Auto Insurance Guide Archive for August, 2009

• Nevada Driving and Traffic Laws

  by Hayden Krueger

  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. Knowing the driving and traffic laws in the state of Nevada will keep you from making some costly mistakes.
   
  Driving under the influence in the state of Nevada is not taken lightly. If you are pulled over by an officer of the law under suspicion of driving while intoxicated, you cannot refuse to take the breathalyzer, blood or even a urine test.

  If your blood alcohol level is above .08, or .02 if you are under the age of 21, your driver’s license will be revoked for 90 days and your vehicle may be impounded. The same rules apply if you are found to have a controlled substance on you when you were pulled over by a police officer.

  If you are in … Click here to read more

• Nevada Auto Insurance Discounts

  by Hayden Krueger

  There is no way around it. Legally you are required to carry a certain amount of insurance just to drive on the streets and highways where you live. It seems as though rates just keep going higher and higher. There is some good news, though; here are some discounts available to drivers in Nevada that you may not even be aware of. Check with your insurance carrier to see if they include any of the following savings.

  Bundling

  Although it may be a new name for it, bundling is when you combine all of your insurance policies and bring them to the same company. You may consider adding any one or more of the following to your car insurance: life, health, homeowners and/or rental insurance to their company. And having everything under one roof makes it easier for you to keep track of.

  Safe Driver

  In order to be considered … Click here to read more

• Nevada Auto Insurance Basics

  by Hayden Krueger

  There is a minimum amount of insurance that each state mandates for its drivers. The Commissioner of Insurance in each state sets the required limits of coverage that you must have if you are a resident and drive in that 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. You may want to acquaint yourself with the other forms of coverage that are available so that you are not caught off guard in the event of an accident.

  While most states require some forms of liability insurance there are actually six major areas of coverage for your automobile. 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.

  With regards to liability, bodily injury … Click here to read more

• Nevada Auto Insurance Coverage

  by Hayden Krueger

  Having the right amount of car insurance to cover you, your family and your vehicle is mandatory in almost every state. Unless you own 11 or more vehicles in the State of Nevada, it is the law that you must purchase automobile insurance through a licensed company in Nevada.

  While each state sets its own requirements, basic liability and property damage are usually the minimum types of coverage that you need to cover yourself, your vehicle and any others in the event of an accident.

  All drivers in Nevada must carry the following insurance whether you still use the vehicle or not: $15,000 bodily injury for one person in one accident; $30,000 bodily injury for the entire accident; and $10,000 property damage per accident.

  Bodily injury coverage takes care of the other people who were involved in the accident if you were at fault. It pays their medical bills, compensation … Click here to read more

• North Dakota – 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 North Dakota. 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 … Click here to read more

• North Dakota – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  You may be surprised at the 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 first thing any insurance agent is going to ask you about 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 … Click here to read more

• North Dakota Driving and Traffic Laws

  by Hayden Krueger

  Knowing the rules of the road will not only keep you and your family safe, it will save you money on increased car insurance rates. The consequences for breaking the rules of the road vary from state to state, but most of the main guidelines apply. The following driving and traffic laws pertain specifically to the state of North Dakota.

  Children and infants under the age of seven must be in an approved child safety seat or you could be fined $25. Once a child weights 80 pounds or is more than 59 inches tall he or she can use a seat belt instead of a car seat or booster. Older children from age 7 to 17 must be seated in the vehicle using an adult safety belt.

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

• North Dakota Auto Insurance Coverage

  by Hayden Krueger

  It is important to know the insurance requirements that your state mandates for its drivers. The insurance commissioner for the state of North Dakota has set the mandatory insurance requirements for all of 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 North Dakota you must carry the following insurance coverage on your vehicle: Bodily Injury Protection, Property Damage, Uninsured Motorist Coverage, Underinsured Motorist Coverage and No-fault coverage.

  The minimum amounts required 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 and $50,000 per accident; property damage coverage should be $25,000 per accident; uninsured and underinsure motorist coverage requirements are each set at $25,000 per person and $50,000 per accident; no fault coverage is … Click here to read more

• North Dakota Auto Insurance Basics

  by Hayden Krueger

  North Dakota, just as 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.

  When you are purchasing your automobile insurance policy, keep in mind the six major areas of coverage. 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 North Dakota requires drivers to carry bodily injury liability, property damage liability, uninsured motorist coverage, underinsured motorist coverage and no-fault coverage.

  Keep in mind that these minimums are what are required by … Click here to read more

• North Carolina – Tips for Saving on Car Insurance

  by Hayden Krueger

  Saving money is on everyone’s mind these days. And car insurance rates continue to be an area where the rates keep going up year after year. Is there anything that you can do to save money on your car insurance? The following tips that could help you save some money on your next policy. If you can incorporate more than one, it all adds up to some major savings.

  First find out exactly what coverage you are required to carry for the state of North Carolina. Once 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. The minimum limits are the most that your insurance carrier will pay out for each accident or incident. If you are aware ahead of time exactly what your insurance needs are it will help you get the … Click here to read more

• North Carolina – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are many factors that are taken into consideration by car insurance companies when determining your rates. Some of them are just common sense, but others may take you by surprise. You may want to check with your carrier regarding the following factors to see where their company stands.

  You probably already know this one because the first question that your insurance agent is going to ask you is have you had any accidents or tickets in the past three years. Your driving record. 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 … Click here to read more

• North Carolina Driving and Traffic Laws

  by Hayden Krueger

  Knowing the driving and traffic laws in the state of North Carolina ahead of time 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.
   
  Driving while intoxicated or DWI in the state of North Carolina is not taken lightly. You are prohibited from consuming any alcoholic beverage while driving. This law is often enforced by random road blocks, especially during holiday weekends, to catch any drivers who may be drinking and driving.

  A first offense could result in the loss of your license for up to one year. The minimum punishment is a fine of up to $100 and no less than 24 hours of jail time or 24 hours of community service.… Click here to read more

• North Carolina Auto Insurance Coverage

  by Hayden Krueger

  Every state requires you to have the right amount of car insurance to cover you, your family and your vehicle. Mandatory coverage and minimums are set by the state and it is illegal to drive on the streets and highways in the state of North Carolina with at least the required coverage.

  Some states give you other options to cover potential damages and injuries through means other than auto insurance. North Carolina does not allow that optional coverage and you must obtain auto liability coverage through an insurance agency.

  If you are a driver in the state of North Carolina you must carry the following liability insurance: $30,000 bodily injury for one person in one accident; $60,000 bodily injury or death coverage for two or more people in one accident; and $25,000 property damage coverage. These are the minimum levels required by your state and are the maximum amount that … Click here to read more

• North Carolina Auto Insurance Basics

  by Hayden Krueger

  Your automobile insurance is a requirement in order to drive on the highways in your state, however 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. Each 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.

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

  Bodily injury liability takes care of the injuries and subsequent results of others that … Click here to read more

• Minnesota – Tips for Saving on Car Insurance

  by Hayden Krueger

  Just because you have to have car insurance to drive on the streets of Minnesota doesn’t mean you have to pay top dollar for it. There are several tips that can help you save money on your auto coverage. Some you may already be aware of but some are very simple and are easily overlooked.

  The first thing to do is find out what the required liability insurance coverage is for Minnesota. After you know what you must have you can start adding in coverage that you want to include. Knowing exactly what each coverage pays for is the key to building a plan that works best for you at the best rate. Having coverage that you don’t need is a waste of your hard earned money. Having more insurance isn’t always the best case scenario. Having the best coverage for your money is.

  Many people don’t utilize this tip … Click here to read more

• Minnesota – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  It is a fact of life that the more of a risk that you present to an insurance company the more you are going to pay for your coverage. But this is just one factor that car insurance companies take into consideration when determining your rates. Some things, like your driving record, are easy to figure out, but some things you may not have even considered are used to calculate your insurance rates. Check out these factors and see if any of them pertain to you and your family.

  Your driving record is probably the biggest reason that you will pay more to insure your vehicle. Keeping your claims down can help bring down your costs. If you report every little thing, like a cracked windshield or a small ding in your fender, you may be covered now but you will be paying more in the long run.

  If you … Click here to read more

• Minnesota Driving and Traffic Laws

  by Hayden Krueger

  Learning the driving and traffic laws in the state of Minnesota will help you drive safely, protect others on the road and even help keep your car insurance costs down. The less accidents and moving violations that you have on your driving record the less you will pay for your insurance premiums.

  As of June 9, 2009, it is a primary offense to drive in Minnesota without wearing a seat belt. A law enforcement officer can stop you simply because you or any of your passengers are not wearing seat belts. You can be fined anywhere from $25 to over $100 for this violation.

  Babies that are under one year old and weigh less than 20 pounds must ride in a child car seat in the back seat facing the rear of the vehicle. Children who are at least eight years old or at least four feet nine inches tall … Click here to read more

• Minnesota Auto Insurance Discounts

  by Hayden Krueger

  You must carry the required liability insurance to drive in the state of Minnesota. And once you begin to add your own levels of coverage your insurance costs could start to add up. But there are discounts that are available that will help cut some of those costs and help you to save money on your policy.

  Insuring More Than One Vehicle

  Insuring more than one vehicle will get you the multi car discount. This discount applies as long as you insure all of the vehicles under the same policy and all of the drivers of the vehicles live in the same household.

  Safety Features

  You can receive a discount simply by having factory installed anti lock brakes, especially for all four wheels. An airbag discount is also attainable if you have factory installed driver’s seat and passenger side air bags. Many companies are even adding side air bags to … Click here to read more

• Minnesota Auto Insurance Coverage

  by Hayden Krueger

  When you register your car in the state of Minnesota, your must be able to prove that you have the appropriate level of financial responsibility established to cover yourself and your vehicle. Some states offer alternative ways to establish financial responsibility but in Minnesota you can only do this by purchasing car insurance through a licensed carrier. The state does have a program in place if you have had a lot of claims or traffic violations on your driving record and present a high risk. The Minnesota Automobile Insurance Plan guarantees insurance to people who would ordinarily have to pay higher rates through insurers who cover riskier drivers.

  Mandatory liability coverage is dictated by the insurance commissioner of each state. And while there are six major areas of coverage available your state has included liability, personal injury protection, property damage, uninsured motorist and underinsured motorist coverage as requirements to operate … Click here to read more

• Minnesota Auto Insurance Basics

  by Hayden Krueger

  When you register your vehicle in the state of Minnesota, you must be able to prove that you have established financial responsibility by purchasing insurance for your automobile. Each state requires proof of financial responsibility but some offer alternative methods such as posting a secured bond or putting up a certificate of deposit with the state treasurer. Minnesota requires coverage through a state approved insurance agency.

  While the basic levels of auto insurance coverage is pretty much the same in every state, it is the type of coverage and amount of liability insurance required that is what is different. The amount of your deductibles and the level of coverage you choose will all have a bearing on how much you will pay for the premiums on your automobile insurance. If you are unable to get insurance because you are a high risk, the state has a program that will help … Click here to read more