Auto Insurance Guide Archive for 2010

• Looking For Cheap Auto Insurance In Michigan? Here’s How You Get Them

  by Hayden Krueger

  If you are living or planning to live in Michigan, then you will be required to have a car insurance. Right from the start of registering your vehicle, you are obliged to get a liability and/or personal injury coverage.  Indeed, you are not permitted to drive anywhere in Michigan without an auto insurance and if you do so, will buy you some troubles and fines and unnecessary headaches should you encounter accidents along the way. 

  For many years now, drivers are frowned from the ever-increasing rates of auto insurance in this area. The need to find alternative yet cheap auto insurance becomes the outmost concern for many car owners. The question remains as to how you are going to do that.

  Before delving into anything, we need to understand what you need and why are you buying that. If we talk about liability, it means that the amount the insurance … Click here to read more

• Living In Texas? Understand Your Minimum Insurance Coverage Requirements

  by Hayden Krueger

  Many people love the State of Texas and spent most of their lives there.  Like any state in the U.S., all drivers are also required to get an insurance coverage – at least, the minimum liability coverage.  Of all the types of insurances around, liability auto insurance is considered the most important one.  This particular type of insurance shoulders all the expenses, from medical to property damages, of the fault party.

  The State Law of Texas mandates that all drivers must have a sort of protection when accidents do occur.  If you living in Texas or perhaps in another state, it is imperative that you understand the basic of auto insurance in this place and how it will affect your driving life in the future.

  Texas auto insurance law requires $20,000 coverage for bodily injury per person, and $40,000 for others incapacitated during the accident.  Bodily injuries refer to the … Click here to read more

• Legal Auto insurance specifications in the state of California

  by Hayden Krueger

  In the state of California, each and every one of the auto insurance companies are governed by the California department of auto insurance or CDI. The California department of auto insurance regulates the companies and ensures that they cater to the needs and requirements of customers throughout the great state of California.

  There are many car insurance companies in California that provide safe and reliable service to individuals round the clock. Many companies have in fact started out sourcing their customer service centres to other destinations which ensure that the customer is provided friendly service throughout the day. This is very helpful because there might be situations in which you may need their help in the middle of the night given the fact that it is not possible to predict when and where one might end up in an auto accident. In such cases, you will need to immediately file … Click here to read more

• Legal Auto insurance requirements in Wisconsin

  by Hayden Krueger

  The state of Wisconsin in the USA is located in the northwest region considered as the Midwest belt. Being the largest state in Milwaukee it’s been home to a lot of different cultures and people. With tourism a big part of its economy it is a state which has a lot of people coming in at all times throughout the year. Like any other state this one also has certain areas of the law which infringe some very stringent rules while others are still more lenient. It is important to know where you stand to be able to deal with any situations you may across while in the state of Wisconsin. With a large number of accidents increasing and a lot of people being found intoxicated almost all states have a limit for blood alcohol content of 0.08%. Wisconsin had a limit of 0.10 % which was under pressure to … Click here to read more

• Impact of low cost California auto insurance

  by Hayden Krueger

  Under recent changes made under the California low cost auto insurance program, the minimum liability limits have been reduced further. This has been done with a view to make auto insurance more affordable at times when people are not sure about whether or not they can retain their jobs over the next month given the prevailing economic situation. Before the change, the minimum coverage for personal injury or death was $15000 per person and $30000 for all the individuals involved in the said accident. And in order to cover for property damages, a minimum of $5000 was required.

  The minimum liability limits under California state law was already very low, but in the year 2009 it was further decreased. Since that year, the state reduced the personal injury liability to $10000 per person injured or dead in the accident. And for the accident as a whole it is $20000 for … Click here to read more

• Identifying The Factors That Could Influence Your Auto Insurance Premium

  by Hayden Krueger

  Florida has the busiest streets across the United States and expensive auto insurance as well. If you want to know why you are paying that much and one of your friends is not, then this article will show you why.

  There are many factors that will influence the calculation of your insurance rates, the driving record and the vehicle itself to name a few. There are people who drives around with cars with all the safety features installed but the driver records are just outrageous. There are also drivers out there that drives with the most exotic and expensive cars in the planet and yet achieved to maintain a spotless record. Again, there are drivers out there who are in between the spectrum and in all places. Because of the so many variations from the cars to the drivers, auto insurance rates are calculated differently.

  Each insurance company has their … Click here to read more

• How To Reduce Your Auto Insurance Rates In Illinois

  by Hayden Krueger

  Are you in the State of Illinois and wanting to reduce your insurance rates? Amazingly, here are few tips that worked for me and will surely work for you too, to find the best deal of auto insurance in your area. What we are going to discuss here is how to find affordable insurance rates in IL and find that perfect company who can offer the right coverage with the cheapest price.

  In the U.S., each state differs from the other when we talk about auto insurance. Illinois has its own sets of requirements that you need to comply if you want to drive around the state. The State Law mandates that all drivers be required to have a liability auto insurance. This policy takes care of the expenses incurred during the accident by which you are at-fault.

  The minimum liability coverage of IL auto insurance is set to 20/40/50. … Click here to read more

• How to get cheap auto insurance policies in Wyoming

  by Hayden Krueger

  Wyoming has seen a steep increase in the number of cars in the state over the last decade. This was largely due to the economic boom over the previous decade when people made enough to be able to splurge later. With an increase in the number of vehicles on the road, obviously the number of accidents taking place has also increased. Hence the need for an affordable auto insurance policy has become all the more important.

  Getting an affordable insurance policy is very important because of the fact that insurance costs are a large part of the maintenance and running costs of a car these days. With an increase in the number of auto insurance frauds and also the number of accidents, the cost of insuring your car has also gone up.

  The first thing that you need to realize is that no one company is going to be the … Click here to read more

• How To Conveniently Buy Auto Insurance In Virginia

  by Hayden Krueger

  Virginia’s State law requires that each drive must have a some sort of insurance coverage to pay off the financial responsibilities. This would mean, that if you drive around VA, you need to have at least a minimum liability coverage or certain proof that you will be able to settle expenses should you involve yourself in an mishap.   This law further restricts drivers to caution from over speeding and other untoward behaviors that could ultimately lead to an accident.

  The financial responsibility extends to three main options.

  It is obligatory that your vehicle must be registered to an authorized insurance company serving the VA area and must have at least the minimum liability coverage.

  The second option would be to pay off $500 to the Virginia Department of Motor Vehicle for the Uninsured Motor Vehicle fee. In short, you are legally allowed to drive in VA at your own risk … Click here to read more

• High risk auto insurance in the state of California

  by Hayden Krueger

  There is a class of drivers who are deemed to be high risk individuals under California state laws. If a driver is deemed to be high risk by the California department of motor vehicles, he or she has to get high risk insurance. The next obvious question would be how a person would get such a classification. This sort of classification is reserved for individuals who have multiple traffic infractions, accidents or DUI charges against them. The name of the insurance policy which covers high risk individuals is SR-22 in the state of California.

  The duration for which you need to be covered under this sort of insurance policy is three years. The department of motor vehicles will keep in touch with your insurance provider for the whole period of three years. This is to ensure that you stay insured with that particular insurance policy for the said period.

  In … Click here to read more

• Getting The Best Auto Insurance In Montana

  by Hayden Krueger

  Montana is a beautiful state and at the same time requires each driver to carry liability insurance at all times.

  Accidents are everywhere and that is why most U.S. States impose stricter laws when it comes to car insurance. Auto insurance protects everyone from the potential monetary losses due to accidents. Car insurances are also widely available for anyone who wants to protect his life and properties, and for the recovery of the said possessions. People are buying all sorts of insurance policies to protect their cars, trucks and other vehicles to evade the hassles. In order to serve the varying needs of the masses, auto insurance companies have created several forms of insurance policies to cater to these needs.

  Each insurance company starts out by asking what the specifics a potential customer is looking for. After which, the results should be evaluated and thorough analysis of the proposals should … Click here to read more

• 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