Auto Insurance Guide Archive for 2009

• Kansas – Tips for Saving on Car Insurance

  by Hayden Krueger

  As is well known, the mandatory auto insurance coverages in Kansas State are much higher than the other states in the United States. Hence, the average insurance rates in this state vary between $1,000 and $3,000 for a male in Wichita, while it is between $600 and $2,000 for a female on an average. In Garden City, for a male the rates vary from $$1,000 and $3,500 and for a female, the rates are in the range of $700 to $2,500. In Topeka, the rates for male are between $1,000 and $2,500, while for a female, the rates vary from $700 to $2000. These rates had been computed for a 16-year old driver, single, male/female that drives the vehicle for more than 50% of the driving time but drives less than 7,500 miles in a year. The car could be a Chevrolet Impala of 2006 model. The coverages include the … Click here to read more

• Kansas – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Compared to other states, several factors affect insurance rates in Kansas State adversely. The coverages required statutorily under the Kansas insurance laws are quite large. The standard 25/50/10 coverage is necessary for personal injury liability and property damage, PIP coverages of more than $12,000 are also needed, and uninsured/underinsured motorist coverage of 25/50 are compulsory under the insurance law in Kansas State. Hence, the auto insurance rates are already comparatively higher in this state. Several other factors also influence the insurance premium rates quoted by the auto insurance companies in Kansas State. 

  The most important factors that are scrutinized by insurance companies when you apply for the purchase of insurance coverages are as follows. 

  • The age of the driver and other members in the household
  • Marital status and gender of the driver and other family members
  • The driving record of the applicant and other household members included in the application

  … Click here to read more

• Kansas Driving and Traffic Laws

  by Hayden Krueger

  According to the Kansas State driving laws, persons above the age of 16 would be able to obtain unrestricted driver’s license, if they are able to prove through an affidavit that they had completed a minimum of 50 hours of practice driving. This practice driving should be under the supervision of a person above the age of 21 with a valid driving license. Further, out of these 50 hours, at least 10 hours should include driving at night under supervision. If no affidavit is provided, the restrictions for license would continue until the driver reaches the age of 17. Further, if there are two or more traffic violations during this period, the license would become restricted until the age of 17.

  Even though the Driver’s License Bureau in Kansas State would not require an actual log for the 50 hours of driving, it would be better to maintain a log, … Click here to read more

• Kansas Auto Insurance Discounts

  by Hayden Krueger

  When we think about auto insurance, we should also consider unpleasant incidents like auto accidents, bodily injuries, and even fatalities. These factors could neither be ignored nor taken lightly. If you do not have auto insurance coverage and such things happen, then you might be financially ruined by the huge amounts that you might have to shell out as compensations. However, auto insurance coverages would protect you from all unforeseen eventualities.

  In the state of Kansas, the coverages that an auto driver should statutorily purchase are much more than many other states in the United States. Apart from the standard 25/50/10 coverage for personal injury liability and property damage, PIP coverages of more than $12,000, and uninsured/underinsured motorist coverage of 25/50 are compulsory under the Kansas insurance law. All these would amount to a huge burden on your monthly budget and the monthly insurance premium payment would be quite substantial, … Click here to read more

• Kansas Auto Insurance Coverage

  by Hayden Krueger

  Several types of coverages are available in Kansas State but you should understand the details of at least the major coverages that would protect you. Further, certain coverages had been made compulsory by the state and you should purchase them if you wish to drive any vehicle in the state of Kansas.

  The official website of Sandy Praeger, Kansas Insurance Commissioner, states that the following coverages are statutorily required.

  According to Kansas auto law, every car insurance policy sold in Kansas should have the following minimum coverages:

  The liability coverage should be $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage. Further, each policyholder should have minimum coverage of personal injury protection or PIP under no fault. The coverage should be $4,500 per person for medical expenses, $900 per month for a year for loss of income or disability, $25 … Click here to read more

• Kansas Auto Insurance Basics

  by Hayden Krueger

  In Kansas State, the insurance industry is regulated by the Kansas Insurance Commissioner. The current Insurance Commissioner is Sandy Praeger. She is maintaining a website, http://www.ksinsurance.org/consumers/autoinfo.htm, to help the drivers in the state about all insurance related matters. Certain auto insurance basics related to that state are presented here for your knowledge.

  When you apply for auto insurance, the insurance company takes two factors into account. They are underwriting and rating. When the insurance company considers your auto insurance application, it would consider several factors related to you and your driving habits. The insurance company could either accept or reject your application. If the company approves your requests for insurance coverage, it would offer you a premium quote. The quote would be based on your driving history, the geographic area that you live and drive around, the make and model of your car, the average distance that you would drive … Click here to read more

• Michigan – Tips for Saving on Car Insurance

  by Hayden Krueger

  The state of Michigan is one of the thirteen states that follow the no fault system of rules. Every other state follows the tort system of rules. In the no fault system, every person or driver is paid for the damages incurred in case of an accident by his insurance company. This payment must be done irrespective of whose fault the accident was. However, most people do not want to pay for damages that are not their mistakes. Hence, the not at fault party is allowed to sue the at fault part in case the damages go beyond a pre defined limit. The pre defined limit changes from state to state.

  The state of Michigan has also made auto insurance mandatory and fixed the minimum liability amounts. The minimum amounts are twenty thousand dollars for bodily injury per person and forty thousand dollars for bodily injury in total per accident. … Click here to read more

• Michigan – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  The state of Michigan, similar to many other states, has made auto insurance mandatory to ensure each driver is paid in case of an accident. Every driver must have enough finances to cover the damages after an accident. There are two types of systems, the no fault system and the tort system. The Michigan state follows the no fault system. According to the no fault system, the driver of a car is paid by his own insurance company in the event of an accident. This is irrespective of whose fault it is. However, the state of Michigan does not follows perfect no fault system. Every state has a few modifications to the no fault system. The person at fault can be sued for damages in case the cost of damages crosses a pre decided limit.

  The state of Michigan has fixed the minimum liability and the basic auto insurance one … Click here to read more

• Michigan Driving and Traffic Laws

  by Hayden Krueger

  The state of Michigan follows the no fault system of laws. This system of laws is in contrast to the tort system which says a person has to be found responsible. However, in Michigan no person has to be found at fault. According to his system, each driver is paid by his own insurance company in the case of an accident. Michigan is one of the thirteen states that follow this law. However, perfect no-fault laws cannot be followed as people do not want to pay for damages caused by other drivers. Therefore, the no-fault party is allowed to sue the at-fault party if the damages incurred exceed a pre decided amount.

  The state of Michigan has also made auto insurance compulsory for every driver on its roads. The minimum liability for bodily injury is for an amount of twenty thousand dollars per person and forty thousand dollars in total. … Click here to read more

• Michigan Auto Insurance Discounts

  by Hayden Krueger

  Almost every state in the United States of America has made auto insurance mandatory. Mandatory auto insurance ensures that in case of an accident, the driver of the car is paid for the damages caused to his car. There are two ways to decide who will pay for the damages. The two ways are known as the tort system or the no fault system.

  Michigan is a no fault state. According the no fault system, in case of an accident, a person’s auto insurance company will pay for his damages irrespective of who might have caused the accident. Michigan does not follow pure no fault system. People do not want to pay when the fault is another person’s. Drivers are allowed to sue the person responsible for the accident in case the damages cross a pre decided limit.

  Auto insurance has been made mandatory in Michigan. The state has fixed … Click here to read more

• Michigan Auto Insurance Coverage

  by Hayden Krueger

  The state of Michigan has written a set of rules and regulations to ensure all of its citizens live in safety and harmony. Each of these rules must be followed. Any violations will be dealt with harshly and the violator will be penalised. With the number of accident increasing with the number of vehicles on the road, the state of Michigan has made auto insurance mandatory. However, obtaining insurance in the state of Michigan is slightly tricky.

  The state of Michigan follows no fault system of rules. According to the no fault system, in case of an accident, every person will be paid by his insurance company for the damages caused irrespective of whose fault the accident was. This system, understandably, cannot be followed perfectly. People will not want to pay for damages when the responsibility of the accident is somebody else’s. There are thirteen states that adopt no fault … Click here to read more

• Michigan Auto Insurance Basics

  by Hayden Krueger

  There are a large number of motor vehicles on the roads today. Consequently, the number of accidents is increasing as well. If a person has been involved in an accident, the costs of covering damages caused during the accident will be very high. Hence, auto insurance has been made mandatory to ensure that each car in an accident will have an insurance company to pay for the damages.

  The person paying for the damages can either be the owner of the car or the person deemed responsible for the accident. The system of rules followed by the state will decide who pays for the damages. In a tort system, the person responsible for the accident will pay for the damages. In a no fault system, the damages will be paid for by the insurance company irrespective of the fault.

  The state of Michigan follows the no fault system of rules. … Click here to read more

• Maryland – Tips for Saving on Car Insurance

  by Hayden Krueger

  The two most congested cities in the United States are Baltimore and Washington D.C. The state of Maryland covers the region around these two cities ensuring that Maryland has some of the busiest roads in the country. Under such conditions, the chances of accidents are very high. Therefore, it is not surprising that the state of Maryland has imposed very strict auto insurance rules and regulations. The state of Maryland has made uninsured motorist’s coverage and personal injury protection mandatory along with minimum liability for bodily injury and property damage.

  The minimum liability in the state of Maryland is twenty thousand dollars per person for bodily injury and forty thousand dollars in total for bodily injury along with fifteen thousand dollars for property damage. The mandatory uninsured motorist’s coverage should be of the same amount as minimum liability and personal injury protection or PIP should be for an amount of … Click here to read more

• Maryland – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Maryland roads are some of the busiest in the country. Majority of the Maryland state is in and around the highly congested cities of Baltimore. With such high rates of traffic congestion, it is but natural that the state of Maryland has imposed stringent auto insurance rules. The state of Maryland has, apart from the minimum liability common in many states, has also made two other insurance overage policies mandatory. These are the uninsured motorist’s coverage and PIP or personal injury protection policy.

  The minimum liability for the state of Maryland is fixed at twenty thousand dollars per person for bodily injury and forty thousand dollars for bodily injury in total. Mandatory property damage coverage is for the amount of fifteen thousand dollars.

  Uninsured motorist’s coverage is for the same amount as minimum liability and Personal Injury Protection is for the amount of two thousand five hundred dollars. However, these … Click here to read more

• Maryland Driving and Traffic Laws

  by Hayden Krueger

  The state of Maryland has a major portion of its roads in and around the cities of Baltimore and Washington D.C.  These cities are the most congested cities in the United States. Thus, the roads of Maryland are very congested and see a lot of traffic. In such high traffic situations it is of utmost importance to ensure that a driver follows all the rules and regulations set by the government. These rules are written purely to ensure that each driver is safe on the road. Every driver must realise that any violations of these rules might endanger his life along with many other families. Violations of the law will be harshly dealt with.

  The state of Maryland follows the Tort system of rules. According to this system, in case of an accident, the person responsible for the accident must pay for all the damages caused due to the accident. … Click here to read more

• Maryland Auto Insurance Discounts

  by Hayden Krueger

  The roads of Maryland are some of the busiest in the country. Most of Maryland is around the two most congested cities in the country, Baltimore and Washington DC, this is understandable. Thus, the mandatory auto insurance coverage policies in this state are also very high. The minimum liability fixed by the state of Maryland is 20/40/15. This stands for twenty thousand dollars for bodily injury per person and forty thousand dollars for bodily injury in total covering two people. Property damage coverage for the amount of fifteen thousand dollars is also compulsory. But the state of Maryland differs from many other states as most states fix minimum liability and make no other policy mandatory.

  However, the state of Maryland has fixed two other policies PIP or personal injury protection and uninsured motorist’s coverage. Personal injury protection is the insurance policy that will pay for any lost wages in case … Click here to read more

• Maryland Auto Insurance Coverage

  by Hayden Krueger

  Every state in the United States has made auto insurance mandatory. It is of utmost importance to ensure you know all the rules and regulations written by a state before your drive in the state. Any violation can pout your and other families in danger. Auto insurance has been made mandatory for a simple reason. If a driver is on the road and causes an accident, he must be able to take responsibility for the accident and pay for all the damages he caused. Now the auto insurance company can pay for any damages he might cause. This is in accordance with the tort system of rules.

  Every state fixes a minimum amount, known as the minimum liability that a person has to be insured for. The state of Maryland has also fixed a minimum amount. It is of the form 20/40/15. This stands for a minimum of twenty thousand … Click here to read more

• Maryland Auto Insurance Basics

  by Hayden Krueger

  Every state must have a code written to ensure the safety of its motorists. Each of these rules has to be followed at all costs. Any violation will be severely penalised. Any driver violating these will be putting his life along with many others’s lives in danger.  One of the most important rules for the motorists today is the mandatory auto insurance rule. Auto insurance has been mandatory in most of the states in America. This is to ensure that each driver on the road is capable of paying of paying for the damages he might have caused if he is involved in an accident. 

  Every state must fix the minimum amount of insurance coverage a person must have. This is known as the minimum liability and it varies from state to state. In the state of Maryland the minimum liability is fixed at 20/40/15. This stands for a minimum … Click here to read more

• Maine – Tips for Saving on Car Insurance

  by Hayden Krueger

  Auto insurance has been made mandatory in many states and the state of Maine has followed suit. This rule is to ensure that every driver on the road today should be able to pay for any damages in case he causes an accident. This is in accordance with the financial responsibility laws. However, the state of Maine differs slightly in the fact that the minimum liability it has fixed is much higher than most of the states.

  The minimum liability fixed is a high fifty thousand dollars for bodily injury per person and a hundred thousand dollars for bodily injury in total. It is also mandatory to have property damage coverage for an amount of twenty five thousand dollars. Uninsured motorist’s coverage is not mandatory in most of the states. But it is mandatory in the state of Maine and so is a thousand dollars coverage for medical costs.

  These … Click here to read more

• Maine – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  The number of vehicles on the road is increasing everyday. The number of accidents is too. In such a scenario, the rule making auto insurance mandatory seems to be a godsend. However, auto insurance can be quite expensive. The state of Maine has fixed very high minimum liability.

  Minimum liability in the state of Maine is fixed at fifty thousand dollars per person for bodily injury and a hundred thousand dollars in total for bodily injury. It is also mandatory to get property damage coverage for an amount of twenty five thousand dollars. Though it is not mandatory in many states, the state of Maine has made Uninsured Motorist’s coverage necessary. It is also compulsory to get coverage for medical costs for an amount equal to a thousand dollars.

  These are just the minimum sums fixed. However, many people and the industry experts agree that adequate insurance coverage is of … Click here to read more