Auto Insurance Guide Archive for March, 2010

  • Protect yourself from Auto insurance fraud today!

    by Hayden Krueger

    When getting insurance cover 

    Never entertain calls or quotes from unsolicited insurance brokers; they might not even be calling from where they say they are. If the company which gives you the quote provides you with a suspiciously lower quote as compared to other companies which seems too good to be true, it most likely is. If you are being offered a good deal by a company that you haven’t heard of or is a new entrant into the auto insurance market be wary and check with your states insurance department and your DMV (Department of Motor Vehicles if the company is registered and has any trials of cases of fraud against them.; if the company and agent aren’t licensed its best to let them go and buy insurance from a well established company.

    The Better business bureau allows consumers to check up on financial institutions on their website and … Click here to read more

  • Auto insurance terminology at your fingertips

    by Hayden Krueger

    The world of auto insurance is a simple one, one you understand what they mean when they use those ever so complicated jargon in your policy document, when they talk to you and every other opportunity they get! 

    Bodily injury Liability: coverage from financial liability arising from medical bills due to bodily harm in an accident where the policyholder was responsible for the accident.

    Collision cover: cover from financial liability caused due to damage to the policyholders vehicle due to collision with any other object.

    Comprehensive cover: Cover from financial liability caused due to damage that doesn’t involve a collision with another vehicle. Covers common damages such as vandalism, fire, theft, earthquake, explosions, flood, falling objects, and even missiles!

    No fault insurance: covers the policy holder from any financial losses regardless of whose fault it is. Generally the practice is that the person who is at fault pays the damages … Click here to read more

  • How a High Risk Driver can get cheaper insurance

    by Hayden Krueger

    A driver touted as ‘high risk’ is someone that no auto insurance wants to cover cheaply. These drivers are charged exorbitant amounts for their premiums. Unfortunately, the reality is that many drivers do fall into the category of high risk drivers. Some unfortunate people, through no fault of their own, still land up in this category. People who land up in this category have either got a bad driving record, or had their license revoked, or have a bad credit score, or a combination of two or more of these factors. Even the area in which a person lives can determine whether or not he falls into the high risk category.

    You’re a High Risk Driver…now what?

    But just being labeled as a High Risk driver doesn’t mean it’s the end of the road and that you are to be doomed with a sky high premium rate all your life. … Click here to read more

  • Auto insurance for hit and run cases

    by Hayden Krueger

    Throughout the country there are numerous instances of hit and run; and the number of instances is steadily increasing. Seven out of eight accidents are caused by other reasons while one involves a case of hit and run. A majority of hit and run cases involve the defaulter fleeing because they don’t have insurance, or they are intoxicated or know that they are in the fault and will definitely be convicted. According to a statistic released by the
    National Highway Safety Traffic Administration 80% of all hit and run cases cause only property damage and no bodily harm at all.

    The victim

    The true victim of such a case is the person who has had his vehicle damaged and has no idea of who did it. The good news is that since most hit and run cases involve only property damage and not bodily injury, chances are that you are … Click here to read more

  • Auto insurance for classic and vintage vehicles

    by Hayden Krueger

    Classic car insurance is very difference from general auto insurance. With the exception of the reason for buying the auto insurance cover almost everything else is different.

    What are classic and vintage cars?

    A classic or vintage car can is typically a vehicle that is a few decades old. Classics, antique vehicles, collectible vehicles, custom built trucks, street rods, pro street race cars, and replicas are all considered under this bracket.

    The need for different insurance plans

    Auto insurance for a classic or vintage car is very different from normal cars since these cars appreciate with time. Most cars of today will depreciate with time and their market value will keep dropping till they end up in a junk yard waiting to be demolished and reused as scrap metal. A classic car on the other hand gets more expensive with each passing day; in fact the primary deciding factor on … Click here to read more

  • Getting auto insurance for your Hybrid

    by Hayden Krueger

    How the Hybrid can make a difference

    Pick up the newspaper- at least three articles or stories can be found that are related to environmental problems. Climate change seems to be the new buzzword these days. Cars seem to be in the forefront when it comes to contributing to the release of harmful gases that exacerbate the Greenhouse Effect. It isn’t just environmentalists though, who are up in arms about this blatant wastage of fuel in cars; some automobile companies themselves supported this stance. Thus the Hybrid car was born. It is a clean vehicle; the need of the hour.

    Why get a Hybrid?

    The biggest problem that consumers faced is the price of the vehicle. Many found it too expensive, and no one would want to pay such amounts when they could get that smashing sports car that catches everyone’s eyes for a couple of extra grand. To combat … Click here to read more

  • Do you really have the best insurance policy?

    by Hayden Krueger


    Auto insurance policies are of various kinds and can be obtained for varying prices. You can save up to $800 on your auto insurance policy while getting the same cover depending on which company you chose. Some companies offer your cheaper premiums at a price, the price being a significantly lower cover; beware of such deals and stay away from them.

    The importance of the right cover

    Insurance is meant to protect you from financial liability and an insurance policy that can not do that is pointless and is at its best only a means to escape a ticket. Escaping a ticket is the least of your concerns if you get into an accident; accidents prove to be a very costly affair if you don’t have insurance to save you. If the accident was indeed your fault you will not only have to pay for any damages you have … Click here to read more

  • Catalytic converters and auto insurance

    by Hayden Krueger

    Catalytic converters make easy targets for auto thieves. Vehicular thieves are always on the lookout for easy money and stealing your catalytic converter or cat con as it is popularly known is an ideal choice. A cat con can be stolen in under two minutes and is as easy as easy money gets for a car thief; needless to say the number of cat con burglaries is on the rise as it always has been.

    Background of the cat con

    The cat con was introduced in the United States by a government passing in 1975. The purpose of the cat con is to convert harmful exhaust fumes into less harmful substances before they are passed out from the exhaust system enter the environment. A cat con is mandatory in all vehicles in the Unites States and failure to have one can easily be noticed by the police due to the … Click here to read more

  • A practical approach to buying new auto insurance

    by Hayden Krueger

    Its human nature to get comfortable with a setup or system and not want to change; however at times change is inevitable and we must go with the flow. Auto insurance premiums vary more than most people imagine they do insurance for an old car can cost you anything from $1000 to $1800 annually. Sticking with the wrong insurance company can mean you pay almost double the premium you have to.

    Analyzing your driver’s record, Understanding your need

    Many people start looking for quotes as the first step, while this is an effective method it’s not the best. The first thing you should really get cracking on; is to comprehend your need from your insurance policy. It’s imperative you do this calculation and comprehension activity on your own and not hire someone to do it for you, avoid accepting help from friends too; while advice can be fine you are … Click here to read more

  • A few secrets which can help you save on auto insurance

    by Hayden Krueger

    Why change insurance companies 

    There is a very good chance that as you are reading this article your insurance company is making a truck load of money off you because you have the wrong policy or you are paying too much for the policy you need.

    Reviewing your auto insurance policy could mean increased savings with the same cover for a lower price, or better cover for the same price. Shopping for insurance is believed to be time consuming and troublesome; however this is not even remotely true. All it takes is fifteen minutes of your time to understand your needs and then an hour to request quotes, and sign up for an insurance policy which will help you save money or at least add value to your existing cover to say the least. 

    The internet 

    The internet is soon becoming a means to carry out any sort of action … Click here to read more

  • Sports car insurance details to make things easy

    by Hayden Krueger

    Sports car insurance is pretty expensive compared to conventional auto insurance. This is largely due to the fact that sports cars are much more expensive to maintain and repair. We shall discuss the major reasons for the high cost of sports car insurance and also how to reduce these costs substantially below.

    As mentioned before, sports car insurance is expensive mainly due to the high cost of repairing a damaged car. The insurance company is liable to pay you the amount that the repairs are going to cost if you have comprehensive collision coverage or if you have a first party insurance policy. This is the reason for the high cost when you go in for a costly sports car. The tag price of the car will solely drive up the cost. The best way to make sure that you avoid such a scenario is to buy cheaper sports cars … Click here to read more

  • Time Tested tips to avail new car auto insurance

    by Hayden Krueger

    After buying a new car your first reaction may be to take the car for a spin but before taking your new car for a spin you need to insure it. There are a few things you should know about insuring new cars that can help you save a significant amount of money. This article will elaborate on 5 auto insurance tips that can help you save time and money while insuring new cars.

    Get the Right Car

    If you haven’t already bought your car then you should keep in mind that the more you pay for your car the more the auto insurance company will charge you for premium. Expensive cars usually cost a lot to repair and insurance companies make sure that you pay a high premium to make up for this fact. If you are planning to buy a car then you should either consider getting a … Click here to read more

  • Six Things You Can Do to Get Auto Insurance at rates you can afford

    by Hayden Krueger

    Opting for auto insurance is definitely not cheap but since insurance protects your interests at the time of an accident it is important to opt for vehicle insurance. Insurance companies decide your premium based on many factors and while some of these factors cannot be controlled, there are various things you can do to get cheap vehicle insurance premium. This article will elaborate on some of the things you can do to get cheap auto insurance.

    Avoid Accidents and Violations

    Accidents and violations committed are two of the factors that can increase your auto insurance premium you pay significantly. By committing accidents that are your fault your premium can be raised by up to 40% for the first accident and by a few percent for every fault accident after that. By being vigilant on the road and being focused while driving you can prevent accidents. Violations are easily avoidable even … Click here to read more

  • Obtaining Auto Insurance for Senior Citizens Made Easy

    by Hayden Krueger

    Car owners above the age of 55 are usually charged higher auto insurance premiums compared to people between 21 – 55 years old. The main reason senior citizens and older adults are charged a higher premium is because insurance companies feel that as a person ages his driving skills decline. This article will elaborate on some money saving tips for senior citizens opting for auto insurance.

    Stay Fit and Use the Right Medications

    Senior citizens who are drive cars should try their level best to stay healthy by modifying their diet and exercising. If you have a vision problem then you should use your glasses at all times and you should take steps to prevent that your vision problem worsens. You should also go to the doctor periodically for a complete check and you should ask the doctor to give you medications that do not interfere with your driving ability. … Click here to read more

  • Getting Auto Insurance for Teenage Son

    by Hayden Krueger

    It is that time of your boy’s life that you have been dreading for the past seventeen years. Yes, it is here. And there is no looking away from it. Your boy is seventeen and wants a car. In fact, he might have saved enough to black mail you into getting a car for him failing which he claims he will get that broken down jalopy for a thousand dollars. And he knows that you will not want him doing even 40 on the freeway in that bath tub!

    The first step that you must take in such a predictable volatile situation is to buy the car. But before doing so, you must use all your negotiating skills to coax him into going with the safer sedan that you have been researching. Do not under any circumstance settle for the sports coupe that he wants! You will firstly end up … Click here to read more

  • Keeping Auto Insurance Premiums under control is in your hands

    by Hayden Krueger

    Due to the recession many people are cutting down on services like auto insurance to save money. Since vehicle insurance is important it is always advised to buy a policy that covers you adequately. There are many things you can do as a consumer to save money while buying insurance and this article will elaborate on five ways to lower your auto insurance premium.

    Drive Less and Maintain a Low Mileage

    Once of the factors that auto insurance companies consider before giving you a quote is the number of miles you drive each year. People who drive a lot are often offered high premiums since the chances of them getting into an accident are more. Also cars that are driven a lot are most likely to break down in the middle of the road. One of the other factors taken into consideration is the mileage you drive at. If you … Click here to read more

  • Four Reasons State Auto Insurance Liability Limits are not Enough

    by Hayden Krueger

    Most people who have gotten into accidents after opting for the minimum limit in states like California will tell you that the state auto insurance liability limit is not enough. The state puts minimum liability limits to make sure that everyone has protection but these state limits are usually not enough for most people. This article will elaborate on 4 reasons state auto insurance liability limits are not adequate and information will also be provided on the right limit.

    Insufficient Auto Insurance Liability Limits

    In states like California when an accident happens the state holds the driver responsible to pay for all the damages that have occurred due to the accident. The driver will not only be liable to pay for the damaged car but he will also be liable to pay for damaged property or death of a person if applicable. By opting for the minimum limit the insurance … Click here to read more

  • Cost Effective Auto Insurance within your reach

    by Hayden Krueger

    Auto insurance rates have been rising steadily over the last few months. This is partially due to the renewed consumption of commodities by the people. The recession is slowly giving way to a change in people’s perspectives and as a result there is an increase in consumption. With increased consumption, consequently there will be an increase in costs. This is the law of demand and supply.

    The first thing to do when you are looking for auto insurance is to search online. There are a number of websites that offer free insurance quotes for the customer. You need to go online and fill in your personal details. After doing this you can get your quotes. It is important to get at least ten different independent quotes before making a decision. There are both first party insurance company websites and third party websites which give a number of quotes from different … Click here to read more

  • Auto Insurance if you are a High Risk Driver

    by Hayden Krueger

    High risk drivers often face problems when it is time to renew their auto insurance policy since most insurance companies refuse to insure high risk drivers. If you feel that you are a high risk driver and you will not be able to find an insurance company to insure your car then continue reading. This article will provide information on all you need to know about auto insurance for high risk drivers.

    Determining if you are a High Risk Driver

    Before searching for an auto insurance company to insure your car you should first determine if you are a high risk driver. High risk drivers can be either teenagers or adults that have committed multiple violations. These violations include speeding, drinking and driving or engaging in unsafe driving practices. High risk drivers are usually prosecuted for at least one drinking and driving violation per year along with other minor violations. … Click here to read more

  • Auto Insurance for your Teenage Daughter

    by Hayden Krueger

    Did you know that the gender of the person who applier for an auto insurance policy plays a huge role in deciding the cost of the policy? As unbelievable as this may be, it is a fact.

    The reason behind this is the statistics that have been collected over the years. It has been statistically proven that female drivers between the age group of 17 to 25 have lesser accidents than a male driver of the same age group. This is also true for traffic citations and other misdemeanors. Hence the auto insurance companies make segregation between the two groups. Though this may not be related to the topic of auto insurance itself, it brings us to the question about equal rates for health insurance.

    Recently, a bill was passed in the United States congress stating that rates for health insurance must not the decided based on gender. This was … Click here to read more