Auto Insurance Guide Archive for 2009

• Delaware – Tips for Saving on Car Insurance

  by Hayden Krueger

  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. Is there anything at all that you can do to save money on your car insurance? You may be surprised at the following tips that could save you some bucks on your next policy.

  The first thing is know the minimum coverage that you must have on your vehicle to drive in the State of Delaware. You must carry the three major forms 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 … Click here to read more

• Delaware – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are many factors that car insurance companies take into account when figuring out the rates they charge their customers. Some things you really have little to no control over, but there are some things that are factored in when determining your car insurance rates that just might surprise you.

  The major factor in how much you are going to pay for your insurance is 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.

  Demographics play another big part in your insurance rates. A married woman could pay less for her insurance than an unmarried … Click here to read more

• Delaware Driving and Traffic Laws

  by Hayden Krueger

  While the consequences for breaking the rules of the road vary from state to state, most of the main guidelines apply. The following driving and traffic laws pertain specifically to the State of Delaware.

  Delaware is one of 11 states who have made it against the law to drive aggressively. You will be cited for aggressive driving if you meet at least three of the following conditions: you failed to heed a traffic control device, passed on the right side, drove outside the lanes, made an unsafe lane change, followed another vehicle too closely, failed to yield the right of way and or were an immediate hazard to someone else or another vehicle.

  Children and infants under the age of seven and weighing less than 66 pounds must be in an approved child safety seat or you could be fined $25. Older children from age 8 to 15 must be … Click here to read more

• Delaware Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance rates are an important part of driving on the highways and roads where you live. 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 Delaware to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Take a Class

  You could reduce your premium on the three major liability coverages, property damage, bodily injury and personal injury, if you take a defensive driving course. The discount will apply as long as it is for a private vehicle and the main person or people who operate the vehicle successfully complete a state approved class.

  Keep Your Grades Up

  If you are a full time high school or college student under the age of 25, … Click here to read more

• Delaware Auto Insurance Coverage

  by Hayden Krueger

  The Insurance Commissioner of the State of Delaware has the mandatory insurance requirements for all Delaware residents. 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 Delaware you must carry the following insurance coverage on your vehicle: Bodily Injury Protection, Property Damage and Personal Injury Protection.

  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. And personal injury protection covers the medical expenses and loss of wages even if you were not responsible for the accident.

  The minimum amounts are the highest level that your insurance company will pay out for each level of coverage. For bodily … Click here to read more

• Delaware Auto Insurance Basics

  by Hayden Krueger

  Each state has its own mandatory insurance coverage that is required of their drivers. The mandatory coverage is only a part of the automobile insurance that is available to protect you, your family and other drivers on the road. Here 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 Insurance Commissioner in the State of Delaware requires drivers to carry three forms of liability insurance, bodily injury liability, property damage liability, and personal injury protection, or PIP.

  The minimums that are required are the highest amount that your insurance company will pay out due to injuries … Click here to read more

• Connecticut – Tips for Saving on Car Insurance

  by Hayden Krueger

  Believe it or not, there are some savings to be had in the battle of ever increasing car insurance rates. 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. Is there anything at all that you can do to save money on your car insurance? You may be surprised at the following tips that could bring you some savings on your next policy.

  The first thing is know the minimum coverage that you must have on your vehicle to drive in the state of Connecticut. Almost every state requires some form of liability but knowing what other levels are available and what your additional coverage options are is key to building a policy that fits your needs.

  As soon as you know what your car insurance needs are you can start shopping … Click here to read more

• Connecticut – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are many factors that car insurance companies take into account when figuring out the rates they charge their customers. Some things you really have little to no control over, but there are some things that are factored in when determining your car insurance rates that just might surprise you.

  One of the major factors in how much you are going to pay for your insurance is your driving record. If you have put through a lot of claims in the past, have been at fault in more than one accident and or have a number of traffic violations, you are going to pay more for your insurance coverage.

  A married woman could pay less for her insurance than an unmarried man because they take into consideration the risk factors of each class of driver. The drivers who are known to pay the most for their insurance coverage are teenage … Click here to read more

• Connecticut Driving and Traffic Laws

  by Hayden Krueger

  The consequences for breaking the rules of the road may vary from state to state but the actual rules of the road are pretty much the same wherever you go. You should know the driving and traffic laws in the state that you drive in as well as one you may be planning to drive through.

  Connecticut enforces their seat belt law and police officers can pull you over for not wearing a seat belt without having any other reason to stop you. The driver and all passengers in the front seat of the vehicle must wear a seat belt. Passengers in the back seat between the ages of 4 to 16 must also wear seat belts.

  Children and infants under the age of seven and weighing less than 60 pounds must be in an approved child safety seat or you could be fined $25. Infants under the age of … Click here to read more

• Connecticut Auto Insurance Discounts

  by Hayden Krueger

  While auto insurance coverage is an important part of driving on the highways and roads where you live it doesn’t mean you have to pay the highest rates for your coverage. 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 Connecticut to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

  Alternative Fuel Discount

  This is one of the most recent discounts. You could save money on your car insurance if you drive an electric, hybrid or any other vehicle that uses alternative fuel. Check with your agent to see if your company offers this discount.

  Anti Lock Brakes and Anti Theft Devices

  You could save some bucks on insurance if your car is … Click here to read more

• Connecticut Auto Insurance Coverage

  by Hayden Krueger

  Every state requires their registered drivers to carry the appropriate amounts of liability insurance. These levels of coverage are determined by the insurance commissioner and are mandatory. 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 Connecticut 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 $20,000 coverage for injuries of death of one … Click here to read more

• Connecticut Auto Insurance Basics

  by Hayden Krueger

  Every state has its own mandatory insurance coverage that is required 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. Here 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 Insurance Commissioner in the state of Connecticut requires their drivers to carry bodily injury liability and property damage liability. You must carry this coverage by law. Some states allow you to ensure your financial responsibility through other means but in Connecticut you must purchase coverage through a … Click here to read more

• Colorado – Tips for Saving on Car Insurance

  by Hayden Krueger

  Everyone wants to save money on their car insurance. Car insurance rates continue to keep going up year after year. You probably wonder if there is anything that you can do to save money on your car insurance. The following tips could help you save some money on your next policy. Try using more than one and you can see some big savings.

  Find out exactly what the minimum coverage is that you are required to carry for the state of Colorado. After you know the minimum that you must have, check the limits to see if you want to raise them or add additional coverage in other areas. Just remember that the minimum limits are the highest amount of money that your insurance carrier will pay out for each accident or incident. Knowing ahead of time exactly what your insurance needs are will help you get the best rate … Click here to read more

• Colorado – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  When insurance companies calculate the rates they are going to charge their customers there are a number of factors that come into play. Many of them you are probably already aware of but some may surprise you. You may want to check with your carrier regarding the following factors to see where their company stands.

  One of the first things an insurance agent asks is if you have had any citations or accidents in the past three years. That is because your driving record is probably the biggest factor as to how much or how little you will be paying for your car insurance.

  Your driving history will show the number of accidents you have been involved in, the number of claims you have submitted, no matter how big or small, and if you have any traffic violations. When you have an accident you could be paying for it for … Click here to read more

• Colorado Driving and Traffic Laws

  by Hayden Krueger

  When you are aware of the driving and traffic laws in the state of Colorado ahead of time it will keep you from making some costly mistakes. Following the rules of the road and 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 Colorado, as in most states, you are assessed points for a variety of traffic violations. The number of points that will result in a suspension of your license is different in every state. In Colorado it is actually broken up into different driving categories. If you are a minor, your license will be suspended with the accumulation of 6 points in a 12 month period; a professional driver will lose their license with 9 points within a year, and an adult driver will have … Click here to read more

• Colorado Auto Insurance Discounts

  by Hayden Krueger

  If you are concerned about the rising cost of insuring your vehicle, you are not alone. Insurance costs seem to just keep inching their way higher and higher, even if you haven’t had any accidents or claims. Legally it is mandatory to carry a certain amount of insurance just to drive on the streets and highways where you live. But there is some good news, though; here are some discounts available to drivers in Colorado that you may not even be aware of. Be sure to check with your insurance carrier to see if they include any of the following savings.

  Bundling Your Policies

  If you haven’t heard the term, bundling, all it really means is combining all of your insurance policies and bringing them to the same company. If you have one or more of the following types of coverage you may want to link them to your current … Click here to read more

• Colorado Auto Insurance Coverage

  by Hayden Krueger

  If you are a resident of the state of Colorado there are insurance requirements you must meet to drive on the roadways in your state. Every state requires you to have a designated amount of car insurance to cover you, your family and your vehicle. Mandatory coverage and minimums are set by the insurance commissioner of each state and it is illegal to drive on the streets and highways in the state of Colorado without at least the required coverage.

  In Utah, you have two options for financial responsibility. You must secure liability coverage through a licensed insurance agency, or if you do not purchase regular car insurance, you can provide proof of self insurance if you have at least 25 vehicles registered in your name.

  The state of Utah requires their drivers to carry the following liability coverage: $25,000 per person for bodily injury; $50,000 per accident for bodily … Click here to read more

• Colorado Auto Insurance Basics

  by Hayden Krueger

  Every driver who registers their vehicle in the state of Colorado must have the required automobile insurance coverage. Besides being the law, it is really a protective measure for you, your family and other drivers on the road. The basic components of car insurance break down into different areas of liability protection.

  Every state has its own mandatory requirements and levels of coverage. These levels are usually low and are the minimum amount that is required by law in your state. You may want to increase the amount of coverage to further protect yourself and your family.

  All totaled there are six major areas of coverage and then some extras that you may want to consider depending on your needs. The main coverage includes: bodily injury liability, property damage liability, personal injury protection or PIP, collision, comprehensive, and uninsured /underinsured motorist coverage.

  Your bodily injury coverage will take care of … Click here to read more

• Arizona – Tips for Saving on Car Insurance

  by Hayden Krueger

  Arizona is known for having some of the highest car insurance rates in the country. To ensure you are not paying too much in premiums, it helps to know how and when car insurance companies will offer discounts. We have the tips you need to save some serious money on your car insurance in Arizona without sacrificing coverage in the process.

  Shop Around

  It pays to shop around for your car insurance, especially with so many companies competing for your business. Companies can vary both in the premiums they charge and the discounts they offer. Make sure you are comparing apples to apples by inquiring about rates for similar deductibles. It also pays to find out just how many discounts you might qualify for with each individual company.

  Go for Multiple Policies

  Many insurance companies will offer discounts if you take out a policy on multiple vehicles. You can also … Click here to read more

• Arizona – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Car insurance is a necessity for all drivers, but premiums can cost a pretty penny if you don’t shop carefully for the best rates. There are many factors that can affect the cost of your insurance in Arizona, and tuning into these factors can help you name a better price. In some cases, you have control over how much these factors affect your premiums and other times you don’t. This article will cover the major factors that affect car insurance rates in Arizona so you can be a savvy insurance shopper.

  Factors You can’t Change

  There are two factors that will affect the price of your insurance that you have no control over whatsoever. These are your age and your gender. Females in the middle years of life are typically considered the safest drivers, so they receive the best premiums as a rule. Unfortunately, if you don’t fall into this … Click here to read more