Auto Insurance Guide Archive for September, 2009

• Wisconsin – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Insurance is a matter of personal choice and the insurance taker himself decides what type of insurance he wants to take for his car and from which company. Before a person takes up any type of insurance, he needs to understand that there are a number of Wisconsin factors that affect car insurance premium rates. The premiums are decided by the company by calculating many factors that generally change according to the specified population. The risk factor is analyzed before premium is decided. The insurance premium is directly proportional to the risk factor associated with a particular person.

  The first factor that affects car insurance rates is your age. People under the age of 25 are more at risk unlike the elders. It has been seen that the people who are in the age group of 50-65 have the safest driving records. The higher the risk, the higher would be … Click here to read more

• Wisconsin Driving and Traffic Laws

  by Hayden Krueger

  When it comes to counting on Wisconsin Driving and Traffic Laws, some of the major ones include crossing the speed limits or speeding of the vehicle, running over the traffic signal or ignorance of the stop signal and crossing over the center divider. More common traffic rules include the rule regarding the usage of seat belt wherever necessary, violation of the traffic rules will be considered when the person fails to stop at the crosswalk in order to allow the passengers to cross the road and failing to stop while the children are boarding the school bus.

  Among all the traffic violations, the most serious ones are the road rage, street racing, drunk and reckless driving and vehicle homicide. The drunken driving rules in Wisconsin are that it is illegal for the person of over the age of 21 to drive a motor vehicle when he or she is under … Click here to read more

• Wisconsin Auto Insurance Discounts

  by Hayden Krueger

  None of us likes to pay more money than we can afford on the coverage for the vehicle. The drivers in Wisconsin can follow simple tips for getting the combination of Wisconsin Auto Insurance Discounts and appropriate coverage plans.

  One needs insurance policies for a lot of purposes for home, vehicle and also for himself. By buying the different insurance policies from one dealer can help you saving a lot of money. There are a lot of insurance dealers that offer up to 15% of discounts to the people who buy the various policies from their insurance company. You can also get rid of the headache of dealing with different insurance companies for various covers.

  Raising the deductible amount can also lead you to save oodles of money on the auto insurance. Deductible amount is paid towards the claim before the insurance companies begin to pay. With raise in deductibles, … Click here to read more

• Wisconsin Auto Insurance Coverage

  by Hayden Krueger

  Wisconsin auto insurance coverage includes the liability coverage that will protect you against any kind of property damage, personal injury or death. The other types of coverage include the medical payment insurance and full coverage. The liability coverage included in the personal auto insurance policy will provide you the payments for any type of injury and the property damages that are caused by the use of your vehicle.

  You will get the payments as per the limits that are mentioned in your policy. Wisconsin has set one of the lowest amounts for the liability protection. But you should always consider purchasing more amounts as they can make sure that you can cover all the payments.

  Full coverage auto insurance in Wisconsin will include more than just the property damage, personal injury and the death. It will help you choose the right kind of coverage that will offer you more benefits … Click here to read more

• Wisconsin Auto Insurance Basics

  by Hayden Krueger

  Whosoever drives in Wisconsin needs to have some auto insurance policies by the law but many people do not really understand the Wisconsin Auto Insurance Basics. We do not need to be auto experts but is necessary to be acquainted with the major bricks that are used for building the auto insurance policies. Insurance contract is usually divided in five parts. There can be certain differentiations depending on the insurer but they all address same points.

  The declarations are that part of auto insurance policies that are unique to the driver. It comprises personal facts, such as address and name, model and make of the vehicle. It also contains the policy number, identification number and duration of the policy along with the kind of coverage bought for the vehicle and policy deductibles and limits. Make sure that the information you provide here is genuine and accurate otherwise it can lead … Click here to read more

• Tennessee – Tips For Saving on Car Insurance

  by Hayden Krueger

  Do you feel that your insurance rates are increasing at snarling rate every year at the time of the renewal of policy? Don’t panic. There are many tips for saving on car insurance in Tennessee. You can make use of all or some of these tips to lower down your rate of insurance.

  The place where you park your vehicle affects your premium rates. If you want to save on your car insurance keep your car in the garage. Cars which are parked on the streets are more vulnerable to street thefts and thus, considered by the insurance companies to be highly risky. Most or all insurance companies offer handsome discounts on your car insurance if they are satisfied that you park your car in the garage or a personal space where it is completely safe.

  In case you have undertaken defensive driving class test and passed it, your insurance … Click here to read more

• Tennessee – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are several factors which determine the insurance rates. The vehicle, your driving history and number of claims made in past, safety features added in your vehicle and the parking space all account for your present insurance rates.

  But if you live in Tennessee there are several other factors which affect the insurance rates. These may be unknown to a large section of the people of the state until they come up at the time of an accident and you get the clear picture as to what is included in your policy and what not.

  There are some factors over which you have no control like age, sex and marital status. Age is quite an important factor which determines your insurance coverage. Drivers under 25 years of age are in the high risk area and their insurance rates are generally high. People over 25 years have to pay a nominal … Click here to read more

• Tennessee Driving and Traffic Laws

  by Hayden Krueger

  Like driving and traffic laws of all other US cities are stringent so are for Tennessee if you are a beginner then it is a MUST for you to know all the driving and traffic laws to evade any strict punishments or fines. Or even if you are driving for quite a few years it is time again to know more about the present Tennessee driving and traffic laws.

  Drinking and driving or driving under influence is a serious offence and the guilty is fined heavily or poisoned or suspension of the license in extreme cases. The severity depends on your past drinking and riving records.

  Driving without the license is a serious misdemeanor. The guilty is penalized for the same. The driver must have the license whenever driving on the Tennessee roads. Also, driving with an expired registration is a serious offense. This may lead to imprisonment or hefty … Click here to read more

• Tennessee Auto Insurance Discounts

  by Hayden Krueger

  Buying yourself a car insurance can be a tedious task. In Tennessee there are number of auto insurance coverage available. However, you need to look through them to get the best deal for you. There are many people who are seeking cheap insurance coverage. So, if you are one of them and you are living in Tennessee, you can find great auto insurance discounts. 

  Auto insurance discounts are easy to get provided you shop for them carefully and meticulously. There are several companies that offer food discounts to a particular geographical region. Before you buy insurance, make sure you know if you are falling in such region so that you can avail the discounts. However, you also need to beware of fraud insurance companies or duplicate insurance policies that offer you something that you already have. 

  Discounts on insurance policies depend upon several factors. Most of them are present in … Click here to read more

• Tennessee Auto Insurance Coverage

  by Hayden Krueger

  If you own any vehicle, an auto insurance coverage is must for you. The apt coverage for you will be the coverage that is affordable as well as gives you maximum benefits like medical expenses, insured’s investment in the value of owned autos and coverage against legal liabilities. So, before you select an auto insurance coverage for yourself, there are certain basic requirements that you need to know.

  Whenever you drive on the road, you do not drive with the intention to cause any harm. But human beings are bound to cause folly and accidents may happen. The coverage that you select should be capable enough to give you optimum protection. If you cause any bodily injury to any person or even death, you need a considerable amount of coverage to overcome the liability. Therefore, your policy should be capable of paying you the requisite money. $25,000 is the minimum … Click here to read more

• Tennessee Auto Insurance Basics

  by Hayden Krueger

  Do you live in Tennessee and are planning to buy an automobile? Make sure you know all about the Tennessee auto insurance basics. Auto Insurance is a MUST before you take your vehicle on the road. You may end up in prison for fined heavily for not having auto insurance for your vehicle. It is not optional like the life or medical insurance. Auto insurance is not only important for you but also for the others on the road.

  There are several types of auto insurance policies available with various insurance companies to choose from. The most common type of auto insurance policy is liability. The limit for individual liability policy in Tennessee for bodily injuries is $25,000 for one person. For all bodily injuries the limit is $50,000 and for property damage it is $10,000. Under this policy the car driver is covered and the company bears the expenses … Click here to read more

• Georgia – Tips for Saving on Car Insurance

  by Hayden Krueger

  The present times are not easy for many people financially due to the global economic meltdown and widespread job cuts in every country. Saving as much money as possible in every expense segment becomes quite imperative for everyone now. One of the crucial areas where a fair amount of money could be saved is car insurance. For people who own a car, the annual car insurance premiums form a significant portion of the yearly budget. Since a car is part of the modern lifestyle, you would not be able to escape car insurance but you could easily reduce its impact on your financial resources, if you follow a few simple tips for saving on car insurance.

  Combine Health Insurance and Auto Insurance

  If you would be able to prove to your auto insurance company that you are in great health condition, then the insurance premium rate quoted by the insurer … Click here to read more

• Georgia – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When you decide to purchase auto insurance, several factors would decide how much the insurance would expect you by way of monthly premium payment. Each factor is analyzed through a statistically based risk potential. For a higher risk in each factor, the premium would be increased for the auto insurance coverage. If you have a lower risk, automatically the insurance premium would come down proportionately. Hence, you should understand the importance of each factor that plays a role in the decision of your auto insurance premium. Certain factors could be changed by you but a few other factors could be easily controlled to improve your chances of influencing lower insurance rates.

  Factors that Could Not Be Changed

  Age is one factor that you could not change. However, if you are under the age of 25, you should expect a higher insurance premium every month, because the insurance companies hold persons … Click here to read more

• Georgia Driving and Traffic Laws

  by Hayden Krueger

  In 2007, the state of Georgia passed a new law, known as ‘Joshua’s Law’, to alter the process for a teen driver to obtain a driving license. Further, the ‘Teenage and Adult Driver Responsibility Act’ or TADRA was established to minimize driving risks in teenagers and adult drivers. Under the system, a teenager with a minimum age of 15 could apply for a Class C learner driving permit in Georgia. The teenager should undergo eye test and knowledge, after providing the Social Security Number and an application duly signed by a parent or a guardian. This driving permit would valid for 2 years. While driving, the teenager should be accompanied by an adult over 21 years of age, who possesses a valid driving license.

  Teenagers above 16 years of age could apply to Class D intermediate license, after possessing the learner permit for one year. Teenagers having Class D license … Click here to read more

• Georgia Auto Insurance Discounts

  by Hayden Krueger

  If you wish to protect yourself against all possible risks in an auto accident, you would need to take different types of coverages like liability coverage, comprehensive coverage, collision coverage, medical coverage, and underinsured/uninsured motorist bodily injury coverage. When you combine these coverages, the monthly premium payment could be quite high. As such, you should be aware of the various discounts offered by the insurance companies, so that your burden on the insurance is reduced as much as possible. Some tips about the types of discounts that you could avail in Georgia are presented here for your benefit.

  Direct Auto Insurance Discounts

  If you have more than one vehicle, insuring all of them together with an insurance company would help you obtain discounts up to 10%, depending on the number of vehicles that you are simultaneously insuring.

  Your driving history plays a big role in the decision of the insurance … Click here to read more

• Georgia Auto Insurance Coverage

  by Hayden Krueger

  The state law regulating auto insurance in Georgia stipulates that every person driving a vehicle in the state should purchase liability auto insurance. The law had set the minimum policy limit for bodily injury at $25,000 per injured person and a total minimum of $50,000 for each accident. The minimum limit for property damage is $25,000. This coverage is referred to as 25/50/25.

  The insurance system followed in Georgia is tort system. Under this system, the person at fault in an accident would have to bear all the claims of bodily injury and property damage, along with the insurance company of that person. As such, mere liability coverage up to the statutory limits would not be enough to cover any eventuality. Additional coverages might be needed to protect you against all the risks that could arise out of an accident. You should be aware of the implications of the other … Click here to read more

• Georgia Auto Insurance Basics

  by Hayden Krueger

  With the heavy increase in vehicle traffic on the roads in cities and towns all over the world, accidents too had been growing at an alarming pace. Even if you drive safely and cautiously, following all the road rules, you would never be able to predict the behavior of the other persons driving around you. Hence, it is obvious that you would need adequate protection to meet any unforeseen accidents and bodily injury to you and other passengers. Further, in Georgia, liability auto insurance policy is mandatory and should be purchased by every driver compulsorily. You should know the basics of auto insurance, if you had to cover yourself adequately against possible risks in case of an accident.

  Insurance companies had developed certain standard formats for the purchase of auto insurance. Normally, the entire process of buying auto insurance could be divided into five parts. There could be minor variations … Click here to read more

• District of Columbia – Tips for Saving on Car Insurance

  by Hayden Krueger

  It is a well known fact that the car insurance rates in District of Columbia are one of the highest in the United States. Hence, saving as much as possible on car insurance becomes quite significant. Insurance companies offer insurance rate quotes based on their assessment on the personal risk about the person applying for car insurance. As such, you should know a few tips for saving on car insurance and they are presented here in a brief fashion for your benefit.

  Extensive Research

  On the surface, many auto insurance companies would appear to be offering you high quotes. However, if you are patient enough, search extensively and do not hesitate to research thoroughly to compare prices, you would definitely be able to find an auto insurance company that gives you a much better car insurance rate. Remember that a few hours of your time in research could save you … Click here to read more

• District of Columbia – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Like in other states, the factors that affect insurance rates in District of Columbia are quite significant and should be carefully studied and analyzed before you apply for auto insurance policy. This would help you lower your insurance rates substantially. Already questions are asked about the affordability of auto insurance. Since Washington, DC ranks third highest for insurance rates in US, particular care should be given to the factors that affect insurance rates and try to obtain lower rates. Statistics reveal that the insurance costs jumped 14% from October, 2007 to October, 2008 to $2952.

  Factors that Affect Insurance Rates in Washington, DC

  • Age and gender
  • Driving history and driving record
  • Past instances of accidents
  • Marital status
  • Mileage of driving in one month and in one year
  • Credit history and credit rating
  • The make, model, and power rating of the vehicle
  • Other factors that vary from one insurance company to

  … Click here to read more

• District of Columbia Driving and Traffic Laws

  by Hayden Krueger

  The driving and traffic laws of District of Columbia are quite specific about what is expected of the people driving vehicles in the state. If you move in to Washington, DC, you should obtain a DC driver license within 30 days of moving in.

  Driving License in Washington, DC

  Any person living in Washington, DC and driving a vehicle should have a valid driving license. The learner license could be obtained at the age of 16. Full license is granted for people of age 17 and above. The applicant should submit proof of full legal name, social security number, date of birth and DC residency. If the driver is below 18, parental or guardian consent would be needed. The applicant should surrender the previous driving license or identification card. The previous license should not have been revoked, suspended, or denied. Further, the applicant for driving license should successfully complete the … Click here to read more