide part of the plate itself. It is important to keep this regulation in mind when heading to … Click here to read more

  • Arizona Auto Insurance Discounts

    by Hayden Krueger

    Auto insurance can be an expensive purchase today, but discounts are an excellent way to save a few bucks every month. Many people don’t benefit from all the discounts they could because they don’t know where to look. This article will cover some of the best places to find auto insurance discounts in Arizona. You can reap the benefits whether you are renegotiating your current policy or shopping for a new company.

    Multiple Auto Discount

    This is one of the most common discounts available for auto insurance. Many companies will insure two cars almost as cheaply as a single vehicle. You can also save by getting your auto insurance with the same company as your homeowner’s insurance. Always ask about the savings involved with insuring more than one car at the same time.

    Purchase in Bulk

    Some people think it is better to get a new insurance policy every six … Click here to read more

  • Arizona Auto Insurance Coverage

    by Hayden Krueger

    Auto insurance is required for drivers in all 50 states. A policy is a must if you are in an accident or your car suffers damage through another event. However, many people become quite confused when they begin shopping for car insurance, because of the many terms and components involved in the policies. This article will help you make sense of the various auto insurance coverage options available in Arizona so you can make the best insurance choices for your needs.

    Coverage for You

    The first type of auto insurance coverage to consider is protection for you if you are injured in an accident. This type of coverage is called personal injury protection or PIP. Coverage will pay for medical expenses you incur and even make up for wages lost while you are out of work. However, many people already carry sufficient coverage through their health insurance and disability policies. … Click here to read more

  • Arizona Auto Insurance Basics

    by Hayden Krueger

    Car insurance is one of the necessary evils of life, and knowing how to shop for the right car insurance for your needs will ensure you enjoy complete coverage for the best price. There are a number of components to a car insurance policy and it is important to know what each one means and how it covers you in the event of an accident or damage to your vehicle. This article will cover the primary components of auto insurance, including specific requirements for the state of Arizona.

    Bodily Injury and Personal Property Liability

    This part of your auto insurance policy covers you if you injure another person or someone else’s property while driving your vehicle. Liability coverage is required in all 50 states, including Arizona. In fact, the minimum requirements according to Arizona state law are $15,000 per injured person for bodily injury liability and $10,000 for property damage. … Click here to read more