Auto Insurance Guide Archive for December, 2009

  • Benefits of getting free auto insurance quotes

    by Hayden Krueger

    Auto insurance quotes are free in all states of the United States of America. With the advent of the internet it really does not matter where you stay in order to get quality low cost auto insurance.

    So how does one go about getting a free quote?

    Auto insurance quotes are available online in a number of internet websites. And most, if not all of the websites offer them for free. There are some insurance companies which have their own websites that give out quotes, and there are also other third party vendors that give out multiple quotes from a number of insurance companies. This way you can compare the different insurance companies and come to a conclusion as to which one you want to target, based on the comparative analysis.

    Online insurance quotes are beneficial for a number of reasons. Firstly, they are free. You do not have to … Click here to read more

  • All you have to know about sports car insurance

    by Hayden Krueger

    Auto insurance these days is undergoing a revolution of sorts. People are realizing that having a single policy for all types of cars is not going to be cost worthy or efficient. Hence the need for a tailor made sports car insurance policy.

    So what are the salient features of sports car insurance?

    Sports car insurance is procured to cover cars which are classified under the sports car category. We shall now try and get an idea as to what exactly entails being in this category.

    Sports cars are characterized by a large engine displacement. This is true for all sports cars. But it is also true for a few SUV’s and other large sedans. In fact a lot of cross over sedans are now comparable if not better than high performance sports cars. Sports cars are also characterized by a high top speed and acceleration capability. And not many … Click here to read more

  • Tips to find cheap auto insurance coverage

    by Hayden Krueger

    The best way to look for auto insurance coverage is to look for it online. There are a number of websites; some of them by the insurance company themselves and some by third party search engines dedicated to auto insurance.

    Go online and apply for a free quote, this is the fastest way to get an idea of what exactly your auto insurance is going to cost you. You have to first ask around as to which insurance company is the best. And then you request the company for a quote. Once you get a couple of quotes, you can short list your companies based on which ones best suit your budget and requirements. It is important to shop around as it is only by this way that you can get yourself the best deal.

    Once you have short listed a few companies, you must then approach them for a … Click here to read more

  • Steps to take after you are involved in a car accident

    by Hayden Krueger

    A car accident is always a sudden and unexpected thing. Nobody can predict when and where it can happen. Hence it is important that you are always prepared for any eventuality.

    The following are the steps that one must try to follow immediately after a car accident.

    Step 1:

    The first step is to make sure that you do not panic. Try to maintain a calm demeanor and make sure that you are in control of the situation.

    Step 2:

    Check to see whether your passengers are unharmed. Also make sure that you have not sustained any major injuries. If you have, you will have minutes to place an emergency call before you lost consciousness. After this, check to see whether the people in the other car and other bystanders or third persons are unharmed. If anyone is seriously injured, call the emergency services immediately. And also begin emergency resuscitation … Click here to read more

  • Save on commercial auto insurance during the off season

    by Hayden Krueger

    Commercial auto insurance is very much different from conventional private or personal use auto insurance. The insurance rates are usually much higher for commercial auto insurance plans.

    This is because commercial vehicles are generally more rigorously used than private vehicles. The owners of commercial vehicles will not usually like to give the vehicle a break for a long period. This is because the vehicle is an investment and any idle time will only reduce their profit margins.

    But a lot of commercial operations are seasonal. And hence the vehicles will not be used as much as they would be when in full use. Business is never constant, it depends on a number of external factors and your expenses need to move in tandem with the fluctuations in your income. Hence it is important to have variable commercial auto insurance.

    Lawn mowers, snow plowers, ice cream trucks, vacation rental vehicles etc … Click here to read more

  • Learn how auto insurance companies calculate your premiums

    by Hayden Krueger

    This is one question which is asked by every driver on the road. If you know what exactly goes into deciding your auto insurance premium, then you can easily make amends to your ways and get the rate fixed. Though no one can give you an exact picture of what goes into your insurance rate, you can get a vague understanding. We shall try and delve into the intricacies of calculating the auto insurance premium.

    The driver’s age plays a huge role in deciding the rate. Younger drivers are considered to be riskier prospects when compared to middle aged drivers. Statistics also show that drivers under the age of 18 are more likely to meet with an accident than a 30 year old driver. This is pretty obvious; it does not take a rocket scientist to figure out why this is so. Youngsters lack experience and hence are more likely … Click here to read more

  • Keep your auto insurance rates down by preventing auto theft

    by Hayden Krueger

    Auto insurance rates depend on a number of factors. The prime factor is the frequency with which you file claims for reimbursement. If you keep on filing for claims, your auto insurance rates will obviously go up. So how do you avoid filing for claims?

    The only way is to avoid getting into accidents or preventing auto theft. In this article, we shall discuss ways to avoid auto theft.

    The best way to prevent thefts is to discourage the thief before the theft even happens. Try to make the thief believe that there is not much to be gained from robbing your vehicle. Hide your valuables inside the car. Do not keep them out in the open on the seat or the dashboard. Use the glove-box or other cubby holes to stash your valuables.

    And also remember to put your luggage in the trunk. No matter how big or small … Click here to read more

  • How can I avoid falling prey to auto insurance scams?

    by Hayden Krueger

    Auto insurance scams are not localized to any particular region. These scams are growing in popularity all over the United States of America. There is not a big city or small town that has not seen some sort of auto insurance scam being played out within its borders.

    Scams of this sort have been around for ages. The first recorded insurance scams date back to ancient Greece where ships were scuttled and made to sink on purpose. Insurance scams are being practiced all over the world these days. Examples of such scams could include health insurance scams where people who are already seriously sick will take up health insurance. Or it could be life insurance scams where the policy holder is killed by his or her near and dear ones for the sake of money. Even valuable art or property is insured and then said to be lost in order … Click here to read more

  • Auto insurance for teenage drivers

    by Hayden Krueger

    Auto insurance for teenage drivers is always a tricky issue. Teenage drivers are naturally considered to be a high risk category and hence are charged a much higher premium when compared to older drivers.

    And the statistics are not very encouraging either. According to the Insurance Institute for Highway Safety, 16 year olds get into accidents almost 6 times more often than drivers between the age group of 35 to 50. This only goes to prove the point that teenage drivers are more prone to meet with accidents.

    So what are the steps that one can take in order to ensure that the teenage drivers auto insurance does not burn a hole in ones pocket?

    The most important thing to do is to educate the teenager about safe driving habits. The best way to do that is to teach by example. Only if you start driving safely and responsibly, your … Click here to read more

  • Understanding the Factors that Increase your Auto Insurance Premium

    by Hayden Krueger

    There are many factors that can increase or decrease the amount of auto insurance premium you are asked to pay. While many of these factors can be controlled by taking simple steps, some of these factors cannot be controlled. This article will elaborate on some controllable and some uncontrollable factors that increase the amount of auto insurance premium you pay.

    Age, Gender and Marital Status are Uncontrollable Factors

    People who are under the age of 25 are considered as risky drivers by vehicle insurance companies and people over the age of 65 are also considered as risky drivers. People who are between the ages of 25 – 65 are considered as safe drivers provided they fit the other requirements. Over the past few years auto insurance companies have noticed that male drivers tend to get into more accidents than female drivers.

    Vehicle insurance companies also believe that male drivers are … Click here to read more

  • Three Easy Ways to Save on Auto Insurance Premium

    by Hayden Krueger

    The recession has not only caused a lot of people to lose their jobs but it has also caused people to skim on services they really require. Since auto insurance is a necessary service that people require it is important to find ways to get the right vehicle insurance scheme for yourself. This article will elaborate on 5 easy ways you can save money on auto insurance premiums so that you are adequately covered when you need it the most.

    Lower Risks

    Before calculating premiums for an applicant auto insurance companies first calculate the risk involved in insuring that person. Certain factors make a person more risky to insure than others and these factors can increase your premium significantly. A good way to save on vehicle insurance premium is to park in a garage and opt for alternate driving routes that do not have much traffic. By parking in a … Click here to read more

  • Easy Ways to Get Affordable Auto Insurance

    by Hayden Krueger

    Auto insurance often costs a lot since this coverage protects you from paying for the damages after your car has been in an accident. There are various factors that affect the amount of premium you are asked to pay and while some of these factors are controllable, others are not. This article will elaborate on a few easy ways you can get affordable auto insurance for your vehicle.

    Know Your Options

    There are numerous companies that offer auto insurance and the easiest way to get a low premium is to know your options. Comparing prices offered by various companies not only helps you understand which company provides the lowest premium but it also helps you understand which company provides the maximum benefits. While comparing prices you should also consider reading up about the auto insurance companies you are interested in taking a policy from. Researching about selected companies will help … Click here to read more

  • What should you know about finding cheap auto insurance?

    by Hayden Krueger

    In today’s worsening economic times, everyone is looking to cut back on their expenses. This is especially true when it comes to high ticket costs like auto insurance premiums. Most average people today are looking for the best possible price for their auto insurance premiums while still maintaining a level of coverage and protection for themselves and their families.

    We are constantly being bombarded with auto insurance company’s ads, all claiming to be the ones that will have you money. So, which auto insurance company is truly the best? Which one will honestly save me hundreds of dollars a year off my auto insurance premiums?

    The truth is that there isn’t one company that will save everyone money. The company you decide will save you money might actually save your neighbour money but charge you more. Auto insurance companies are not one size fits all, what they can save you, … Click here to read more

  • Varying auto insurance rates made easy

    by Hayden Krueger

    Everyone’s trying to save money these days, and auto insurance coverage is a particular area of interest for people needing to cut back. So, you may have decided to go look for a new auto insurance company or a better deal, and have found you aren’t getting much better then what you already have, or are in fact, getting worse. So, you’re confused and wondering just what is affecting your auto insurance rates. What is causing my rates to be so much higher then I think they should be? Well, there are many factors which will affect auto insurance rates. Here is some information for you to better help you understand the numbers you are being quoted.

    Driving History

    Driving history directly and dramatically impacts auto insurance rates. It’s rather logical as to why it affects your auto insurance rates so much. Auto insurance companies make their profits when paying … Click here to read more

  • Tips to get cost effective auto insurance today

    by Hayden Krueger

    There are a number of ways in which you could possibly go out there and get insurance for your vehicle. While not all of them might be as effective as the other, they do offer different kinds of advantages. Hence, depending on what factors matter the most to you, you can perhaps go in for one or more of these methods and decide for yourself the attribute that you will give the most preference to when you are getting auto insurance. Once that is clear, you might be able to get the most suitable kind of insurance according to you and not necessarily what the others might think it ought to be.

    Go Online

    This is probably the easiest way to get insured. The advantage with going online for auto insurance is that you get to see the different options that you might have at the click of a button. … Click here to read more

  • Things to Know about Auto Insurance Coverage Quotes Online

    by Hayden Krueger

    It’s quickly becoming the biggest trend to hit auto insurance in a very long time. Thanks to the advent of technology, we no longer need to go back and forth between auto insurance companies and wait in boring stuffy offices to speak with agents that are never really any help, or spend countless hours on the phone waiting for an auto insurance agent to be free. Now, we can simply go online, and get the auto insurance coverage ourselves! It’s quick, easy and most often a lot cheaper for you in the end. So, what are some things I need to know about purchasing auto insurance coverage online?

    Comparison Shopping

    This is made to be extremely easy to do now. You can search 10s of auto insurance companies at one time to compare the rates they will offer you for the coverage you want with your risk factors. You can … Click here to read more

  • Five Simple Steps to avail Auto Insurance Coverage

    by Hayden Krueger

    During the past few years, car insurance rates have been gradually declining. This trend is mainly due to the prevailing economic situation that the country finds itself in. but there are signs of revival. People are saying that the recession is not as bad as the ones that our country has already survived. Once this country gets back on its toes, auto insurance rates will again start increasing. So how can one avoid this trend?

    There are several ways of getting good low cost car insurance in the United States of America. But in order to get a good deal, one has to work on it by putting in some time trying to find out stuff about the subject.

    Step 1: Shop Extensively

    The best way to look for low cost car insurance is to search for it on the internet. There are a number of websites that offer free … Click here to read more

  • Factors about auto insurance that you might not be aware of

    by Hayden Krueger

    There are a number of factors that your auto insurance might be dependent on. You might not be able to control all of the factors that are going to be considered, but being aware of some of them can be beneficial. In fact, it might even help if you know about the factors that you cannot do much about, because you can try and neutralize the effect of these by taking better control of the factors that do matter. Here is a small list of some of the factors that are often considered but you might not necessarily be aware of.

    The Age Factor

    This is quite a big factor when it comes to your insurance. Many of these insurance companies take your age very seriously and will decide on the premium depending on how old you are. If you are a teenager, you are bound to pay through your … Click here to read more

  • Comprehensive Guide to Auto Insurance

    by Hayden Krueger

    Auto insurance can be a very new territory to many people who are just getting there first vehicle. There is so much to know that even seasoned road veterans will not know it all. You need to know how much you need, what will affect you, where you can get it; there is a lot you need to know. But that’s why I’m here. This article will try to cover some auto insurance basics for the new auto insurance coverage purchaser.

    First, you need to know that in most countries and states it is a requirement by law that you carry sufficient auto insurance coverage. This is so that in the event of an accident or collision, you will have the financial backing to cover all the costs incurred and will not become a burden on anyone else. This is to insure that if you hit someone, they won’t have … Click here to read more

  • Auto Insurance Companies: What they look for

    by Hayden Krueger

    People are always trying to save money, especially with an economy like we have today. It isn’t getting any better, so we must cut back in a lot of various areas. Once people usually don’t think about is their auto insurance. Yes, it is necessary to carry auto insurance in order to drive legally in most areas, but you can find better rates or better companies.

    There is the possibility you may find even more coverage for less then what you are paying now. But auto insurance companies look for certain things in their consumers and give rates based on these things. So, what are the criteria that will affect my ability to get affordable auto insurance with great coverage? Here is some information for you!

    The main thing that will impact your ability to get great coverage for a lower rate is your accident history and driving record. Auto … Click here to read more