Auto Insurance Guide Archive for December, 2010

• Cheap Car Insurance: Are You Entitled?

  by Hayden Krueger

  When we talk about research, we mean we investigate, examine the facts, and eventually come up with systems and methods to advance the human knowledge on that particular field.

  There is one certain rule in research that states that at one point in time, somebody must have done exactly the same research you’re doing today yet both of you came up with entirely different conclusions. The bottom line is who is worthy to acquire cheap auto insurance rates? Will it be the seniors or someone in his thirty’s?

  For many years, insurance companies have always considered teen drivers as catalysts of car accidents. Based on facts and figures, this claim holds true. Teen drivers get easily distracted; do some foolish tricks on the road, less driving experiences and most of all downright traffic violators. In contrast, mature and senior drivers are tested by time and careful on the road.

  Unable … Click here to read more

• Car Insurance, Alcohol and You

  by Hayden Krueger

  First thing first, the only way to drive your car safely is when your alcohol level is zero.  In most states though, as long as your alcohol level is below 0.08 then you are on the safe zone – no one can charge you with DUI. However, if you encounter an accident you will still be facing serious consequences from your insurer, even if no one is hurt or property damaged during the mishap.

  Whether the law enforcement is interested in your case or not, then that would be a different story.

  One unique Florida Case

  John, a young driver, was driving along a not-so busy highway when he suddenly lost control of his car, ran off the road, and suffered total wreck. The good news is that John is safe and emerged with minor scratches only. Other than his car, no other person or property was involved – lucky … Click here to read more

• Understanding Car Rental Insurance

  by Hayden Krueger

  If you are being offered to purchase car rental insurance, would you buy it? Well, normally you would not. But did you know that there are cases where car rental insurance is needed? If you are on this shoe or just interested to know more about car rental insurance, then read on.

  When Not To Buy Car Rental Insurance

  People rent vehicles all the time for few good reasons. It could be that their own vehicle is currently being serviced, going for a vacation, wanting to drive around in a foreign country or just about anything.

  Now, if you already have an insurance, then there’s no need for you to buy additional car rental insurance because normally, you are already covered. Also, if you use credit card to pay the bills, the liability is normally shouldered by your card issuer. However, because majority of the policyholders do not know about … Click here to read more

• How to Get Cheap Insurance Quotes for Young Drivers

  by Hayden Krueger

  Would you believe if I told you that cheap insurance quotes for teen drivers are still very much alive these days?

  First, we need to define what a cheap insurance is and what is not. The term cheap is relative to the driver. For some, spending $150 a month on their car insurance is a pocket change while others struggle to come up even one third of it.

  Insurers rely on a table to compute how risky a driver is. They call it the actuarial tables, and it is made up of some complex algebraic equations use to determine insurance rate.  While we could not do anything about the high insurance rates associated for being a teenage male driver, we however could find ways to minimize it a bit, for the very least.

  Professional Training

  Professional driver’s training is supposedly a part of our public school training system. However, due … Click here to read more

• How to Find A Low Cost Car Insurance Rates

  by Hayden Krueger

  There is nothing quite like driving your car and knowing that you paid less on your car insurance. For those who are looking for ways to reduce their car insurance rates, below are some tips for you.

  Ideally, the one who gets the lowest insurance rate is a mature female, driving in a four-sedan car equipped with the latest anti-theft devices, 800 credit score and above, and a squeaky-clean driving record for like 30 years. Undoubtedly, if you are, then expect car insurers to give you the best and lowest insurance rates on earth!

  The reason is quite simple; it is what the actuarial tables are showing to the underwriters. This person will have the lowest risk of an accident and that filing an insurance claim is highly unlikely. Insurance companies love people when they do not file a claim; it is how they make money. The more like her, … Click here to read more

• How to Control Your Auto Insurance Costs

  by Hayden Krueger

  People love to complain about how much they are paying for their auto insurance rates, when, in fact, affordable auto insurance is readily available for anyone. Being a smart driver is all what it takes. Although the term “affordable” is relative to the driver, the type of vehicle he is driving and the location where he drives, we see no reason why many drivers continue to enjoy lesser rates while others could not. Did you know that some of them are enjoying as little as $30 a month?

  In order for you to take advantage of discounted rates, you need to understand how insurance provider compute the costs.

  Insurance providers use actuarial tables to determine your insurance rates. These highly complex algebraic equations could compute the probability of a driver to be involved in an accident. Actuarial tables are not based on prophecy and are not fair all the time, … Click here to read more

• Auto Insurance Issues: Going To College

  by Hayden Krueger

  When your child goes to college, many things will have to change. For instance, if the school is within your local community and he continues to live at home, not many changes will occur except that he will be enjoying a much lower rate considering that he is legally an adult now.

  But what if you are sending him to a university or college that is 100 miles away from home? Would things change, as far auto insurance is concern? Apparently, there are things that your child can control with, such as avoiding traffic violations and citations, while there are those that will simply have to deal with.

  Understanding the Real Issues                                   

  What most parents do is they take out the child’s name under their policy, and acquire a new one for him if he decides to take the vehicle with him. The problem begins when the school is located … Click here to read more

• What You Need To Do To Lower Down Your Arizona Auto Insurance Quotes

  by Hayden Krueger

  Undoubtedly, many drivers in Arizona are spending excessively on their auto insurance from what they are required to. If you are feeling tired and sick paying high premiums, then here are some secret sauces to get the low premiums that you deserve. Having an ideal insurance coverage to protect you and your family is our main goal.

  Basic liability car insurance is also known as the minimum auto insurance required for each state in the U.S. that you ought to have. In order to drive legally, and with peace of mind, each driver should carry this minimum requirement at all times.

  In the state of Arizona, the cheapest auto insurance a driver could carry is the 15/30/10 minimum liability coverage. In layman’s term, it means that the insurance company will be able to shoulder $15,000 for bodily injury (per person), up to $30,000 per accident limit and $10,000 to pay … Click here to read more

• What You Need To Do To Lower Down Your Arizona Auto Insurance Quotes

  by Hayden Krueger

  Undoubtedly, many drivers in Arizona are spending excessively on their auto insurance from what they are required to. If you are feeling tired and sick paying high premiums, then here are some secret sauces to get the low premiums that you deserve. Having an ideal insurance coverage to protect you and your family is our main goal.

  Basic liability car insurance is also known as the minimum auto insurance required for each state in the U.S. that you ought to have. In order to drive legally, and with peace of mind, each driver should carry this minimum requirement at all times.

  In the state of Arizona, the cheapest auto insurance a driver could carry is the 15/30/10 minimum liability coverage. In layman’s term, it means that the insurance company will be able to shoulder $15,000 for bodily injury (per person), up to $30,000 per accident limit and $10,000 to pay … Click here to read more

• How To Reduce Your Auto Insurance Costs When You Are Living Nevada

  by Hayden Krueger

  The complexities of insurance policies, not to mention those hard to read fine prints, are giving people the headache of their lives. To add to those are the skyrocketing monthly insurance payments that must be paid. If you are one of those, then you are not alone. Finding ways to reduce the monthly premium payments are a good idea, but how do you exactly do that? Here are few and easy to follow ways to start with right away.

  Shopping for merchandise and rushing in to stores offering discounts is no longer a new thing. Everywhere you see discounts and that include the insurance companies. Each insurance company is unique to the other when it comes to their quotes. Always try to scrutinize and ask if there are fees indicated in your cost that you do not understand.  You might be shouldering additional fees that you should not in the … Click here to read more

• Things You Wanted To Know About Auto Insurance In Arizona

  by Hayden Krueger

  Every single driver in Arizona would agree to me that it is sometimes hard enough to keep up with the monthly premium payments, and it gets even harder and complicated trying to understand and gather insurance quotes. Having said that, you still need to shop around if you want to get the best auto insurance that you want. I have a few tips for you that will save your time and money, sound decision making and above all avoid the guilt in the future.

  If you are in Arizona, you do not need to register a vehicle that you do not use. For instance, if you are keeping a car in your garage or a newly restored car, insurance will not be necessary. Still, you need to report them and apply for an out-of-use car exemption from the Arizona Motor Vehicle Division. Without a doubt, this application will save your … Click here to read more