Auto Insurance Guide Archive for November, 2009

  • Disputing auto insurance claims

    by Hayden Krueger

    It happens to everyone, you get involved into an accident, but there’s no need to worry, you have insurance, right? Sometimes, though, auto insurance companies are the worst pain to deal with in an accident. They are not into paying out claims, but that’s what they are therefore and that’s what you payed your premiums to them for. They owe you your money and a lot better customer service than they have been providing you this far. So, don’t sit back and deal with all their ignoring, stalling, and plain rudeness. You have rights as a consumer and there are things you can do. This article will help you with that.

    To start with, call your car insurance company’s claims department and speak with them. Remember, you are the customer and your car insurance rates that you pay are paying their salary as well. If the employee you are talking … Click here to read more

  • When do auto insurance companies cancel your coverage?

    by Hayden Krueger

    According to the law, you must have auto insurance in order to legally drive on the road. So, why and when would your auto insurance company cancel your coverage? What can you do in this situation? Here is some information for you.

    If you have received your cancellation notice, you will find enclosed inside, the reason why they are canceling your coverage. They don’t cancel their client’s coverage without a good reason; after all they are in the business of making money.

    Generally, there are three reasons why they may have canceled your auto insurance coverage. The main reason being bills, have you payed them?

    An auto insurance provider is just like any other company; they are not going to provide you with a service, such as insurance, for free. They understand that without insurance you won’t have a way to get back and forth, but they have to consider … Click here to read more

  • Validating the authenticity of your auto insurance coverage

    by Hayden Krueger

    Making sure the auto insurance you are choosing to purchase is valid and real can be a tall order. With today’s technology there are many sites that offer really reduced prices and promotional deals. Some of these websites and companies are fraudulent, while others are real. So, how can you tell the good companies from the fake ones? Here is some information to help you to validate the authenticity of your auto insurance coverage.

    Some factors to consider when trying to validate the authenticity of auto insurance coverage are what the auto insurance providers ask on their website. Most companies will ask for things such as car model number, zip code, etc. They will ask about yourself, your driving record, your experience. Most importantly of these is your driving record.

    These are normal things to ask. If a website offering quotes isn’t even asking you for any information before giving … Click here to read more

  • Role of your car in determining the auto insurance rates

    by Hayden Krueger

    There are many factors that affect your auto insurance rates. Your age, driving record, marital status, driving experience, credit history, and more all affect your rate. One factor often overlooked is that of the type of vehicle you drive. Here is some information for you on how your vehicle will help determine your auto insurance rates.

    Auto insurance companies want to make as much money as possible so they will take every detail of your car into consideration when figuring out what rate to offer to you.

    One thing they will look at is your cars age. The older a car is the more likely it is to break down. The older a car is the more chance it has of being a discontinued model. Whether a car is old or a discontinued model, it will be difficult and more expensive to find replacement parts in the event of an … Click here to read more

  • Common Auto Insurance Scams to be aware of

    by Hayden Krueger

    Insurance, particularly, auto insurance, is a large and growing market in modern times. As with most large markets in our society, they are frequent to people taking advantage of them to make their own fortunes. The opportunities for people to create and run auto insurance scams are great and reports of this type of fraud are growing every year. So what can you do to avoid people one of the unfortunate souls that are scammed every year by these fraudulent companies? Here is some information to help you to safely purchase auto insurance and avoid the frauds.

    The first rule is always to beware of the really low priced deals out there. If a deal just sounds too good to be true, it probably is. For example, if you have a bad credit history and bad driving history, yet a company offers you auto insurance at a fraction of the … Click here to read more

  • Six unparalleled benefits of the best car insurance coverage

    by Hayden Krueger

    For a person to drive legally in any state of the country, it is imperative to have a valid auto insurance coverage. This coverage, though a mandate as per the law of every state, has many benefits in store even for us too. It is worth every dollar that you pay in order to avail the car insurance policy. Let us quickly take a look at how we can benefit from the policy.

    Bodily Injury Liability- This benefit covers legal costs and any personal injury claims that could be filed against you in the event of an accident, especially if someone has been killed in the accident and you are found to be the guilty party. People have been known to sue in the millions for the death of a family member caused by vehicular manslaughter. This benefit can save you a lot of money and protect your financial stability.… Click here to read more

  • Credit ratings and driving history can influence your auto insurance premiums

    by Hayden Krueger

    We’ve all seen the advertisements on television: Auto Insurance Coverage! Low cost even with bad credit history and bad driving history! Well, in reality, if you go with any respectable auto insurance provider, your credit history, and definitely your driving history, will greatly impact the cost of your auto insurance premiums. Why? Well, it’s quite simple and logical.

    Auto insurance providers are companies, and what do companies do? They sell you a product and make a profit at the end of the day. For this reason, auto insurance providers are wary of people with bad credit ratings and/or bad driving histories.

    You may not have even known this, but auto insurance companies do check your credit rating, and yes it’s perfectly legal for them to do so. Just as it is legal for other companies that are selling you a service, even your cable company runs a credit check on … Click here to read more

  • Repercussions of driving without auto insurance coverage

    by Hayden Krueger

    Are you driving without auto insurance coverage? If you are, you possibly are one of many drivers out there doing so, each with their own reasons. Some have failed to pay their premiums, others just didn’t buy insurance because it was too costly, some never felt they needed it, and for others their state just didn’t require it so they didn’t feel like spending the extra cash.

    Whatever the reason you have for driving without auto insurance coverage, here is some information for you on what can happen because of this poor decision.

    Firstly, most countries and states require that you have at least a minimum amount of auto insurance coverage to be on the road. This is to insure that in the event of an accident, you can pay the costs.

    If you are caught driving without proper auto insurance coverage, you face the loss of your license and … Click here to read more

  • Steering clear of fraudulent auto insurance companies

    by Hayden Krueger

    In today’s market, you are faced with a lot of choices in who you chose to be your auto insurance provider. There are a lot of quality and reputable providers out there, but hiding amongst them are ones that are fake or unreliable and will end up causing you a lot of grief and money. So how do you find a company you can trust to purchase your auto insurance premiums from? Well, here is some information for you to help guide you to finding one.

    The first thing you should do when looking into an auto insurance provider is to check to see that they are a licensed provider in your state. Governments are responsible for monitoring and policing these insurance companies to make sure they are not fraudulent and are practicing good business ethics.

    If the company you are looking into is not licensed by your state, this … Click here to read more

  • Tips for filing successful auto insurance claims

    by Hayden Krueger

    After you have been involved in an accident, there is going to be a lot of things on your mind. There could be injuries to attend too and your car will need to be fixed. You will be worrying if your insurance is going to cover it (if it’s your fault) and you will be hoping that the other person involved in the accident has sufficient auto insurance coverage as well. After everything is settled away, you need to file an auto insurance claim. So what are some tips for filing a successful auto insurance claim? Here is some information to help you?

    First, call your auto insurance company as soon as you can. Do not hesitate, it is the worst thing you can possible do. The longer it has been the more chance there is for details to become muddy and, as well, the longer it is, the more … Click here to read more

  • Ways to avoid auto insurance scams

    by Hayden Krueger

    Insurance companies spend millions every year investigating scams that cripple their bottom line. By arming yourself with the facts about insurance scams, you too can learn to be prepared in the event of an accident. Following these few simple rules should help you spot the bad guys if you ever run into each other.

    Types of Accident Scams

    Swoops, t-bones and sideswipes are just a few examples of the types of accident scams. Drivers of these vehicles use carefully-planned maneuvers to cause an accident, with the intent of defrauding your insurance company. There are warning signs indicating you may be the victim of a scam. Does the driver appear to be uninjured but insists on medical treatment? Are multiple victims in the vehicle complaining of similar symptoms? Is a doctor or lawyer mentioned almost immediately? These are all red flags that may signal an insurance scam.

    Auto Shops

    Auto Shops … Click here to read more

  • Drawbacks of filing auto insurance claims often

    by Hayden Krueger

    You have a little damage done to your vehicle. Your first thought is to file an auto insurance claim. That is, after all, the reason you pay for your insurance in the first place, right? Well, yes and no. While you DO pay for auto insurance in the case of an accident, it is meant to be used more for heavier, more expensive damages, damages you would not be able to cover yourself.

    So before you jump ahead of yourself and file that claim for that shopping cart into your vehicle or that headlight that was smashed in, stop and consider some of the drawbacks of filing auto insurance claims too often. Don’t know what they might be? Well, here is some information on that for you.

    You probably spent a lot of time finding just the right insurance company with just the right insurance policy for you, one you … Click here to read more

  • Six Best Ways to Save on Auto Insurance Coverage

    by Hayden Krueger

    Frugality is fashionable these days, with consumers scouring for ways to put money back into their bottom line. One way to save a few bucks is to maximize your automobile insurance coverage. By reviewing your current policy, you may discover ways to trim the fat from your payment, while ensuring the safety and coverage you need.

    Good Driving History

    A good driving history is the key to cheaper car insurance. Drivers are rewarded for making safe choices behind the wheel with rate decreases and rebate checks, as these drivers save insurance companies millions. Some companies offer rebates for consumers who have been accident-free for six months, and others reward for not receiving a ticket within a year. Insurance companies regularly conduct Motor Vehicle Record (MVR) checks to evaluate speeding tickets received and other incidents reported by law enforcement. No matter what your current driving record may be, the easiest way … Click here to read more

  • Five factors that enable you to vary your auto insurance rates

    by Hayden Krueger

    What goes into the making of an auto insurance quote? We all know our provider “crunches the numbers,” but what “numbers” are they crunching? What factors are involved that determine the rates for auto insurance? There are several routine “standards” your carrier will assess when determining what you will pay for auto insurance.

    Where you live

    Where you live is a key factor in determining your auto insurance rates. If you live in a largely populated area (i.e., “metropolis”), chances are you will be driving on freeways and highways, surrounded by other drivers. The more drivers you share the road with, the higher your chances of having an accident. If you live in the suburb of a large city instead of within city limits, make that clear to your insurance company. Chances are if you live in a small city or town and do not do a lot of out-of-state … Click here to read more

  • Effective steps to file an auto insurance claim

    by Hayden Krueger

    Filing an insurance claim can be a nightmare. From paperwork to adjustors, tow trucks to auto shops, there are many elements to your claim, and all require careful attention. It can be done easily, or you may encounter the need for information you didn’t obtain; knowing what you need to know is important to filing a successful auto insurance claim. Here are a few helpful hints to help you stay on top of your claim to ensure a speedy and (hopefully) hassle-free process.

    Document, Document, Document

    One can never document too much when it comes to your claim. From the moment an accident occurs, you have a responsibility – both legally and to your carrier – to obtain certain information that will identify the other driver, allowing you to report the incident to the satisfactory of your provider. You must always ask for the other driver’s license, registration and insurance … Click here to read more

  • Deductibles and their impact on auto insurance rates

    by Hayden Krueger

    If this is your first time getting auto insurance, you may be wondering what a deductible is and if you need it and if it will affect your auto insurance cost if you do have it. Or it may be possible that you are just looking to change your auto insurance and are looking for some advice on what deductibles to get. Here is some information for you to consider.

    A deductible is the amount you will pay yourself in the event of an accident. Basically, of you get into an accident, this is the amount you agree to pay, so that the insurance company isn’t footing the entire bill.

    Whether or not you will need to purchase a deductible will depend on your auto insurance coverage’s policy. If you are not required to have a deductible, you may consider not getting one so that in the event of an … Click here to read more

  • Effect of auto insurance claims on insurance rates

    by Hayden Krueger

    As a driver you know that there will come a day when you get might into an accident. It happens to everyone, and then we must file the dreaded paperwork called an auto insurance claim. A necessary evil, and auto insurance claim isn’t really a bad thing, it is there to help you in your time or vehicle crisis to recover the costs of your cars damage and your/others medical bills.

    There would have been no point in your long search to find good auto insurance if you were never going to use the insurance in the first place. Knowing you must file this auto insurance claim, you probably want to know how it will affect your premium rates. Will they go through the roof, leaving you unable to afford them anymore? Here is some information for you on how an auto insurance claim will affect your rate.

    Like you, … Click here to read more

  • Points to consider while buying insurance for young drivers

    by Hayden Krueger

    Your young one is now old enough to drive their own vehicle (or yours).  Now you will need to purchase auto insurance for your young driver.  You have probably heard all the bad you can about trying to get young teenagers insured to drive, and a lot of it is probably true, while others might not be. Here are some points for you to think over while searching for auto insurance for your child.

    Is your child responsible enough to drive? None of us wants to think badly of our child, but in a matter such as this, it is important to think objectively. Your child will be alone on the road and you want to make sure they are adequately covered in the event of an accident. If your child gets into an accident and is the one at fault, your premiums are going to skyrocket. Can you afford … Click here to read more

  • Tops tips to guide first time auto insurance buyers

    by Hayden Krueger

    This is an exciting time in your life, your first car and your first license. Now you will become a first time auto insurance buyer, so, where do you begin buying auto insurance? What coverage do you need to have? How much do you need to have? Will your age affect your rate? Where do you purchase auto insurance? Look below for some top tips to help guide you on your auto insurance quest.

    First, you will need to know how much coverage you need and how much you MUST have. Every country and state has their own set of rules governing auto insurance. Whether you even need auto insurance, and how much minimum coverage you will be required to have before you are allowed on the road will depend on where you live. So it is best to call up local offices and get the information regarding this. Even … Click here to read more

  • Five great tips to save on your auto insurance

    by Hayden Krueger

    You’ve got a car and a license, and now you need auto insurance to be able to drive! Auto insurance is required in most states and indeed most countries, so it is something you must have, at least to a minimum degree. Whether this is your first time driving or if you’ve been driving since the 60’s, you will undoubtedly have some questions on how to get a really good price for your auto insurance. Here are some great tips to help you with getting started to find affordable auto insurance.

    Do your research

    Don’t rush into anything. This is a large financial decision that could greatly impact the financial stability of you or your family in the case of an accident. Make sure the company you chose proven to be reliable and has good customer reviews. This is not the type of thing you want to put in the … Click here to read more