Auto Insurance Guide Archive for 2009

  • Washington Auto Insurance Discounts

    by Hayden Krueger

    Automobile insurance costs seem to rise every year. Here are some ways that you might be able to save a few bucks on your car insurance policy.

    First check around and get several quotes. Not all insurance companies will offer you the same rates. Gather all of your information about your vehicle and the current coverage that you carry so it will be faster and easier to compare prices.

    Check and see if they offer a multi-vehicle discount. If you have more than one car on your policy you can get a discount for insuring all of the vehicles in your household.

    If you are a good student or you have a good student in your household that will be insured on your policy, some companies offer this discount as an incentive to keep good grades.

    Factory installed air bags are usually a factor in reduced rates as are any … Click here to read more

  • Washington Auto Insurance Basics

    by Hayden Krueger

    When you drive your vehicle in the state of Washington, with just a few exceptions, you must have automobile insurance coverage. This insurance must be in place to protect you and other drivers in the event of an accident. And depending on the coverage you choose, it can also protect you if your vehicle is stolen, vandalized or experiences fire damage.

    The vehicles that do not require insurance coverage in the state of Washington are antique cars, any collectible vehicle that is 30 years old or older, publicly owned or state vehicles, and Washington Utilities and Transportation Commission common or contract carrier.

    If you are required to carry automobile insurance and are found to not have coverage, you will be fined $450 for having no insurance.

    There are six major areas of coverage for automobile insurance. The minimum levels of coverage vary from state to state. In general, these areas … Click here to read more

  • New York – Tips for Saving On Car Insurance

    by Hayden Krueger

    If you are looking for car insurance in New York there are many factors that come into play in deterring your annual premiums. City dwellers will certainly pay more for to insure their vehicles than suburbanites. But you don’t have to just sit down and take it. There are things you can do to save money on your car insurance in New York.

    Raising your deductibles can mean an annual savings of up to 10% a year. Increasing your deductible from $250 to $500 might result in a substantial rate decrease. But make sure you know where to spend the money and where to save it. If you raise your premium to a higher amount now to save a little, you may have to spend more in the long run.

    Make sure you have the mandatory coverage required by the state of New York but then select additional coverage according … Click here to read more

  • New York – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Even though most people in New York City rely on taxis and subways for much of their transportation needs, there are many people in the city and suburbs that own a vehicle and have to deal with the rising costs to insure their car or cars. There are many factors that come into play when determining car insurance rates in New York. Some of them you may already be aware of but others you may be surprised to find out about.

    Where you live in New York has as much to do with the cost of your car insurance as the amount of time you are on the road. You may pay less if you live in the suburbs and yet drive more than someone who lives in the city. The amount of people in a small area, the amount of traffic and the addition of a higher crime level … Click here to read more

  • New York Auto Insurance Coverage

    by Hayden Krueger

    While mandatory automobile insurance coverage requirements vary across the country, New York has its own set of established coverage minimums that must be adhered to. Knowing what you must have when you sign up for car insurance in your area will give you a good head start in putting together the most comprehensive coverage.

    First up is bodily injury and property damage limits. The state of New York requires a minimum of $25,000 per person for bodily injury, $50,000 for two or more people that have been injured in one single accident, and $15,000 towards property damage as a result of an accident. These are the minimums but you may want to increase your coverage accordingly.

    Uninsured and or underinsured motorist coverage is optional in many states but it is mandatory in New York. This coverage includes payment for medical expenses, damages and lost income to you or other household … Click here to read more

  • New York Driving and Traffic Laws

    by Hayden Krueger

    If you are a New Yorker, you probably already know the traffic and driving laws for your state. But if you are moving to the area, or planning on a trip to the big apple, you should take a minute and acquaint your self with some of the rules of the road in the great state of New York.

    There is really not a big chance of speeding when you are in the heart of the city as traffic congestion usually takes precedence. But if you are able to make a break, remember, they have police officers that are more mobile than what you may be used to.

    Speeding accounts for nearly 30 percent of the fatalities in accidents involving New York drivers. Points are issued for speeding violations ranging from 3 to 11. Your license will be suspended when it reaches 11 points. Speeding tickets in New York can … Click here to read more

  • New York Auto Insurance Basics

    by Hayden Krueger

    New York city is known for its major traffic jams, overflow of cab drivers and a regular influx of visitors and tourists. The suburbs are not quite as congested but they have their share of fender benders. So what do you look for when you are purchasing car insurance? Here are the basics of New York auto insurance.

    Besides protecting you and your family in the event of a car accident, auto insurance is purchased to cut your financial liabilities that are a result of someone stealing your car, someone breaking into your car, or anything other than an accident that results in damage to your car.

    New York mandates the minimum amount of liability coverage you are required to carry. If you still have financing on your vehicle, your lender will require you to provide proof of insurance coverage. If you do not do this, appropriate coverage will be … Click here to read more

  • New York Auto Insurance Discounts

    by Hayden Krueger

    New York is one of the states that has higher auto insurance rates. And every year it seems that the rates just keep getting higher and higher. What can you do to cut down on some of these increases? Try asking your insurance professional if the following discounts are available on your next policy.

    Many companies reward their safe drivers with a discounted rate. If you have not had an accident in the past three years, you may qualify. Some even extend a discount to loyal customers who have been insured by their company for several consecutive years.

    The more safe and reliable you can make your car, the more discounts you will receive. It is worth the effort to get anti-theft and or alarm systems added to your car. This one time investment will provide you with discounts for as long as you have your car. Tracking devices such … Click here to read more

  • Florida – Tips for saving on car insurance

    by Hayden Krueger

    Car insurance is required if you are planning on driving on the streets and highways of Florida. And it seems as if the costs are always going up, never down. Here are some tips to start to reverse that trend and get you on your way to saving money on your car insurance.

    Combine your car insurance with your life insurance, renter’s insurance or homeowners insurance if you can. Putting all of your insurance needs under one roof qualifies you for a discount with many insurance companies.

    Keep a good handle on your credit score. Make sure that there are no errors in your report that could be costing you extra in your premiums. And by the same token, make sure that you notify your company if and when your credit score improves. The higher the score, the lower your premiums will be.

    You can increase your deductibles in areas … Click here to read more

  • Florida Auto Insurance Coverage

    by Hayden Krueger

    Automobile insurance coverage requirements and recommendations vary from state to state. What is mandatory in some states may not be in another state. Florida has its own mandatory coverage’s and they are listed below.

    The amount of bodily injury liability required in Florida is $10,000 for injuries to a one person and $20,000 to two or more people per accident. Bodily injury liability is the highest amount your insurance company will pay for injuries or death due to an accident. Other higher amounts are available in increasing increments, from $50,000 to $100,000 per person and from $100,000 to $300,000 for two people who are injured in the accident.

    Property damage coverage is required in the amount of $10,000 per accident. Property damage covers damages to the property of others or on their property (knocked down fence, light pole that has been hit, etc.)

    While this liability coverage is mandatory at … Click here to read more

  • Florida – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Trying to find the best insurance rates can be a daunting task. After awhile it all seems to blend together and you’re really not sure if you are actually getting a good deal or not. And sometimes, you won’t know until it is too late. You shouldn’t sacrifice coverage because the rates are too high. So what exactly determines the costs of auto insurance in the state of Florida?

    To begin with, you should always find out ahead of time what method your carrier uses to determine the value of your car if it is totaled in an accident. Being beyond repair, an insurance company will figure out what your car is worth in one of three ways: researching the market value, going through quotes from vendors, or the traditional “Blue Book.” If your insurance company is unable to replace your vehicle from a nearby source, you may pay in … Click here to read more

  • Florida Driving and Traffic Laws

    by Hayden Krueger

    Whether you are a visitor to the state of Florida, a seasonal resident or a permanent native, knowing the rule of the road can save you a lot of stress – and money – in the long run. Some traffic officers may be kind enough to let you off with a warning, but why take the chance of having to pay a stiff fine for something you could have prevented from the start.

    First, pay close attention to the speed limits as they can change quicker than you think. As a rule, the fastest you can go on regular in-town street in Florida is 30 mph. Check around for school zones as it drops to 20 mph and is heavily enforced. Construction zones also have lower speeds and signs will notify you that failure to adhere to these limits while men are working on the streets will result in twice … Click here to read more

  • Florida Auto Insurance Discounts

    by Hayden Krueger

    The combination of visitors and tourists to the Sunshine State along with the number of retired drivers on the road have made Florida auto insurance become more costly every year. Some residents struggle to keep up. What can you do to make sure you have enough coverage in case you need it? The following are some discounts that may help you make ends meet.

    Multiple car discounts will give you a good head start to lower rates. If you have more than one vehicle in the household, having them all insured by the same company will get you a lower overall rate.

    Some companies will give you discounts if you tie in your other insurance needs with your car insurance. Taking out renter’s insurance, homeowner’s coverage or even life insurance with the same carrier can cut your costs without sacrificing your coverage.

    Check around for insurance companies that may offer … Click here to read more

  • Florida Auto Insurance Basics

    by Hayden Krueger

    With the influx of visitors to the state of Florida, accidents not only can happen, they do on a regular basis. The sunshine state is a mecca for a regular influx of tourists, vacationing families and college students on spring break. You may want to update yourself on exactly what car insurance levels are mandatory and which ones you may want to definitively put into effect right away.

    You must have adequate insurance coverage to protect you, your family and your vehicles from damage caused not only by accidents but from other causes. Theft and vandalism may occur but living in a state with a hurricane season, “natural disasters” have a better chance of damaging your car.

    You must carry the minimum amount of liability coverage mandated by the state of Florida. If you still owe money on your vehicle, the lending facility will require you to provide proof of … Click here to read more

  • North Carolina Auto Insurance Discounts

    by Hayden Krueger

    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 North Carolina 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.

    Combining Your Policies

    The term is bundling and 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 car insurance: life, health, homeowners, rental and property insurance. The best part is having everything under one … Click here to read more