Auto Insurance Guide Archive for October, 2009

• Rhode Island – Tips for Saving on Car Insurance

  by Hayden Krueger

  The state of Rhode Island, like many other states in the United States had made auto insurance mandatory. This means that if any person wants to drive at any point, he must have proof of insurance along with him. Proof of insurance is any document that shows that the motorist or the driver has enough finances to take the financial responsibility of an accident, in case he is involved in one. The state of Rhode Island is a state that follows the Tort system of rules. According to this system, a person has to be found responsible for the accident by a court of law. Once a person is found responsible, he will have to pay for all the damages caused by the accident. Thus, auto insurance is made mandatory.

  Every state fixes a minimum liability. This is the minimum amount of coverage needed to ensure you are not penalised. … Click here to read more

• Rhode Island – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Every state has a set of rules and regulations that must be followed. Every state has many rules and regulations written specifically for the motorists or drivers on the roads. These rules must be followed at any cost. When one person does not follow these rules and regulations, he must realise he is putting himself and others lives in danger. Any violations will be penalised.

  The state of Rhode Island has come out with a set of rules and regulations as well. One such rule would be concerning mandatory insurance policy. The state of Rhode Island, like many other states, has made auto insurance mandatory. The minimum liability is fixed at twenty five thousand dollars per person for bodily injury in the accident and a total of two persons at fifty thousand dollars in total for bodily injury per accident. Property damages costs should be twenty five thousand dollars per … Click here to read more

• Rhode Island Driving and Traffic Laws

  by Hayden Krueger

  Every state has a strict code of rules and regulations. These laws are written to ensure the safety of the citizens. Hence, they must be followed at all costs. Any violations of these laws will be seriously dealt with. There are a set of rules and regulations written in Rhode Island too. There are a set of rules and laws written to govern the motorist on the road as well. These laws are all the more important as any violation of the laws could be putting one’s own life along with others in jeopardy. Therefore these laws have to be carefully adhered to.

  The state of Rhode Island has made auto insurance mandatory, just like many other states. The minimum liability is twenty five thousand dollars for bodily injury per person. The total amount for bodily injury is fifty thousand dollars per accident. The amount fixed for property damage is … Click here to read more

• Rhode Island Auto Insurance Discounts

  by Hayden Krueger

  The state of Rhode Island has made auto insurance mandatory like many other states around the country. Proof of insurance has to be carried every time a person is driving. The driver can have his license revoked if he is found driving without proof of insurance. The state of Rhode Island works on the tort system. According to this system, in case of an accident, one person has to be found responsible by the law. This person will then assume full responsibility for the accident and pay for the damages he might have caused. Therefore, carrying insurance to ensure you can pay for damages is of paramount importance.

  The minimum liability has been fixed by the state of Rhode Island. It is of the form 25/50/25. The state of Rhode Island has a fixed a minimum liability of twenty five thousand dollars for bodily injury per person per accident. The … Click here to read more

• Rhode Island Auto Insurance Coverage

  by Hayden Krueger

  Rhode Island, just like any other state in the United States has its own set of rules and regulations. These are written to ensure safety of the citizens and must be followed at all costs. Every state has a written set of rules to ensure every motorist ion the road is safe. Anybody found violating these rules are placing themselves and others in danger. They will be attracting and penalties and fines if they are found violating the rules. As far as motorists and accidents are concerned, Rhode Island follows the tort system of rules. According to the tort system, a person has to be found responsible for an accident. This person will then have to pay for all the damages caused due to the accident.

  Therefore, it is of extreme importance to ensure that a motorist has enough finances to take financial responsibility of the accident if he has … Click here to read more

• Rhode Island Auto Insurance Basics

  by Hayden Krueger

  Every state in the United States of America makes its own set of rules and regulations. Each of these regulations is aimed at keeping the citizens of the country and the state safe and secure. There are a number of rules and regulations to keep the motorist on the road very safe. Most of the states in America have made insurance compulsory. Insurance is proof that a motorist or a driver has enough finances to take the responsibility of an accident if he is in one.

  Rhode Island is one such state with compulsory insurance. Insurance in this state is of the form of 25/50/25. The minimum liability fixed for motorists in the Rhode Island is twenty five thousand dollars for bodily injury per accident per person. The total for bodily injury per accident is fifty thousand dollars. There should be a minimum of twenty five thousand dollars for any … Click here to read more

• Oregon – Tips for Saving on Car Insurance

  by Hayden Krueger

  Car insurance doesn’t always have to cost you a fortune to maintain. With some handy tips, you can save a lot on your insurance and even decide to increase the coverage to a higher amount. Many people don’t realize the different ways with which they can save on car insurance. By just getting quotes from multiple dealers, you can learn the cheapest way to have your car insured and ensure that you don’t go in for an option that you to shell out a lot for.

  The first tip to save on car insurance is to drive a car that is equipped with a lot of safety features that is going to ensure that the insurance company can give you a lot of discounts on the package. A car that has amenities like ABS, air bags, seat belts, GPS tracking devices and other security devices will cost less to insure … Click here to read more

• Oregon – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are a number of factors that affect insurance rates when you decide to go in for one. Provided that you understand the various factors that are involved in contributing to the rates, you should be able to work towards getting a lower rate and saving on the insurance in the end. Many people end up paying much more than they are supposed and hence compliant about the high costs involved in driving their vehicle.  If we are all made aware of how easy it is to save money on these insurances, we can try and work towards increasing our savings and reduce costs while driving our vehicle.

  The first way in which you can save on insurance is by maintaining a healthy credit score. By simply ensuring that you have a good credit score, it is entirely possible to save on your car insurance and also any other form … Click here to read more

• Oregon Driving and Traffic Laws

  by Hayden Krueger

  The driving and traffic laws in the different states across the country are pretty much the same, except for some minor variations and changes that might be unique to a particular state. These rules are usually explicitly specified and are written in such a way that one need not be too worried about breaking them and will normally be made aware of them in large and explicit road signs. The only thing that varies might be the fine and the penalty for breaking any of these laws, and one needs to be careful while driving to ensure that they are following all the local rules and regulations.

  The next rules are pertaining to drivers who are below the age of 18. These drivers, often labeled as young drivers, have slightly different rules than those who are 18 years of age or older. Under Oregon law, a driver under the age … Click here to read more

• Oregon Auto Insurance Discounts

  by Hayden Krueger

  Getting good auto insurance coverage at a decent price is a very challenging thing today. In fact, many people look hard at get quotes from multiple sources in order to get the best coverage possible for their vehicle. However, not all of them are successful in doing so and often end up with coverage that is barely sufficient and might not even be adequate enough to get on the road with. This is problematic as you need to ensure that your coverage is either equal to or more than the specified limits of the DMV. With some tips, you can enjoy some good discounts on your auto insurance.

  The first easy way of getting good discounts on your auto insurance is by simply buying a car and loading it with safety features and other features that will ensure that it is safe at all times. Driving a car with central … Click here to read more

• Oregon Auto Insurance Coverage

  by Hayden Krueger

  Coverage of auto insurance varies from one state to another, and hence, it is slightly different in Oregon as well. Here, there are some minor variations in the auto insurance requirements. One can look at these variations as a good thing since it can help save money if they minimum limits are lower. When compared to other states, Oregon has somewhat lower requirements which help save money when opting for auto insurance. After choosing the different features of your coverage, you can work towards trying to save some money on it by staying slightly above the specified requirements and also ensuring that you don’t end up getting more than what you need.

  The first thing that is different in the coverage is the minimum specified scale. In Oregon, auto insurance should have a minimum of $25,000 for bodily injury of the driver in the accident and $50,000 for the bodily … Click here to read more

• Oregon Auto Insurance Basics

  by Hayden Krueger

  The auto insurance is something that is mandatory in all states in the United States, regardless of where you might be driving. It is no different in Oregon, where you are supposed to have liability coverage as dictated by the law. Hence, a motorist should only operate a motor vehicle is he is confirming to the liability coverage as dictate by the state of Oregon. The liability is not very different, with only the figures differing from other states. Although the minimum figures are specified, you are allowed to have liability that is in excess of what has been dictated by the state.

  The state says that motor insurance is needed for all forms of vehicles that have been registered with the state, with the exception of some like farm tractors, antique automobiles, motor assisted scooters and snowmobiles. Suppose you don’t use your vehicle, then you too can avoid getting … Click here to read more

• Oklahoma – Tips for Saving on Car Insurance

  by Hayden Krueger

  In Oklahoma, there are a number of things that you can do in order to save money on car insurance. As is common with other states, car insurance is pretty expensive in Oklahoma as well and hence, drivers are constantly on the lookout for different ways with which they can save some money on their insurance. It is possible to save a lot of money provided that you do your research and put in some extra effort while getting your car insurance. Remember that car insurance is important, and the lack of it will result in serious penalties for you later on when you get pulled over for any traffic violation.

  The first important way in which you can save on insurance in Oklahoma is to drive safely. Offensive driving can lead to accumulation of points, which will definitely affect your insurance rates. Since a higher number of points accumulated … Click here to read more

• Oklahoma – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  While opting for auto insurance, there are a number of factors that are going to affect insurance rates that you need to be aware of. As all of us would ideally like to only pay the best rate for our insurance, it is important to understand the different factors that affect the insurance rates of our motor vehicle and try to ensure that these factors are taken care of and not causing the premium to be higher than it actually is.  With a little effort, it is possible to ensure that we get to enjoy the best possible rates on our auto insurance.

  The first factor that affects insurance rates is your credit rating. Your credit score pretty much determines how you are with your finances and dictates the route that insurance companies ought to opt to ensure that they get their money regularly every month. Hence, maintain a good … Click here to read more

• Oklahoma Driving and Traffic Laws

  by Hayden Krueger

  Driving in any location is affected by the laws and rules that govern the place. Often, you might find yourself driving in a certain place but not completely aware about all the laws that might be in effect there. There are minor differences in these rules that you need to keep in mind if you do decide to drive in one of these places. While the majority of the rules like driving on which side of the road and stopping at a red light remain the same throughout the country, the difference lies in knowing the minor rules so that you don’t end up committing a traffic offense unknowingly.

  Firstly, young drivers need to be aware that in the state of Oklahoma, any person under the age of 18 only holds a probationary driving permit. Hence, from the age of 16 to 18, you don’t actually get a driving permit … Click here to read more

• Oklahoma Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance is often looked upon with disdain due to the heavy expenses that are associated with it. In fact, most people who buy a car are often unhappy with the fact that they have to shell out another colossal amount just to have their motor vehicle insured. Since it is unfair that you have to pay such high amounts of money, you ought to do some research and find a way wherein you can have coverage at a fraction of the actual cost that others might be paying. The reality is that it is actually very possible to have good insurance without necessarily spending a large amount of money on it.

  Firstly, the largest affected party due to unfair auto insurance rates is students. Since students are often pegged to be careless and rash, they have to pay a larger premium, even if they are good drivers and have … Click here to read more

• Oklahoma Auto Insurance Coverage

  by Hayden Krueger

  If you own a vehicle or know someone who owns a vehicle, you should be familiar with the concept of auto insurance. There is actually nothing much complicated to it and one can have good auto coverage with actually very little research. Additionally, it is binding by law to have auto insurance and illegal to operate a motor vehicle without one. Hence, it is not only sensible but also necessary to have auto coverage if you drive. Thus, it is in your best interest to have auto insurance that works out for you, both in terms of money as well as the coverage that it offers.

  The first part of the coverage that is absolutely required by the law is liability. Regardless of what auto insurance you might go in for, liability is a feature that it should have. Liability refers to bodily injury liability as well as property damage … Click here to read more

• Oklahoma Auto Insurance Basics

  by Hayden Krueger

  Auto insurance is something that every person who owns a car and uses it on the roads should mandatorily have. It is illegal to operate your vehicle without a good insurance coverage. In addition to being illegal, you are even risking the lives of other motorists in case you do meet with accidents. Since you not having coverage will be a problem when you cause an accident with the other vehicle, it is necessary that the other party has a comprehensive coverage that covers their car even in case of accidents that are caused by others.

  Auto insurance in Oklahoma is not very different from the ones in the rest of the country. Here, auto insurance is provided for drivers with a permit from the age of 16 and above. As with other locations, auto insurance for teenagers is pretty expensive and not always recommended. Since you may not be … Click here to read more

• Ohio – Tips for Saving on Car Insurance

  by Hayden Krueger

  Every citizen in the State of Ohio has made it compulsory for every person to have auto insurance. If they do not have auto insurance they must have a bond with the state treasurer for an amount of thirty thousand dollars. This bond or auto insurance is to prove the driver’s financial responsibility. He should be able to pay for any damage that might occur in the event of an accident. He should only drive a motor vehicle if he has the proof of insurance to prove his financial responsibility.

  The minimum liability that a person has to show in the State of Ohio is twelve thousand five hundred dollars for bodily injury per person and twenty five thousand dollars for bodily injury in total accounting for two persons. The minimum amount for property damage would be seven thousand five hundred dollars. This is the minimum amount imposed by the … Click here to read more

• Ohio – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Every state in the United States of America has written its own set of rules and regulations. Every state wants its citizens to feel safe. There are rules specifically written to ensure protection of drivers and motorists on the highway. Auto insurance is one such safety measure. Many states have made it mandatory. Ohio is one such state that has made auto insurance mandatory.

  Auto insurance policies are mandatory in the state. There is a minimum liability that each of such insurance policies must have. The minimum rate is decided according to the financial responsibility laws. These laws state that every driver must have proof to show he has enough finances to ensure payment for any damage he might cause with his vehicle in an accident. The minimum liability is twelve thousand five hundred dollars for bodily injury per person and twenty five thousand dollars for bodily injury in total. … Click here to read more