Auto Insurance Guide Archive for October, 2010

  • Auto insurance for teenage drivers in California

    by Hayden Krueger

    Getting an auto insurance policy for your car is always a huge task that everyone with a car has to deal with at some point of time. If you already have an auto insurance policy and are looking for an upgrade or different policy with other features, you really do not need to worry much. And this is for people who have a good track record with the department of motor vehicles. But if you are a teen driver and have just got your license, then things can get tricky.

    Insurance companies consider teenage drivers to be high risk drivers. The reason behind this is the statistical data which shows that the percentage of teenage drivers meeting with accidents per year is more than the percentage of adult drivers under going the same situation. The reason for the statistical data can be varied. But the fact remains that teenage drivers … Click here to read more

  • Use available resources to obtain cheap auto insurance online

    by Hayden Krueger

    Consumers have many choices and options when it comes to finding information about almost anything and everything. The internet can be a huge resource for locating insurance that is cheap and affordable to the budget of every consumer. While there are no votes for the most preferred way to shop around for the best coverage, there are methods that are preferred due to convenience or ease of use. Many people prefer going by the traditional method of talking to insurance agents and negotiating on the amount to see what is the best deal they can get but there are others who are net savvy and know how to compare and discuss options online. Finding an affordable provider is of course the most important outcomes and this means shopping around to see what price is right for the budget.

    When you as a consumer are looking to find cheap car insurance … Click here to read more

  • Securing life and property with auto insurance

    by Hayden Krueger

    We all love our cars and are super excited when we get out license. It means a new freedom to drive, to explore and it is a coming of age for many! While having your own car may be exciting it is also important to be able to get your bearings on what you need to have in order to drive responsibly. An important part of every first timer driver’s learning experience is getting their insurance done. State laws require that every person with a license to drive and a car should have adequate coverage. Consider the ramifications of this law, you could be in serious trouble and end up with your license suspended if you drive uninsured.

    Why do so many people neglect this important fact. Some may have taken it up and then not bothered with a renewal. Some may be overly confident of their prowess on the … Click here to read more

  • New York State regulations about driving and insurance

    by Hayden Krueger

    Living in New York can be hectic and all consuming. There is often a lot to do and deal with in the fast pace of life that is there. Living in New York State is often a distinctive experience. There are a number of different regulations about what is acceptable and what is not when driving in this state. There are certain regulations about insurance and about driving when living in the state of New York as with any other place. It is vital that people understand the importance of this and also keep themselves aware of what they need to know to follow these regulations. Considering the fact that this is one of the busiest cities in the world, there is a strong need to be aware of the state set driving and traffic laws to prevent any undue damage to people and property.

    The Motor Vehicles department in … Click here to read more

  • Make sure you’re insured by a credible firm

    by Hayden Krueger

    You may have had enough of the marketing emails and the many messages about the numerous insurance providers out there. With all the competition among the insurers to lure customers it can be rather confusing to make a choice as to what will work best for you. Auto insurance agents may make many promises to lure you in and get you to sign with them, make sure you read all the policy entails well so you do not find yourself with a deal where you don’t have enough coverage and are paying too much. Find an affordable policy but cheap is not always effective, neither is expensive for that matter, so look beyond the price of the policy!

    When consumers look for policies they look at the comparison of various available policies. What you should also consider is what other customers are saying about your insurance provider. Make sure you … Click here to read more

  • Illinois State insurance and driving rules

    by Hayden Krueger

    We all have heard of how important it is to have insurance for your cars. When we tend to not consider insurance as an important part of our lives we make a costly mistake and incur huge losses. Insurance is without doubt the most important aspect of nearly everyone’s life and the importance of auto insurance cannot be stressed enough. When you are in the state of Illinois it is important that you know what sort of rules are there about driving and also about what insurance is essential at a minimum level. It is important that you have adequate cover so that you do not end up with too many liabilities should something go wrong and that you also can afford whatever losses you may end up having to deal with. Here are some rules and regulations applicable in the state of Illinois that you should know if you … Click here to read more

  • Consider your needs well before choosing commercial auto insurance

    by Hayden Krueger

    When you run a business such as a taxi service or heavy machinery vehicles then you need to consider getting insurance for them according to the need. Some of the businesses are operational seasonally. Therefore it makes no sense to have the same kind of insurance on them as you would take out on a regular vehicle. There are companies that offer seasonal and specific insurance policies suited to commercial use. Therefore the insurance you carry can be different for different seasons. If you can find out the costs and implications of getting such a policy you can save a lot of money. With any insurance policy, research and multiple options are always a good idea.

    When you have a business such as an ice cream truck, a snowplow vehicle or landscapers, you will obviously be using them differently during different times of the year. Hot summer months will not … Click here to read more

  • Auto insurance and driving regulations for the state of Washington

    by Hayden Krueger

    We all know that driving is a daily thing that may be governed by numerous laws. We have to compulsorily follow these directions to the letter in order to prevent a brush with the law which can result as a blemish on our driving record and ultimately affect our auto insurance rates. It is important to be aware of the driving regulations while driving out of state so you do not end up making a fatal mistake which can result in loss of life or money. It is also important to know of insurance requirements so that you can be assured of adequate coverage when traveling from state to state. Washington is no different. As is the case with the other states in the US, Washington also has a strict set of rules in place when it comes to driving and auto insurance.

    There are strict regulations in place about … Click here to read more

  • Auto insurance and driving regulations for Alaska

    by Hayden Krueger

    When in Rome do like the Romans do. It is important that when you are someone who travels across states that you know the driving rules and regulations applicable in that particular state. The rules of one state differ from the rules of the other. Hence it helps to know well in advance about the driving and traffic laws well before you drive into that state. Let us take a quick look at the driving and traffic laws at Alaska so you avoid getting into the wrong side of law in that particular state.

    As in every other state there are specific rules about driving in Alaska and if you are planning to drive through on business or have a trip through Alaska state, make sure you are complying with the regulations on driving and insurance. Affordable insurance quotes for Alaska State will need you to do your research well … Click here to read more

  • Auto insurance and driving laws for the state of Alabama

    by Hayden Krueger

    When it comes to driving and being on the right side of the law, there are a number of different rules to govern what is acceptable and what is not in each state. It is important as a conscientious citizen to be able to understand and know the laws in each state so as to make sure you are in the right. Along with laws about driving and regulations about each state there are also insurance details that each citizen should make a point to understand.  If you intend to take a trip to Alabama in your car, then here are the driving rules and traffic laws of the state that you need to be aware of and adhere to.

    As with any state DUI is an offense that is taken very seriously in the state of Alabama as well. There may be an imprisonment imposed of a year if … Click here to read more

  • How driving laws differ from one state to another

    by Hayden Krueger

    Although driving laws are quite similar between different states, there are some minor differences that you would want to be familiar about in order to prevent any untoward happenings and getting into the wrong side of law. There are the laws that could potentially get you in trouble if you are not familiar about them. After all, it is strongly advised that you get acquainted with these laws before you head out to drive in these states. On a number of occasions, people have been pulled over and issued a ticket for unknowingly breaking the law. After all, if you are going to be driving around, it is only logical that you should be familiar with the rules of the road in that area so you don’t cause any harm to yourself and others on the road.

    Speed differences

    Not all states have the same speed limit for their expressways. … Click here to read more

  • Driving and Traffic laws – Learning from the right sources

    by Hayden Krueger

    Despite having a driving permit, it is plausible that you might not be well versed with all the driving and traffic laws that are present in the state that you drive the most in. Hence, it becomes necessary to learn about the rules before you do so in an expensive way. The driving laws vary from one region to the other and it is imperative to know about them before you relocate. There are a number of ways in which this can be accomplished, depending on what it is that you are comfortable with. Hence, choosing the right way to learn about these laws in advance can help avoid unpleasant experiences later on. You would be quite lucky to know about all of these so that you don’t get some kind of an expensive ticket down the line.

    Going to the DMV

    Logically speaking, the best place to learn about … Click here to read more

  • Driving and Traffic laws – Ensuring you are legal while on the road

    by Hayden Krueger

    Everyone would definitely agree that there is quite no joy like driving on the road today. The feeling of freedom while on the open road is unlike any other, and probably in a league of its own. However, in order to ensure that you can continue enjoying this freedom, it is strongly recommended that you are able to operate your vehicle keeping the local laws in mind. Don’t think that the law can’t catch up to you, as you will definitely regret it when it does! By looking at some simple aspects of your vehicle as well as your driving permits, you can be assured that you can continue to enjoy driving on the road.

    Renewing your inspection

    Most states have a rule that demands vehicle owners to have their vehicles inspected annually. This is to ensure that your vehicle drives on the road in an acceptable condition and that … Click here to read more

  • Being a safe driver on the road

    by Hayden Krueger

    All of us like to think that we are reasonably good drivers and are capable of taking care of our vehicle as well as the other users of the road. But, at times, things could possibly go out of hand resulting in a hazardous situation. Hence, while operating a motor vehicle, it is highly recommended that you minimize such potential situations to as little as possible so that you don’t have to end up dealing with it and getting confused in the process. Listed below are the hallmarks of a good driver; try to follow them as closely as possible. Ensuring you know and understand the driving laws can prove to be beneficial to you as well as the other drivers on the road.

    Checking blind spots

    No matter how well versed you are with the laws of the road; it could still be quite dangerous if you aren’t familiar … Click here to read more

  • Avoiding a ticket while away from home

    by Hayden Krueger

    It is quite common to be confused when you are driving in unfamiliar territories. After all, if you are visiting some area for the first time, you might find it quite confusing to take turns and go on the right path without committing a mistake or two. While small mistakes are acceptable, you might want to avoid potentially life threatening ones. Hence, even with a GPS device, the chances of committing mistakes are still very real if you are not aware of the driving and traffic laws in the state that you are driving in. Consequently, you might want to know how to avoid these mistakes so that you are not made to pay a heavy fine. There are a couple of things that you can do in order to prevent such a situation from ever happening to you.

    Watching out for temporary blocks

    At times, if there is some … Click here to read more

  • Various Driving and Traffic Laws in Different States

    by Hayden Krueger

    There are many traffic laws to prevent accidents and to induce discipline into drivers. However, since the perception towards many laws is different, the traffic laws vary from state to state. The mandatory law in one state need not be the same in another state. However, whether they are laws or just directions, at the end of the day, it is safer if the driver follows them more for the sake of personal safety than for the law.

    Driving under influence

    Also known as DUI, this means that if a driver is driving after alcohol consumption, he or she is committing a punishable offence. Motoring under the influence of alcohol is a very serious offence, if your blood alcohol content is found to be greater than 0.8%. If it is your first offense, the fine could be up to 750 dollars. But if you repeat the act more than one … Click here to read more

  • Types of Auto Insurance Coverage For Travel Loving People

    by Hayden Krueger

    There are many different types of auto insurance coverage available. Each of these policies is designed to suit certain needs for people with different driving habits. The coverage and the insurance premiums to be paid monthly also vary accordingly.  While those who commute less in their cars often walk away with bigger discounts on the insurance premium, there are others who use the car extensively as they love hitting the road. There are many aspects of insurance coverage available for such people as well.

    Collision Damage Coverage

    If you are one of those people who use the car a lot and often hit the road, you are at a very high risk as far as accidents are concerned. There is no denying the fact. Hence a very good idea would be to go for the collision damage and accident auto insurance coverage. Collision damage repairs can be claimed when your … Click here to read more

  • Often Ignored Factors That Can Get You Auto Insurance Discounts

    by Hayden Krueger

    There are some factors that are often ignored when it comes to obtaining discounts from auto insurance providers. Hundreds of dollars can be saved every year by policy holders on auto insurance if they could use certain factors to their advantage and convince the insurance providers that they are much safer bet. Unless they claim for the discounts by providing the right details and proofs, insurance companies are not going to reduce the premiums. Hence policy holders should make sure they negotiate using the right terms and consider all the factors which are likely to influence their profile.

    Geography of the location

    On paper, the same amount of insurance coverage should cost the same for all policy holders. However, the risk varies a lot. The chances of a car accident are much higher in a congested city or a route that goes across mountain curves than in case of sparsely … Click here to read more

  • Five Ways in Which You Can Save on Car Insurance

    by Hayden Krueger

    Car insurance often proves to be very expensive. To reduce the monthly premium for the insurance, many car owners go for lesser coverage. This could prove very dangerous in the long run given that car damages cost a lot to repair. However, instead of going for lesser coverage there are many other ways of saving on your car insurance. That way you can keep the cake and eat it too. Insurance companies want to make profit and it is more profitable if you are someone who has very less chance of claiming for damage but will pay the premiums regularly, compared to someone who claims a lot of coverage.

    Combine with house insurance or second car insurance

    If you have two cars, you can actually save on the insurance by combining both of them. Since you are doing more business with the insurance provider, you are likely to get a … Click here to read more

  • Factors Considered by Auto Insurance Companies Before Deciding the Rates

    by Hayden Krueger

    There are various types of coverage provided by auto insurance companies. Coverage is provided for accidental damage repairs. Coverage is also provided for medical expenses in case of accidents. Auto insurance companies also provide coverage for theft. However, the insurance premium is not the same for everyone. The rates vary from person to person based on various factors.

    Age of the Car owner

    Interestingly, the insurance premium depends on the car owner. Housewives and seniors are less likely to drive the car a lot. Hence the chances of accidents and thefts being much less, the insurance premium too would be less. The premium is found to be the highest for middle aged working men who seem to use the car the most and hence are the riskiest age group for insurance providers.

    Credentials of the insurance policy holder

    The credentials of the insurance policy holder also influence the insurance rates. … Click here to read more