Auto Insurance Guide Archive for August, 2009

  • South Carolina – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    You may not be aware of the many factors that car insurance companies take into account when figuring out the rates they charge their customers. 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.

    The first thing that is taken into account 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.

    Your age and where you live play another big part in your insurance rates. A married woman could pay … Click here to read more

  • South Carolina Driving and Traffic Laws

    by Hayden Krueger

    The rules of the road vary from state to state and so do the consequences if you do not obey them. While many of the main guidelines apply each state has its own way of dealing with the laws of their state. The following driving and traffic laws pertain specifically to the state of South Carolina.

    A police officer can pull you over if it appears that you or anyone in your car is not wearing a seat belt. That means he does not have to have a special reason other than the seat belt to stop you. Everyone in the vehicle must wear a seat belt.

    Children under the age of one and weighing less than 20 pounds must be in an approved child safety seat facing the rear of the automobile. Children between the ages of one and five, weighing between 20 to 40 pounds must be in … Click here to read more

  • South Carolina Auto Insurance Discounts

    by Hayden Krueger

    While it is mandatory to carry auto insurance in order to drive on the highways and roads where you live there are some things you can do about the increasing costs. 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 South Carolina that will help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

    A Multi Car Discount

    It is a safe bet that you could get a discount by insuring more than one car on your policy. If you are a two car family and there are at least two or more people at home who drive, ask your insurance agent if this discount is available. The vehicles must be primarily driven by you … Click here to read more

  • South Carolina Auto Insurance Coverage

    by Hayden Krueger

    Every state has its own mandatory insurance requirements for its residents. The insurance commissioner of each state determines the coverage needed for its drivers. 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 South Carolina you must carry the following insurance coverage on your vehicle: Bodily Injury Protection and Personal Property Damage.

    Bodily injury liability covers the injuries or death of a person if you are responsible for an accident. Personal Property damage liability covers the repair and/or replacement of your vehicle 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 per person, $50,000 per accident and $25,000 for … Click here to read more

  • South Carolina Auto Insurance Basics

    by Hayden Krueger

    You are required by each state to purchase mandatory insurance coverage in order to drive on their roads and highways. 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 state of South Carolina only requires their drivers to carry bodily injury coverage and personal property insurance. You must have liability insurance to drive in South Carolina but they do allow some residents to pay a fee of $550 each year to … Click here to read more

  • Pennsylvania – Tips for Saving on Car Insurance

    by Hayden Krueger

    Car insurance may be a requirement by law today, but that doesn’t mean you have to pay top dollar to drive safely. By knowing how to shop smart for your insurance, you can find dozens of ways to save a buck or two. The savings will add up significantly over a year’s time, and the effort it took to find the bargain rates will be well worth it. This article will offer tips for saving on car insurance premiums by attacking the issue from many different angles.

    Shop and Compare

    Many people take the insurance premiums offered by their current company because they assume those rates are set by the state of Pennsylvania. That is actually not the case. While location plays a part in determining car insurance rates, companies can vary in their prices by quite a bit. Rates also fluctuate from individual to individual, because many factors are … Click here to read more

  • Pennsylvania – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Car insurance is a fairly major expense for most drivers today, so it pays to shop around for the best rates possible in Pennsylvania. One way to ensure you are getting a good price is to understand the factors involved in determining the cost of car insurance for each individual situation. No two insurance policies are created equal, and there are a number of factors that can affect how hard your insurance will hit your wallet. By learning what these factors are, you can negotiate the best bottom line with the insurance company of your choice.

    Age – Your age may not be a factor you can control, but it is certainly one the insurance companies consider. If you are under 25, you will probably end up paying more. This might also be true if you fall into the “senior” category, since older adults also tend to be a higher … Click here to read more

  • Pennsylvania Driving and Traffic Laws

    by Hayden Krueger

    Pennsylvania winters are cold and snowy, which can pose a serious hazard to drivers. The state has addressed some of the dangers by adding new traffic laws to keep drivers safe on the road. However, if you are new to the state, it is important to get up to date on these requirements, or you could find yourself with a traffic ticket as a welcome to the state. This article will provide information you need to drive safely and legally in Pennsylvania.

    Snow Removal

    Leaving ice and snow on cars is a hazard to everyone on the road. That is why the state of Pennsylvania now requires drivers to remove snow from their cars before driving or face a severe fine. Drivers who do not take the time to brush the snow from their cars and scrape the ice from their windshields could face a stiff penalty. Fines for this … Click here to read more

  • Pennsylvania Auto Insurance Discounts

    by Hayden Krueger

    There is no doubt about it; car insurance can be an expensive proposition today. However, the law in most states requires all drivers to carry a certain amount of insurance coverage. So what is the answer? Shopping around for the best discounts is a good start. This article will offer tips on how to find the best discounts on car insurance by asking the right questions of insurance companies.

    Do You Offer Multiple Policy Discounts?

    Many insurance companies provide discounted rates to drivers who insure more than one vehicle with them. Another good way to get a multiple policy discount is to include your property insurance with your auto insurance. If your insurance company doesn’t provide a discount for multiple policies, shop around until you find one that does. The savings can be significant.

    What is Your Low Mileage Discount?

    While some people put many miles on their cars every … Click here to read more

  • Pennsylvania Auto Insurance Coverage

    by Hayden Krueger

    Auto insurance is a requirement in most states, but that doesn’t mean it’s easy to shop for. In addition to the high cost of the annual premiums, the many types of coverage can be confusing to understand and choose from. The good news is that the many choices in auto insurance coverage allow you to tailor a policy that will meet your unique needs. This article will give you the basics of the coverage options available so you can find the policy that works the best for you.

    Coverage for You

    The first type of coverage will cover you in the event you are injured in an accident. It will also cover your vehicle. Personal injury protection, also known as PIP, offers coverage for your medical expenses and lost wages in the event you are injured. In Pennsylvania, a set amount of personal injury protection is required as part of … Click here to read more

  • Pennsylvania Auto Insurance Basics

    by Hayden Krueger

    Before shopping for car insurance in Pennsylvania, it is important to understand the basics of coverage in this state. While drivers are required to carry car insurance across the country, the specific requirements can vary from state to state. Understanding the differences for Pennsylvania will help you to find the best deals on your car insurance. This article will cover basic information about car insurance in Pennsylvania, including the specific insurance regulations for this state.

    The state of Pennsylvania requires minimum coverage in three basic components of car insurance; bodily injury liability, property damage liability and personal injury protection or PIP. While these are the minimum requirements, there are other types of coverage that drivers may want to add to their policy as well. It is important to understand what the coverage entails for each of these components of a policy and to know what other options are available to … Click here to read more

  • North Dakota Auto Insurance Discounts

    by Hayden Krueger

    Auto insurance is mandatory in almost all states in the US. Many people assume that they have to pay a huge sum by way of auto insurance premiums, but that is not true. There are a lot of discounts that you can avail from your auto insurance company and that is something that most people are unaware of. Given below are some of the discounts that will help you in lowering the rates when you renew your auto insurance policy in North Dakota.

    Alternative Fuel

    If you are driving a hybrid vehicle, an electric car or one that uses any other kind of alternative fuel you may be eligible for an alternative fuel discount. If you are thinking of purchasing a hybrid, check out the insurance companies in your area to see if they offer a discount for using alternative fuel.

    Combining Your Coverage

    If you bring your life insurance … Click here to read more

  • New Jersey – Tips for Saving on Car Insurance

    by Hayden Krueger

    New Jersey has some pretty pricey insurance premiums, but the savvy shopper will know how to get the best coverage for the dollar. There are many factors that go into determining the cost of insurance and numerous discounts to be had as well. By tuning into the finer point of car insurance premiums, you can have a positive influence on the bottom line. This article will provide tips for saving on car insurance in New Jersey, so you can enjoy full protection at the best rate.

    Know your Risk Factors

    There are many risk factors that go into determining car insurance rates. Some you can control, and others you can’t. However, it helps to know what those risk factors are if you want to find the best rate possible. Some factors include your age, gender and marital status. Younger men who are not married are generally seen as some of … Click here to read more

  • New Jersey – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    New Jersey has relatively high insurance premiums compared to other states around the country. It pays to shop around and use every possible discount to get the best rate possible. One tool that can help you save on insurance is understanding the factors that affect car insurance rates in New Jersey. This article will provide you with a list of those factors, and what you might be able to do to improve your odds with some of them.

    Actuaries are the professionals who calculate risk for various drivers and vehicles and produce formulas according to those risks. These formulas determine insurance rates for an individual based on how much calculated risk he has. It is important to know what goes into these calculations when you are shopping for car insurance. In some cases, you can change your risk factor by changing the type of vehicle you drive and maintaining a … Click here to read more

  • New Jersey Driving and Traffic Laws

    by Hayden Krueger

    While most traffic laws are consistent across the country, states also have the ability to determine their own rules of the road. Whether you are moving to a different state or simply passing through, it is important to know what the traffic laws are in each state you spend time in. New Jersey has a few unique regulations that their drivers must abide by. This article will provide you with the basics about driving laws in New Jersey so you know what to expect when you head to the Garden State.

    Cell Phone Use

    The state of New Jersey is one of the few that has a statewide ban on handheld cell phones. This means that drivers are not allowed to use a handheld cell phone while driving for either talking or texting. The state also has a ban on cell phone use for school bus drivers and novice drivers, … Click here to read more

  • New Jersey Auto Insurance Discounts

    by Hayden Krueger

    Auto insurance is a pricey proposition, especially in a state like New Jersey where premiums are well above the national average. The best way to ensure your car insurance remains affordable is to shop around for the company that offers the best discounts and the lowest rates. This article will offer information about the many types of discounts that insurance companies might allow so you can save as much as possible on your next car insurance premium.

    Car Discounts

    The first place to look for auto insurance discounts in New Jersey is inside your own vehicle. Some makes and models of cars are typically cheaper to insure than others. For example, foreign sports cars that cost a pretty penny to repair will probably come with higher insurance premiums as well. By the same token, high profile vehicles that get noticed because of style and color are also more likely to … Click here to read more

  • New Jersey Auto Insurance Coverage

    by Hayden Krueger

    Every state across the country has their own requirements for the type of auto insurance their residents must carry. New Jersey is no exception to this rule, with their basic requirements for coverage that all New Jersey drivers must adhere to. This article will offer the basics of different New Jersey auto insurance coverages including what is required by state law.


    Like most states, New Jersey requires drivers to carry a minimum amount of liability insurance. This coverage protects other drivers from injury and damage caused by your vehicle. Bodily injury liability involves injury or death to another person and covers medical expenses, lost wages and possible legal compensation. New Jersey requires a minimum amount of $15,000 bodily injury liability with a $30,000 limit. Property damage liability primarily protects cars damaged by your vehicle, but might also include other types of property like a fence or other structures. In … Click here to read more

  • New Jersey Auto Insurance Basics

    by Hayden Krueger

    Auto insurance is a necessary evil today, with states across the country requiring coverage for all drivers. However, the world of auto insurance can be a confusing one, with deductibles, different types of coverage and minimum requirements muddying the waters. Since purchasing auto insurance is not optional, it is worthwhile to spend some time educating yourself about auto insurance basics. This article will explain the fundamentals of auto insurance in New Jersey, from why you need it to how to save the most money.

    What’s the Point?

    You may go years without ever contacting your auto insurance agent in New Jersey. In fact, you may begin to wonder whether there is a point to having coverage that you must continue to pay for but never use. The truth is that no one is immune from the occasional auto accident. Once an accident occurs, the cost of repairing the vehicle, coupled … Click here to read more

  • Nevada – Tips for Saving on Car Insurance

    by Hayden Krueger

    Even if you haven’t put through any claims on your car insurance, your rates seem to keep inching up every year. Is there anything that you can do to save money on your car insurance? Check out the following tips that could save you some money on your next policy. If you can incorporate more than one, it all adds up to some major savings.

    Knowing exactly what kind of coverage you are required to carry in the state of Nevada is the first step. After that, you may want to acquaint yourself with the other levels of insurance that is available to protect you and your family as well as other drivers on the road.  If you are aware ahead of time exactly what your insurance needs are it will help you get the best rate without paying for coverage you really don’t need.

    One of the best and … Click here to read more

  • Nevada – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    When insurance companies determine their rates of coverage there are many factors that are taken into consideration. You probably are already aware of some of them, they are just common sense. But there are some areas that just may surprise you.

    First up is your driving record. This is probably the biggest factor as to how much or how little you will be paying for your car insurance. When an insurance company looks at your driving history they check for 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. You could be paying for one accident for the next three years through increased premiums. But you may want to ask if your insurance carrier has a forgiveness policy. Some insurers will cut you some slack if it is your first … Click here to read more