Auto Insurance Guide Archive for December, 2009

• Does no-fault car insurance stick to its name?

  by Hayden Krueger

  Auto insurance is a huge business these days. It not only has a lot of benefits, it is also the law to have insurance coverage in all states of the United States of America.

  We shall now discuss no fault car insurance and its advantages and disadvantages.

  In almost all insurance claims, the parties involved in the accident usually have to take the case to court in order to determine who was at fault. And then only the insurance company from the side of the person who was at fault ends up paying for both parties. This is actually a very good idea, given the fact that only the person at fault is penalized. Even though he does not pay the money directly, his or her premium will obviously go up and thus he or she will end up being penalized for their actions.

  But the flipside of this is … Click here to read more

• Buying auto insurance is now a cakewalk

  by Hayden Krueger

  Auto insurance is the law all over the United States of America. Any and every car owner should have auto insurance if he or she needs to drive on the streets of this country.

  So what are the different ways to buy auto insurance in America?

  Well there are a number of ways you can go about doing this. But do remember that how you buy it is going to decide how much it is going to cost you. Hence it is very imperative that you find the best means to go about this.

  The best way to go about buying auto insurance is to look for it over the internet. There are a number of websites that offer you a free insurance quote. In fact there are a few third party websites that offer quotes from a number of insurance companies on the same page. This way you can … Click here to read more

• Auto Insurance Coverage Option that can prevent Financial Liabilities

  by Hayden Krueger

  Auto insurance coverage is regulated by the law in the United States of America. It is illegal to drive without auto insurance in almost all parts of the country. There are a lot of options that one can choose from based on his or her financial situation. The best way to go about getting insurance coverage is to look for it over the internet. 

  First party or fully comprehensive auto insurance: 

  The most popular type of auto insurance coverage is first party or fully comprehensive automobile insurance. The first party auto insurance policy gives the policy holder the maximum amount of flexibility when compared to any other type of policy. The only downside is that this type of policy is very expensive to purchase. 

  First party insurance will reimburse you even when you are not the party at fault. It will also protect you in case you have an accident … Click here to read more

• What factors can you use to your advantage in auto insurance?

  by Hayden Krueger

  When you are going in for auto insurance, there are a number of different factors that you might have to consider in order to get an accurate estimate of your premium. While it is next to impossible to control all of the factors to your advantage, there are a couple of things that you can still do which can help make sure that you have an absolutely low premium to foot. Many people might not be aware of this, even though they might think otherwise. The trick is to know what exactly constitutes as a factor that you can in fact use to your advantage and what are the things that you are better off avoiding.

  The most crucial aspect that you can make use of is to be a safe driver. This goes a long way in ensuring that you do in fact get a very good premium. Many … Click here to read more

• Habits that are going to increase your auto insurance premiums

  by Hayden Krueger

  Owning a car is something that is considered to be a privilege, especially if you consider the fact that in many countries, people still continue to dream about even sitting in a car. Hence, you shouldn’t abuse this privilege as you might end up paying dearly for it. Once you have purchased your car and got an appropriate insurance coverage for it, the least that you can do is to make sure that you are going to hang on to the car for a reasonable amount of time. Also, you should try and ensure that your insurance doesn’t shoot through the roof just because you were careless at some point in time.

  Here is a list of habits that is bound to get you in trouble in the long run. As much as possible, try to avoid all of them and make sure that you are a courteous and safe … Click here to read more

• Different ways to opt for auto insurance

  by Hayden Krueger

  When you purchase a car, one of the first things that you are going to make sure of is to get the right kind of insurance for your car. But, in order to get the right kind of insurance, you should know the different ways in which you can make claims on the insurance. There are a number of ways by which you can get coverage for your vehicle. You just need to be sure that you choose the right one so that you can save money and also get the required coverage for your vehicle without having to compromise on anything.

  The first way in which you check out different sources of providers would be by using the internet. This is the method that people most often make use of as it is one of the most convenient ways of knowing what are the different options available for you … Click here to read more

• Choosing right form of auto insurance coverage

  by Hayden Krueger

  Owning a car can be quite an exciting experience if you know all the responsibilities that go with it. In fact, it is quite a privilege to own a car in the first place and you want to make sure that it is well protected should any calamity befall you. This is where auto insurance comes into play to make sure that you in fact do have the necessary protection even in case of emergencies. Many people might think of it as a burden until they do truly make use of it at some point in their life. Regardless of how careful you might be, there is always a reckless driver on the road ready to make your life miserable.

  The first kind of coverage that everyone would have come across is the basic coverage that most insurance companies provide. With this, you can end up saving money on the … Click here to read more

• Auto insurance basics that can help you get a good rate

  by Hayden Krueger

  Today, people require auto insurance no matter how they look at it. It is quite an inevitable fact, but you will need auto insurance in the long run, be it whether you own a car or if you are planning to buy one. In the end, you will need auto insurance if you plan to use your car on public roads. Hence, the least you can do is to make sure that you at least get an insurance that will not burn a hole in your pocket. You should make sure that you get something that will hold you in good stead for a long period of time.

  The most basic factor that you should consider in order to get low insurance is probably to buy the right kind of car. This will ultimately decide on your insurance premium. It is easy to think with your heart instead of your … Click here to read more

• Your Personal Guide to Auto Insurance Liability Coverage

  by Hayden Krueger

  Certain types of auto insurance liability coverage are mandatory in some states of USA because these covers protect you from financial and legal problems. While there are many types of coverage offered by insurance companies, a few of these covers are very important. This article will elaborate on 5 such auto insurance liability coverage that can help you out in your time of need.

  Bodily Injury Liability Coverage

  Bodily injury liability protects you when a third party gets hurt in your vehicle. This scheme covers medical payments and lost wages for other people who get injured during an accident in your car. This cover also ensures that you are legally protected during such an accident and all your legal expenses are paid for. This liability protects people from getting sued by third parties since this cover pays for their medical expenses while they are injured.

  This auto insurance liability coverage … Click here to read more

• Ways to Save Money on Teen Auto Insurance

  by Hayden Krueger

  Most teens want to start driving as early as possible and this dream is fulfilled on their 16th birthday. Since vehicle insurance is mandatory for all drivers irrespective of their age it is important to get your child a good insurance policy. This article will elaborate on a few ways you can save money on teen auto insurance.

  Don’t Gift Your Child Expensive Sports Cars

  Your child may want his first car to be trendy, expensive and sleek but it is important to remember that the premium for expensive cars is high. If you want to save money on teen auto insurance then you should consider giving you child that is sturdy, durable and economical. The car that is finally selected by your child should not have unnecessary modifications and it should have necessary modifications like automatic seatbelts or a theft alarm. Necessary modifications can help you save money on … Click here to read more

• Protecting Yourself from Auto Insurance Scams

  by Hayden Krueger

  Unscrupulous people go to any extents to rob money from innocent people and this is true even in the auto industry. There are many people who pull off auto insurance scams so that they can rob innocent drivers and the best way to protect yourself is to equip yourself with knowledge. This article will help you understand the various kinds of auto insurance scams and ways you can protect your own interests.

  Fake Companies Offering Attractive Packages

  The most common of all the various auto insurance scams are fake companies offering extremely attractive and lucrative offers. These companies offer car owners schemes that are too good to believe and once the car owners register with the fake company, the company closes shop and vanishes. The best way to protect yourself from such scams is to register with reputed companies and beware of any company that offers extremely lucrative schemes.

  Organized … Click here to read more

• Four Variables that Are Used to Calculate Your Auto Insurance Premium

  by Hayden Krueger

  Most people are aware that their driving record and age are important factors that are used to calculate their auto insurance premium but many people do not know that there are a few other factors that are also used to determine the amount they will pay to the insurer. This article will help you understand four variables that play an important role in determining your auto insurance premium.

  The Speed You Drive at Will Determine Your Premium

  If you thought that driving slowly helps you save money then you are correct. Driving slowly not only helps you save on gas money but it also helps you save a significant amount on your auto insurance premium. Your car’s mileage will also determine your premium. Cars that give a higher mileage per gallon gas will be insured for a lower amount compared to cars that guzzle gasoline. The number of miles you … Click here to read more

• Comparing Auto Insurance Quotes the Easy Way

  by Hayden Krueger

  Articles all over the internet recommend comparing auto insurance quotes before signing up with any company since comparing quotes is considered beneficial. Comparing quotes can definitely help you find a good car insurer that offers maximum benefits for a reasonable price. If you want to know how to compare quotes then continue reading as this article will elaborate on a few easy ways you can compare auto insurance quotes.

  Getting Free Auto Insurance Quotes Immediately

  The first step to comparing auto quotes is to choose 3 to 5 auto companies and then get free quotes from them. In order to get a free quote you will need to enter details such as your street address, your car details and the type of insurance you are looking out for. These free quotes will give you an idea of the approximate amount you will have to pay to get your vehicle insured. … Click here to read more

• 5 Tips to Get a Low Auto Insurance Quote

  by Hayden Krueger

  Auto insurance protects you from paying large amounts when your vehicle is damaged and insurance also protects you from being sued if you have the right liability. In return for the protection and services offered by insurance companies you are asked to pay a premium every year that is calculated using a number of factors. The following paragraphs will elaborate on 5 tips that will help you get a low auto insurance quote.

  Research Before Signing Up

  Comparing prices and benefits with 3 or more insurance companies will definitely help you get a low auto insurance quote. Comparing benefits with prices allows you to understand which insurer is better in terms of cost and features. People who compare prices before signing up have saved a significant amount on premiums since they found the right company who provides maximum benefits for minimum costs. Researching also helps you understand which scheme is … Click here to read more

• Tips to Lower Auto Insurance Rates for Fast Cars

  by Hayden Krueger

  For some of us it is absolute fun to drive a fast car and zip around the town. However, hunting for lower Auto Insurance rates could be an uphill task. Insurance companies generally charge high premiums for fast, flashy cars. Auto insurance companies are justified in doing so because drivers of fast cars are usually aggressive and fast. Though they could be amazing drivers, the risk of ending up in a collision or an accident is pretty high. Higher the risk, higher would be the premium.  Apart from that fast cars are high maintenance and in case of accidents, it could be very expensive to repair.

  Auto insurance at affordable rates for fast cars is a rarity, but there are some companies which provide insurance for these kinds of cars. These expensive flashy cars also face the risk of theft, so it is important to insure the vehicle. Here are … Click here to read more

• Points to consider while choosing the right Auto Insurance Company

  by Hayden Krueger

  If you are looking to buy Auto Insurance, then you will be quite surprised to see how many Insurance companies are vying for your attention. Innumerable adverts with competitive prices will definitely catch your attention, but the number question that is bound to arise in you mind is ‘ Is this Auto Insurance Company right for me?’ The best to way to answer your question is by considering some vital points. In order to arrive at what are the points to consider, prioritize your needs and expectations from the Auto Insurance Company. While shopping for auto insurance, you need to get your priorities right. There are many Auto Insurance companies out there in the market who could cater to your needs. But the whole process of choosing the right Auto Insurance Company is tedious and requires you to do your homework. 

  Here are some points to consider while choosing the … Click here to read more

• Unveiling the secrets to get affordable car insurance

  by Hayden Krueger

  With today’s economy, everyone is looking to save money. So, it only makes sense that people would want to save money on their auto insurance rates as well. We want auto insurance that will provide us with all the coverage and benefits that us and our families need but we don’t want to pay an arm and a leg for it, but just how does one get affordable car insurance? Are there any tips I should know in order to assist myself in procuring affordable car insurance?

  Well, yes there are! Here is some information for you that you will find most valuable in your search to obtain affordable auto insurance!

  Well, one major thing involved in getting an affordable auto insurance rate is too get and maintain a safe driving record. What this means is you must avoid getting into accidents and collisions, even ones that aren’t your fault. … Click here to read more

• Strategies to save on auto insurance rates

  by Hayden Krueger

  The best way to get a low rate on your auto insurance is to be the type of customer an auto insurance provider wants.

  Basically, if you are low in all the criteria they see as high risk, they will give you a lower rate because they want you as a client. They feel they will make more money from you being there customer then someone who is high in their high risk criteria. Here is some information for you on how you can become this valuable customer.
  Firstly, develop safe driving skills, and if you already practice safe driving skills, maintain them. If you are low on accidents, or don’t have any at all, this will look really good to the insurance company. It shows them they you do not get easily distracted behind the will and that you are not a liability behind the wheel.

  If they feel … Click here to read more

• How age and gender can impact your auto insurance rates

  by Hayden Krueger

  Age and gender are two huge factors when it comes to what rate you will be given for your auto insurance premiums. It is important to understand how these may affect you to avoid getting petrified when you get your insurance quote. Here is some information to help prepare you for your auto insurance policy quote.

  First, let us understand that there are many factors involved when auto insurance companies are calculating your auto insurance premium rate. The type of car you drive, the place you live, your accident history, your driving experience, your credit report, your visual health, your age, your sex, your economic background, your credit history, etc.

  So, knowing all this, how does gender affect your auto insurance rates?

  It may be sexual discrimination, but males have a lot more cost when it comes to buying auto insurance because they are statistically more probable of getting into … Click here to read more

• Getting a customized auto insurance policy

  by Hayden Krueger

  Most people out there will tell you that they would like an auto insurance policy that is just for them. That is tailored for their specific needs with the exact benefits and coverage they want and need. This is a customized auto insurance policy. In the auto insurance market of today it is indeed quite possible to get a customized auto insurance policy, in fact most companies offer them to customers in order to keep on the same scale with other auto insurance policy providers.

  What you are able to get in your customized auto insurance policy and how much it will cost will depend on the same factors that affect any auto insurance policy. How old you are, you’re driving experience, accident history, gender, vehicle type, age and reliability, economic background, credit rating, eye sight, health conditions, all of these same things that would affect a normal out-of-the-box auto … Click here to read more