Auto Insurance Guide Archive for 2009

• Minnesota Driving and Traffic Laws

  by Hayden Krueger

  Learning the driving and traffic laws in the state of Minnesota will help you drive safely, protect others on the road and even help keep your car insurance costs down. The less accidents and moving violations that you have on your driving record the less you will pay for your insurance premiums.

  As of June 9, 2009, it is a primary offense to drive in Minnesota without wearing a seat belt. A law enforcement officer can stop you simply because you or any of your passengers are not wearing seat belts. You can be fined anywhere from $25 to over $100 for this violation.

  Babies that are under one year old and weigh less than 20 pounds must ride in a child car seat in the back seat facing the rear of the vehicle. Children who are at least eight years old or at least four feet nine inches tall … Click here to read more

• Minnesota Auto Insurance Discounts

  by Hayden Krueger

  You must carry the required liability insurance to drive in the state of Minnesota. And once you begin to add your own levels of coverage your insurance costs could start to add up. But there are discounts that are available that will help cut some of those costs and help you to save money on your policy.

  Insuring More Than One Vehicle

  Insuring more than one vehicle will get you the multi car discount. This discount applies as long as you insure all of the vehicles under the same policy and all of the drivers of the vehicles live in the same household.

  Safety Features

  You can receive a discount simply by having factory installed anti lock brakes, especially for all four wheels. An airbag discount is also attainable if you have factory installed driver’s seat and passenger side air bags. Many companies are even adding side air bags to … Click here to read more

• Minnesota Auto Insurance Coverage

  by Hayden Krueger

  When you register your car in the state of Minnesota, your must be able to prove that you have the appropriate level of financial responsibility established to cover yourself and your vehicle. Some states offer alternative ways to establish financial responsibility but in Minnesota you can only do this by purchasing car insurance through a licensed carrier. The state does have a program in place if you have had a lot of claims or traffic violations on your driving record and present a high risk. The Minnesota Automobile Insurance Plan guarantees insurance to people who would ordinarily have to pay higher rates through insurers who cover riskier drivers.

  Mandatory liability coverage is dictated by the insurance commissioner of each state. And while there are six major areas of coverage available your state has included liability, personal injury protection, property damage, uninsured motorist and underinsured motorist coverage as requirements to operate … Click here to read more

• Minnesota Auto Insurance Basics

  by Hayden Krueger

  When you register your vehicle in the state of Minnesota, you must be able to prove that you have established financial responsibility by purchasing insurance for your automobile. Each state requires proof of financial responsibility but some offer alternative methods such as posting a secured bond or putting up a certificate of deposit with the state treasurer. Minnesota requires coverage through a state approved insurance agency.

  While the basic levels of auto insurance coverage is pretty much the same in every state, it is the type of coverage and amount of liability insurance required that is what is different. The amount of your deductibles and the level of coverage you choose will all have a bearing on how much you will pay for the premiums on your automobile insurance. If you are unable to get insurance because you are a high risk, the state has a program that will help … Click here to read more

• Arkansas – Tips for Saving on Car Insurance

  by Hayden Krueger

  If you think that you have no alternative to the high cost of insuring your automobile, you will be surprised to find out there are ways to trim a few bucks off your policy. Even though you must keep the mandatory coverage that is required by your state, there are some tips that you can make use of when you purchase or renew your car insurance.

  Knowing what your coverage needs are is the first step in building the best policy at the best rates. If you know first off what the minimum amount of liability coverage that is required to drive in the state of Arkansas you can fill in the other areas where you feel you may need more or less coverage. By knowing what you need you can eliminate unnecessary and oftentimes costly coverage.

  If you want to save money, you better shop around. To get the … Click here to read more

• Arkansas Driving and Traffic Laws

  by Hayden Krueger

  Following the rules of the road in the state of Arkansas will keep you, your passengers and others on the road safe. Infractions range from not so serious to serious and the fines and consequences are assigned accordingly.

  Less serious traffic violations include failure to yield to an ambulance, police car or any emergency vehicle, parking violations, littering and failure to obey a traffic signal. Even though they are considered less serious in nature they still come with fines that could stay on your record and cause your insurance premiums to remain high for up to three years.

  More serious infractions include drinking and driving, speeding, leaving the scene of an accident, driving the wrong way on a one-way street and following too closely. Points are given for more serious violations and accumulated points will result in an increased severity of actions. You will receive a warning letter with 10-13 … Click here to read more

• Arkansas Auto Insurance Discounts

  by Hayden Krueger

  Driving in the state of Arkansas without car insurance is not an option. And you must carry the minimum amounts of liability determined by your state and when you start adding on additional coverage your premiums can start to add up. Not to worry, there are a number of discounts that you may qualify for that can save you money on your auto insurance premiums. Here are some discounts that you may be entitled to that could lower your rates.

  Combining Your Policies

  When you bring all of your insurance policies to one company you could qualify for a discount. Companies are always competing for your business so anything you do to increase their bottom line will help you out in the long run as well.  And having your car insurance in the same place as your home, health, life or rental insurance just makes it easier for you as … Click here to read more

• Arkansas – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  You may be surprised at the factors that your insurance company takes into consideration when they calculate your insurance rates. Many things are common sense and then there are other things that may not have even thought of as a reason to base your car coverage on. Here are some factors that the insurance industry takes into consideration when coming up with your premiums.

  The safer you drive the lower your rates will be. The first thing your insurance agent will ask you is if you have had any accidents or traffic tickets within the last three years. The number of accidents you have had, how many claims you have put in and the number of traffic violations you have been charged with during a three year period all play a big part in how much you will be paying for your car insurance.

  Your age and your location are … Click here to read more

• Arkansas Auto Insurance Coverage

  by Hayden Krueger

  When you register your vehicle in the state of Wyoming you must prove financial responsibility. Some states allow alternative methods but in the state of Arkansas you can only do this by purchasing automobile coverage from a carrier who is licensed to sell insurance in your state.
   
  Before you get the title and registration for your vehicle you must have proof of insurance to show the clerk at the Office of Motor Vehicles (OMV).  The insurance commissioner of each state determines the type and level of insurance liability that each driver must carry. And while there are six major areas of coverage available for your auto insurance needs, the state dictates the minimum liability coverage that you must have to drive in the state.

  Registered drivers in the state of Arkansas must carry $25,000 per person in bodily injury protection; $50,000 in bodily injury coverage per accident; and $25,000 for … Click here to read more

• Arkansas Auto Insurance Basics

  by Hayden Krueger

  Most car insurance coverage is the same in each state. The difference is what each state considers mandatory coverage for its drivers. The type of liability coverage will vary from state to state but you can choose any level of coverage you wish as long as you meet the minimum for your state.

  It is important to decide ahead of time if you are going to select coverage that is above the mandatory levels as this is only a part of the automobile insurance that is available to protect you and your family as well as others on the road. The amount of your deductibles and the level of coverage you choose will all have a bearing on the premiums you will pay for your automobile insurance.

  Your car insurance coverage breaks down into Automobile six major areas of liability: Bodily Injury, Property Damage, Personal Injury Protection, Collision, and Comprehensive, … Click here to read more

• Alabama – Tips for Saving on Car Insurance

  by Hayden Krueger

  Saving money on your car insurance is easier than you think. While you must keep the mandatory coverage that is required by law in your state, there are some tips that you can incorporate when you purchase you car insurance or next time you are up for renewal.

  The best place to start is to find out exactly what the types and minimum amounts of liability coverage that are required to drive in the state of Alabama. Once you are aware of what your base coverage requirement are it will help you to adjust your additional coverage needs accordingly.

  The best tip for saving on your insurance rates is to shop around. You will be surprised at how the rates may fluctuate for the same amount of coverage. Just make sure that you are purchasing your policy through a reputable insurer who is going to be there when you really … Click here to read more

• Alabama – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Your insurance company takes several factors into play when it comes to determining your car insurance rates. Many things are common sense and then there are other things that may not have even thought of as a reason to base your car coverage on. The following factors are some of the things that the insurance industry takes into consideration when coming up with your premiums.

  How is your driving record? That will be the first thing to be brought up by your insurance agent. The number of accidents you have had, the number of claims you have put in and the number of traffic violations you have been charged with during a three year period all play a big part in how much you will be paying for your car insurance.

  Next up is demographics. How old you are and where you live play a big part in how much … Click here to read more

• Alabama Driving and Traffic Laws

  by Hayden Krueger

  Alabama, as many states do, utilizes a point system in assigning disciplinary action for moving and non moving violations. As the points accumulate you will receive different levels of consequences that will escalate with the increase of points. These points will go against your driving record and can result in higher insurance rates that could last for years to come.

  Points assigned to the following violations are just an example of what you can expect if you do not follow the rules of the road. Reckless driving will result in 6 points, speeding 26 mph or higher will give you 5 points, driving on the wrong side of the road is 4 points, illegal passing of another vehicle will get you 4 points and driving too close to another vehicle will get you 3 points.

  As these points accumulate you can lose your license for different lengths of time. Within … Click here to read more

• Alabama Auto Insurance Discounts

  by Hayden Krueger

  It is against the law to drive without automobile insurance in the state of Alabama. But you may be able to save a little money with an array of discounts that are available for drivers in your state. There is a minimum amount of liability coverage that is required by law for your state, but when you start adding on to your coverage your premiums start to add up. Here are some discounts that you may be entitled to that could lower your auto insurance rates.

  Multi Car Discount

  If you have more than one vehicle you can qualify for this discount right off the bat. The multi car discount applies as long as you insure all of the vehicles under the same policy and all of the drivers live in the same household.

  Factory Installed Features

  If you have a vehicle that has factory installed anti lock brakes, especially … Click here to read more

• Alabama Auto Insurance Coverage

  by Hayden Krueger

  If you are a registered driver in the state of Alabama you have three ways that you can prove financial responsibility. You can purchase automobile insurance through a registered agent, obtain a motor vehicle liability bond in the minimum amount of $50,000 or purchase a certificate of cash bond for not less than $50,000

  The mandatory insurance coverage through an auto insurance carrier is dictated by the insurance commissioner of each state. There are six major areas of coverage available for your auto insurance needs, but your state will dictate the minimum amount of liability coverage that you must have to drive in the Alabama.

  When you register your vehicle, you are committing to carrying insurance coverage in the following areas: $25,000 bodily injury liability for one person involved in an accident; $50,000 for all injuries in one accident; and $25,000 for property damages in one accident. These amounts are … Click here to read more

• Alabama Auto Insurance Basics

  by Hayden Krueger

  It is mandatory in every state to be able to show financial liability, not every state requires you to do this by purchasing automobile insurance. Some states allow you to post a bond or financial certification in the same amount of the mandatory coverage in the state. But if you are purchasing automobile insurance there is some basic information to keep in mind.

  Basic auto insurance coverage is pretty much the same in every state. The type and amount of liability insurance required is what is different in each state. The amount of your deductibles and the level of coverage you choose will all have a bearing on the premiums you will pay for your automobile insurance.

  Automobile insurance consists primarily of six major areas of liability: Bodily Injury, Property Damage, Personal Injury Protection, Collision, Comprehensive, Uninsured Motorist, and Underinsured Motorist coverage.

  It is the Insurance Commissioner in each state … Click here to read more

• Missouri – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Insurance companies take into consideration a number of factors when determining your car insurance rates. There are some things that you really don’t have much control over, but there are some things that the insurance companies use as a gauge for your insurance rates that you can change. Here are some of the major factors that are used to increase or decrease your rates.

  The first thing your insurance agent will ask you is if you have had any tickets or accidents in the last three years. This is the number one cause of higher rates. The amount your insurance will increase after an accident depends on your previous driving history, how severe the accident was, who was at fault, the number of claims you have submitted in the past, and the policy of your insurance company.

  Next up is your age. Records show that young drivers between the ages … Click here to read more

• Missouri – Tips for Saving on Car Insurance

  by Hayden Krueger

  Is there anything at all that you can do to save money on the high cost of car insurance? There are actually some things you can do to pay less on automobile insurance in Missouri. Check out the following money saving tips.

  Acquaint yourself with all of the details of the six forms of insurance coverage. Then find out what the minimum coverage is that you must have on your vehicle to drive in the State of Missouri. You only have to carry bodily injury and property damage in your state. The state has set minimums that are required by you may want to choose a higher level as well as other types of coverage. 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.

  Shop around – that is the number one way to … Click here to read more

• Missouri Auto Insurance Discounts

  by Hayden Krueger

  With the cost of auto insurance increasing every year, you probably feel like you have no choice. You have to have auto insurance coverage o drive in Delaware, but there are some discounts that are available through your insurance company. Not all companies offer these discounts but the best thing to do is ask your agent.

  Multi Car Discount

  If you insure more than one vehicle on your policy, you may be eligible for a multi car discount. By sharing at least two vehicles among residents of your household you could cut the premiums you pay for bodily injury, property damage, medical payments, comprehensive and collision.

  Combine your Insurance

  Some companies will give you a discount if you have your car insurance, life insurance, homeowners or renters insurance and sometimes even health insurance with their company.

  Safe Drivers

  If you have had no chargeable accidents in the past three years, … Click here to read more

• Missouri Driving and Traffic Laws

  by Hayden Krueger

  Fines and tickets for breaking the rules of the road vary from state to state, but most of the main guidelines apply. Listed below are the driving and traffic laws that pertain to drivers in the State of Missouri.

  First, it is against the law in Missouri to drive on the roads without car insurance. If you do not have the minimum liability and property damage coverage required by law you could get your license suspended. If you do not have proof of insurance on you when you are stopped by an officer of the law, the firs offense will get you a suspended license for sixty days, second offense is a one year suspension, and two year suspension applies to offenses past that.

  Moving violations in the state of Missouri will get you points on your license. If you receive 8 points within an eighteen month period you will … Click here to read more