Auto Insurance Guide Archive for January, 2011

  • The basics of getting cheap auto insurance policy

    by Hayden Krueger

    Present life scene requires people to be on the fast lane and everybody seems to be short of time and in one hell of a hurry. This can be attributed to pressure from multi tasking on the professional front, social obligations and always the home pressures. With the fast way of life comes transporting from one place to another in short period of time and in short notice. So many car borne people in great hurry to accomplish their individual task may lead to unexpected mishaps resulting in human and property damage. so it has become undoubtedly apparent that apart from having life insurance policies it is also important to have auto insurances in order to compensate for damages coming out of driving a car.

    There are scores of insurance companies offering auto insurance varying in coverage and liability. If you are a person having a car or about to … Click here to read more

  • Auto insurance – the necessity of auto insurance

    by Hayden Krueger

    A study done by the Insurance Research Council shows that more number of people are avoiding to take any auto insurance cover so that they can save money. This fact is attributed to the growing unemployment in the country and if this scenario persists the number of uninsured auto drivers will witness a steep climb. With so many people driving without insurance cover the outcome may be disastrous.

    Auto insurance cover is a must in all the states in the US excepting one or two. But how much insurance is required for protection? This depends on your affordability and you can start with the minimum insurance cover required by the state you are living in. But this may prove insufficient to cover the damages at the time of filing a claim. It is always wise to get more than the minimum insurance cover for your car, unless the vehicle is … Click here to read more

  • What New Drivers Should Know

    by Hayden Krueger

    If you’re a new driver or planning to drive anywhere in the United States, you need to know some general points about auto insurance in order to drive legally around the country.

    Apart from having health, home and life insurances, driving a vehicle requires you to carry auto insurance coverage. All states imposed this law but to varying degrees or minimum liabilities. If you’re caught driving without auto insurance, the result can be a major discomfort. Your vehicle will be seized, tickets or fines issued and possibly arrested. Hence, before driving any vehicle, make sure that the insurance documents are ready in case of sudden inspections.

    If you own a brand new vehicle, obtain auto insurance first before hitting the road. In case where you’re not the original owner, request for transfer of policy from the original owner to yours. It should not be a difficult process as long as … Click here to read more

  • How Much Auto Insurance Is Too Much?

    by Hayden Krueger

    You may be wondering right now how much auto insurance you should have. We’ve been told gazillion times that the more coverage we packed in, the lesser the chances of future financial setbacks.  The only problem is that your budget for this year is relatively low. If you were one of those people who are trying to make ends meet, naturally, you’d want to know how much is too much.

    Many factors are considered before we can decide how much auto insurance is too much.  Keep in mind that different individuals have different requirements, and so what works for me might not work for you.

    The most common factors involved when deciding are the following: the desired amount of deductible, place of residence, the type of vehicle or customizations applied (such as upgrading of stereo system, painting), etc. Additionally, you might want to consider the six elements below to aid … Click here to read more

  • Distracted Driving Could Raise Your Insurance Premiums

    by Hayden Krueger

    Many people fall short into realizing that distracted driving is one of the many reasons why they don’t get the highly sought after affordable insurance rates.  Statistics indicate that people are highly vulnerable to accidents because they are either too busy attending phone calls or i-pods while driving.

    However, if you talk to these people, you’d certainly get a unanimous opinion that behind-the-wheel activities should not happen in the first place. Unfortunately, only few of them follow their own advice, hence, the increasing number of car accidents continued to happen all year through.

    A recent report released indicates that Canadians get distracted a lot on the road than their counterparts in the south – the Americans. Why is this so? Let’s find out.

    Canadians and Americans share many similar things from language to culture. However, certain distinct differences exist between these two great nations. For one, Canadian citizens tend to … Click here to read more

  • Auto Insurance: More than Just Being Mandatory

    by Hayden Krueger

    Gone are the days when you could just count the cars that pass by in front of you. Each year, thousands of cars are being added to the already crowded metropolitan roads. For this reason, driving without insurance coverage is a serious offense and anyone caught without one could face serious penalties or possibly lose their driver’s license forever.

    Authorities know that auto insurance coverage could protect you financially. Countless people have lost everything because they simply ignore the importance of insurance. Auto insurance protects your hard-earned money whether or not the accident is your fault or the other party. In this article, we are going to discuss the two common classes of insurance: personal injury and uninsured motorists’ insurance coverage.

    Understanding Personal Injury Protection

    Regular and full are the two flavors of personal injury protection. As of today, not all states in the U.S. implement or require personal injury … Click here to read more

  • Alternative Ways to Save Your Money on Auto Insurance

    by Hayden Krueger

    When it comes to shopping, everyone wants to save money. In this article, we’re going to discuss few more ways, apart from shopping, that could potentially slash down your current insurance rates. While it’s true that you could save a few bucks by collecting quotes after quotes from different insurers that doesn’t mean you’re actually comparing apples to apples.

    So, what’s going to be the next move? Do you honestly think that searching for affordable insurance rates is already enough? To make sure that you’re moving into the right direction, keep these things in mind at all times.

    Choice Paperless Transactions – Did you know that you could save as much as 10% if you choose to go paperless? What this means is that instead of filling out tons of paper, use the Internet in purchasing your insurance policy. Luckily, major insurance companies in the U.S. are strong advocators of … Click here to read more

  • Secret Tips to Affordable Driving

    by Hayden Krueger

    Imagine yourself paying expensive auto insurance each year. Think about how much trouble and discomfort it brings to your finances. What if you could change all that and next year, you’ll be paying less premium but still keeping the coverage that you’re enjoying.

    Many drivers in the United States are looking for ways to cut the amount of money spent on their insurance coverage. And, since you’re here, allow me to discuss couple of tips about affordable driving. Is this really possible? We’ll find in just a moment.

    Finding an affordable insurance is not a rocket science. It’s pretty straightforward and anyone can do it without much difficulty. However, keep in mind that most of these tips do not just magically appear in front of you. In fact, anyone who tells you that you can avail of heavily discounted prices without even lifting a finger is probably lying to you.… Click here to read more

  • Online Insurance Buying Guide

    by Hayden Krueger

    It’s illegal for anyone who drives car anywhere in the United States without having at least a minimum coverage protection. This is the reason why many people are buying auto insurance these days either through conventional ways or from online insurance agents/websites.

    Online shopping is the new talk of the town. Buying goods from the Internet saves time, money and of course, gas. You can do it in the comfort of your home irrespective of time. Once the transactions are completed, delivery comes next the following day or so.

    But what if you’re interested in purchasing insurance policy, would this be possible? Well, the short answer is yes. All these years, people are buying plane tickets online and the insurance industry works the same way as well. However, if you find it rather overwhelming, you’re not alone. Apparently, some of these websites were not meant to be used by the … Click here to read more

  • How to Choose a Top Rated Insurance Company

    by Hayden Krueger

    We have been told that in order to save money on insurance premiums, we must do comparison-shopping before signing the dotted line. Aside from that, choosing the right company to do business with is as crucial as the policy itself. Making a wrong decision at this early stage could become an expensive mistake later on.

    So, how do you choose the right company? The selection process is time consuming and confusing if you don’t know what you’re looking for. On the other hand, doing simple research solves this dilemma and you’ll be able to pinpoint which one is the right one for you. In order to come up with a probable list of top rated insurance companies, here are a couple of things you might want to consider checking around.

    Ask your friends or relatives about their individual insurance companies. This information can be a gold mine as it saves … Click here to read more

  • Car Accident Induced-Coma: Insurers Can Help You

    by Hayden Krueger

    According to our reliable sources, the Coma Recovery Association and auto insurance companies, car accident is the number one reason why people succumb to coma. Each year, more and more people suffer weeks, months or even years of comatose state following a severe accident that might have caused severe injuries to the head or brain.

    Unfortunately, most coma victims, as soon as they wake up could not remember anything what had happened to them. In return, no lawsuits are filed against the fault party or if there is, usually a very difficult one to accomplish.

    Not all head injuries result to coma but only those times when the brain experiences severe pressure. If brain swelling or herniation were present, the pressure in the brain increases resulting to coma. In severe cases, the victim could suffer persistent vegetative state (PVS), which could rack up the medical expenses to the fullest. Rudimentary … Click here to read more

  • Bad Weather: Are You Covered?

    by Hayden Krueger

    Bad weather could hit us anytime and if you live in the United States or even Canada, then you’re not immune to it. Lately, Europe and now the greater America suffered from heavy snowfall and widespread flooding – don’t you think it’s about time to talk to your insurance company? We think this is necessary just to make certain that they (the insurers) got your back covered in case you end up sliding down the slippery road.

    Weather Disturbance: Claims and More

    The idea of minimum liability is simple: pay the other party in case you’re at fault. This means that if you hit a patch of ice, slide down the road, broke your car’s windshield, side mirrors and whatnot after hitting a tree, you get nothing. On the other hand, if you’re carrying full coverage auto insurance, you’re generally safe. Your insurer will cover all future repair costs or … Click here to read more

  • Useful Tips to Find Cheap Auto Insurance Premiums

    by Hayden Krueger

    It’s always a delight to see promos, discounted price tags and beefed-up benefits. In fact, everyone is looking for one. When it comes to auto insurance, there’s no difficulty in finding the cheap ones, though, you will need some time to find the really good ones. Luckily, I have some proven tips below that will help you ease out your treasure hunting.

    Get only those that you need – Insurance companies will try to sell you anything even if you don’t really need that particular type of coverage. At times, they won’t hesitate to promise you the moon and the stars to get your business. Some offer a bunch of add-ons or extra policies, increase your coverage, liability limits and reduce your deductibles.

    While all these extras would seem to help you in every direction, remember that your goal here is to save money. Before scraping off those unnecessary coverage, … Click here to read more

  • Why You Need to Compare One Company to Another?

    by Hayden Krueger

    It’s a bit surprising to know that there are “still” people out there that don’t appreciate and don’t practice comparison-shopping. As the name implies, you go out and find as many companies as you can and compare their rates, benefits and coverage to get cheaper rates. Yet, many are still unappreciative and feel that it’s only a waste of their time.

    On the other hand, people wanting to save money must do some serious research, read reviews or seek good referrals just to find one. Whatever side you’re on, the only important consideration to remember is the availability of options to choose and you get what you need at the end of the day.

    All throughout the year, it’s almost impossible not to see a single insurance company who’s not offering their insurance discounts or promos. This is becoming the norm these days to keep the old clients glued in … Click here to read more

  • Useful Tips to Find Affordable Auto Insurance Policies

    by Hayden Krueger

    Like what most people would do, finding affordable auto insurance will require some effort to be made. In the past, we use insurance brokers to do the donkeywork on our behalf. All is left to do is for us is to review and sign the dotted line to close the contract.  Hiring people to do the mundane tasks will undoubtedly cost us. If you want to save money, the intermediary has to go. We can easily do that through comparison-shopping. We can take the job of the middleman and find ourselves a suitable company, coverage and price deals.

    Aside from directly negotiating with the insurance provider, there are a couple of things that can be done to reduce the premium rates. We will be discussing few of them below.

    Arm yourself with a driver’s training. If you noticed, experienced drivers get affordable insurance rates than those who have less than … Click here to read more

  • Things to Remember Before Closing the Insurance Contract

    by Hayden Krueger

    Many factors could affect the increase and decrease of your premiums. Insurance companies use them to determine the level of risk. It’s also possible that one factor could weigh less or more depending on how they are valued to the underwriter. On top of that, each insurer uses different sets of algorithms that give rise to price difference even for the same type of coverage.

    During your application, you will be assessed according to the potential payout the company has to pay in case you file an insurance claim. These assessments are performed using predetermined algorithmic rules based on the data fed to the system. Speeding tickets, previous insurance claims, violations and even your credit score will play an important role.

    Generally, insurance companies rely on your driving history to gauge whether you’ve been a good driver or not.  A cleaner record means that you’ll likely to get affordable insurance … Click here to read more

  • Couple of Tips When Buying California Auto Insurance

    by Hayden Krueger

    California is a bustling city filled with never ending awesomeness and surprises. But, we also know that California is an expensive city to live with and for many years, it’s been this way. Every now and then, few surprises popped in. Today, we’re going to give you a little surprise in the form of auto insurance.

    You may have told that as you grow older, insurance rates go down. This means that when you turn 25, your premium rates dwindle down. We can’t tell how much it would cost less but we’re sure that you’re going into that direction like everyone else. The reason is that most insurance companies use only the last five to ten years of your driving history and if you’ve been nice for the past few years, it’s an assurance that you’ll save money on cheaper bills. Maintaining a clean driving record is just one of … Click here to read more

  • Smart Ways to Reduce Your Auto Insurance Rates

    by Hayden Krueger

    Ontario’s stern auto insurance policies require that all of its drivers have sufficient insurance coverage. This means that if you’re on a tight budget, you’re going to need a lot of time to find an inexpensive coverage that suffices to this requisite. Yes, the process can become frustrating but if you know where and how to find it, it’s not really that difficult.

    There are a few factors insurers look into when computing for your premium rates: your residence and its surrounding area, driving experience, age and the car.

    Here’s a Tip: Saving money with your insurance premiums is possible as long as you think that’s it’s a long-term investment rather than a short-lived factor.

    If you plan to drive on Ontario’s road for a long time, it is best to keep in mind the following pointers, which will help you reduce your insurance rates overtime.

    Maintain a Clean Driving … Click here to read more

  • Saving Money with Online Insurance Purchases

    by Hayden Krueger

    You have done many online purchases these days, but you’re having second thoughts about buying auto insurance online. Well you’re not alone, because many people feel the same way.  Auto insurance is like any other commodity that you can purchase via the Internet. The quotes are free, painless and quick. Since you do it in the comfort of your home, there’s no traffic, queuing for endless lines and negotiating with agents. In short, the Internet has truly revolutionized the way we carry our day-to-day activities.

    Many people keep asking if buying online would save them money. If you were to ask that question to a man on the street having no knowledge about the online world, he probably wouldn’t be able to answer you. On the other hand, people who are adept in using the Internet will tell you a sweet “yes” straightaway. The Internet allows you to acquire up … Click here to read more

  • Save Money with Cheap Auto Insurance

    by Hayden Krueger

    We now know that fully inflated car tires are not only safer to drive but economical as well. Since we’re here to find ways to spend less, we’re going to talk about cheap insurance premiums.

    A cheap insurance premium is your gateway towards saving thousands of dollars each year. It is true that you can save money by using solar powered equipment or reducing your grocery expenditures, but with insurance premiums, you’ll save even more.

    A single provider serving your life or home insurance coverage will definitely give you some great savings. How is that even possible? Well, the answer is really simple. This seems to be the norm these days; insurance companies offering huge discounts to those who’ve decided to take their policies under a single roof.  If you’re looking forward to save on insurance, this is the first place you might want to look into.

    The majority of … Click here to read more