Auto Insurance Guide Archive for September, 2009

• District of Columbia Auto Insurance Discounts

  by Hayden Krueger

  Since all auto drivers are statutorily required to purchase auto insurance coverages, it becomes necessary to save as much as possible in yearly insurance costs, which could be substantial. The major cost is the initial deductible that you would be required to pay on the auto insurance policy. Many people do not know that insurance companies offer discounts on the deductible for various reasons. The insurance companies consider your driving history, the number of persons listed in the insurance policy, the make and model of your vehicle, and the policy limits to decide on the deductible, the discounts that could be offered to you, and the monthly insurance payments against the auto insurance policy. Hence, you should know how you could obtain discounts and reduce your deductible.

  Combine your Insurance Policies

  One way of getting discounts on your auto insurance policy is to combine the home insurance and your personal … Click here to read more

• District of Columbia Auto Insurance Coverage

  by Hayden Krueger

  According to the auto insurance law of District of Columbia, each person must purchase a minimum liability limit of $25,000 for bodily injury per person and the total limit is $50,000 per accident. The statutory minimum limit for liability coverage for property damage is $10,000. This coverage is known as 25/50/10 coverage and the limits are termed as 25/50 UM Limits. Washington, DC differs from the other states of the United States regarding auto insurance policy. Even though every driver should have some kind of liability coverage, different options had been provided for the person purchasing insurance policy. Unlike the other states, Washington, DC is not a tort district but is known as a no fault auto insurance coverage district.

  Selecting the right type of auto insurance coverage is not an easy job and at times, it could even be confusing. However, the major types of auto insurance coverage are … Click here to read more

• District of Columbia Auto Insurance Basics

  by Hayden Krueger

  If you want to drive a car, whether your own or somebody else’s, you should have two items according to the law. One is a valid driving license and the other is auto insurance. There are several types of auto insurance policy coverages available. Unless you understand the basics of auto insurance in District of Columbia, you would not be able to select the right type of coverage that would provide you adequate cover in case of an auto accident. Any auto insurance policy would have five major sections. However, the terminology used in these sections might vary from one insurance company to another in a slight manner.

  Declarations

  The first section is the declarations submitted by you in the application form for buying auto insurance. These declarations or proclamations are your personal details, along with the details of other members in your household, who are eligible to drive a … Click here to read more

• Alaska – Tips for Saving on Car Insurance

  by Hayden Krueger

  In Alaska, it is not too difficult to save considerable on your car insurance. Insurance companies base the insurance rates or monthly premiums on their risk assessment of the persons purchasing the auto insurance policy. With a few easy steps, you would be able to get comparatively low insurance premiums on your car insurance. A few tips for saving on car insurance in Alaska are furnished here for your benefit.

  Driving History

  If you have a good driving history, with no accidents or traffic violations, you would command very low insurance premium and save considerably on your car insurance. Hence, you should always try to drive safely and adhere to driving and traffic rules. You should familiarize yourself thoroughly with the traffic rules of Alaska and adhere to them strictly. If, for any reason, your driving history is not that good, you would need to obtain insurance at a higher … Click here to read more

• Alaska – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  In Alaska, there are several factors that affect the auto insurance policy premium rates. The insurance companies consider the risks involved with the person purchasing the auto insurance policy. If the risks are higher in their perception, they would demand higher insurance rates. If they assess that the risks are comparatively lesser, then they would offer lower insurance rates. The factors that affect insurance rates in Alaska are presented here briefly.

  Age of the Driver

  Insurance companies hold that persons below the age of 25 are a very big risk, compared to people over 25. This is because persons below 25 are usually more reckless in their driving and they also tend to drive faster. Due to the exuberance of the youth, they try to take more risks in driving. Hence, insurance companies would hike the insurance rates for persons below 25. Moreover, insurance companies consider people between 50 and … Click here to read more

• Alaska Driving and Traffic Laws

  by Hayden Krueger

  Each state in the United States had formulated its own driving and traffic laws to safeguard its citizens. Majority of the laws are common, while some of them would be state-specific. In Alaska, the most important driving and traffic laws are listed here.

  Driver License

  Any person driving a vehicle in Alaska should have an authorized driving license. Driving without a license or with an insufficient or delinquent license is an offense under the Alaska driving laws. The minimum age for learner permit is 14 years, for intermediate license, the minimum age is 16 years, and for full license the minimum age is 16 years and 6 months.

  Drinking and Driving Violation

  Any person found to be driving a vehicle under the influence of any alcoholic beverage, intoxicating inhalants, or controlled substances would be held to have done a crime. According to Alaskan law, driving under the influence of drinks … Click here to read more

• Alaska Auto Insurance Discounts

  by Hayden Krueger

  Purchasing auto insurance in Alaska is not a simple affair. Several crucial and minute factors are involved in it. One of them is the cost of the insurance policy and the deductibles that you would be paying. Most of the auto insurance companies offer discounts to their clients. Further, the quotes would vary from person to person, depending on the driving history of the person, the type of vehicle, the number of additional persons listed on the policy, and the policy limits. Hence, it is necessary to learn a few tips as to how you could obtain a cheap quote on your auto insurance policy.

  Single Insurance Company

  It is always advisable to purchase all your insurance policies from a single company. This would include your self policy, your auto policy, and your home policy, etc. When a person buys all the policies from the same insurance company, normally insurance … Click here to read more

• Alaska Auto Insurance Coverage

  by Hayden Krueger

  The minimum coverage limit for auto insurance policies would vary from state to state. In Alaska, the auto insurance coverage should be a minimum of $50,000 in case of injury or death of a single person in an auto accident. If more than one person is injured or dies in an accident, the minimum cover should be $100,000. If there is property damage, the cover should be $25,000. Normally, individuals as well as business houses would purchase a higher cover so as to meet any eventuality.

  Several types of auto insurance coverages are available to vehicle owners. The most important among them are comprehensive coverage, collision coverage, liability coverage, and medical coverage.

  Comprehensive Coverage

  The comprehensive coverage is normally for protection against what is termed as ‘Acts of God’, like damage due to fire, theft by a third person, collision with any animal, and other such unpredictable damages. If your … Click here to read more

• Wyoming – Tips for Saving on Car Insurance

  by Hayden Krueger

  Everyone wants to save money these days and one of the ways that you can realize some savings are on your car insurance coverage. While you must keep the mandatory coverage that is required by your state, there are some tips that you can make use of when you purchase or renew your car insurance.

  You should first acquaint yourself with the minimum amount of liability coverage that is required to drive in the state of Wyoming. Knowing what your base coverage is will help you to fill in the other areas where you feel you may need more or less coverage.

  The best way to get the best rates for your car insurance is to check out as many reputable insurance carriers as you can. You will be surprised at how the rates may fluctuate for the same amount of coverage. But make sure that you are purchasing your … Click here to read more

• Alaska Auto Insurance Basics

  by Hayden Krueger

  Every person driving a vehicle should possess auto insurance according to the law. However, very few people understand the basics of auto insurance policies. It is not necessary to become an expert on auto insurance but it is definitely necessary to comprehend the major intricacies involved in these policies, particularly the rules and regulations that govern them in the state of Alaska.

  Basically, any auto insurance policy would have five parts, even though the exact details might vary marginally from insurer to insurer.

  Declarations

  The declarations by the person applying for the auto insurance policy are the first part in this process. These declarations contain the personal details about you and other drivers in your household. The names of all the drivers, the house address, the make and model of the vehicles in the household, their identification numbers, the duration of the policy, and finally the policy number. This section … Click here to read more

• Wyoming – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When it comes to determining your car insurance rates, there are several factors that come into play. Some of these things are just common sense and then there are other things that you probably never even thought of as being a reason to base your car coverage on. Here are some things that the insurance industry considers when coming up with your premiums.

  First up is your driving record. How many accidents you have had, how many claims you have put in and how many traffic violations you have been charged with during a three year period is a big factor in what you will be paying for your car insurance. The more you actually use your insurance, the more it will cost your.

  Your age and where you live play a big part in how much you will pay for your car insurance. If you are a married woman, … Click here to read more

• Wyoming Driving and Traffic Laws

  by Hayden Krueger

  You must obey the rules of the road in order to drive safely in the state of Wyoming. Knowing these rules will save you money in fines as well as on your insurance premiums. While fines and sentences vary from state to state the actual laws are pretty much the same. Take the time to acquaint yourself with the driving and traffic laws in your state so you are prepared before anything goes wrong.

  Wyoming, unlike most states, does not use a point system to determine consequences for driving infractions. It does recognize moving and nonmoving violations and has appropriate punishments for each.

  Nonmoving violations result in a ticket which can be paid through the mail. You are not required to make any court appearance and the tickets are not reported against your driving record.

  Moving violations – speeding, reckless driving, running a red light or a stop sign, racing … Click here to read more

• Wyoming Auto Insurance Discounts

  by Hayden Krueger

  You must have car insurance to drive in the state of Wyoming but that doesn’t mean you can’t save money on your rates. There are a number of discounts available that will cut down on the premiums you pay to insure your vehicle. You must carry the minimum liability required by law for your state, but when you add on to your policy your premiums are going to move up accordingly. Here are some discounts that you may be entitled to that could lower your auto insurance rates.

  Safety Features

  Anything that you can add to your vehicle to protect it from theft or vandalism will not only entitle you to a discount, it will help you out in the long run. Adding anti-theft devices may actually prevent the theft of your vehicle in the first place. And a retrieval system like a LoJack would be vital in locating it … Click here to read more

• Wyoming Auto Insurance Coverage

  by Hayden Krueger

  When you register your vehicle in the state of Wyoming you must prove financial responsibility. This can be done by purchasing automobile insurance or any of the following methods: secure a bond with a surety company that is authorized to do business in your state; secure a bond with two individuals who own real estate in Wyoming; or deposit the equivalent of cash or securities in the amount of $25,000 with the state treasurer.

  The insurance commissioner of each state determines the type and level of insurance liability that each driver must carry. While there are six major areas of coverage available for your auto insurance needs, the state dictates the bare minimum that you must have to drive in the state.

  In order to drive on the roadways in Wyoming you must carry $25,000 in bodily injury protection per person; $50,000 in bodily injury coverage per accident; and $20,000 … Click here to read more

• Wyoming Auto Insurance Basics

  by Hayden Krueger

  While auto insurance coverage as such does not change and remains pretty much the same in every state, what actually changes is the minimum coverage prescribed in each state. Each state has some mandatory coverage that every motorist is supposed to carry if he/she has to drive around legally in Wyoming. Although, the levels of coverage vary from one state to another, motorists are free to take extra coverage after they avail the minimum prescribed limits in their state.

  The mandatory coverage in auto insurance is essentially meant to offer some protection for you as well as the members of your family, and also to ensure the safety of the others on the road. The premiums you pay will entirely depend on a lot of other factors such as the deductibles for instance. If your deductibles are higher the premiums that you would be paying will be much lesser. However, … Click here to read more

• West Virginia Auto Insurance Basics

  by Hayden Krueger

  Each state has its own mandatory insurance coverage. Insurance is not only meant to protect the policyholder, but is also meant to help the beneficiaries as well as other motorists on the road. A minimum level is set by each state and these mandatory levels are usually really low. This is done to ensure that motorists have some sort of coverage. We have tried to cover some of the auto insurance basics in order to help you decide the right type of coverage as well as the levels of coverage as well.

  Every state prescribes its own minimum levels of coverage and it varies from one state to another. Automobile insurance has six main areas of coverage such as damage to property liability coverage, PIP or personal injury protection coverage, comprehensive coverage, collision coverage, under-insured/uninsured motorist coverage.

  If you have to drive around legally in the state of West Virginia, … Click here to read more

• West Virginia – Tips for Saving on Car Insurance

  by Hayden Krueger

  With the ever increasing costs of insuring your vehicle is there anything at all that you can do to save money on your car insurance? There are a number of things that you can do that will result in lower premiums and more money in your pocket. Here are some great tips that could save you some bucks on your next policy.

  You need to know what liability and what levels you are required to carry to drive in your state. In West Virginia, you must carry bodily injury liability and property damage liability. 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.

  Now you can start shopping around for the best prices. As long as you know what your car insurance needs are you can start getting as many quotes as you can. … Click here to read more

• West Virginia – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When insurance companies decide on the rates that they are going to charge their customers, there are many factors that they take into account. Many of the things they take into consideration you really have little to no control over, but there are some things that are factored in that just might surprise you.

  One of the key factors in determining car insurance rates is your driving record. Rates will be higher if you have been the cause of one or more accidents. The same holds true if you have a number of moving violations against you or you have submitted too many claims to your current insurance company. All of these things are factored into the price you will pay for car your insurance.

  Demographics are another area that plays a big part in your insurance rates. While a married woman could pay less for her insurance, an unmarried … Click here to read more

• West Virginia Driving and Traffic Laws

  by Hayden Krueger

  The first thing you should do if you are moving to a new location is to acquaint yourself with the rules of the road in that state. Many of the laws are the same but the consequences for breaking the rules of the road vary from state to state. The following driving and traffic laws pertain specifically to the state of West Virginia.

  In order to cut down on the number of alcohol related fatalaties, West Virginia has a minimum legal drinking age of 21.They have a Zero Tolerance Law regarding anyone who is under the age of 21 who has a positive blood alcohol level. This law has already cut the number of DUI accidents that have resulted in fatalities by 4 percent. If you fail to take a blood alcohol test your license will immediately be revoked.

  You are considered driving under the influence if you have a … Click here to read more

• West Virginia Auto Insurance Discounts

  by Hayden Krueger

  Even though auto insurance rates are mandatory in every state, there are some discounts available that will help keep your costs down. The insurance commissioner in each state sets 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 West Virginia to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Multi Car Discount

  You could save some money if you insure more than one vehicle under the same policy. If you are a two car family and there are at least two or more people at home who drive, you should qualify for a multi car discount. The vehicles must be primarily driven by you and/or residents of the household.

  Bundling

  Bundling is the new name for … Click here to read more