Auto Insurance Guide Archive for 2009

• West Virginia – Tips for Saving on Car Insurance

  by Hayden Krueger

  With the ever increasing costs of insuring your vehicle is there anything at all that you can do to save money on your car insurance? There are a number of things that you can do that will result in lower premiums and more money in your pocket. Here are some great tips that could save you some bucks on your next policy.

  You need to know what liability and what levels you are required to carry to drive in your state. In West Virginia, you must carry bodily injury liability and property damage liability. Knowing ahead of time exactly what your insurance needs are will help you get the best rate without paying for coverage you really don’t need.

  Now you can start shopping around for the best prices. As long as you know what your car insurance needs are you can start getting as many quotes as you can. … Click here to read more

• West Virginia – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When insurance companies decide on the rates that they are going to charge their customers, there are many factors that they take into account. Many of the things they take into consideration you really have little to no control over, but there are some things that are factored in that just might surprise you.

  One of the key factors in determining car insurance rates is your driving record. Rates will be higher if you have been the cause of one or more accidents. The same holds true if you have a number of moving violations against you or you have submitted too many claims to your current insurance company. All of these things are factored into the price you will pay for car your insurance.

  Demographics are another area that plays a big part in your insurance rates. While a married woman could pay less for her insurance, an unmarried … Click here to read more

• West Virginia Driving and Traffic Laws

  by Hayden Krueger

  The first thing you should do if you are moving to a new location is to acquaint yourself with the rules of the road in that state. Many of the laws are the same but the consequences for breaking the rules of the road vary from state to state. The following driving and traffic laws pertain specifically to the state of West Virginia.

  In order to cut down on the number of alcohol related fatalaties, West Virginia has a minimum legal drinking age of 21.They have a Zero Tolerance Law regarding anyone who is under the age of 21 who has a positive blood alcohol level. This law has already cut the number of DUI accidents that have resulted in fatalities by 4 percent. If you fail to take a blood alcohol test your license will immediately be revoked.

  You are considered driving under the influence if you have a … Click here to read more

• West Virginia Auto Insurance Discounts

  by Hayden Krueger

  Even though auto insurance rates are mandatory in every state, there are some discounts available that will help keep your costs down. The insurance commissioner in each state sets its own mandatory requirements but when you start adding in additional coverage, your insurance premiums could raise up accordingly. Here are some discounts that are available in the state of West Virginia to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Multi Car Discount

  You could save some money if you insure more than one vehicle under the same policy. If you are a two car family and there are at least two or more people at home who drive, you should qualify for a multi car discount. The vehicles must be primarily driven by you and/or residents of the household.

  Bundling

  Bundling is the new name for … Click here to read more

• West Virginia Auto Insurance Coverage

  by Hayden Krueger

  The state of West Virginia has mandatory insurance requirements for the licensed drivers in its state. And while there are six major areas of coverage for automobile insurance, not all of them are mandatory.

  In the state of West Virginia you must carry the following insurance coverage on your vehicle: bodily injury protection and property damage insurance. Bodily injury liability covers the injuries or death of a person if you are responsible for an accident. And property damage liability covers the repair and/or replacement of another person’s property that was damaged or destroyed as a result of an accident that you were responsible for.

  The minimum amounts are the highest level that your insurance company will pay out for each level of coverage. In West Virginia, you are required to carry bodily injury coverage in the amounts of $20,000/$30,000, which means up to $20,000 to one person in a single … Click here to read more

• Vermont – Tips for Saving on Car Insurance

  by Hayden Krueger

  If you think there is no way you can see any savings from your insurance company you may be surprised. It seems that along with every other expense we have to deal with on a regular basis, car insurance joins the ranks with increasing premiums every year. Check out the following tips that may save you some money on your next policy.

  Know the mandatory insurance minimums required by drivers in the state of Vermont. You must carry some form of liability but knowing what other levels are available as what the additional coverage options – comprehensive, collision, uninsured motorist – cover in detail. Knowing ahead of time exactly what your insurance needs are will help you get the best rate without paying for coverage you really don’t need.

  Once you know what your car insurance needs are you can start getting as many quotes as you can. Premiums are … Click here to read more

• Vermont – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  You might be aware of some of them but there are a number of factors that car insurance companies take into account when figuring out the rates they charge their customers. There are a few things that you really don’t have any control over, but there are some things that are factored in when determining your car insurance rates that just might surprise you.

  How much you are going to pay for your insurance is usually determined by your driving record. Have you been the cause or a victim of one or more accidents? Do you have a number of moving violations against you? Have you submitted too many claims to your current insurance company? If you can answer yes to any of these questions then you are going to pay more for your insurance because of your actions on the road.

  Your age group, where you live and where … Click here to read more

• Vermont Driving and Traffic Laws

  by Hayden Krueger

  When you drive on the highways and byways of a state you must obey their rules of the road. While the consequences for breaking these rules vary from state to state, most of the main guidelines apply. The following driving and traffic laws pertain specifically to the state of Vermont.

  Infants under the age of one who weigh less than 20 pounds must be seated in a rear facing approved safety car seat. Children who weigh over 20 pounds must ride in an approved car seat or a booster seat. And all kids from 8 to 15 must use an approved car seat or seat belt while a passenger in a vehicle in Vermont.

  If you are caught driving under the influence of alcohol in the state of Vermont with a .08 blood alcohol level you can lose your drivers license for 90 days with your first offense. The state … Click here to read more

• Vermont Auto Insurance Discounts

  by Hayden Krueger

  It is a fact that you must have auto insurance to drive on the highways and roads where you live. And each state has its own mandatory requirements. But when you start adding in additional coverage, your insurance premiums could raise up accordingly. Here are some discounts that are available in the state of Vermont that will help reduce some of those costs

  Hybrid

  If you drive a hybrid car or any other vehicle that uses alternative fuel you may be eligible for a discount on your insurance premium. Check with your insurance company to see if they offer this type of discount.

  Insure More Than One Auto on Your Plan

  If you are a two car family and there are at least two or more people at home who drive, you might be able to get a multi car discount. The vehicles must be primarily driven by you and/or … Click here to read more

• Vermont Auto Insurance Coverage

  by Hayden Krueger

  The Insurance Commissioner of the state of Vermont mandates the required insurance coverage for all registered drivers in the state. There are six major areas of coverage for automobile insurance but not all are mandatory.

  If you are a licensed driver in the state of Vermont you must carry the following insurance coverage on your vehicle: Bodily Injury Protection and Property Damage.

  Bodily injury liability covers the injuries or death of a person if you are responsible for an accident. Property damage liability covers the repair and/or replacement of another person’s property that was damaged or destroyed as a result of an accident that you were responsible for.

  The minimum amounts are the highest level that your insurance company will pay out for each level of coverage. For bodily injury, you are required to carry $25,000 for the injury or death of one person per accident, $50,000 for the injury … Click here to read more

• Vermont Auto Insurance Basics

  by Hayden Krueger

  There is mandatory insurance coverage that is required by each state of their drivers. This mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Listed below is some basic information to help you in deciding the levels of coverage you may want to include in your auto insurance policy.

  There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas are: Bodily injury liability, Property damage liability, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage.

  The state of Vermont requires their drivers to carry bodily injury liability and property damage liability. You must be able to show financial responsibility and while most people due this through a licensed insurance agent, you can also purchase a surety bond in the same amounts of … Click here to read more

• Virginia – Tips for Saving on Car Insurance

  by Hayden Krueger

  Car insurance is no small expense today, but the good news is that there are tips for saving on car insurance in Virginia that will allow you to protect you and your vehicle for less. While many people make the mistake of assuming car insurance rates are set by insurance companies, or even the state, the truth is that there is a wide range of coverage and costs involved in auto insurance in Virginia. By learning the ins and outs of how auto insurance is priced, you can give yourself some bargaining power to ensure you get the lowest rates possible. This article will provide some of the best tips for saving on car insurance in Virginia.

  Shop Around

  Because prices are not set in stone, it pays to shop around for the best prices you can find on your auto insurance coverage. Most states provide dozens of insurance companies … Click here to read more

• Virginia – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Car insurance can take a bite out of the budget today, so it pays to know the factors involved in determining current premiums. While many factors may be unchangeable, others might be more flexible. By knowing the various factors that go into determining rates for an individual, drivers are better equipped to shop around for the best premiums on the specific coverage they need. We’ve got five factors to consider when pricing your next auto insurance policy.

  Age and Gender

  Who you are makes a big difference in the kind of auto insurance rates you will pay. Men tend to pay more than women, since statistics show they are more likely to be involved in an accident or receive a moving violation. Age also plays a part in rates, with drivers under the age of 25 and over the age of 65 paying more than the rest of the population … Click here to read more

• Virginia Driving and Traffic Laws

  by Hayden Krueger

  Wherever you drive, it is important to know the driving laws of that particular state. While some laws are consistent throughout the country, others, like cell phone use and DUI laws, vary from state to state. Whether you are moving to Virginia or simply passing through, we’ve got the driving and traffic laws in Virginia you need to know about to drive safely through the Old Dominion State.

  Cell Phone Use

  The state of Virginia allows cell phone use while driving in some circumstance. Drivers over the age of 18 are able to use a cell phone legally as long as they are not composing any sort of text message or email in the process. The no texting law went into effect in July, 2009, and pertains to all drivers of vehicles, bicycles or mopeds. The law also states that anyone driving a school bus may not use a cell … Click here to read more

• Virginia Auto Insurance Discounts

  by Hayden Krueger

  Virginia has a number of coverage requirements that can drive up the cost of auto insurance if you don’t know how to get the best discounts on your policy. There are many discounts available on car insurance, so you are probably eligible for at least a couple of the offerings. While a single discount may not seem to make a huge difference in your overall premiums, combining two or three might save you a significant amount of cash. We’ve got the tips you need to make sure you get every possible discount you deserve.

  Good Driver Discounts

  One of the easiest ways to save on your car insurance in Virginia is to maintain a clean driving record. Motorists who do not get moving violations or report accidents can qualify for good driver discounts. This means that if you are in a minor fender bender, you might want to think twice … Click here to read more

• Virginia Auto Insurance Coverage

  by Hayden Krueger

  Auto insurance is a legal requirement in most states across the country, but the type of insurance drivers must purchase varies slightly from state to state. Virginia has its own unique set of insurance requirements, and drivers new to the state need to educate themselves about the specific laws in Virginia to ensure they purchase the appropriate coverage. This article will offer specific requirements for Virginia auto insurance to help drivers shop for the best coverage for their needs.

  Liability Insurance

  Virginia, like most other states, requires drivers to carry a minimum amount of liability insurance. Liability coverage is broken down into two categories; bodily injury liability and property damage liability. Bodily injury liability protects other drivers who are injured or killed by your vehicle. It includes medical expenses and lost wages. In the event the case goes to court, bodily injury liability can also include legal expenses and compensation … Click here to read more

• Virginia Auto Insurance Basics

  by Hayden Krueger

  Auto insurance is required by law in just about every state across the country, including Virginia. The reason is simple; if you are involved in a traffic accident, the medical expenses and repair costs for your vehicle could quickly create a financial hardship if you are not fully protected. It is also important to provide restitution to other drivers who are injured or vehicles that are damaged by your car. Because auto insurance is a given today, it is important to understand the basics of coverage in Virginia so you can get the protection you need at a price you can afford.

  Requirements

  In addition to requiring auto insurance, many states mandate that drivers carry a minimum amount of certain types of coverage. This is true in Virginia as well, where drivers are required to purchase liability and uninsured motorist coverage. It is very important to know the minimum amounts … Click here to read more

• Utah – Tips for Saving on Car Insurance

  by Hayden Krueger

  Whether you are buying a new car or looking to update your current coverage there are some tips on how you can save money on your car insurance. The following tips could help you save some money on your next policy. And if you can incorporate more than one, it all adds up to some major savings.

  If you don’t know already, you need to find out exactly what coverage you are required to carry for the state of Utah. Knowing the minimum that you must have you can check the limits to see if you want to raise them or add additional coverage in other areas. The minimum limits represent the most money that your insurance carrier will pay out for each accident or incident. If you are prepared ahead of time and know exactly what your insurance needs are it will help you get the best rate without … Click here to read more

• Utah – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When it comes to determining your car insurance rates, you may be surprised to learn what factors the insurance companies use to rate your premiums. Many are just common sense, but others are things you may never have even thought of. Check with your insurance carrier in Utah regarding the following factors to see what factors your company uses in pricing your premiums.

  Your driving record is probably the most significant factor in determining your insurance rates. The first question that your insurance agent is going to ask you is have you had any accidents or tickets in the past three years. Usually accidents and traffic violations will stay on your driving record for up to three years.

  An insurance company will look at your driving history to see how many  accidents you have been involved in, the number of claims you have submitted, no matter how big or small, … Click here to read more

• Utah Driving and Traffic Laws

  by Hayden Krueger

  If you are a resident of the state of Utah, you should acquaint yourself with the rules of the road so you are not surprised if you are pulled over by a police officer. And
  Knowing the driving and traffic laws in the state of Utah ahead of time will keep you from making some costly mistakes. Obeying traffic laws will keep you and your family safe as well as prevent unnecessary increases on your insurance coverage as well as save you money on traffic tickets and fines.
   
  In the state of Utah, you are assessed points for traffic violations, moving and non-moving. Not all are reported to your insurance agency. If you reach 200 points in a three year period you could have your license suspended or revoked for up to one year. You might also have to take a defensive driving class from the Utah Safety Council. And … Click here to read more