Auto Insurance Guide Archive for 2010

  • Cheap Auto Insurance for Teen Drivers

    by Hayden Krueger

    Many articles have been written about teen drivers and their insurance rates. Your parents may have told you, how expensive it was to get cheap teen auto insurance, when they too were teen drivers. But as always, reactions can be overstated, after all, you’re not paying your own insurance as yet.

    There are no words to describe owning your car and driving it for the first time. The sense of freedom is overwhelming. However, most teenage drivers don’t realize that there are responsibilities beyond sitting and driving.

    Car insurance plays a crucial role in a driver’s life. This protects both him, and others, should car mishap happens. The insurance will cover, based on the policy, any expenses incurred from repairs and or medical bills. Since teenage drivers are notoriously known for their driving records, cheap insurance premiums for teenagers are hard to come by. Parents would know this, after all, … Click here to read more

  • Things you didn’t know about Delaware auto insurance laws

    by Hayden Krueger

    Everybody can find out the basic requirements for auto insurance in the state of Delaware, Or for that matter, in any given state in the United States of America. But to actually know the in’s and out’s of the legal system is not possible by just surfing the internet or asking around. There are so many things that one cannot find by just going to one single website. But if you really are not satisfied with the following, the next best step would be to walk into a local law library and figure out stuff from gigantic books on local laws.

    First we shall cover the basics of auto insurance coverage requirements in Delaware. The basic personal injury protection requirement is $15000 in the state of Delaware. The coverage requirement for all the people involved in an accident is $30000 in the state of Delaware. And for all the property … Click here to read more

  • Switching auto insurance policies in Pennsylvania

    by Hayden Krueger

    Many a times, a person might intend to change his or her auto insurance policy in Pennsylvania after finding a better one. A better one need not be a cheaper one for all practical purposes. It can be one that better caters to the needs of an individual at that particular time frame. 

    But there are a number of things that one needs to keep in mind while shifting policies in the state of Pennsylvania. You need to research and find out what these things are before going forward and making a change that you might regret later. 

    Firstly, when you are moving from one policy to another, you cannot have an interim period where you are uninsured. For one, if you do end up meeting with an accident during this period, you will regret making the move due to the fact that you have been paying your premiums for … Click here to read more

  • Required and optional coverage in Pennsylvania

    by Hayden Krueger

    In the state of Pennsylvania, there are two types of coverage’s. One is the required or compulsory coverage and the other is the optional coverage. As the names indicate, it is required by law that every car driver must have the basic required insurance coverage in the state of Pennsylvania. Optional coverage will extend to those people who want an added coverage over and beyond their required basic coverage. 

    Required or basic coverage 

    Bodily injury liability coverage – this sort of coverage is required to pay out all the medical expenses of the other party when you are involved in an accident and it is proven to be your fault. The basic coverage required is $15000 for each person involved in the accident and $30000 for all the people involved in the said accident. 

    Property damage liability- This sort of coverage will extend to all the property damage that one … Click here to read more

  • Minimum insurance coverage requirements in New York

    by Hayden Krueger

    Penalty for not having New York car insurance

    The state of New York is very strict when it comes to following rules and regulations. Even the insurance companies in the state of New York strictly follow the rules set for them by the department of motor vehicles.

    It’s no wonder that the auto insurance companies are strict with the automobile owners also. Every automobile owner must have auto insurance covered. If you do not have insurance coverage you cannot drive. So, it is advisable for every vehicle owner to insure first from the state of New York itself in order to use your vehicle in the New York state without any complications.

    You should have the proof of the insurance made in paper as well as electronic proof. The Department of Motor Vehicle needs to have proof first and foremost of your vehicles insurance.

    Minimum requirements for New York Insurance Click here to read more

  • Liability laws and limits in the state of Delaware

    by Hayden Krueger

    The state of Delaware prescribes a number of laws which have to be adhered to by all its inhabitants who drive a vehicle. These insurance laws are enforced by the department of motor vehicles in Delaware. And the local law enforcement agencies are entrusted with going after those who do not adhere to the basic requirements. 

    The liability limits are almost the same as most other states in Delaware also. The basic personal injury liability limit is $15000 per person injured in an accident. This coverage will pay for all the injuries that a person sustains in an accident. And the coverage for all the individuals involved in the accident is $30000 as a whole. This is the most amount of money that the other party can claim from your insurance company in case it is your fault. The liability limit for property damage in the state is $5000 again. … Click here to read more

  • Information about Florida auto insurance laws you need to know

    by Hayden Krueger

    The best way to get information about Florida auto insurance laws is to look them up on the internet. There are a number of web sites which can educate you about the deals you can get and also the laws in the state. When you want to look up laws of the state of Florida, it is best not to go by insurance company websites as they will tend to promote their own policies at the cost of you not conforming to the local laws of the state. 

    There are certain basic liability limits that you need to conform to in the state of Florida. The minimum required for personal injury liability is $10000 per person per accident. And the total coverage required for all the injuries sustained in an accident is $20000 per accident. This will cover the medical expenses of all the people injured from the other party’s … Click here to read more

  • Why You Need More Than the Minimum Auto Insurance Requirements

    by Hayden Krueger

    If you live in the bustling city of California, the state requires you to hold the minimum insurance coverage as follows: $15,000 per person for injury/death, $30,000 per accident for injury/death and $5,000 property damage per accident

    That seems to be a nifty coverage, but trying thinking beyond that point. At any time, medical bills could reach as high as $25,000 in a matter of days and that coverage is good enough for a single person. Other expenses could still add up.

    So, is there something you can do to protect yourself from future setbacks? Of course, you can by tripling the minimum state’s coverage with a minimal cost. Having the right kind of car insurance protects you from unnecessary personal expenditures, huge financial obligations and possible legal issues.  If you’re still wondering why the state’s minimum insurance is insufficient, continue reading the facts we have gathered below.

    Now, let’s … Click here to read more

  • Want To Cut Your Truck Insurance Cost? Install Safety Features

    by Hayden Krueger

    Insuring trucks and other similar huge vehicles requires paying hefty sums of money with their insurance premiums. Trucks are huge and when involved on road accidents, they just don’t create simple dents but oftentimes-deadly damages and fatalities. For this reason, trucks are considered as high risk machines needing high insurance coverage.

    Commercial trucks fall under the same category and are considered road hazards as well. These trucks are used to carry products such as chemicals, which are harmful to the public and to the environment when spilled or cluttered during road collision.

    If you are an ordinary car owner, you know that buying insurance creates a ‘dent’ in the pocket. The same scenario exists to the truck owners but this time, only bigger. However, since commercial truck insurance is required by law, there’s nothing they could do but to insure their trucks.

    If you own a truck, then you must … Click here to read more

  • The Easiest Way to Find the Best Car Insurance Quotes

    by Hayden Krueger

    When we say we’re going to help you find the best car insurance quotes in town, we honestly mean it. To start, we take off to our favorite place to find the best quotes anywhere in the planet – the Internet.

    Similar to eBay or Amazon where you can buy stuffs online, car insurance is also available online. In fact, nearly all insurance companies offer their best deals on their individual sites. Then there are the tools that you can use to scout and evaluate existing insurance offers to see if they’re true to their promises that is giving you the best insurance rates ever.

    However, it’s always prudent not to lay all your eggs in one basket. There are cases wherein the quotes you receive from their websites will not match against the actual cost of the policy that you’re interested in.

    First, bear in mind that it’s only … Click here to read more

  • Get Ready To Lower Your Auto Insurance Quotes

    by Hayden Krueger

    Auto insurance companies are known to use varying factors when computing for your coverage rates. In this article, we’re going to discuss a few of them, and hoping that you will learn something useful today.

    Your location – Insurance companies need to know where your home address is and if you travel back and forth to this address. It will compute how often you drive this far to get into work and the level of risk while you are traversing these roads.

    Let’s just say that point B is your place of employment and you travel by car to get there. The insurer is interested to know how much time you spend on driving. The more time you’re on the road, the higher the possibility of getting involved into a car accident.

    If a sizeable time is needed to get from point A to B, then expect high premium rates. … Click here to read more

  • Acquiring Cheap Car Insurance for Young Drivers

    by Hayden Krueger

    Time and gain, we’ve been asked and answered the same question a gazillion times, “How do I get cheap car insurance for my son or daughter?” Without a doubt, each year brings millions of parents asking why and how in the world they are paying skyrocketing fees for their children’s insurance policies.

    Quite frankly, this is the result of teen drivers eagerly involving too much on road accidents. Statistics reveal that more and more teen drivers are becoming road hazards, carelessly zinging along highways.

    Mind you, there are still ways to reduce the teen insurance cost towards getting cheap car insurance. These tips worked at its wonders to the others, and it could work for you as well. Some aren’t that straightforward, but you get the point.

    Many of our teen drivers do not realize how hard it is to find a car insurance that won’t interfere much on the … Click here to read more

  • Nifty Ways to Save On Your Car Insurance Premiums

    by Hayden Krueger

    For the past 2 weeks, you have been scouring the web in hope to find an affordable car insurance policy. Unfortunately, it is harder than you once thought of, because until now, you still cannot decide which one to pick. Well, what’s the best way to clear your mind than to know some of the basic searching tips I have below. Let’s get started.

    Keep in mind that there are many car insurance companies who are eagerly want you to avail of their ‘heavily’ discounted premiums. Discounts can be of any form.  However, these folks just don’t throw their offers anywhere. If you have no idea where to look for them, you will never get them. Time wasted.

    One sure way to get those juicy discounts is to reduce your deductible. By the way, this method if applicable to both comprehensive and collision type of coverage. No doubt, there’s a … Click here to read more

  • Insuring Your Car: Getting Things Done

    by Hayden Krueger

    In real life, finding affordable car insurance is not really that difficult. However, that doesn’t mean that you’ll just be pressing couple of buttons here and there, and it will magically be delivered in front of you – no. It doesn’t happen that way. Most of the time, you’ll need a bit of patience and perseverance to find what you are looking for.

    If you want to save money, why not downgrade your existing coverage or ditch the damage coverage of your car? Seriously, don’t do that. Crazy ideas to save a few hundred dollars come and go, but when it comes to auto insurance, you’ll need all those coverage that you can afford to pay. If you ever get this suggestion from someone else, he’s just probably making fun of you.

    You can still find affordable insurance policies without putting your life at risk afterwards. Happy you saved a … Click here to read more

  • How to Reduce Insurance Costs for Teen Drivers

    by Hayden Krueger

    When it comes to surprising people with high car insurance costs, our young drivers usually get the biggest share of the pie. This is reality that all of us will have to deal with. While it is still possible to find reasonable insurance policies for teen drivers, hunting for the right one is a totally different story. As a parent, you knew this already long before your kid wants to drive his own car.

    All of us were once treated as risky drivers, right? If you didn’t know this, your parents probably took care of all the dirty work year after year. As you aged and gained experience, the cost of insurance dwindles down.

    As cited earlier, finding the right insurance company that will cover teen drivers are often difficult. In fact, there are insurers who will refuse to cover teen drivers, particularly those that have only acquired provisional license. … Click here to read more

  • Covering All the Basis in Car Insurance Comparison

    by Hayden Krueger

    We know that competition is good, and that it allows us to pick a provider whom we think would fit to our demands. A playing field that permits companies to extend, enhance and intensify their products or services to gain more customers. Over the past few years, we’ve seen how the property and casualty insurance division fiercely fought with each other. While competition seems to be an eyesore to a company, it is usually the opposite on the consumer’s perspective.

    Now, in order to find the best rates in car insurance, you’ll have to do some comparison to determine which one is right for you. This means covering all the areas, whether you’re doing it online or offline (on the phone).

    In order to land to a cheap insurance policy, you need to consider these three key points:

    • Large corporations
    • Small companies with regional offices
    • Independent freelancers or insurance agents
    • Click here to read more

  • 7 Budget Friendly Car Insurance Tips

    by Hayden Krueger

    Today, we’re going to discuss seven of the smartest tips around to arrive at a budget friendly car insurance premium. Keep reading.

    Like many important things we do in life, car insurance is one of those things that need a thorough thinking. Car insurance can ruin your budget and is destined to be expensive. On the other hand, driving without car insurance is many U.S. states is not only illegal, but also arrives like a Jet Li punch in times of road mishaps. Therefore, in this economy, you need a budget friendly insurance coverage that can protect you against future setbacks.

    First off, allow me to congratulate our women drivers, because time and again, they always pay the lowest car insurance premiums in America. This is not a secret and for many years, women have always enjoyed such reduced rates. Thanks to the statistics, insurers consider them as a much … Click here to read more

  • Why Auto Insurance Prices Are So High?

    by Hayden Krueger

    If we are to look at the U.S. car insurance prices from a different perspective, we can clearly see that it isn’t that bad after all. For instance, car insurance prices in the U.K. have been skyrocketing for the past few years because businesses had to deal with their losses and that fraud that plaque the market.

    In the U.S. soil, residents in Louisiana are paying the highest insurance rates averaging to $12,000 a year, while Iowa residents were lucky enough to get an annual average rate of just a little over $1,000. The price of insurance is unique to the individual that is why some people are paying $800 a month for their car insurance while others landed on with just $35 a month. Maybe you are thinking that those people are just lucky to get those dirt-cheap prices but in reality, they’re not. Here’s why.

    The Actuarial TablesClick here to read more

  • Use Your Head Not Heart

    by Hayden Krueger

    Here’s the thing, when Americans fall in love with a brand, they tend to stick to it no matter what. Unfortunately, this display of loyalty isn’t benefiting them so much, and it tends to be a one-way relationship. Corporations are not people, they don’t have feelings and as far as their public image is concern, they do everything to build it up. Most of them only care about their bottom line; don’t you think it is time to think about yours?

    Unfortunately, many drivers are still living in this paranoia and with inertia making the whole situation worst. It’s funny how many of them desperately want to get the lowest car insurance rates yet few of them actually do their homework.

    The Competition

    There’s a fierce competition out there in the insurance arena. Monopolies grew in a multitude over the years, but the sad truth is that insurance industry has … Click here to read more

  • Cheap Car Insurance for Professionals, Not For Everyone

    by Hayden Krueger

    Have you ever wondered why some drivers are able to get hold of cheap car insurance policies while you sweat all day long trying to find one? Of course, we already know that there are standard variables that insurers consider all the time such as gender and age, driving record, make and model of the car and so on.

    Also, we’ve known for a while that the place we live in counts as well. Insurers are always interested to know how crowded the place is, the percentage of crimes committed such as vandalism, theft or collisions. On top of that, we were told that car insurance companies are now using our very own credit score to identify how responsible we are in terms of our financial obligations.

    However, what many people don’t realize is that their occupations play a significant role in insurance computations.

    How’s that even possible?

    Believe me … Click here to read more