Auto Insurance Guide Archive for 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

• What You Need To Know About New York Auto Insurance

  by Hayden Krueger

  What You Need To Know About New York Auto Insurance

  Auto insurance laws and requirements vary from state to state not to mention its complexity that normal people like you and me, find difficult to understand which includes the types of coverage to choose from, ranging from full liability insurance to personal injury protection.  There are also states that only require liability insurance as their minimum coverage while some made them entirely optional.

  If we are going to talk about who is the strictest state in the U.S. when it comes to auto insurance then that would be New York. If you want to drive around New York, then you must have the minimum required liability as mandated by the state law. Additionally, the New York Division of Motor Vehicle requires that each driver should carry a copy of his proof of insurance, at all times, while driving.

  Understanding the … Click here to read more

• What to Do When Your Insurance Claims Are Denied

  by Hayden Krueger

  Not only it is illegal, having no car insurance coverage could put you in a very awkward situation if you are caught in an accident with nobody to turn to.

  Auto insurance is a legal binding contract between you and your insurance company. If you are the victim, the law specifically mandates that you be indemnified. Assuming that you have lived up with this contract, and all the legal aspects ironed out – we see no point of your claim being denied.

  Your claim may be denied if the insurer finds out that you have violated and committed illegal activities that have resulted in the collision. For instance, it is illegal for most states to use your mobile phone while driving. Granting that this law has not fully acted in your region, it pays to know that more states are passing similar laws to prohibit the use of mobile phones … Click here to read more

• Want To Find The Lowest Insurance Rates? Compare and Contrast

  by Hayden Krueger

  If we talk about insurance, Michigan is not holding the top spot for being the most expensive city to insure a car – that place belongs to Louisiana. However, the recent changes made on Michigan’s auto insurance laws have catapulted the auto insurance price by allowing the insurance companies to increase the price coverage for injuries and property damages. This has brought Michigan into the limelight and landed on the second spot as the most expensive city transforming the lives of the economically traumatized people to become even more difficult.

  The “no fault” insurance law may have contributed partly to Michigan’s problem. The same law exists in Florida, Kentucky, Minnesota, New York, Utah, Pennsylvania, North Dakota, New Jersey, Kentucky, Kansas, Hawaii and Colorado. The “no fault” law means that regardless of who instigated the accident, you or the other party, could still file a claim to your insurer up to … Click here to read more

• Types of auto insurance policies in the state of California

  by Hayden Krueger

  There are a wide range of options to choose from with regard to auto insurance in the state of California. But before going for any one type of insurance policy, it is always better to be informed about the various types of policies available in order to make a decision as to which one would best suit your needs.

  The most common type of auto insurance policy in the state of California and the whole of the United States of America in general is the third party insurance policy or limited insurance coverage policies. Such policies are basically taken just to conform to the laws of the state. Or in other words, these policies will satiate the basic liability limits in the state. The basic liability limit for injuries or death sustained by an individual in an accident is $15000 and for all the people involved in the same accident, … Click here to read more

• The Careless And The Cautious: The Battle For Low Cost Insurance

  by Hayden Krueger

  Undeniably, teen drivers are the careless brats, easy-going, bring along many noisy and rowdy friends and get easily distracted. On the other hand, the senior drivers are the careful and cautious type, which leads to the assumption that they deserve a low cost insurance – right? Many insurance companies could not answer “yes” or “no” – for a few good reasons.

  Insurance companies offering home or life insurance are basing their insurance computations on a more stable and predictable element. For instance, underwriters will likely to use the genetic history, health or lifestyle to determine the lifespan of the policyholder. Likewise, in the case of home insurance, insurers will consider the probability of wildfires, earthquakes or flooding in setting up the rates.

  As they say, you cannot compare orange from apples or home from auto insurance. Both are used to cover losses but works entirely different from the other. Auto … Click here to read more

• Seven More Ways To Uncover For Cheap Auto Insurance in Indiana

  by Hayden Krueger

  If you are living in the State of Indiana or planning to live there, then it is important for you to understand how the auto insurance industry works in that place. Different states have different sets of rules and it pays to know them beforehand.

  The first thing you need to ask is whether you are getting the cheapest rates or putting a big dent on your wallet. If what you are experiencing is the latter one, then here are the seven guidelines you can use to find an affordable insurance right away.

  Train the teenagers. Auto insurance companies will love you if you purchase insurance for trained drivers. This could axe out a big chunk of discount from your current rates, not to mention if the teenagers have good grades as well. When the semester ends, make sure that you update your data especially if there are changes in … Click here to read more

• Secrets You Need To Know To Buy Cheap Auto Insurance In Virginia

  by Hayden Krueger

  When we talk about auto insurance, we mean paying a hefty price each month for the things we hope will never happen in the first place – that is the security of our life and property as well.

  If you own a vehicle, having an auto insurance is one of the required things that you must have. With that, you now have the option to choose what type of insurance policies you want and to want extent you are willing to spend for them. Still, a lot of people do not fall anywhere near this situation and for the many, having best coverage with the lowest impact on their wallets is always appreciated. If you are one of them, then read on because this article was written for the drivers like you.

  Did you know that when you drive slowly, you could actually save money? That is right, and not … Click here to read more

• Points to remember while applying for California Auto Insurance

  by Hayden Krueger

  Getting a California auto insurance quote is not an easy task. There are many points to remember while going about deciding which particular insurance policy to go for in California. We shall discuss a few salient points about auto insurance in California.

   

  California is a very large and prosperous state in the United States of America. Apart from the sheer size of the land area and the population, it must be taken into consideration that the population is also one of the richest in the United States. It was said that if California were a country, it would be the 7^th richest in the world around a couple of years back. Due to such an affluent population, the number of cars is bound to be high. And the number keeps on increasing year after year without an indication of slowing down in pace. Even the value of the cars … Click here to read more

• Minimum auto insurance requirements in Southern California

  by Hayden Krueger

  Like every other state in the United States of America, the state of California also has a set of minimum requirements when it comes to auto insurance requirements. The following are a list of the basic liability requirements in the state and the region of southern California in particular:

  1. Bodily injury liability or BIL is the coverage per person for any injuries or death resulting from an accident. The minimum coverage required for bodily injury or death for an individual is $15000. But if you are labeled a safe driver with a high credit score, you can be eligible for a low cost auto insurance policy which will allow you to have a basic coverage of just $10000.

  2. Total Bodily Injury Liability (per accident coverage) is $30,000 in the state of California. Again, with low cost auto insurance coverage you can get it to as low as $20000 … Click here to read more