Auto Insurance Guide Archive for March, 2011

  • Why a specialized truck insurance is needed

    by Hayden Krueger

    People are often confused about truck insurance and why truck insurance coverage is needed instead of just the usual insurance coverage. It’s actually easy to understand when your answers are ‘yes’ to the following questions below.

    • Do you operate or own a business?
    • Do you need trucks to carry out your day-to-day operations?

    Truck insurance is a bit different from what we know about auto insurance. It’s similar to comprehensive insurance in many aspects because it protects the car owners and their drivers from accidents, theft and natural disasters. If we recall, accidents caused by natural disasters are covered by homeowner’s insurance policy rather than the auto insurance.

    This is particularly important, knowing that there is a rising trend of commercial trucks involved in car accidents. In addition, the prolonged use of these vehicles would result to wear and tear, which is, by the way, covered by truck insurance as … Click here to read more

  • Ways to end up with the best auto insurance rates available in the market today

    by Hayden Krueger

    Every person wants a low cost high performance insurance coverage, even if they live in a city having the smallest insurance cost in the entire United States. Unfortunately, not all Americans do comparison-shopping or some aggressive techniques to find the best insurance deals in their localities. If you’re one of them, stop grousing about the price and follow our guidelines below to find your very own best insurance coverage.

    Compare the rates – If you want to save money, find time to compare insurance quotes from different companies. This is a proven method not only when buying insurances, but also to every product that you want to purchase. Not all insurance companies are created equal, even if they are offering identical coverage. If it’s a new company you are dealing with, check the company’s reputation from online forums or from your local BBB if the service is reliable. You don’t … Click here to read more

  • Understanding the basics of auto collision insurance and why you need one

    by Hayden Krueger

    Auto collision insurance is not mandatory and is not required by any state in the US. With that said, you have the option to include this type of policy to your existing insurance coverage. We highly recommend you do this because this will protect you and take care of all the expenses needed for repairs especially if your vehicle is damaged, and you are the driver at fault. In cases where your car is totally wrecked, this coverage will replace your vehicle without u spending a buck. This is the reason why drivers who are using leased vehicles that are not yet fully paid for choose this insurance to take advantage of this wonderful offer.

    As a motorist, keep in mind that once you are on the road, it’s always a risk you are taking. No matter how passive, meticulous, or a defensive driver you are, it is a major … Click here to read more

  • Things to remember about car insurance

    by Hayden Krueger

    Every driver knows the possibilities of accidents. When such events occur, it could potentially bring us to our knees both physically and financially. To minimize its impact, we need to prepare ourselves before they happen. One way to do that is to purchase auto insurance coverage.

    A road accident not only trashes properties but people’s lives as well. We have witnessed terrible car accidents that took the lives of innocent passengers or civilians. Because of this, policyholders must see to it that there is a sufficient amount in their policies to cover the cost of hospitalization and medical bills. The higher the amount covered, the lesser the risk faced by the policyholder.

    In general, no one is prepared to face the consequences of an accident. It could ruin his job, his family, his life, etc. Accidents will always be too painful for anyone to endure.  If a person loses their … Click here to read more

  • The truth behind free auto insurance

    by Hayden Krueger

    There are many myths in the car insurance industry. Like many urban legends, if you don’t seek the truth, you will be likely to get lost. Interesting as they are, some are half-baked while others are just utterly ridiculous.

    With all these noises going around about auto insurance, finding a genuine company to trust and work with can be a daunting task. And since many of them never failed to claim as being #1 in delivering insurance services, uncovering which ones that are only interested in selling you out is, nonetheless, important.

    Perhaps you have heard about free auto insurance. A heavily advertised propaganda aimed to entice people to buy policies with them. Well, we are sure that there are free auto insurance quotes out there, but to give free auto insurance policies seem too good to be true. Personally, I have not seen a single insurance company giving away … Click here to read more

  • Ten Useful Tips to Find that Cheap Car Insurance

    by Hayden Krueger

    If you are like everyone who’s looking for that cheap car insurance, you are on the right path. In this article, we are going to discuss 10 of the most common ways to lock in the desired insurance coverage at a reasonable price.

    1. Work on your mileage. Mileage is a very important factor when it comes to auto insurance. The higher your mileage, the more time spent on the road, therefore, the higher the chances of getting into an accident. If you can limit your annual mileage, the chance is higher to find a cheap insurance coverage.

    2. Do not forget to shop around. We have been telling this method ever since we started this website. If you want the best deals or promos in your insurance, do not settle to a single insurance provider without shopping around for that particular coverage. Do not be afraid to try another … Click here to read more

  • Is there such a thing as low cost car insurance?

    by Hayden Krueger

    Each year brings a new increase in auto insurance prices prompting people to look for low-cost and cheap car insurance policies. And since the auto insurance industry is a very competitive business, big or small insurance providers are doing their best to entice people by giving them the right coverage at a reasonable price.

    This means that by employing simple research and knowing your needs, it will not be that difficult to find the right company for your insurance requirements. Thanks to competition, many companies are not only offering cheap prices but also have added tons of benefits into their packages. These benefits may come as discounts, extended coverage or some other hidden rewards.

    What are the factors of a good low-cost insurance package?

    If you do not want to see yourself grousing in the future, quality is a very important factor that needs to be considered in any type … Click here to read more

  • Insurance comparison will save you money

    by Hayden Krueger

    It is a fact that insurance rates are continuing to rise each year, which means it makes sense to look for ways to save money on insurance rates by choosing coverage that is within your budget. So how exactly do we do this? What are the things that we need to understand or look into to be able to know that this particular type of coverage is good for us? Actually, we have identified four factors that you might want to consider when deciding on your auto insurance policy.

    Choosing between direct insurer or insurance agent

    Direct insurer means that you do not deal with insurance agents but instead buy the policies directly from the insurance provider. For many years, we have relied on insurance agencies or agents who carry multiple types of insurance from home, auto to life insurances, and expect them to deliver these policies to our doorsteps. … Click here to read more

  • How to Better Manage Your Accident Insurance Rates

    by Hayden Krueger

    Most drivers are not aware that when they are driving, they are likely to suffer from hypertension. Have you tried reading your blood pressure while you are driving? Well, prepare to surprise yourself.

    For many years, people drive and experience ups and downs while driving. With thousands of cars being dumped on already busy metropolitan roads, it’s not surprising why there are so many accidents happening here and there. Driving requires nothing less but your full attention to avoid any road mishaps or cranky drivers.

    If you consider yourself a good driver, you are still not safe. You might as well use a force field to protect yourself. Without a doubt, if someone would invent one, it will take all our driving worries away.

    The fact that you are not driving alone, accident is still very much possible. You never know, if the driver behind or in front of you … Click here to read more

  • Why Your Insurance Rates Are Ridiculously High?

    by Hayden Krueger

    So many factors could affect your insurance rates and since it’s impossible to discuss all of them in this issue, we will just discuss the common ones.

    Well, if you must know, one of the most “poorly” paid people in the U.S. are the performing artists; underpaid or sometimes not even paid at all. Often unappreciated and unacknowledged, life is difficult. However, when it comes to auto insurance, they are enjoying much more reduced rates.

    On the other side of the coin, corporate CEOs, managers and bankers who are raking thousands of dollars of annual income are often times the ones paying the highest insurance rates. Knowing that, probably, gives a little comfort to the rest of the working public. However, insurance companies are not doing it because of Karma.  Insurance companies believe what their statistics have to say.

    Who Pays Most and Why

    Insurers use actuarial tables to do … Click here to read more

  • What to Do After a Car Accident

    by Hayden Krueger

    Car accidents happen all the time across the United States. You see them on TV, hear about them on the radio, read about them in the newspapers, and on the Internet. You’ve seen how many lives were unnecessary lost as well as leaving extensive damage to properties. Common reasons why these things happen, include drunk driving, distractions, use of drugs, construction zones, etc. These and more are the reasons why you should not drive without a sufficient insurance coverage.

    No one in his right mind would tell you that he wants to be in a car accident. We do anything to avoid it, but sometimes, accidents do happen in a flash.

    According to the National Highway Traffic Safety Administration (NHTSA), the most prevalent car accidents would involve a single car, two cars or more, pedestrians, car and motorcycle, and a car to a truck. Should you find yourself in one … Click here to read more

  • The Truth about Cheap Auto Insurance

    by Hayden Krueger

    Many people look for cheap auto insurance these days, and no wonder, there are countless of “cheap” insurance company everywhere.  Their sheer number and advertisements in radio, TV, and on the Internet can help you find one in no time.

    However, this leads us to another question. If such company exists, why there are so many of them, when people could just easily switch to that particular company and all the rest would fail. In this article, we’re going to talk about what a cheap insurance coverage is and why some people have stayed away from them.

    Insurance is all about determining your risk using predefined factors such as your car, age, occupation, location, income or credit. Insurers have known to use them all the time, just like your creditors or lenders using your credit scores to determine your financial capacity. Though they differ from many aspects, but the analogy … Click here to read more

  • The Real Cost Of Comprehensive Auto Insurance

    by Hayden Krueger

    Purchasing a new car, and shielding it with comprehensive car insurance is reasonable. This will give you the total protection above anything else in case something unpleasant happens. The only problem is that most people stop thinking about it if their insurances are deducted automatically, say through their checking accounts. Since, the worth of the car depreciates each year, the end result would be, that they are paying more than the car’s worth.

    Understanding Full Coverage Auto Insurance

    As the name implies, full coverage means you are protected from any kind of loss, regardless of who is at-fault during the accident. The insurance company doesn’t care who and what happened during that time, so to speak. Vandalism, theft and fire protection are covered in contrast with, for example, collision coverage that covers only head on collisions or some other types of insurance coverage, which are very specific in nature.

    Keep … Click here to read more

  • The Cheapest Auto and Homeowner’s Insurance Coverage Combined

    by Hayden Krueger

    It’s a New Year once again, and the right time to re-think your insurances. Many Americans are left wondering if what they are enjoying today, is truly the cheapest in the auto and homeowner’s insurance.

    The Auto insurance Coverage

    Different states have different insurance premium rates. However, according to the Insurance Information Institute, $850 seems to be the average that people pay for their annual insurance needs.

    Unfortunately, most Americans don’t take much time to know if the insurance cost they are paying is appropriate or not. They gladly, and blindly pay what their brokers have to say without even comparing auto insurance rates.

    If you were looking for ways to save money, start by checking your policy at least once a year, and making necessary adjustments would make a huge difference. Since, you know what your specific requirements are, it’s easy to tell what type of coverage suits your … Click here to read more

  • Protect Your Insurance Policy from Fraudsters

    by Hayden Krueger

    If there are online transactions, there are also scammers lurking around every corner. You could very well become their next victim, if you are not being vigilant and thorough at all times. The economy is recovering, but the effects still linger, and with so many people experiencing a cash shortfall, we could only expect that frauds will continue to rise each year. Desperate and probably losers, these individuals will continue to do their shady tricks even at your own expense.

    However, if there are bad people out there, we can’t help, but notice some notorious insurance companies as well. To help you identify the “bad apples,” here are a few things to keep in mind to protect yourself.

    When You Are About To Buy A Car Insurance

    Every business wants to deliver their message across by using various advertising tactics. You see them on Yellow Pages, huge street billboards, on … Click here to read more

  • Online Car Insurance: Do You Still Need The Conventional Way?

    by Hayden Krueger

    The Internet has truly revolutionized the way we deal with so many things from ordering pizza to buying auto insurance policies. Considering that there is a very little difference between the online and offline world, do you honestly think that a physical office is still important, to be considered as an ideal?

    Online Auto Insurance Providers

    For those who are adept using the Internet, spending time to look for reliable online insurance providers is worth their time for good reasons.  First, since online insurance providers don’t have to rent space or employ people, their rates are relatively cheaper.  It operates 24/7, which is pretty convenient, especially for nocturnal people. In most cases, many of them offer 24/7 support service, another convincing factor. It’s also possible to manage existing insurance policies, adding or removing features, with just a click of a button. Apart from that, these sites offer up-to-date information about … Click here to read more

  • More Ways to Find Affordable Teen Car Insurance

    by Hayden Krueger

    It’s official, teen car insurance is downright expensive for a few good reasons. According to the released report from Insurance Institute for Highway Safety, teen motorists are 500% riskier when compared to their adult counterparts having at least 15 years of road experience. Given that assumption, is it still possible for anyone to find affordable teen car insurance these days?

    Fortunately, the answer is yes, if you’re clever enough to review the usefulness of the list below.

    Learn the Law – Laws are enacted for everyone to comply with. Although each state differs from imposing its road laws, and regulations from the other, today’s trend indicates that there are similar laws applying across all states, when it comes to restricting drivers to drive during wee hours, and the maximum number of passengers allowed to be carried and similar stuff. If you’re a parent, it’s your responsibility to see to it … Click here to read more

  • Hunting Down That Elusive High Risk Auto Insurance Policy

    by Hayden Krueger

    Most of us know that to find cheap car insurance is as simple as pie. However, finding cheap car insurance for high-risk drivers is a different story, and oftentimes, can be a bit of a challenge.

    It’s normal for insurance companies to slap you with skyrocketing insurance fees, if your name falls into the high-risk category. By that, we mean that you are considered a high-risk driver, and by insuring you or your vehicle is a risk that they’re going to take. Now, in an attempt to cover this perceived cost, your insurance premiums will ultimately suffer, as you will be charged with nothing less, but steeper rates.

    This is a lesson learned for those who didn’t seem to care about their road performance, and hopefully for those who are planning to do the same. The consequences of their actions will reflect the cost of their insurance coverage.

    However, all … Click here to read more

  • How to Save Money on Your Car Insurance

    by Hayden Krueger

    There are many ways to save money on car your insurance. However, not all drivers are eligible to receive this special price discount. You must see to it that you are in the right position to get the best, and affordable insurance coverage.  With that in mind, acquiring multiple quotes remains the best options, and all your efforts are worthy.

    The best way to start the year is to know the methods, of how to reduce your insurance rates successfully. Below are a few of them:

    Find a Package Deal – Majority of the insurance providers these days, carry various coverage that is suitable for your needs. Insurers appreciate your confidence for entrusting them to manage your auto, health or life insurances under one roof. To show their gratitude, large sums of discounts are given at regular intervals. In some cases, there are even discounts that could pay off the … Click here to read more

  • How to Be Safety on the Road

    by Hayden Krueger

    If you want cheap or affordable insurance, you need to show your insurer that you’re a safe driver. How do you exactly do that? We’ll discuss it in this article.

    You can accomplish this task in two ways. First, you need to follow the laws of the road, and regulations by observing traffic laws and signage. They are there to remind you of what you can or cannot do. To disobey them is an offense, and you could be punished for being so hardheaded. The second one is to take into account is the safety of the other drivers. If all drivers would think before doing something stupid, car accidents will not be as prevalent as today.

    Following road laws and practicing safe driving behavior will reduce the number of accidents that happen each year. Sadly, this isn’t the case right now. Distracted people rushing to get from, point A … Click here to read more