Auto Insurance Guide Archive for September, 2010

• Know more about auto insurance for women

  by Hayden Krueger

  Gone are the days when men and cars were inseparable, now women are just as [passionate about cars and having it in the best shape. There has always been much criticism about women drivers.  However insurance companies have always given women a better deal and better options to choose from in car insurance. Does it not point out that women are indeed more careful and in control of their driving than men are? There are specific car insurance deals for women in the market and these are often much cheaper than car insurance for men. It certainly says a lot about women drivers being better at dealing with situations than their male counterparts.

  Write offs in many cases for women drivers have been cheaper as women who are in accidents generally have been seen to have minor issues like minor dents, bumps and scrapes. In contrast male drivers are seen … Click here to read more

• Get the right kind of coverage for your vehicle

  by Hayden Krueger

  Given the fact that there are so many different kinds of insurance available for your vehicle, it can get quite intimidating to pick out the kind that you are going to save money from. However, there are certain factors that go into making these insurance policies that you can make use of in order to save significantly on your auto insurance. It helps to know more about these policies so that you don’t have to end up spending a fortune in order to protect your vehicle. Not making an informed decision can cost you a lot of money in the long run.

  Knowing the minimum values

  One solution to getting the perfect kind of auto policy would be to perhaps have a good idea about the minimum values of the auto policy. These minimum figures vary from one state to another. Hence, it is important to know about these figures … Click here to read more

• Different ways in which you can buy auto insurance today

  by Hayden Krueger

  We live in a highly connected world today that has a number of options for us to take advantage of. It is important to know the different ways in which it might be possible to approach something so that we can take advantage of this. Coming to auto insurance, there are a number of ways in which one can obtain auto insurance today. However, knowing the right one, which is suitable for your requirement, is crucial. Once you have a fair understanding of this, it might be less intimidating to get auto insurance.

  Buying it in person

  The traditional option would be to simply buy it in person. In this method, you can easily get the kind of insurance that you would want by requesting for that specific insurance in person. There are multiple advantages of doing so as you do tend to save quite a bit of money in … Click here to read more

• Car insurance – know more to make the right choices

  by Hayden Krueger

  We all find ourselves paying different bills on different occasions. There is the mortgage, the car loan, the credit card bills and other assorted fees. Add to all this auto insurance and you are wondering why? No matter how good a driver you are it is important that you have insurance in place.

  The law requires you to carry proof of at least basic insurance cover in many states. Else your license could get revoked and you would be in a lot of legal trouble and paying through your nose to cover for a mishap. Insurance is a way to protect yourself from these liabilities to an extent. However it does not mean that you get additional expenses to deal with and huge bills every month. You can get a lot of different types of insurance offering different kinds of coverage in the market.

  What people do not realize is … Click here to read more

• Buying the coverage custom made for your needs

  by Hayden Krueger

  Many people wonder and worry about their insurance for the car. They already are dealing with so many bills; they might be a little reluctant to pay for renewing the insurance once it has expired. They may also find it unreasonable to have insurance when there have been no records of them driving out of sorts or any issues or accidents since long.

  Why bother with car insurance when I am a safe driver many may argue? And pay additional bills every month which is eating out of my meager savings given that work is not so stable anymore. Well there are enough and more reasons to have auto insurance as there is no way to predict that you may not be in an accident due to a natural disaster or a miscalculation or mistake on someone else’s part. Then when you have to fend off large bills out of … Click here to read more

• The Various Categories Under Auto Insurance Discounts

  by Hayden Krueger

  Auto insurance is one of the cases where everyone hopes they never have to use it because it means they have to meet with an accident. Hence most people find it painful to pay higher premiums just as a cautionary thing. However, the costs of damage repairs or liability could be really high in some cases. Similarly theft and other natural disasters too might lead you to incur huge costs, which is why most people are too scared to ignore the insurance even if it is costly. This leaves everyone in a dilemma as to which auto insurance policy to take. However, the better option is to find the auto insurance quotes that offer you a lot of discounts. In this way, you end up lowering your insurance premium, while at the same time you get all the advantages and coverage of auto insurance. These discounts are in various categories.… Click here to read more

• Saving on Your car Insurance Made Easy

  by Hayden Krueger

  Car insurance is mandatory in almost all states. As per law, driving a vehicle without proper car insurance is a punishable offence often reflecting on the track record of the driver as a black mark. The exact rules of insurance vary from state to state.  For example, PIP or personal injury protection, that provides coverage to an individual who sustains injuries in an accident, for all medical expenses, loss of pay and even expenses for treating passengers, is mandatory in some states while it is optional in other states. However, one insurance that is common across the board is the liability insurance, which pays for the medical expenses and damage repair costs of the counterparty in an accident where you have been held legally responsible. Many people ignore the insurance to save on money while it is really possible to get a good rate for a policy that covers a … Click here to read more

• Critical Factors That Have An Impact On Your Auto Insurance Premiums

  by Hayden Krueger

  It is not rocket science to understand how insurance rates work and what is the logic applied by insurance companies when they determine the premium you will have to pay. The simplest way to put it is that the insurance companies charge a greater premium for those cases where the risk of claims is higher. In other words, safer the car, lower is the premium. It can also be extended to say that safer the driver, lower is the premium.

  Even before we find out about the factors contributing to risk, it is good to know that insurance rate is brought down by having higher deductible irrespective of the risk profile. If you are confident of yourself and are willing to pay more when the accident or theft or any other damage actually happens, you get a lesser premium to pay. Interestingly, the mileage of your vehicle determines the insurance … Click here to read more

• Auto Insurance types you can choose from

  by Hayden Krueger

  Auto insurance is taken by most people to keep up with the traffic laws. However, one must understand that auto insurance can save one lot of money in adverse situations. More importantly, the auto insurance coverage can often be very important and the assistance could be critical at some points. However, one must know what the perfect auto insurance for them is. There are many different varieties of auto insurance that one can pick from.

  The first type is obviously the collision insurance wherein the coverage is to protect the car. This kind of coverage involves damages caused by collision with another car or any object in an accident. It also covers for damaged caused to the vehicle due to a pothole. The insurance you get is minus your deductible.

  There are two scenarios involved in case of a collision. If the fault is on your side, then the insurance … Click here to read more

• Auto Insurance Coverage Beyond Vehicle Damage

  by Hayden Krueger

  Auto insurance coverage is not just about having sufficient coverage for your vehicle but also for you as the driver or your family. It is true that the damages to a vehicle during a collision can often be very expensive. Vehicle damages could happen due to accidents or collisions with immovable objects like trees or walls. Damage could also be incurred due to cyclones, hail storm, earthquakes and floods. Apart from this theft is a very common problem for vehicle owners.

  Auto insurance provides coverage for all of these. The damage costs are entirely borne by the insurance company apart from the deductible which you will have to pay. In cases, where the fault is completely the other driver’s your insurance company might even get the other driver’s insurance company to cough up all the damage repair costs in which scenario, you do not even have to worry about the … Click here to read more