Auto Insurance Guide Archive for February, 2011

  • Comparison-Shopping Saves You Money

    by Hayden Krueger

    Good news for California drivers – sometime this year, new regulations will take effect on auto insurance. While most of us knew that comparison-shopping is a smart thing to do, some people are actually enjoying reduced rates.

    New Soon-To-Be Options for Motorists

    Pay-As-You-Drive is no longer a new concept. This pricing structure has been in placed in Texas for almost two years already. The only problem is that many states were hesitant to copy the same structure. However, in the recent changes made in California, this type of pricing structure has finally arrived. Drivers can now save on auto insurance premiums based on their actual mileage.

    Indeed, this is good news, particularly in a place with too many cars, high pollution levels and intense traffic congestion like California. If you live in California, and want to save money, you can just use the public transportation, and let your vehicle sit … Click here to read more

  • Classic Car Insurance: Protect Your Baby

    by Hayden Krueger

    Some people fall in love with old coins, stamps and envelopes. However, what if you collect old and classic cars, or at the very least, have one in your garage? Would you go for an ordinary coverage or choose the more specific classic car insurance coverage?

    Classic or antique cars are valuable assets not only due to their sentimental values, but also to the rarity of the materials used, design, and the manufacturer who stopped producing the said models, decades ago.

    When a Car Becomes Antique

    There are no hard and fast rules that you can use to consider a car to be an antique, but for the sake of auto insurance, we’re going to make one. For now, let’s consider the cars built prior to 1940 to be an antique. Accordingly, antique collectors use varying factors in determining the value of automobiles that include the number of similar cars … Click here to read more

  • Car Accidents: Drunk Driving

    by Hayden Krueger

    Anything could happen when it comes to drunk driving, from damage to properties, bodily injuries to death. Will a general insurance policy suffice when it happens? Let’s find out.

    If you are the victim, it’s best to know that you have a couple of options at your disposal. However, it’s also possible that you will be exploited even in the court of law, which is why it’s important to hire an accident attorney for your own protection. Since, this type of accident is ever-increasing each year, the need to hire one is, nonetheless, crucial.

    The Different Faces of Drunk Driving

    Drunk driving can occur in many ways, from one vehicle, two vehicles, involvement of pedestrian, motorcycles, buses, cyclists, etc. Not only that, such accidents cause trauma, which could result from mild to severe injuries, broken bones, bleeding, and neck/head injuries and so on. Some people are just hardheaded because all … Click here to read more

  • Buying Insurance Coverage against Theft

    by Hayden Krueger

    There is nothing more devastating than walking to a parking lot, and you can’t find your parked car anywhere! This is everyone’s worst nightmare, and later, learned that the car has no coverage against theft!

    The Good and Bad News

    Let’s start with the bad news. According to the FBI, one car is stolen every 40 seconds in 2009. This rate is extremely high, considering that there are millions of car owners in the United States. This would translate to 260 stolen cars in a 100,000 population. The good news is that auto theft is declining. In 2006, two cars are stolen every minute, which translates up to 315 cars for every 100,000 population. Since then, it’s been slowly declining, and we could only hope that this number would continue to get better each year. Carjacking is still present, but has been declining as well, accounting to just 3 percent … Click here to read more

  • Avoid Increase of Insurance Rates: Filing a Claim

    by Hayden Krueger

    If you get into an accident, whether you are the at-fault driver or the other way around, you better be careful when filing for a claim, if you care about your insurance rates.

    For sure, we are not telling you not to file a claim, because after all, this is the reason why you have auto insurance. However, keep in mind that there are those times when it’s more appropriate to pay your own money to settle everything instead of filing a claim. The effects would be far more expensive than the cost of the accident itself. Unfortunately, we could not find any hard and fast rules when to do this. Instead, look for the guidelines below if any of them would fit your situation.

    Knowing When to File an Insurance Claim

    Filing an insurance claim is encouraged if there is substantial damage or injury sustained during the accident. However, … Click here to read more

  • Auto Insurance Comparison: Look For Service Instead Of the Price

    by Hayden Krueger

    There is no shortage of auto insurance providers these days; and with the cutthroat competition going on, it’s not surprising to see insurers offering dirt-cheap prices to get more business. However, insurance costs should not be used as a sole factor for choosing an insurance company. Here’s why.

    You could be happy right now, and comfortable with your cheap insurance coverage. However, what if your insurer fails you in times of troubles or claims? What if the service is, third class and flimsy, or as slow as snails? It will take months or even years to get your car repaired. Are you seeing the big picture here?

    As you may have noticed, insurance providers with the most satisfied customers based their decisions not on the prices or discounts alone, but to the rock-steady services as well. You simply couldn’t trust a company that’s only good in collecting their revenues, and … Click here to read more

  • Affordable Insurance for Teen Drivers

    by Hayden Krueger

    You need auto insurance coverage if you are planning to drive anywhere in the U.S. This is compulsory, and you could face hefty fines, legal battles, and possibly jail time if you refuse to have it. This applies to cars, trucks, motorcycles, boats, etc. During an accident this allows the policyholder to file a claim for bodily injuries, and damage to properties.

    Each state imposes its own set of insurance requirements. All vehicle owners must carry a coverage protection before getting behind the wheels. Depending on the state, the minimum requirement, ranges in prices from just a few hundred dollars to a thousand. If you are unsure about your state’s requirements, it’s best to ask your local agent to avoid future problems.

    The state’s minimum liability requirements differ from state to state. It offers a very basic policy, and the covered amounts are extremely limited, which could become a potential … Click here to read more

  • Acquiring Instant Auto Insurance Quotes

    by Hayden Krueger

    If you wish to drive anywhere in the United States, you would have to acquire auto insurance coverage first. It’s illegal and punishable without one, and you could end up being charged with tickets and fines, or worst, jail time. This is where instant auto insurance quotes may come in handy.

    There are many variants of insurance coverage, but the law doesn’t require any specifics other than the minimum requirement of your state. Laws vary from state to state, which means the minimum liability coverage in Michigan is different from that of California. However, it is certain that each state would require some form of coverage for all of its drivers.

    In this article, we’re going to talk about instant auto insurance quotes for newly acquired licenses, plans of switching to another insurance provider, and purchasing of additional coverage to add a new driver in the family.

    Perhaps you’ve already … Click here to read more