Auto Insurance Guide Archive for November, 2010

  • Driving and traffic laws in Wyoming you need to know

    by Hayden Krueger

    The law is an important part of structure and peace in every society. If we did not have regulations about what is acceptable behavior and what is not, everybody would just go over the bounds and break all the rules. When you know about the rules you should follow when in Wyoming you can make sure you are on the right side of the law and do not get a ticket or get fined or jailed by making a mistake. Insurance is just as important, no matter which state you are in. The coverage may vary for various situations but of course you should have minimum insurance in case you are ever in an accident.

    When you know the rules about driving through Wyoming State you get to make sure you are on the right side of the law. The driving regulations here are regulated by the state department for … Click here to read more

  • Determining Auto insurance rates in California

    by Hayden Krueger

    There are a number of points based on which auto insurance rates are calculated in the state of California. We shall discuss the few salient factors based on which auto insurance rates are calculated,

    • Firstly, it depends on ones credit history. A credit history is a record of all your financial transactions over a period of time. The credit record goes back to eight years and is maintained by one of the three credit bureaus. The credit record is kept in the form of a score which is called the credit score. you credit score will again depend on factors such as whether or not you repay your debts in time, your debt to credit ratio, and also your outstanding loans and mortgages.
    • You insurance rates will also depend on the make and model of your car. If your car is a modern car with several safety features like anti
    • Click here to read more

  • Cheap Auto Insurance in Nevada: Is there such a thing?

    by Hayden Krueger

    People in the U.S. basically purchase auto insurance for two main reasons. First, because auto insurance is compulsory in almost states and they could be facing hefty fines for not having one. Second, auto insurance frees the driver from all future financial obligations and therefore giving him, a peace of mind while driving at all times. When unfortunate things do happen, the insurance company will be the one to facilitate payments to the grieved party.

    The benefits of auto insurance is immeasurable, however nobody wants to pay a lot for a good insurance coverage. So, what the average Joe’s and Jane’s are looking for are the best insurance coverage they could get without making a big dent on their wallets. The question is will they find one? At first, these types of insurances may seem impossible anywhere; however there are policies that have been proven to do the same with … Click here to read more

  • Average Price of Auto Insurance in Washington DC

    by Hayden Krueger

    One cannot have a thumb rule for most of the people for auto insurance. It will vary due to numerous factors. It may not only be determined by the type of automobile one owns but also the locality where one resides. The place where one lives does make an impact on the premiums; if one happens to live in a rural part of the country then the premiums will be comparatively lesser than a city dweller. As it is considered that the risks of having an accident is more when there is more traffic on the roads. 

    Insurers determine the cost of premiums by considering a variety of pertinent factors that include the driver’s age; however, the major concern is assessment of the risk that they will have to pay a claim.

    The major concern for an insurance company is the amount of money they will have to bear in … Click here to read more

  • Auto insurance policies in the state of New Jersey

    by Hayden Krueger

    Any vehicle which comes up for registration in the city will have to be insured against   accidents and other mishaps. The type of policy which covers only the liability is to be taken only as a last resort because it does not cover the damages to ones car nor the personal injury it takes care of only the other   party who may be involved in an accident. The best policy which is called the standard policy covers liability, personal injury as well as the other party who may be uninsured. It is better to be covered by the standard policy than to be partially insured

    The decision of selecting the right insurance policy lies with the customer. They must take their time and decide which the better option is by understanding what exactly will be covered in that particular policy when one gets involved in an accident. According to the … Click here to read more

  • Auto Insurance – For New Immigrants to New York City

    by Hayden Krueger

    When you relocate to a new country like the USA the first thing that may cross your mind is how to commute? If you are going to live in a smaller city than the first thing you will need is your own transport. Where as if it’s a bigger city like New York, which has a vast network of easily accessible public transport than it is not necessary for you to own one. Having thought of driving, you will have to acquire the required driving license and the next step is to think of owning a car. While contemplating on which car to buy you will also have to find the best possible auto insurance as it is mandatory for all cars and vehicles to be insured for unwarranted accidents or loss.

    If you are an immigrant and are new to a place then you will naturally turn to your Click here to read more

  • Are You In Favor Of Raising The Minimum Driving Age Limit To 18?

    by Hayden Krueger

     Teens, pay attention here.

    Insurance Institute for Highway Safety (IIHS) was established in 1959. Its main function is to lessen the accidents related to motor vehicles. Aside from that, the agency also conducts research and gives ratings to consumer products that will help reduce the fatalities during accidents. For the past few years, the agency has been actively promoting the creation of a national legislation that would crank up the age limit for any driver to receive his first license – and that is 18.

    IISH is not alone in this campaign as many traffic experts vowed to promote the creation of similar legislations to raise the age limit to 18. Under the said law, any state found to continue letting their minors (18 and below) to drive their car will be penalized by cutting off federal highway funds.

    For many parents, this law is a heaven-sent but for a … Click here to read more

  • Another Money Saving Tips For A Cheap California Auto Insurance

    by Hayden Krueger

    California is an expensive city and that includes its auto insurance industry.  Because of it, people continue to drive around without any insurance policies and that could buy them unnecessary fines and penalties and worst imprisonment. If you are seriously looking for ways to reduce your monthly premiums, then this article is for you.

    The ultimate goal to find a low cost insurance is to find the maximum coverage offered with the least price to pay you can get. To better understand this situation, let us consider that for many years we maintained a clean driving record, without speed tickets and fines, and that made us eligible for discounts as a safe driver.  This assumption could be true but not entirely correct because there are other factors that will affect the calculation of insurance rates such as the mileage, location and the security features installed in the car to name … Click here to read more

  • A quick guide to New York Auto Insurance

    by Hayden Krueger

    Liability requirements for New York Auto Insurance

    In case an auto accident caused by you results in bodily injury to another person  or persons and /or the accident caused by you results in property damage, then you will be required to pay the other party for the losses sustained. This is called liability coverage which includes the legal fees that you will have to pay in case of a law suit to defend yourself.

    This liability coverage is paid to the person who has been injured by you which is the maximum amount, then there is the amount paid to the injured for the bodily injury /per claim, then there is the amount you have to pay for the damage of the property caused by you. This coverage is defined by three numbers, which is 100/300/100.the first number refers to $100, 000 that is the maximum amount paid for bodily … Click here to read more

  • 5 More Ways To Reduce Your Auto Insurance Costs Kansas

    by Hayden Krueger

    The cost of auto insurance in Kansas is always on the rise and that is why many people are looking for means to cut down their current insurance rates. No matter how much you are paying now, the good news is that, you can actually reduce it as much as 50% by just following the easy, simple and proven strategies that have worked for many people and should work for you as well.

    If your vehicle is equipped with state-of-the art safety features, then you are entitled for a discount. Safety features include but not limited to air bags, automatic seatbelts, anti-theft alarms and monitoring system, ABS and traction control. Write down all the safety features found in your car and mention them to your insurance company.

    Changing your deductibles will have a tremendous impact on your insurance premiums. Most auto insurance companies offer Collision and Comprehensive coverage for your … Click here to read more