Auto Insurance Guide Archive for January, 2010

  • Things Women Drivers Should Known About Auto Insurance

    by Hayden Krueger

    Male drivers often scorn women drivers since they feel that women drivers are not as good at driving as males but auto insurance companies believe otherwise. This article will elaborate on a few things women drivers should be aware of when they purchase auto insurance since knowing these things can help them get better vehicle insurance quotes. 

    Safer Drivers 

    Vehicle insurance companies consider women as better drivers than men since women get into fewer accidents and they commit fewer violations. Women drivers are considered as safer drivers mainly because they wear their seatbelt at all times and they don’t speed on the road. Auto insurance companies also believe that women drivers also do not drink after driving.  Due to all these reasons women drivers are offered lower premiums than male drivers. Other factors such as your driving record and your age will decide the total amount of premium you pay … Click here to read more

  • The significance of buying auto insurance

    by Hayden Krueger

    Most people love their motor vehicles, and spend good money on them. Like every investment, your motor vehicle needs to be protected from possible theft, or damage. This is where auto insurance companies come in.

    Auto insurance can cover loss due to theft, accidental damage, fire, and even covers medical bills and lost wages. The terms and cover provided to you as security is agreed upon when you take out your insurance policy.

    Upon the unfortunate occurrence of an accident, if you are at fault, and you don’t have insurance, you are liable to pay for not only the damages to your self and vehicle, but also the third party and his vehicle! The third party can, and most cases will sue you not only for damages to his or her vehicle, but also for medical expenses, lost wages, pain and suffering. All this can leave you with a hefty … Click here to read more

  • How to protect yourself from Auto Insurance Fraud

    by Hayden Krueger

    It is absolutely necessary that all drivers be informed, lest they be part of a fraudulent car insurance accident scam. Fraudulent car insurance scams operate everywhere, either as sophisticated crime rings, or in the form of individuals. Whatever the case may be, it is a dangerous affair, and one must be fully aware of the seriousness of the situation at hand. 

    Scam artists employ a variety of methods- a vehicle stopping in front of yours, deliberately, so that your car slams into the rear-end of the car in front of you, is just one of the tricks they can play.

    Keeping yourself abreast could help you avoid being embroiled in a fraudulent car insurance accident claim, and may also save you your life. Do not be surprised if a person who is generally regarded as trustworthy, such as a lawyer, or doctor is involved in the scam. 

    Read on to … Click here to read more

  • Five Things Every Car Owner Should Know Before Filing an Auto Insurance Claim

    by Hayden Krueger

    Filing a vehicle accident claim can be confusing for most people since they are not aware of the insurance company’s claim requirements. Before filing an auto insurance claim the car owner should know a few things so that his claim is accepted. The following paragraphs will elaborate on 10 such things that will help your file a successful auto insurance claim. 

    Whose Car Did I Hit? 

    In order to file a successful auto insurance claim you should known whose car you hit and you should get information like his name, address and insurance information. You should also get information like their date of birth, driving license number, phone number and agent name if applicable. You should make it a point to find out if the police were called. If the police wasn’t called then you should call the police since a police report is required by most insurance companies to … Click here to read more

  • Five Car Tips that Can Reduce Your Auto Insurance

    by Hayden Krueger

    It is common knowledge that the condition of your car will decide the amount of premium you pay since the current condition of your car will help the auto insurance company decide if your car is likely to break down and cause an accident. This article will elaborate on 5 car maintenance tips that will ensure that you get low quotes on auto insurance. 

    Get the Right Modifications 

    Most people think that modifications will cause their auto insurance premium to increase but this is not entirely true. Modifications that enhance the looks of the car or boost the performance of the car significantly will definitely cause your vehicle insurance premium to increase but modifications that increase your safety or the safety of your car can in fact reduce vehicle insurance rates. Modifications such as spiked tires, extra large tires or extra bright lights may cause you to pay a high … Click here to read more

  • Best Tips for Cheap Teen Auto Insurance

    by Hayden Krueger

    Most parents dread the day their teenage child starts driving mainly because they are worried for the safety of their child but the fact that teen auto insurance costs a lot also scares most parents. Teen auto insurance is not cheap since vehicle insurance companies believe that teen drivers are not safe drivers. This article will elaborate on a few ways you can get cheap auto insurance for your precious child.   

    Emphasize the Importance of Safe Driving 

    Driving safely not only protects your child from accidents on the road but it also ensures that his driving record stays clean. Since the driving record of a teenager is one of the main factors used to determine the premium by insurance companies a clean driving record can help your child get a lower quote when he renews his license. Safe driving includes but is not limited to paying attention to the road, … Click here to read more

  • Auto Insurance – A synopsis

    by Hayden Krueger

    Insurance is one of the most popular means of risk management, second to only securing your assets in a way that someone else can’t misuse them. Every asset is prone to loss, be it your life, your home, or your car. Consumers pay Insurance companies a premium in exchange for cover for their assets.

    The premium is based on various deciding factors, such as the value of the asset, the risk involved, among others. Upon damage or loss of an asset, the owner of the asset, or people nominated by them go to the insurer and make a claim, upon verification of the claim, the insurer then makes the payout of the sum assured, i.e. the amount the asset was insured for.

    The same holds true for motor vehicles, consumers take out insurance policies from Auto insurance companies to protect themselves from possible auto theft, or an accident. There are … Click here to read more

  • A few ways to save money on Auto Insurance

    by Hayden Krueger

    Cracking a good deal when it comes to auto insurance is easy, once you know how it works. There are things your car insurer will keep you in the dark from, for their own benefit of course. Fortunately insurance premiums have hit a standstill, but that doesn’t mean you can’t still shave off a few dollars on your insurance premium! 

    Here are a few tips and tricks telling you how to: 

    Don’t settle for the first quote you get: Auto insurance companies are a dime a dozen; this plays out to the consumers’ benefit. You must get multiple quotes; some say five is a safe number. Always go directly to the company, cut out the middle-men and their hefty commissions which you pay for. A great way to do this is to go the website of a direct writer, and request for a quote. Compare all the quotes you receive … Click here to read more

  • A Car Owner’s Guide to Auto Insurance Liabilities

    by Hayden Krueger

    There are a number of auto insurance liabilities available to car owners and while some of these liabilities are mandatory others are simply helpful. While opting for vehicle insurance the car owner is given an option to choose liabilities and add them to his plan for additional security. This article will elaborate on some of the useful auto insurance liabilities that can protect you and your car further. 

    Bodily Injury Liability 

    This particular auto insurance liability is mandatory in most states. This liability protects the third party who is in your car during an accident. The bodily injury liability pays for lost wages, medical expenses and trauma related expenses for the third party. This liability is applicable to more than 1 third party person in your car provided the limit you have opted for covers all expenses. The bodily injury liability even pays for your legal expenses in case the … Click here to read more

  • Four Questions Buyers Should Ask Auto Insurance Companies

    by Hayden Krueger

    Buying auto insurance is a mandatory step which all car owners must take to protect their own interests. Most car owners do not know a lot about vehicle insurance while they register for insurance and as a result of lack of knowledge car owners often lose out on benefits. This article will elaborate on four questions that car owners should ask their auto insurance company before they sign the agreement. 

    If My Car is Totaled How Much Will I Get? 

    Most car owners are under the impression that their insurance company will pay them the market value of their car if it is totaled but the true answer shocks most people. Auto insurance companies have their own formula to calculate the worth of your car and the amount they will give you is most likely not even close to the amount you are imagining. Before signing up with any vehicle … Click here to read more

  • Five Important Auto Insurance Tips

    by Hayden Krueger

    There are many factors that affect the amount of auto insurance you pay and while some of these factors are uncontrollable some of them can be controlled by you. The following paragraphs will elaborate on five important auto insurance tips that can help every vehicle owner. 

    Opt for Liabilities 

    Liabilities are mandatory in certain states since this auto insurance covers are very helpful. If liabilities are not mandatory in your state then you should not dismiss them since they are important none the less. Some of the important liabilities that every car owner should have include bodily injury liability, property damage liability and the underinsured motorist liability. 

    The first liability that is bodily injury liability protects your interests when a third party is injured while you are in an accident. This cover pays for medical help for the third party, lost wages for the third party and legal help for … Click here to read more

  • Eight Secrets Your Auto Insurance Company Won’t Tell You

    by Hayden Krueger

    Auto insurance companies don’t tell their customers a lot of things and most of these secrets are important. By knowing these secrets a customer can not only protect his own interest but he can also save money on premium. This article will elaborate on 8 such secrets that every car owner should know about. 

    The Car Model Affects the Amount of Premium You Pay 

    Your car model directly affects the amount you pay to auto insurance companies. The VPN number of your car is used by the insurance company to decide how much premium you should pay but as a general rule if you have paid a lot of money for your car then you will pay a lot of money for your vehicle insurance. 

    Paying in Installments Will Cost You More 

    Auto insurance installments are definitely an easy way to pay the premium but a high number of installments … Click here to read more

  • Easy Ways to Save on Auto Insurance

    by Hayden Krueger

    Due to the tough economy everyone wants to know how to save money on things like insurance and shopping. Saving money on auto insurance is easy if you are ready to do a few things. This article will elaborate on a few easy ways you can save money on auto insurance. 

    Get Discounts on Auto Insurance 

    There are many ways you can get discount on auto insurance but the best ways to get discount include signing up for defensive driving classes, owning a safe car, installing necessary modifications and opting for one insurance company. People who are under 21 or above 55 are eligible for substantial discounts if they sign up for DGV approved defensive driving classes. Many insurance companies give discounts to car owners who drive a certified safe car and they also give discounts to people who have installed modifications like car theft alarm or automatic seatbelts. By … Click here to read more

  • Easy Steps to File Auto Insurance Accident Claims

    by Hayden Krueger

    Auto accidents happen to even the most careful people that is why vehicle insurance is a beneficial cover. Accidents on the road are definitely unpleasant and most people dread the paper work involved to file a claim. Filing an auto insurance accident claim does not have to be confusing. This article will elaborate on a few easy steps to file an auto insurance accident claim. 

    Exchange Details and Contact the Auto Insurance Company 

    The first thing to do after an accident occurs is to make sure that no one is injured. If someone is badly injured then you should call 911. If the person is not badly injured then you can call a local doctor. After that you will need to exchange details with the other person. You will need to exchange insurance information and if needed then personal information. After you have exchanged details with the other person you … Click here to read more

  • Ways to keep your Auto Insurance rates down

    by Hayden Krueger

    Auto insurance rates have been going down over the past few months. This is mainly due to the prevailing economic situation. As people have slowed down on buying cars, the demand for auto insurance has gone down and with that the cost of insuring your vehicle also went down. But with due course of time, the rates will once again go up due to renewed increase in consumption by the people of this country.

    If you are concerned about how to lower your auto insurance rates, then, this is the article you are looking for.

    The best and most obvious way to keep your rates down is to maintain a good driving record. A driving record is something that is maintained by the DMV or department of motor vehicles. This is a record of all the traffic infractions or violations that you have committed. If you are a driver who … Click here to read more

  • Tips to Help You Prevent Auto Insurance Scams

    by Hayden Krueger

    People who become victim to scams often make avoidable mistakes. A person can prevent falling for auto insurance scams by reading up information on how these scams work and ways to prevent these scams. The following paragraphs will elaborate on some common vehicle insurance scams and a few ways you can avoid them. 

    Illegitimate Websites Selling Auto Insurance 

    The internet is definitely a handy tool that can help you save time while searching for vehicle insurance but the internet also has many illegitimate or fake websites that are made to scam people. The most common type of auto insurance scam is fake companies offering to insure people’s cars through the internet. 

    The best way to ensure that you do not become a victim of auto insurance scams is to buy insurance online only through reputed websites. If you get an email from an unknown person and the email suggests that … Click here to read more

  • Three Factors that Can Affect Your Auto Insurance Premium

    by Hayden Krueger

    Most car owners are aware that their driving record is one of the most important factors that can affect the amount of auto insurance premium they pay but many car owners are not aware that there are other important factors that can lower or increase their car insurance premium. The following paragraphs will elaborate on 3 factors that can influence the amount of premium you pay to auto insurance companies. 

    Your Age and Sex 

    The age of a driver is a very important factor that can affect his or her auto insurance since insurance companies believe that drivers under the age of 25 and above the age of 65 are much more likely to get into an accident. People under the age of 25 are often charged a higher premium since they are much more likely to participate in reckless road behavior while people above the age of 65 are … Click here to read more

  • The Beginner’s Guide to Auto Insurance

    by Hayden Krueger

    Choosing the right auto insurance for the first time can be a confusing process especially since most beginners do not know what coverage they should opt for. By researching and reading up about auto insurance you can reduce the frustration involved in buying new car insurance. The following paragraphs will attempt to simply the process of buying car insurance. 

    Cost of Auto Insurance 

    There are various factors that will influence the amount you pay to vehicle insurance companies but some of the important factors include your driving record, your age, your car’s value and your car’s condition. Your driving record will help the insurance company understand if you are a safe driver or not and your age will help the insurance company understand if you are more likely to get into an accident or not. As a general rule car owners that buy expensive cars are asked to pay a … Click here to read more

  • Lowering Teen Auto Insurance Premiums

    by Hayden Krueger

    Parents often hesitate to get their children cars since they are worried about their teen’s safety. Parents are also worried about the amount they will have to pay to insure teens since teen auto insurance is more expensive that adult vehicle insurance. This article is going to elaborate on a few ways you can lower teen auto insurance quotes and get cheaper premiums for your child. 

    Encourage Your Child to Drive Responsibly 

    Auto insurance companies charge teens a higher premium since teens are more likely to get into accidents. The best way to ensure that you’re teen gets a low quote and remains safe while on the road is to encourage him or her to drive responsibly. You should ask your teen to drive at a maximum speed of 35 miles per hour and you should also encourage him to wear a safety belt at all times. 

    Parents should also … Click here to read more

  • Effective tips to enable you to choose the right auto insurance policy

    by Hayden Krueger

    It is very important to choose the right auto insurance policy. Once you have invested in a policy, you are going to be stuck with it for at least a year or two. And if you want to back out of it prematurely, you will end up losing a lot of the money that you spent on it. Hence it is important to make the right choice the first time.

    How do you choose the correct auto insurance policy for your needs?

    Use the internet to find out as much as you can about different policies. It is important to do your research before you go ahead and take the plunge. Shopping around for a good policy is am important part of buying auto insurance.

    First, start getting a few insurance quotes from websites on the internet. There are a lot of websites belonging to both the insurance companies themselves … Click here to read more