Auto Insurance Guide Archive for December, 2009

  • Auto insurance basics for beginners

    by Hayden Krueger

    People who have purchased a vehicle newly might need to know a couple of things about auto insurance so that they don’t end up paying more for their insurance. Also, it can help them better choose what kind of insurance they might need so that they don’t have to choose an option just because the insurance agent told them to do so. These tips are pretty straightforward and you can make use of them even if you are buying a second car or renewing your auto insurance on an existing vehicle. Many people might think that they know a lot but you might be surprised at how many things you might actually not really be aware of.


    This is the aspect of auto insurance that many people don’t pay much attention to, especially if they are averse to the concept of insurance to begin with. While it is true … Click here to read more

  • All you need to know about online auto insurance quotes

    by Hayden Krueger

    Today’s economy is failing and families are having to cut back on their expenses. One thing however that you cannot do without is auto insurance coverage. You are required to have a certain amount of auto insurance coverage insurance coverage in order to legally drive on the road. So, knowing this, but also knowing you need to lower your costs, you need to now get a better auto insurance deal. But where do you start? There are so many auto insurance companies and you just want to find one now and have it done with, so what’s a good option for you?

    The best option for you to find cheap auto insurance quotes is to go online and use it as a tool to locate your perfect auto insurance package.

    The internet is a great quick and convient tool for looking the lowest possible prices on any product, it’s just … Click here to read more

  • The comprehensive guide to buying auto insurance online

    by Hayden Krueger

    Many people prefer shopping online for auto insurance since this method helps them save time. Buying auto insurance coverage online is easy since there are many websites that offer free quotes in a few minutes. There are a few things to keep in mind while buying auto insurance online and the following paragraphs will elaborate about a few tips that can help you get the right coverage.

    Know Your Auto Insurance Needs

    Before opting for auto insurance online you will need to know your needs and shop accordingly. The best way to save money and get the right vehicle insurance is to make a list of your requirements and then opt for the required coverage. If you have an expensive car then you should consider opting for collision cover since this coverage pays for the damages of your car. If you have an old car that you plan on replacing … Click here to read more

  • Practical tips that will knock off dollars on your teen auto insurance

    by Hayden Krueger

    Many parents feel scared when they allow their child to drive a car for their first time but parents also feel a sense of satisfaction when they know that their child is a good driver. Auto insurance companies charge a premium to protect your child’s car from damages and as compared to insurance for older people, teen insurance costs a little more. If you are wondering why does teen auto insurance cost more and what are the ways I can save money on this type of insurance then continue reading as all your questions will be answered here.

    Understanding Why Teen Auto Insurance is Expensive

    Auto insurance companies charge a higher premium for teen policies since teenagers tend to drive rashly. According to statistics drivers under the age of 25 years are more likely to get into a road accident and they are more likely to commit a road violation … Click here to read more

  • Points to consider while buying auto insurance for used cars

    by Hayden Krueger

    Many people often prefer to buy used cars since it is possible to get good used cars for a low price. Used cars are definitely cheaper to buy but depending on the car insurance may be reasonable or expensive. If you have a used car and you want to opt for auto insurance for used cars then continue reading. The following paragraphs will provide tips to keep in mind while buying auto insurance for used cars.

    Opting for Collision Cover and Other Liabilities

    The state you live in will influence your decision of opting for collision cover but the state of your car will also influence your decision. If this liability is not mandatory in your state then you should make note that if your car is in a bad state then you may not want to opt for this cover.

    Depending on your car it may be cheaper to … Click here to read more

  • Individual Auto Insurance vs Multiuser Insurance – Which is better?

    by Hayden Krueger

    Auto insurance is a requirement for all drivers since auto insurance protects vehicle owners from paying for damages. Certain auto insurance liabilities also protect vehicle owners from being sued and depending on your state these liabilities may be mandatory. There are many types of auto insurance and multi user auto insurance is one of them. The following paragraphs will provide facts about individual auto insurance and multi user auto insurance.

    Features of Individual Auto Insurance

    Individual auto insurance is meant for people who have only one vehicle. This policy is useful for people who do not have an extended family. In this type of scheme the applicant is the only policy holder and he is the only one who is allowed to make decisions allowed to his account.

    If his wife, children or any other members are not included in the policy then they will not be allowed to make … Click here to read more

  • Four significant tips to determine your auto insurance coverage needs

    by Hayden Krueger

    Auto insurance coverage protects people from paying for damages after an accident. Most states in the USA require people to opt for auto insurance coverage since vehicle insurance is helpful. Due to the increased cost of living many people are opting for lower vehicle insurance coverage so that they can save money and although this is not ideal it does help many people save money. The following paragraphs will help you understand a few things you should keep in mind and the auto insurance coverage requirement of various states.

    Understanding Your State’s Auto Insurance Coverage Laws

    Your auto insurance quote will depend on the liabilities you opt for and there are only two states in the USA that do not require vehicle owners to opt for liability coverage. Vehicle owners in New Hampshire and Wisconsin are exempted from mandatory liabilities but vehicle owners are allowed to opt for them if … Click here to read more

  • Five Simple Steps to file a Successful Auto Insurance Claim

    by Hayden Krueger

    In order to get the benefits of auto insurance it is important for the vehicle owner to file a successful auto insurance claim. There are various steps to filing a vehicle claim and following these steps is easy provided you know what to do. This article will help you understand the various steps of filing an auto insurance claim.

    Call 911 or the Police at the Accident Scene

    If someone is seriously injured then you will need to call 911 but if you or the other party has some minor injuries then you can call a hospital instead. After dealing with injuries you will need to call the police and get a report from them. The police’s report is needed by the insurance company to file an auto insurance claim.

    Exchange Details and Find a Witness

    You will need to follow the set protocol and you will need to get … Click here to read more

  • What is the importance of auto insurance quotes and how to get them?

    by Hayden Krueger

    Traditionally, before you buy any product, one of the first things that you might do is to go in for a price check of that commodity. Unless you are sure that you are in fact getting the best price for that product, you won’t consider investing in it and might look at alternate options. Almost everything that we buy today will have a quote attached to it. Except for certain select commodities, everything else has a price fixed to it and you might have to be content with the price that is marked on the product itself. But, when it is possible to bargain and get a lower price, you should make sure to go in for it.

    There are a number of advantages to getting a price quote. One of the first advantages is that you can have a rough idea as to how much it should cost across … Click here to read more

  • Simple steps to make your auto insurance more affordable

    by Hayden Krueger

    In this day and age, the trick to ensure that you lead a happy life is by simply being smart with your money and only paying what is required and not anything more than that. The moment you start shelling out more money for your daily commodities, you are bound to run into a financial problem and there will be a lot of complication because of that. Hence, it is best to avoid all of that and simply learn the tricks of the trade. You should know what exactly constitutes as a good price, especially when it comes to things like auto insurance.

    There are a number of ways in which you can reduce the cost of being insured today. You just need to put in a little effort and find out what all those techniques are. Once you are familiar with them, then it becomes quite simple to be … Click here to read more

  • Practical tips to reduce your auto insurance premium

    by Hayden Krueger

    The monthly payments that you make might probably be frustrating, especially if you don’t have a very high salary and can’t seem to make ends meet. But, there are ways in which you can reduce certain things, like say your auto insurance rates so that you at least don’t have that to worry about. There are a number of practical tips that you can put into effect in order to enjoy some truly low premium rates. Many of these tips might be familiar to you, but you might have not known that it can in fact help reduce your insurance rates.

    If you are truly finding it next to impossible to make sure that your premiums are paid within the due date, consider increasing the deductible. This is a risk that you will be taking because you should weight your options and decide whether or not a higher deductible is … Click here to read more

  • Lesser know factors that matter for your auto insurance

    by Hayden Krueger

    There are a number of things out there that can affect your auto insurance in the long run, but then, there are also some lesser known factors which actually affect your coverage. If you are familiar with these terms, then you might be in a better position to claim a lower premium rate for your vehicle. Although it is not possible to control all of the factors that go into deciding on your auto insurance premiums, some of these factors do make a significant difference when computing your rates. The key is to be aware of them so that you can at least make sure that you are in fact getting the best premium possible.

    Believe it or not, your zip code holds a lot of information about your premium. The place that you give as your residential address has a huge say in your insurance premiums and you need … Click here to read more

  • How to alter the rates of your auto insurance premiums?

    by Hayden Krueger

    When you get insurance for your vehicle, you should make sure that you are getting the best rate there is and that you are not paying more than you are supposed to in order to be covered. Some people don’t really think twice about their insurance premiums, but the truth is that you might end spending a small fortune in the long run if you are not careful with your money. Hence, to avoid such a financial mess from ever happening to you, you should try and ensure that you are in fact with a suitable premium for your vehicle.

    The first thing that you need to keep in mind is that you have to customize the insurance policy according to your requirements. Most of the insurance companies out there develop policies based on their experience with what the customer requires. You don’t have to necessarily go in for that … Click here to read more

  • Varying costs on your auto insurance premium is not a tough task

    by Hayden Krueger

    Auto insurance rates have been gradually dropping over the last couple of months. The main reason for this is the prevailing economic condition in the country. But in recent times a revival of sorts is in the making. Auto sales are picking up and so will the auto insurance rates. And in order to be prepared for this new spike, we must know what exactly affects our auto insurance cost.

    Auto insurance is not just an added advantage; it is the law in all states across the country. This makes it mandatory for people to purchase the minimum auto insurance prescribed by their respective state.

    So what are the factors that affect auto insurance premium rates?

    Well there are a number of factors actually. Firstly, it depends on the type of insurance coverage that you have. A comprehensive plan will set you back a huge amount. But it is worth … Click here to read more

  • Think twice before filing auto insurance claims often!

    by Hayden Krueger

    The most important affect of filing for auto insurance claims often is that your premium amount keeps going up the more times you file for claims. So Why does this actually happen?

    If you are going to be filing for reimbursements very regularly, it means that you have been involved in a lot of accidents. And also, since the claims have been filed on your behalf, it means that you are at fault in all these accidents.

    Auto insurance claims are a little complex to understand. We shall now discuss how it decided as to who is liable to pay compensation in case of an accident. It is important that we understand this before we go into the disadvantages of repeatedly filing for auto insurance.

    If you have a first party or fully comprehensive auto insurance policy, you are eligible to claim compensation under any situation. Even if you are … Click here to read more

  • The risks of driving without auto insurance coverage

    by Hayden Krueger

    Driving without auto insurance coverage is a crime in all 48 states of the United States of America. There are severe penalties for not driving without a valid auto insurance policy all over the country.

    There is something known as minimum auto insurance coverage that all auto owners must own. And this minimum limit varies from state to state. The minimum coverage specifies the minimum limit for personal injury sustained due to an accident. It will also state the minimum amount that one must be covered in order to provide for medical coverage for all individuals involved in the accident. And finally it will state the minimum amount of money that must cover property damage accrued as a result of the accident.

    In certain states, additional minimums might be specified. Like tort damages or medical benefits coverage. Tort coverage is necessary to ensure that all car owners have the minimum … Click here to read more

  • Steering clear of auto insurance scams

    by Hayden Krueger

    Auto insurance scams have become pretty common these days. With rising costs and people losing jobs all over the country, there is a rise in such white collar crime. The main reason for this is that it is easy and people are getting away with it. And another factor is that people assume that it is not a crime considering that the insurance company ends up paying for it. But the truth is that the victim is penalized with an increase in premium.

    We shall now discuss the most common techniques employed by these criminals and see how we can avoid them.

    The most common type of scam is called the tail gating technique. The offender pulls up in front of your vehicle when both your cars are moving at a high speed. Then all of a sudden he abruptly slams on the brakes, giving you little or no time … Click here to read more

  • Small aspects with a big impact on auto insurance rates

    by Hayden Krueger

    There are a number of factors that affect auto insurance rates in the United States of America. We shall discuss each one of these factors and give suitable solutions to overcome the same.

    The most important factor is the type of insurance coverage that you have chosen. Fully Comprehensive insurance or first party auto insurance gives you better coverage. It is a no fault insurance, which means that you will be paid no matter which party involved in the accident, is at fault. But comprehensive insurance is also more expensive. It also covers you against losses due to accidents with inanimate objects which do not have insurance. Like in the event of banging your car against a tree or a lamppost, you can still claim for insurance.

    Third party insurance is cheaper. But it gives protection for only those accidents in which you were the party at fault. It will … Click here to read more

  • Simple, yet Effective Tips to buy good auto insurance coverage

    by Hayden Krueger

    Auto insurance is compulsory all over the United States of America. There are different minimum limits to adhere to in each state and it varies across the country.

    Tip 1:

    The best way to get cheap auto insurance coverage is to look for it over the internet. There are a number of websites that offer free auto insurance quotes which you can refer to before making a decision. These quotes are absolutely free and they do not require too much of your time either. You might spend barely a half an hour on filling up a few forms. The details required could include your driving license number, your registration number, your address and your social security number. And you will get your quote in less than a day. In fact there are a few third party website that list a number of auto insurance companies on the same site. This … Click here to read more

  • Five Factors that Affect Your Auto Insurance Premium

    by Hayden Krueger

    A premium is a fee given to an insurer for his services and this premium is calculated differently for everybody. Most of us are aware that the auto insurance premium is affected by certain factors but not many of us know what these factors are. The following paragraphs will elaborate about 5 important factors that are used to calculate your auto insurance premium.

    Your Age Will Decide Your Premium

    The first deciding factor is your age. Your age is taken as a guideline to decide if you are a risky driver or a safe driver. Over the years it has been noticed that people from the ages of 16 – 25 drive rashly and people who are in between the ages of 25 – 65 are safe drivers. It has also been noticed that people above the age of 65 are more likely to get into an accident due to … Click here to read more