Auto Insurance Guide Archive for 2009

  • Arizona Driving and Traffic Laws

    by Hayden Krueger

    A study conducted by Allstate shows that Arizona has some of the safest drivers in the country. If you are moving to the state, it is important to get familiar with the traffic laws as soon as possible, so you can join the ranks of safe drivers. By maintaining a good driving record, you can also save on auto insurance rates that tend to be higher in Arizona than in other parts of the country. This article will give you a few pointers about driving in Arizona, so you can be prepared for what lies ahead.

    Show your License Plate

    One of the newest laws in Arizona states that drivers must make their license plates clearly visible. This law was put into effect specifically to address problems with license plate covers that hide part of the plate itself. It is important to keep this regulation in mind when heading to … Click here to read more

  • Arizona Auto Insurance Discounts

    by Hayden Krueger

    Auto insurance can be an expensive purchase today, but discounts are an excellent way to save a few bucks every month. Many people don’t benefit from all the discounts they could because they don’t know where to look. This article will cover some of the best places to find auto insurance discounts in Arizona. You can reap the benefits whether you are renegotiating your current policy or shopping for a new company.

    Multiple Auto Discount

    This is one of the most common discounts available for auto insurance. Many companies will insure two cars almost as cheaply as a single vehicle. You can also save by getting your auto insurance with the same company as your homeowner’s insurance. Always ask about the savings involved with insuring more than one car at the same time.

    Purchase in Bulk

    Some people think it is better to get a new insurance policy every six … Click here to read more

  • Arizona Auto Insurance Coverage

    by Hayden Krueger

    Auto insurance is required for drivers in all 50 states. A policy is a must if you are in an accident or your car suffers damage through another event. However, many people become quite confused when they begin shopping for car insurance, because of the many terms and components involved in the policies. This article will help you make sense of the various auto insurance coverage options available in Arizona so you can make the best insurance choices for your needs.

    Coverage for You

    The first type of auto insurance coverage to consider is protection for you if you are injured in an accident. This type of coverage is called personal injury protection or PIP. Coverage will pay for medical expenses you incur and even make up for wages lost while you are out of work. However, many people already carry sufficient coverage through their health insurance and disability policies. … Click here to read more

  • Arizona Auto Insurance Basics

    by Hayden Krueger

    Car insurance is one of the necessary evils of life, and knowing how to shop for the right car insurance for your needs will ensure you enjoy complete coverage for the best price. There are a number of components to a car insurance policy and it is important to know what each one means and how it covers you in the event of an accident or damage to your vehicle. This article will cover the primary components of auto insurance, including specific requirements for the state of Arizona.

    Bodily Injury and Personal Property Liability

    This part of your auto insurance policy covers you if you injure another person or someone else’s property while driving your vehicle. Liability coverage is required in all 50 states, including Arizona. In fact, the minimum requirements according to Arizona state law are $15,000 per injured person for bodily injury liability and $10,000 for property damage. … Click here to read more

  • California Auto Insurance Coverage

    by Hayden Krueger

    Whether you are already a resident of the state of California or you just relocated, you should make yourself aware of the mandatory auto insurance coverage required by the state. These amounts have been determined to adequately protect you, your family and others who drive on the streets and highways of California.

    California has deemed it mandatory to require bodily injury and property damage coverage as part of your car insurance coverage. The bodily injury limits are the highest amount that your insurance company will pay out if you were to cause bodily harm to someone or even death from the effects of an accident. And the property damage limit is what your insurance company will pay for damages to that may have occurred to another person’s car or property from an accident that you may have caused.

    Drivers who live in the state of California must carry a minimum … Click here to read more

  • Texas – Tips for Saving on Car Insurance

    by Hayden Krueger

    There are so many factors that go in to determining your auto insurance rates. Every state has their minimum requirements, but there are still things you can do to cut down on rising car insurance costs.

    Shop around until you find an agent or company that can give you the coverage that you need at a good rate. Check out all the major insurance companies and start comparing rates for the same coverage. You may be surprised to learn that you have been paying more all along. While many companies boast about how much they can save you, let them prove it. Use the power of the internet and make multiple comparisons all at one time.

    While single unmarried men under the age of 21 pay the highest insurance rate, check with your company to see if you qualify for any discounts if you are over the age of 50.… Click here to read more

  • Texas Auto Insurance Coverage

    by Hayden Krueger

    The state of Texas has certain requirements for all of its drivers. There are certain minimum requirements that are put into place to protect you, your family and other drives on the road in the event of an accident.

    Texas requires liability coverage as a mandatory part of your auto insurance coverage. The law requires you to carry bodily injury coverage which is what your insurance company will pay out if you were to cause bodily harm to someone or even death from the effects of an accident. The property damage limit is what your insurance company will pay for damages to another person’s car or property through an accident that you are responsible for.

    Texas drivers must carry a minimum of $20,000 coverage for bodily injury to one person in a single accident or $40,000 for everyone that was hurt in the accident and property damage coverage of $15,000.… Click here to read more

  • Texas Auto Insurance Basics

    by Hayden Krueger

    Car insurance is required by every state with the only difference being the amount of coverage required in each area. The main purpose of automobile insurance is to protect you and your family in case of an accident that you may have caused or been involved in as a result of someone else’s negligence.

    The state of Texas requires their drivers to purchase the minimum amount of liability coverage while driving on the highways and byways in Texas. Other forms of coverage are also available and may be beneficial to protect you and your family even farther.

    If you still have an outstanding loan on your vehicle the lending company requires that you maintain adequate coverage for the vehicle until it is paid in full. If you do not provide proof of this insurance, the lending company will put an insurance policy in place and charge you for it in … Click here to read more

  • Texas Driving and Traffic Laws

    by Hayden Krueger

    Whether you were born and raised in Texas or you are a new resident, everyone should know the traffic and driving regulations where they reside. Most of them are common across the country – speeding, seat belts, car seats etc., but the variations from state to state are what you need to remember.

    In Texas, the maximum speed limit is 70 mph for cars and light trucks that travel on all of the numbered highways in rural areas during the daytime hours. Nighttime travel means not going faster than 65 mph. Most other urban freeways have speed limits that range from 55 mph to 70 mph.

    Seat belt laws are in full effect in Texas with front seat occupants required to be buckled up while driving in cars and smaller trucks. All children under the age of four must be secured if they sit in the front or back of … Click here to read more

  • Texas Auto Insurance Discounts

    by Hayden Krueger

    Texans like to do everything in a big way. And so it is with their auto insurance needs. There are a number of discounts that can be used to bring your rates down. Check out these ways to save some big bucks next time you are in the market for more competitive auto insurance rates.

    Texas drivers join California drivers as the first drivers to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.

    When you combine your insurance needs into one company you will get instant savings. Having your car, renters, mobile home, homeowners, and life insurance all with one company will simplify your life as well as reduce your rates. Some companies will even give you a new customer discount to start your homeowners insurance … Click here to read more

  • Texas – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Although there are so many factors that affect car insurance rates all across the country, many are common practice and some are specific just for automobile drivers in Texas. Knowing what you are looking for will help you make better decisions when purchasing your car insurance or when shopping around for a better rate.

    You should check out exactly how your insurance company determines the value of your car if it is beyond repair and it is considered to be totaled? The value is confirmed through computerized quotes from automobile vendors, general market research and the trusty Blue Book. Your insurance company will usually come to a fair and reasonable price for your vehicle. But there may be a problem if they cannot find a comparable replacement from a nearby dealer. The further away they must travel to replace the vehicle, the more it may cost you.

    Although 29 states … Click here to read more

  • California – Tips for Saving on Car Insurance

    by Hayden Krueger

    Increases in car insurance rates are a problem across the country. There are so many factors that go in to determining your auto insurance rates what are the things that you can actually do to save money on your annual premiums? Every state has their minimum requirements, and even if they didn’t, not having car insurance is not a sensible option. Here are some solid ways that you can save money on your car insurance.

    Shop till you drop. Check out all the major insurance companies and start comparing rates for the same coverage. You may be surprised to learn that you have been paying more all along. Many companies boast about how much they can save you, let them prove it. And with the power of the internet, you can make multiple comparisons at one time.

    Changing your deductible from $250 to $500 can mean as much as a … Click here to read more

  • California – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    There are so many factors that affect car insurance rates all across the country. Some are universal and yet some are specific for California residents. Becoming familiar with these factors will help you make better decisions when purchasing your car insurance or when shopping around for a better rate.

    First up is verifying how your insurance company determines the value of your car if it is beyond repair and agents have signed off on it as totaled? The value is confirmed through computerized quotes from automobile vendors, general market research and the trusty Blue Book. The good news is they will be able to come to a fair and reasonable price for your vehicle. The problem lies only if they cannot find a comparable replacement from a nearby outlet. The further away they must travel to replace the vehicle, the more it may cost you.

    Auto insurance companies in California … Click here to read more

  • California Driving and Traffic Laws

    by Hayden Krueger

    Rules of the road vary from state to state. If you are a resident of California you may already be aware of the driving and traffic laws in your state. But if you are new to the area or are thinking of visiting in the near future, here are some things to remember as you take to the California highways.

    There is a Basic Speed Law in place in California. What this means is that no matter what the speed limit is, you must not drive faster than it is safe to under the current conditions. So, even if the speed limit is 55 mph and you are driving at 45 mph because there is a dense fog, you could still get a ticked for going too fast for these conditions.

    In general, the maximum speed limit is 65 mph on most of the highways in California. For two –lane … Click here to read more

  • California Auto Insurance Discounts

    by Hayden Krueger

    Californians are people who are usually on the cutting edge. This seems to be true with regards to their automobile insurance. There are a number of discounts available that are specific to drivers in the great state of California. Check out some or all of these to start reducing your insurance premiums.

    California drivers are the first ones to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.

    Combining your insurance needs into one company will give you instant savings. And having your car, renters or homeowners, and life insurance all with one company will simplify your life as well as reduce your rates.

    Young drivers who have less than nine years of driving experience and still live at home with their parents may qualify for a … Click here to read more

  • California Auto Insurance Basics

    by Hayden Krueger

    Carrying just the right amount of auto insurance coverage takes some prior knowledge of the facts and requirements in the state of California. There are some things that are mandatory and there are some things that are just common sense.

    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 (PIP), Collision, Comprehensive, Uninsured/Underinsured motorist’s coverage. Some of these coverage’s are mandatory in the state of California. Liability insurance is one that is required by the state.

    California requires you to carry the minimum amounts of liability insurance set by the state. You may certainly want to include other coverage options depending on your needs for you, your family and your vehicles.

    Bodily injury liability covers any damages that you may have caused another person if … Click here to read more

  • Washington – Tips for Saving on Car Insurance

    by Hayden Krueger

    It seems that insurance rates just keep going up every time you get that renewal policy. There are ways that you can save on your insurance. Try some or all of these to pay less for your policy the next time it rolls around.

    Keep your car in the garage. Parking your vehicle on the streets is looked at as more of a risk to most insurance companies. By the same token, some companies give a discount if you keep your car in your garage.

    You may be eligible for some savings if you take and pass a defensive driving class.
    The classes are put on through the DMV and also online. The cost of the class may far outweigh the savings you may realize on your insurance policy.

    Keep your claims down by handling any little fender benders you may have. Generally, if your damages are less than what … Click here to read more

  • Washington Auto Insurance Coverage

    by Hayden Krueger

    Mandatory automobile insurance coverage varies from state to state. All automobiles in the state of Washington must have an insurance liability policy to protect themselves and others in case of an accident. If you do not purchase auto insurance, you are required to have a certificate of deposit or a liability bond equal to the levels of liability coverage required by the state of Washington.

    The liability minimum requirements are $25,000 for injuries to any one person per accidents; $50,000 in injuries to any other people pre accident, and $10,000 to cover damages to someone else’s property.

    If you do not carry insurance coverage for your vehicle, you must purchase a bond in the same amounts as the liability coverage or maintain a certificate of deposit in the amount of $60,000 with the Office of the State Treasurer.

    You must have proof of insurance available if you are pulled over … Click here to read more

  • Washington – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    There are so many elements that go into determining car insurance rates in general. The type of vehicle you drive, your driving history and number of claims you have submitted in the past and the safety features that are included on your car all have a bearing on how much or how little you will have to pay for your insurance.

    But there are additional factors for Washington drivers to pay attention to regarding their rates. Some you may not even have thought about when you last insured your vehicle. And sometimes we don’t even know about these factors until they come up, like when you have an accident and realize what is really covered and what is not.

    What if Your Car is Totaled?

    If your car insurance wants to total your vehicle after an accident, find out how they determine the value of your car in order to … Click here to read more

  • Washington Driving and Traffic Laws

    by Hayden Krueger

    When you take your first driving test, you receive a driver’s manual that tells you all the rules of the road while you are driving in Washington. As years go by, you may have forgotten some of them and/or not been familiar with the consequences. Here are the major driving and traffic laws in effect in the state of Washington.

    Driving under the influence -you are considered guilty if you register an alcohol level of 0.08 or higher after a two-hour period. This law also includes drug use and in either case is a felony. The appropriate punishment depends on your prior driving history.

    Driving without a valid drivers license or a suspended license was a misdemeanor up until January 1, 2009. It is now considered a traffic infraction. Driving without proper liability insurance is also considered a traffic violation and subject to a fine. And you may be fined … Click here to read more