Auto Insurance Guide Archive for September, 2009

  • Ohio Auto Insurance Coverage

    by Hayden Krueger

    The State of Ohio, like many other states in Untied States, has made Auto Insurance mandatory. Auto insurance ensures financial responsibility in the case of an accident. A person who has insurance cover can pay for any damages he has caused in an accident. In the state of Ohio, it is a punishable offense to drive without proof of insurance. There are two major aspects to insurance coverage. These are liability coverage and property damage coverage.

    Liability coverage pays for any bodily injury that you might have caused in the accident. The State of Ohio has fixed the minimum liability coverage at twelve thousand five hundred dollars per person for bodily injury in an accident. The minimum liability in total per accident is twenty five thousand dollars for a maximum of two persons. Property damage coverage covers any damages caused to property during the accident. This includes any damage to … Click here to read more

  • Ohio Auto Insurance Basics

    by Hayden Krueger

    Auto Insurance is made mandatory in almost all the states in the United States. The only exceptions are the states of New Hampshire and Wisconsin. Even in these states, financials responsibility is to be shown. Auto insurance is a safety measure. It is to ensure financial responsibility if a driver is in an accident. In case of an accident, the law has to find a person responsible and this person and his insurance company has to pay for the damages caused in the accident. Therefore, auto insurance is very important. The state of Ohio has what is known as FR or financial responsibility laws. Financial responsibility laws ensure that a person has enough finances to pay for the damages in case of an accident. The easiest way to do this would be buying an auto insurance policy.

    The state of Ohio has fixed the minimum liability one should have in … Click here to read more

  • Indiana – Tips for Saving on Car Insurance

    by Hayden Krueger

    When you apply for car insurance in Indiana, you would be faced with two types of factors, the ones that you could not change and the ones that you could definitely change. Understanding them properly would help you save considerably on your car insurance. A few tips for saving on car insurance in Indiana are presented here for your benefit.

    Factors that you could not change are age, gender, past driving violations, previous accident claims, and occupation. Certain other factors like marital status, your geographic area of living, the type of car that you drive, and your credit rating could be changed, even though these things might take time and effort. Let us explore the possibility of saving on car insurance by analyzing these factors briefly.

    Age plays a crucial role in the car insurance premiums. Persons below the age of 25 are considered as irresponsible and reckless drivers, who … Click here to read more

  • Indiana – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Whether it is Indiana or any other state in the United States, several factors would affect auto insurance rates. The factors are based on the risk level for each person. If the insurance companies perceive a higher risk on a particular factor about you, it would increase the premium proportionately. Similarly, if a particular risk is perceived as minimal, the premium would be lowered. The major Indiana factors that affect insurance rates are presented here briefly.

    Factors that affect insurance rates in Indiana

    • Age and gender
    • Driving history
    • Driving record
    • Past accidents history
    • Marital status
    • Mileage of driving
    • Credit history, credit rating, and credit score
    • The make, model, and power rating of the vehicle
    • Several other factors that vary from one company to another

    Since the premiums are decided purely on the risk perception about you by the insurance company, there is no harm in your obtaining quotes from several … Click here to read more

  • Indiana Driving and Traffic Laws

    by Hayden Krueger

    Indiana had devised a points system for traffic violations, which get accumulated in the records of the driver. The Indiana Bureau of Motor Vehicles monitors these points and keeps the points for 2 years in the driving records of the driver. If the driver gets 18 or more points during a period of 24 months, an administrative hearing would be held and the driving license could be suspended. The points for some common violations under Indiana driving and traffic laws are presented here for your understanding, if you are driving in Indiana.

    Speeding – depending on speed 2-6
    No brake or signal lights 2
    Failure to yield 6
    Racing 8
    Driving on suspended license 8

    Drivers in Indiana should obey the speed limits strictly. The speed limits on rural interstate highways are 65-70 mph. The speed limits on rural state divided highways are 60 mph. Interstates in urban areas and … Click here to read more

  • Indiana Auto Insurance Coverage

    by Hayden Krueger

    Every state in the United States had fixed minimum insurance coverage limits for people driving vehicles. Indiana had set its own rules for minimum auto insurance coverage limits. In fact, the auto insurance laws are much stricter than most other states in US. Every driver must purchase a minimum bodily injury liability limit of $25,000 for each person and the total liability limit is $50,000 per accident, if more than one person is involved. The statutory minimum limit for property damage liability is $10,000. This coverage is known as 25/50/10 coverage.

    All the vehicles should display the license number plate and the vehicle must be insured. Whenever the police officers wish to inspect your insurance policy or when you are produced in a court for traffic violations, you should have the auto insurance card with you. Further, according to Indiana laws, all new insurance policies should compulsorily include uninsured/underinsured motorist … Click here to read more

  • Indiana Auto Insurance Basics

    by Hayden Krueger

    For driving a car in Indiana, you should possess a valid driver license and adequate auto insurance coverage, according to the state driving and traffic law. Several types of insurance coverages are offered by the insurance companies in Indiana. Selecting the right type of coverages could be a confusing affair. Hence, first you should understand the basics of auto insurance. The terminologies might vary marginally between the various insurance companies but the five basic parts would not change.

    Declarations Provided by You

    When you apply for auto insurance, you should submit several details in the application form of the insurance company. These declarations would include your personal details, details of the family members in your household who would be driving, the number of vehicles in your home and their registration numbers, your house address, the types of coverages that are purchased by you, the limits for the coverages, and the … Click here to read more

  • Idaho – Tips for Saving on Car Insurance

    by Hayden Krueger

    Whether it is Idaho or any other state, auto insurance costs add considerably to the monthly bills and more so, if there is more than one car in your household. Insurance companies determine the car insurance premium based on the risk assessment of the person purchasing the policy and the other people listed in the policy as household members. It is not at all a difficult task to save on car insurance if you understand the factors that influence the premium amount fixed by the insurance companies for your car insurance policy.

    Driving History

    The first thing that insurance companies look at is your driving history and the history of the other persons included in the policy for the past 3 to 5 years. Hence, it is important that you remain a careful and safe driver as much as possible from the first day you start driving. Accidents could occur … Click here to read more

  • Idaho – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Idaho insurance companies take great care in selling auto insurance to drivers and other members in their households due to the high risk they are taking in the face of several traffic accidents and subsequent insurance claims. Hence, they consider lot of factors in deciding the insurance rates that had to be charged to a particular driver. If you analyze these factors and evaluate your risk level, you would be able to understand the amount of premium that you are likely to be charged. The major factors are presented here for your knowledge.

    Age of the Person Applying for Auto Insurance Coverage

    Normally, persons below the age of 25 are considered as high risk drivers by insurance companies. Persons below 25 usually drive recklessly and faster due to the exuberance of their youth. Due to this factor, they tend to take more risk while driving by over speeding, passing others … Click here to read more

  • Idaho Driving and Traffic Laws

    by Hayden Krueger

    The state of Idaho follows a points system to evaluate the driving record of a person. The points assigned for each traffic offense or violation would continue to add up in the driving history and appropriate punishments would be meted out. The points accumulated by the driver for each offense or violation of the following rules are provided below for your driving reference in Idaho.

    Click here to read more

    Starting parked vehicle 2
    Limitation on Backing 1
    Drivers to exercise due care 3
    Driving through safety zone prohibited 2
    Operation of vehicles on approach of authorized emergency police vehicles  3
    Drive on right side of roadway – exceptions 3
    Passing vehicles proceeding in opposite directions 2
    Overtaking a vehicle on left 3
    When passing on right is permitted 2
    Limitations on overtaking on the left 3
    Further limitations on driving on left of center of highway 3
    One-way highways 1
    Driving on highways laned
  • Idaho Auto Insurance Discounts

    by Hayden Krueger

    Auto insurance is a complicated process. A layman would be staggered by the types of coverages available, the various limits for the coverages, the associated premium burden, the assessment of actual risk in driving around, and the process of making claims after an auto accident. The premium cost of the insurance policy and the deductibles agreed by you would be the main consideration in the decision about the selection of optimum auto insurance coverage that should be purchased by you. When you had to take adequate coverage, these costs could be substantial and become a burden on your financial position and monthly earnings. Hence, looking for obtaining some amount of discounts would be a great help in reducing the financial burden on the monthly budget. There are several ways to get discounts from auto insurance companies. A few of them are presented here.

    Selecting Single Insurance Company

    Along with your … Click here to read more

  • Idaho Auto Insurance Coverage

    by Hayden Krueger

    The Idaho state law had made it mandatory for all motorists to purchase liability insurance for all the vehicles registered in Idaho. The minimum insurance coverage for bodily injury in an accident is $25,000 per person. The total minimum coverage for bodily injury of all the persons in one accident is $50,000. The drivers should also compulsorily purchase a minimum coverage of $15,000 towards property damage. Other coverages like personal injury protection coverage (PIP) or uninsured motorist coverage are not legally required. However, the policyholder could buy these coverages and other types of non-mandatory coverages like comprehensive coverage, collision coverage, medical coverage, etc. if the accident risk is perceived as higher in the area of the policyholder.

    Comprehensive Coverage

    When you own an automobile, several unforeseen incidents could happen that result in a loss to you. Such acts are called ‘Acts of God’ in the insurance industry. If somebody steals … Click here to read more

  • Idaho Auto Insurance Basics

    by Hayden Krueger

    In the state of Idaho, every vehicle driver must have valid auto insurance. Failure to do so could result in the suspension of the driving license. You would be required to apply for reinstatement of the driving license from the Idaho Transportation Department, after paying the appropriate reinstatement fee. You should also provide proof of holding a liability insurance coverage from an insurance company at the time of reinstatement. Hence, it is important that you understand the auto insurance basics in the state of Idaho.

    Auto insurance policies have five important sections or parts. The exact details could vary from one insurance company to another but the basics remain the same. Let us consider them briefly.

    Declarations by the Applicant for Auto Insurance

    The first process in purchasing auto insurance policy is the declarations submitted to the insurance company by the applicant. You are expected to provide true details of … Click here to read more

  • Nebraska – Tips for Saving on Car Insurance

    by Hayden Krueger

    Are you a motorist in the State of Nebraska? You need insurance to get on the road. However, insurance is not cheap. This article gives some tips on how to save money when you are buying insurance. These are some very simple tips that might not occur to you at all.

    You can save a lot of money by maintain a clean and god driving record. Companies charge you lesser if they believe you are a safer driver. If you have had a perfect driving record, chances are your premiums will be very low. Go to a lot of vendors. Do not be satisfied with the first quote you get. Shop around and see which vendor is offering the services you need at the best rates. Consider all the factors involved including reliability dependability and the financial condition of the insurance company itself. Be truthful and honest about the information … Click here to read more

  • Nebraska – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Any state has a strict policy regarding insurance requirements each motorist must fulfil. The state of Nebraska too has a similar policy. The State of Nebraska has a minimum liability of twenty five thousand dollars per person for bodily harm during an accident, a total of fifty thousand dollars for bodily harm during an accident and twenty five thousand dollars for property damage. This is the minimum requirement and it is not strange to see people choosing to go in for policies worth more.

    There are many factors that affect insurance premiums and rates in the state of Nebraska. Each person is viewed by the insurance company as a potential risk within a specific population. As the risk increases, the person pays more for coverage. Thus, for lower premiums the amount of risk should be reduced.

    One of the factors that can affect your insurance premium is your age. Statistics … Click here to read more

  • Nebraska Driving and Traffic Laws

    by Hayden Krueger

    If you are a motorist, you have to take care to be aware of all the different rules and regulations that govern driving in your state. Each state has a different legal code and different penalties involved. You have to ensure that you know each of them as you can be penalised in case you are breaking the law.

    The State of Nebraska also has a strict and efficient legal code for motorists. Traffic violations can be divided into many divisions. The first of these are the strict liability violations. These are offenses where committing the act is enough to penalise the driver. You do not need anything more than the proof that the act has been committed. Whether there was any criminal intent is not important. One such strict liability offense is speeding. Going over the speed limit established for a particular road way is an offense and is … Click here to read more

  • Nebraska Auto Insurance Discounts

    by Hayden Krueger

    Nebraska is a state with a strict insurance policy for its motorists. You have to follow the rules and regulations set by the government. The minimum liability a person should have is twenty five thousand dollars for bodily harm to person, fifty thousand dollars for bodily harm in total in an accident and another twenty five thousand dollars for any property damage per accident. Every time you are driving you will need your proof of insurance.

    While this is mandatory many people tend to go in for amounts larger than the minimum liability to ensure they can pay for any damages. However, insurance is not cheap. There are many vendors in the market today selling insurance. The good shopper always finds out more than one seller. Go to many different vendors. Decide on the different policies you need and check what the prices they are quoting are. This will help … Click here to read more

  • Nebraska Auto Insurance Coverage

    by Hayden Krueger

    Every state has varying rules and regulations regarding their motor vehicles. It is of utmost importance that you should know all of these rules and adhere to them. If you are going to be driving into the state a lot from another state, you must know the minimum requirements and ensure your policy covers them.

    The State of Nebraska is very strict with its motor insurance coverage guidelines. The minimum regulations require every motorist to have an insurance policy with twenty five thousand dollars for one person involved in an accident. The maximum is for two persons with a total of fifty thousand dollars. If there are more than two people, the persons filing first will get the damages. The policy should also cover twenty five thousand dollars for any property damage during the accident. A few vehicles are exempt from the minimum liability insurance. These include vehicles with dealer … Click here to read more

  • Nebraska Auto Insurance Basics

    by Hayden Krueger

    Nebraska is located on the Great Plains of the Midwestern States. It has a population of around one million eight hundred thousand people and the capital city is Lincoln. If you are planning to be driving around Nebraska, you will need to make yourself aware of the basic laws and requirements of the state. You need to ensure you are adhering and following the rules and regulations of the state you are living in.

    One aspect of your life where, adherence to rules has to be strict is driving. There are a lot of rules and regulations in place with regard to driving. Care should be taken to follow each rule written with respect to driving. Insurance is very important when you are planning to take a drive. Insurance protects you from any damage in the unfortunate event of a mishap. In Nebraska, you must have insurance coverage. Every state … Click here to read more

  • Wisconsin – Tips for Saving on Car Insurance

    by Hayden Krueger

    When you going to take Wisconsin car insurance, make sure you are getting an affordable deal rather than spending extra money than what is required. With the increase in the number of insurance sites along with the agents working, it has become difficult to choose the best out of all the offers.

    Here are Wisconsin tips for saving on car insurance that can help you in getting the cheapest and the quality car insurance coverage.

    Researching is necessary for getting the best car insurance deal in Wisconsin. Search various car insurances available online and compare the charges so that you can get an idea about various car insurance deals available and choose the perfect for your car. You can shop around with the listings of the coverage that you want and also those on which you will like to gather information. There are variations in the rates for the same … Click here to read more