Auto Insurance Guide Archive for November, 2009

  • The Task of Buying Auto Insurance Made Easy

    by Hayden Krueger

    When you purchase a car, either a new or used one, there are many other responsibilities that come with the territory. The primary responsibility is buying a good auto insurance policy that can cover costs in case of any untoward incidents. This financial liability is a mandate as per the laws of the state of Georgia. This law has been designed in the benefit of the parties involved since it takes off the financial burden to a great extent.

    However, some people find it to be a challenging task to apply and obtain a good auto insurance coverage. The fact is that this is a relatively simple process that can be done free of hassles and stress if one follows a logical approach and makes use of the resources available in hand. Let us take a quick look at the steps that can help us simplify the process.

    Understand the Click here to read more

  • Eight Critical Parameters influencing auto insurance rates

    by Hayden Krueger

    Auto insurance is an amount that has to be paid for our own benefit. In many countries it has also been mandatory. Just like always, we will find people trying to escape from doing so which may be punishable and unaccepted behavior. Instead, what one could do is to find out exactly what are the factors that influence the premium amount paid and see if they can keep it to a minimum.

    Simple as it may sound; this would require a little effort from your end but is one of the safest ways you can make sure you are benefited. While some factors are those that we can control, there are others that we cannot. We can try to work around factors that seem to be under our control. The factors that play a major role in influencing our interest rates are:

    Age: Statistics reveals that it is the relatively … Click here to read more

  • 4 Simple Yet Effective Steps to help you file auto insurance claims

    by Hayden Krueger

    Meeting with a mishap when driving an automobile can be one of the scariest things to happen in one’s life. In addition to causing pain, injury and loss of income it can also dent a hole in your pocket if you car does not have a valid auto insurance policy. You will also have the added responsibilities of filing a police complaint, dealing with the driver of the other vehicle and also filing an insurance claim. For people who are encountering such situations for the first time in their life, the entire experience may be very stressful.

    Having a good auto insurance policy by your side can ease the situation to a great extent and take away the stress of financial loss. The challenge, though, is filing for an auto insurance claim to cover costs for the damages. Though the process of filing an insurance claim is relatively simple, you … Click here to read more

  • Three tips that will help you avoid insurance scams

    by Hayden Krueger

    If you own any automobile in the state of Connecticut, then, you definitely need to have an auto insurance policy in order to drive the car. This is a mandatory as specified by the financial liability laws in the state. Hence, every person who buys any type of automobile will opt for coverage.

    There are various ways in which a person can purchase auto insurance coverage. You can either walk into any auto insurance company to apply for the policy directly or you can even purchase a policy over the phone. However, the option that is most preferred by people these days is purchasing auto insurance coverage online. This does not come as a surprise considering the fact that most people are running on tight schedules and are hard struck for time.

    Though the advent of this feature has proven to be fruitful to many, there are many others who … Click here to read more

  • Step by Step Approach While Buying Auto Insurance in Colorado

    by Hayden Krueger

    Auto insurance is a financial liability of every person who owns a car. According to the law in the state of Colorado, auto insurance coverage is a must for every person who owns a registered car. There are minimum requirements that have to be covered by any insurance policy that you purchase. While a few of them might want to add more features and benefits to avail complete financial security, many others may just want to opt for the bare minimum coverage. Either ways, it is important to know the features and benefits that need to be present in any auto insurance coverage in Colorado.

    There are certain things that you should know before you go ahead and buy the coverage.  These things are the minimum requirements as specified by the state, the types of coverage you can opt from and the factors that influence the amount you are going … Click here to read more

  • Dissecting Auto Insurance Coverage in Arkansas

    by Hayden Krueger

    Auto insurance is of great value today. It is a lot more than a mere document that we should opt for keeping in mind our won security. Thanks to the increasing traffic on roads and increased congestion on roads, people are being more prone to accidents. This is making us aware of the value of an auto insurance policy.

    With the increasing demand, there are many players in this field today. This is leading to immense competition and the customers are being extremely choosy about the auto insurance they opt for. Finding maximum coverage with minimum premium is the main aim for every customer. Hence companies are coming up with many plans for the benefit of the customers. They offer different coverages for different amounts of premium paid. Ultimately, it is the customer who decides what he wants from his auto insurance plan.

    At Arkansas, there are many different plans … Click here to read more

  • Auto Insurance Rates Vary In Alaska

    by Hayden Krueger

    Auto insurance is an important aspect of owning a vehicle in Alaska. Any person having an automobile has to invest a certain amount in purchasing this financial liability. While there are certain requirements which are mandatory as per the law governing the state, an individual can also opt for higher benefits if they are feasible and within the set budget of the person.

    There are many factors that affect the auto insurance rates in Alaska. Understanding the factors that have a strong bearing on the insurance rates will help you be prepared for what you will have to shell out when you go out to buy the insurance policy. You will also be able to know where you can make adjustments in order to pay lower insurance rates.

    Gender

    The gender of the person opting for the auto insurance coverage plays a significant role in determining the rate of the … Click here to read more

  • 5 Tips to Ease the Process While Buying Alabama Auto Insurance

    by Hayden Krueger

    A financial liability is a must as per law in every state of the United States when you own an automobile. While some states have made it mandatory to have an auto insurance coverage, there are other states that allow you to opt for any financial certification or bond which is of the value of the minimum amount specified legally in that particular state.

    If you opt to go in for the auto insurance coverage, then, there are a few factors that you will need to take into consideration while buying the policy. First of all, the basic aspects of auto insurance are similar across the United States; however, the types of policies and the amount for each liability vary from one state to another. The level of coverage you decide to go in for and the deductible amounts also play a crucial role in determining the premium amount for … Click here to read more

  • New Hampshire – Tips for Saving on Car Insurance

    by Hayden Krueger

    New Hampshire is one of the few states that have not made auto insurance mandatory. A person driving in New Hampshire must ensure that he has enough funds to cover damages in the event of a car accident. He must have proof of these finances with him in the car. These are known as the financial responsibility laws. New Hampshire and Wisconsin are the only two states following these laws. However, it is very common to find drivers in New Hampshire with insurance. Many people prefer this as it gives them a feeling of safety.

    If you are looking for an auto insurance policy in New Hampshire, here are some tips to save money. Look around. Do your research. Compare different businesses offering insurances. If you look around long enough, you will find the prefect business for you. Companies offer different schemes for different customers. Find the company offering the … Click here to read more

  • New Hampshire – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    New Hampshire is a unique state. It is one of the only two states in the United States that has not made it mandatory for the motorist to carry an auto insurance policy to cover the costs of damages in case of an accident. The other state is Wisconsin. These two states have what is known as financial responsibility laws. According to these laws, it is enough if the person has proof showing he has enough funds to cover damages in case of an accident. Carrying auto insurance is made mandatory only if you are not able to provide proof regarding your finances. An auto insurance policy is mandatory if you have been convicted of driving under influence or have accumulated a number of demerit points from the DMV.

    However, many drivers in the state of New Hampshire opt for an auto insurance policy. It is a safety net with … Click here to read more

  • New Hampshire Driving and Traffic Laws

    by Hayden Krueger

    Every state in the United States has its own strict code of rules and regulations. These rules must never be broken and must be adhered to very strictly and respectfully. The state of New Hampshire follows the Tort system. The Tort system means that in case of an accident, a person has to be found responsible. This person and his insurance company or finances will play for the damages caused due to the accident. New Hampshire also follows the financial responsibility laws. The laws of the state of New Hampshire do not require every driver to have an insurance policy. However, it requires them to carry proof of finances that can cover the cost of damages in case of an accident. However, many people elect to go in for auto insurance.

    New Hampshire also uses the commonly used points systems. New Hampshire awards demerit points based on the seriousness of … Click here to read more

  • New Hampshire Auto Insurance Discounts

    by Hayden Krueger

    Many states in the Untied States have made an auto insurance policy mandatory. The only exceptions to this would be the states of Wisconsin and New Hampshire. These states have not made it necessary to carry an auto insurance policy. These states have what is called as the financial responsibility laws. They do not require an auto insurance policy. However, you need to show proof that you have the finances needed to cover damages in case your vehicle is involved in an accident.

    In case, you are not able to provide proof, you need to have an auto insurance policy. However, it is mandatory for a few people to carry an auto insurance policy even in the state of New Hampshire. If you have been convicted of DUI or have collected a lot of Demerit points from the DMV, you need to have an auto insurance policy.

    An auto insurance … Click here to read more

  • New Hampshire Auto Insurance Coverage

    by Hayden Krueger

    Every state in the United States has different rules and regulations for motorists. All of these laws are aimed at making the motor way a safe place to be driving. New Hampshire is a state that is slightly different from the other states. New Hampshire, along with Wisconsin advises all its motorists to have an auto insurance policy to cover them. However, there is no law that makes it mandatory to carry an auto insurance policy. However, not every one is exempted from carrying an auto insurance policy.

    It is mandatory for a few people to carry an auto insurance policy. These include drivers who have been convicted of driving under influence. If you have accumulated a set number of Demerit Points from the DMV, you need to carry an auto insurance policy. The first DWI conviction makes it mandatory to have liability for three years and the second conviction … Click here to read more

  • New Hampshire Auto Insurance Basics

    by Hayden Krueger

    Auto insurance is a service provided by various insurance companies that protects your financial security in case of your involvement in an accident. Auto insurance is not made mandatory by the federal government. However, most states, barring a few, have made minimum auto insurance the law. The only states that have not made auto insurance mandatory are Wisconsin and New Hampshire. These states have financial responsibility laws. Financial responsibility laws are different from mandatory insurance requirements.

    An insurance policy is not needed if you want to be driving on New Hampshire roads. However, you must be able to show that you have sufficient funds to pay for damages. In the case of not being able to show proof of sufficient funds, a person is required to have an auto insurance policy. Even though it is not required by law, having auto insurance is advised.

    Auto insurance is comprised of six … Click here to read more

  • Hawaii – Tips for Saving on Car Insurance

    by Hayden Krueger

    If you own a vehicle or if your household possesses a few vehicles, the car insurance could be a substantial burden on your monthly income. Since a car had become a must in the modern fast living, saving on car insurance would mean a lot to the monthly budget. With job cuts looming all around and wage freezes becoming the norm, saving as much as possible on car insurance is imperative. It is not too difficult to achieve substantial savings on car insurance if you understand and follow a few simple tips on this subject. 

    Clustering Your Insurances 

    Every person would necessarily have a life insurance, a home insurance, and car insurance. Further, majority of people also have health insurance in Hawaii. When these insurances are purchased from one insurance company by clustering them together, the insurance company would offer much better insurance rates and the premium on car insurance … Click here to read more

  • Hawaii – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    When you apply for auto insurance in Hawaii, the insurance company considers several factors related to you and the risks associated with them to decide on the insurance rates. If you understand these factors that affect your insurance rates in Hawaii, you would be able to save on your insurance premium payments. The most important factors that the Hawaii insurance companies look into when you apply for auto insurance are listed hereunder. 

    • The make and model of the vehicle/s
    • The age of the vehicle/s
    • The age of the driver
    • Gender and marital status of the driver and other members
    • The driving record of the applicant and other household members listed in the application
    • The geographical area of the applicant
    • The type of coverages selected for auto insurance 

    Each factor in the above list carries a certain weight in the computation of the insurance company when your auto insurance quote is … Click here to read more

  • Hawaii Driving and Traffic Laws

    by Hayden Krueger

    In Hawaii, you should undergo an approved driver education course and a driver training course if you are under 18, even if you possess driving license of another state. You would be granted a provisional license after you complete the courses successfully. If you are over 18, you need not undergo these courses but attending them would be quite useful. For cars, Hawaii provides a Class 3 license for driving vehicles that weigh 15,000 pounds or lesser. The vehicle design should allow transport of a maximum of 15 passengers, including the driver. 

    The drunk driving laws in Hawaii are determined by a point system that evaluates the records of a driver. The driver would be constantly monitored for continued driving qualification. The graduated scale of points assigned to the driver for various traffic violations are listed hereunder. 

    • Driving under the influence of alcoholic drinks or other intoxicating material                              4 to
    • Click here to read more

  • Hawaii Auto Insurance Discounts

    by Hayden Krueger

    According to a survey in 2004, the average auto insurance premiums in Hawaii were $817.45. The liability coverage premium averaged $537.36, collision coverage was around $285.14, and comprehensive coverage was about $108.19. The average premium in Hawaii was higher than 28 other states in the United States but lower than 21 states. The average premium would be above $1,000 at present. Hence, you should look for ways to get auto insurance discounts in Hawaii to reduce your financial burden. There are two types of auto insurance discounts, direct discounts and indirect discounts. 

    Direct discounts 

    If you have a number of vehicles, you should insure all of them with one insurance company for a single auto insurance covering all of them. The insurance company would offer you discounts up to 10%. This discount would depend on the number of vehicles, the types of vehicles, and the conditions of the vehicles. 

    The … Click here to read more

  • Hawaii Auto Insurance Coverage

    by Hayden Krueger

    Auto insurance is not a pleasant subject. We had to discuss the possibility of an auto accident, bodily injuries, or even fatality. Still, it is something that could not be ignored. If you do not have auto insurance, you might be forced to shell out huge sums if you get involved in an auto accident and you might even get financially ruined. Hence, you should know what types of auto insurance coverages would protect you from this risk. Normally, auto insurance could be divided into six major components, though several other minor types of coverages are offered by Hawaii insurance companies. 

    Bodily Injury Liability Coverage 

    Commonly known as liability coverage, this bodily injury liability coverage is mandatory in Hawaii by state law. According to the Hawaii statute, each person driving a vehicle should have a minimum bodily injury liability auto insurance policy limit of $20,000 per injured person and a … Click here to read more

  • Hawaii Auto Insurance Basics

    by Hayden Krueger

    Car is inevitable for the fast modern life. Since the place of work and residence are quite a distance away, commuting by car is the easiest proposition, even though car pooling and traveling by public transport might sometimes be possible. While driving a car in crowded city traffic, chances of accidents always exist. Even in Hawaii, the possibilities of auto accidents are substantial. Auto insurance becomes inevitable to protect yourself from heavy financial requirements under such circumstances. As such, it is imperative that you know the auto insurance basics to get yourself adequate auto insurance coverage. 

    The auto insurance format varies slightly from one insurance company to another in Hawaii but the basics are about the same. They are presented here briefly. 

    Declarations Provided by You When You Apply for Auto Insurance 

    If you wish to purchase auto insurance, you should first submit complete details about you, your family members, … Click here to read more