Auto Insurance Guide Archive for May, 2011

• Finding Accurate Car Insurance Rates

  by Hayden Krueger

  We have been telling our dear readers that in order to find cheaper insurance premiums they need to use a comparison-shopping website in order to acquire multiple insurance quotations from various companies. These online tools will guarantee that anyone who uses it will have the chance to find affordable insurance rates that are within their budget expectations as long as they provide honest and truthful information.

  Unfortunately, not all would be policyholders are able to acquire cheaper policies simply because the insurance company would have to revoke their application due to inconsistencies with the data. It is important to remember that insurance companies have their own ways to verify your answers and any forms of lying, fraud, or falsification of records will be dealt accordingly.

  Being honest on your driving history

  We do not want you to lie when it comes to providing information to a potential insurance company. If … Click here to read more

• Auto Insurance Discounts Eligibility

  by Hayden Krueger

  The invasion of the Internet to the auto insurance industry has enabled the system to offer deals and discounts to their consumers. In the past, motorists rely heavily on what their respective insurers are telling them. The choices were limited and the quotes are pain to acquire. It takes days or even weeks to arrive, which is why asking for multiple insurance quotes were not as popular as today.

  Today is a lot different and the Internet changed all that. Policyholders use online facilities to gather multiple insurance quotes from various companies with a click of a button. They are no longer restrained to just one company, and they don’t even need to speak to their insurance agents anymore. Anyone has now the ability to see the offers from other insurers.

  The Internet has truly revolutionized the way consumers find their way towards benefits and discounts.

  One way to qualify … Click here to read more

• Why Some People Pay for Auto Insurance Much Higher than the others do

  by Hayden Krueger

  Most of us are aware that the price for auto insurance differs from each driver. But only few of us understood why it’s so. In fact, it’s a common belief that shopping for auto insurance quotes from various companies will at least reduce premium costs.  Insurers also offer discounts for safe drivers and at the same time penalize the ones with elevated risk levels.

  The knowledge of how things work will give you a heads-up what and how to deal with insurance companies. In general, it’s really up to you how you keep your risks at bay in exchange for an affordable insurance premium.

  Many elements are considered before the final premiums are handed over to the driver. And the fact that insurers look at these factors differently, the costs vary as well. Certain groups of drivers are paying relatively high, while the others continue to enjoy reduced rates.

  Insurance … Click here to read more

• When Is the Right Time to Switch to another Insurer?

  by Hayden Krueger

  If you want to drive, you need to purchase auto insurance. It’s mandatory, not a privilege nor luxury, and you could get into serious troubles if you are caught driving without one.  The law doesn’t require you to be on a single insurer for life. You can change insurers as often you like, or if you feel that switching become a necessity.

  The insurance field is a cutthroat industry. Insurance companies are outwitting one another, and as a result, better offers, and benefits are offered each year to the policyholders. With that said, it’s important to review your insurance coverage each year and determine if your coverage is still appropriate to your current need. Doing so opens up the opportunity to find insurers offering better rates or inexpensive coverage.

  People switch insurance all the time, and there’s nothing fancy about it. If you feel that your current insurer is good … Click here to read more

• What to Do When You Are Confused With Your Auto Insurance Policy

  by Hayden Krueger

  Many felt that their auto insurance policy is just too confusing. They felt frustrated and unable to make sound decisions regarding their policies, because they don’t understand it in the first place. However, such reasoning is not acceptable and grousing won’t help either. What you can do instead is to learn the basics about auto insurance policies in order to reduce your worries.

  In the world of insurance, you will often hear the term coverage. But, do you know what coverage means? It means the protection and benefits you will receive as stipulated in the insurance contract. This will be provided by your insurance company in case of an accident within the scope of the said agreement. A typical coverage will protect you from injury, losses, and damages.

  Accident, on the other hand, is the unforeseen mishap that could happen to you at any time. It refers to the circumstances … Click here to read more

• Easy Ways to Compare Your Insurance Quotes

  by Hayden Krueger

  You can’t tell if you are paying too much for your auto insurance or receiving a limited coverage if you have no means of comparing what you have from what you are supposedly enjoying. In order to assess your auto insurance policy, auto insurance comparison is necessary.

  Below are some old but proven ways to accomplish this task.

  Quotes Comparison – Many years ago, the concept of comparing quotes was considered a laborious and lengthy task. Asking for auto insurance quotes will require you to call each potential insurer and filling out forms after forms. There’s not much of an option back then, which is why people often purchased the first policy that gets on their hands. But things have changed, and acquiring insurance quotes are as easy as pie The Internet has allowed millions of policyholders to request multiple insurance quotes from various companies just by clicking the mouse … Click here to read more

• Do You Really Need To Purchase New York Auto Insurance Online?

  by Hayden Krueger

  Car accidents are real, and each day, hundreds of people perish this way anywhere in the U.S. If this idea has not settled in you, then you are in a serious trouble. Accidents do happen and it could happen to you and to everyone else. Everybody is a potential victim.

  Nobody wants to find himself being caught in an accident. You or someone else could seriously be injured or killed. If you are the at-fault driver, you end up paying the property damages as well or worst be sued if someone had died due to your negligence.

  Now, auto insurance coverage will protect you from all these ever-costly expenses.  If you have the right coverage, your policy will shield you from medical expenses to car repair costs. We’re not just talking about several thousand dollars here; the fact that many people had gone bankrupt due to insufficient amount coverage, it’s … Click here to read more

• Auto Insurance Terms Every Driver Should Understand

  by Hayden Krueger

  We have been told repeatedly that we need to purchase an ample auto insurance coverage just to make sure that there is enough money to cover the cost during an accident. Along with that are the list of jargon terms that we often take for granted.

  Lucky for you, because today, we’re going to discuss about some auto insurance terms that every driver should know what it means and what it does. Few of these terms include comprehensive, uninsured, collision, underinsured motorist coverage, personal injury protection, and so on. Understanding these basic terms will significantly reduce your risk during a car accident.

  If you drive in the United States, you will likely encounter the term minimum requirements on your auto insurance coverage. Each state has set its own minimum, which means that if you live in Nevada, you are required to have 15/30/10 coverage, while those living in Indiana are … Click here to read more

• Auto Insurance Rates: Learning From Japan’s Tragedy

  by Hayden Krueger

  The recent natural disasters that struck Japan were beyond anyone’s expectations. The earthquake and tsunami left immeasurable damages to both life and property. Assessing the cost of the disaster is often very difficult to evaluate as it affects nearly all angles in Japan’s economy.

  Japan’s destruction serves as an eye-opener to all policyholders out there. In times like these, finding cheap insurance policies will be next to impossible. Understanding the implications of natural disasters should help the driver stay protected at all times. By knowing the possibility that some ‘Acts of God’ could wipe out your investments in no time, will help anyone’s insurance cost be in control.

  When an earthquake strikes, all policyholders under a comprehensive coverage are eligible to file insurance claims. If the effects are wide-ranging, the influx of claimants could swell in just a few days. Under the law, insurance providers are obliged to pay for … Click here to read more

• Parent’s Dream: How to Get Low Cost Teen Car Insurance

  by Hayden Krueger

  Each year, it is becoming harder and harder for parents to provide even the basic needs of the family. And what about those times when your kid starts to ask your permission to allow him to drive the family car? Do you feel excited or frustrated, knowing that eventually, your insurance premiums will surge up like never before?

  You might be thinking right now that it’s going to be the end of your low cost insurance premiums days. When teenage drivers get their insurance license, it’s going to be one hell of a rough transition.

  However, don’t fret out just yet, because there are certain things that you can do to salvage and minimize the impact of the arrival of the newest driver in the family.

  Encourage Your Kid to Do Well In School

  This is probably one of the well-known solutions to keep the premium cost at bay. Insurance … Click here to read more

• Tips To Find the Best Insurance Companies

  by Hayden Krueger

  In this article, we’re going to discuss some of the things that you can take advantage to find the best deals in the auto insurance world. First, keep in mind that cheapest insurance policies do not necessarily mean the best policies. Likewise, expensive policies do not automatically make them as the finest breeds.

  Although we understand the importance of insurance prices, and how it affects the individual’s decision process, it is not to be used as a single determining factor. What you need to do is to find a reasonably priced coverage that provides you with the benefits and coverage that you are looking for.

  This is the reason why the financial stability of the insurance company has to be determined during the selection process. As a policyholder, you have all the tools needed to weed out those companies that are doomed to fail. Make use of various agencies, consumer’s … Click here to read more

• Five Things Auto Insurance Brokers Won’t Dare To Tell You

  by Hayden Krueger

  Did you know that your insurance broker or company might be hiding something from you? Why do you think they’re doing that? Well, it all boils down to profiteering. Insurance companies make profit from you. The more you know about your insurance coverage, the lesser the chances of falling into their pitfalls. Before you shop for your auto insurance coverage, I would advise you to read the following points discussed below.

  Auto Insurance Companies Don’t Always Recommend the Best Policies

  People have varying needs when it comes to their insurances. Sometimes, insurance companies or their agents will try to sell you another product, which you don’t need at all. While there are still a lot of honest agents out there, few bad apples will try to confuse you by offering policies, which will give them the highest commissions. And since we know how gifted agents in terms of manipulating people, … Click here to read more

• Five Practical Ways to Find Cheap Auto Insurance

  by Hayden Krueger

  If you are hunting for a cheap auto insurance and still unable to find one, I have five tips below that you can try yourself. I have tested them myself and turned out to be positive.

  It seems that cheap auto insurance is the only way to go if you want to save money. You might have tested few options yourself, but what I am about to show you are the ones being used by the majority of policyholders.

  Perhaps you already have heard about comparison-shopping. The idea is practically the same when you are buying appliances, gadgets, shirts, grocery items, and whatnots. In this case, instead of hopping from one insurance company to another, all is needed is your computer, the Internet, and a pinch of patience.

  Now, we all know that if we are to visit more stores, the higher the chances of finding the best deals, right? … Click here to read more

• Auto Insurance Comparison: Ways to Save On Coverage

  by Hayden Krueger

  The first thing you should do is to identify your insurance coverage needs. Afterwards, you can now start to do some serious insurance comparison. But sometimes it gets tricky and to resolve this issue is to follow the three things that I will be discussing below.

  Collect your information

  You need to know your driving history. For example, how many tickets you received or insurance claims you made over the last 2 to 3 years? What is the status of your driving history? Will it be a squeaky clean or a messy record? Whether you believe it or not, it is really possible that the driving records can be recorded wrongly. This is the reason why you need to check the record violations or better yet keep your own record of any road violations you have committed. Auto insurance providers will usually give you expensive insurance quotes so it pays … Click here to read more

• Effective Ways to Pull Down Your Insurance Rates

  by Hayden Krueger

  All policyholders want to reduce their insurance premiums. Without a doubt, insurance coverage is probably the most important investment one could make, but if you are on a shoestring budget, you seriously need to find the right amount of coverage without having to spend a fortune.

  Insurance coverage is mandatory to anyone who drives a vehicle. However, many drivers don’t feel its importance and felt that being mandatory is too much to bear with. In turn, they resort to find ways to reduce their expenses, some even dropping their coverage, risking their own lives and others. It’s rather unfortunate to think that many drivers, being obliged to buy insurance, will do everything not to do it or at the very least buy those extremely cheap policies. They did not realize the consequences of driving without insurance coverage and the possible headaches that they will be facing in the future.

  The … Click here to read more

• Paying For Insurance Coverage by Installments

  by Hayden Krueger

  Many people cannot afford to pay the full price of insurance; therefore, the ability to send monthly payments is the most preferred option. This will allow anyone to receive the product or commodity for relatively low initial budget outlay. Using credit to get the things that we want to have is no longer a new thing because it has been practiced for many years already. Such method is now being applied in purchasing insurance, though most of the people have opted to use it on short-term policies only.

  For those who are planning to switch insurance providers usually end up selecting short-term policies to avoid paying the unnecessary cancellation fees. In this manner, the insurer who is receiving a credit purchase will not receive the full payment, which means that both the cost and profit are not realize yet. Most of the states in the US have certain laws to … Click here to read more

• Texas Liability Insurance

  by Hayden Krueger

  If you want to drive in Texas, you need to have an insurance coverage. All the residents in the Lone Star State would have to follow laws that encourage them to become responsible motorists in terms of being able to pay possible damages in an event of a vehicular accident. An automobile policy is therefore, mandatory. Nearly all states in the US require a minimum protection known as liability coverage that contains specific limits, which needs to be met to legally drive in that particular state.

  In Texas, the minimum liability injury is set at $30,000 per person, $60,000 on a single accident, and $25,000 to cover property damages. These figures took effect last January 1, 2011. This means that during an accident, the expenses and damages incurred to the other party will be shouldered by the at fault driver’s insurance company based on the amount mentioned above.

  The state … Click here to read more

• Free Insurance Quotes: A Quick Way to Smooth Auto Insurance Purchase

  by Hayden Krueger

  Auto insurance seems to be everyone’s business. And the fact that most people get into trouble of trying to find cheap auto insurance policies, it is only appropriate to create this article to help them resolve their current situation.

  Allow me to set the records straight that you are not allowed to drive without an insurance coverage. You could possibly end up in jail, ticketed, or your driver’s license revoked forever. The law mandates that every driver should have a sort of coverage protection. Insurance not only protects you but also to your passengers, pedestrians, properties, as well as the other drivers.

  Many years ago, getting auto insurance is a pain in the butt. Back then, you have to rely solely on insurance agencies or agents. All of your concerns will have to go through them, or else you will not get cheap insurance quotes. Apart from that, speeding up … Click here to read more

• Finding Cheap Insurance Rates in Las Vegas

  by Hayden Krueger

  Like most people, if you live in Las Vegas Nevada, auto insurance could sometimes get expensive. But, the good news is that, there are ways to find affordable rates in this entertainment capital of the world. Auto insurance companies understand that time is precious, and they do not want to waste your time by inviting you to visit to their office just to get insurance quotations. In fact, you do not even need to speak to an insurance agent to have one.

  Is this option even possible?

  No, it is impossible if today is 1980. But since you have the Internet, you can use it to find a cheap insurance coverage in Las Vegas just easily. You no longer have to deal with insurance agents, or getting tied up on the phone for hours. All you have to do is to fill out an online form and in a few … Click here to read more

• What the To Buy the Save on Your Auto Insurance Costs

  by Hayden Krueger

  If you think you do not deserve what you are currently paying for your auto insurance coverage, you need to do something about it. If you are a good driver who had always maintained a sterling driving record, never had any accidents or insurance claims in the past, or enrolled yourself on a defensive driving program, you deserve nothing less but affordable rates. Although it is unclear that your insurance company is probably making money out of you, it is best to review your coverage policies first and to determine if they are what you need. The high insurance costs could be the result of unnecessary policies in your account that you may not be aware of.

  Before making any decisions, it is prudent that you have understood the insurance terms and policies regarding the insurance coverage offered by your insurer.

  Comprehensive and collision coverage: do you really need it?… Click here to read more