Auto Insurance Guide Archive for August, 2011

• Understanding the laws that govern driving in New Jersey

  by Hayden Krueger

  New Jersey driving laws and traffic laws are enforced by the “Motor Vehicle Commission.” The Motor Vehicle Security and Customer Service Act replaced the Division of Motor Vehicles (DMV) in 2003. The following paragraphs will give you some of the laws that are required for you to follow while driving.

  1. Speed Limits
     • Residential  areas and Suburban areas: 35mph
     • Business areas and some residential zones: 25mph
     • Turnpikes and some highways: 65mph
     • All Interstate Roads: 55mph
     • Fines will be doubled in areas which  are posted as “ safe corridor area”
     • 65mph is the standard speed limit, you will be fined if you increase the speed by 10mph
     • The fines could range up to $52 to $202 and double in construction zones.
     • Speeding is given points ranging from 2 points to 5 points. For example, if you are driving 14mph over the posted speed limit, you will have 2 points. If you drive

  … Click here to read more

• Understanding auto insurance coverage and tips to save on auto insurance

  by Hayden Krueger

  It is important to understand auto insurance coverage in its totality if you own a car. There are a number of risks involved while driving and there are a number of liabilities that are associated with it. Hence, it is important to purchase auto insurance after understanding all the aspects of auto insurance. Auto insurance is compulsory in all states in the US; however the requirements may vary from one state to another.

  The first and foremost thing that one should remember is the fact that auto insurance is an agreement that is drawn between the policyholder and the insurance company. The main aim is to provide the insurer adequate protection against liabilities and losses that are incurred in the event of being involved in an accident. Insurance is generally purchased for all motor vehicles such as trucks, cars, etc.

  Once the insurer purchases a policy, a contract is drawn … Click here to read more

• The finer points of traffic laws in Georgia

  by Hayden Krueger

  Violations of traffic laws are the most common kind of criminal offences in Georgia. The following are a few laws that will help you drive safely and avoid any accidents.

  1. Move over Law: This law was introduced after there was an increase in the collision where vehicles were parked by an officer for speeding and other offences. There was a high number of death toll including high maintenance workers and police/traffic officers.                                                                      This Law states that drivers must slow-down and approach with caution when they see any vehicle parked on the side of a highway. If you violate this you can be fined up to $500.
  2. Children Seat Belt laws: This law came into existence after the “The bill of Madison” which portrayed the case of a little girl who was saved because of a booster seat during a fatal accident. This Law requires you to restrain a

  … Click here to read more

• Texas driving laws you should know

  by Hayden Krueger

  Speeding laws

  • The maximum speed limit is 70mph on highways and freeways, farm and ranch to market roads during daylight and 65mph during night hours.
  • Alleys : 15mph
  • Country roads: 15mph
  • You will be charged for speeding depending on how many mph you were driving above the speed limit
  • The fine varies in different municipalities, for example in Houston- 1 to 5mph over the speed limit will get you charged with a fine of $165. In Austin- 5 or less mph will get you charged $164 but if you pay up early it will be reduced to $143.

  Senior Citizens Laws

  • This Law is referred to as “Katie’s Law” which was named after Katie Bolka who was a 90yr old woman who while driving failed to see the red light at the intersection
  • This law requires senior citizens above the age of 79 years to come in person

  … Click here to read more

• Steps to avail auto-insurance discounts

  by Hayden Krueger

  Auto-Insurance is an insurance that protects you and your car for a small price you pay every month as a premium to the auto-insurance company. Unfortunately, even though most states have a mandatory law of having auto-insurance, almost 16% of Americans drive without auto-insurance. This is mainly due to the wrong assumption that auto-insurance is very expensive. There are ways in which you can avail these policies are lower rates. Here are a few discounts you can consider availing to lower the premiums of your auto insurance policy.

  There are a number of discounts you can avail while buying auto-insurance. Some of them are as follows:

  1. No Claim Bonus: If you have a clean driving record without making any claims the entire year the insurance company will see you as “safe-risk”. Hence the company gives you a bonus of 20% on your premium. If you haven’t made any claim

  … Click here to read more

• Key tips that senior citizens can use to avail auto insurance discounts

  by Hayden Krueger

  Senior citizens are considered to belong to the high-risk group and hence the auto insurance premiums could be quite high. However, purchasing car insurance for senior citizens is very important. Although seniors are under a tremendous amount of risk while driving, it is virtually impossible to try and convince them to stay off the roads. After having years of experience in driving, most of the senior citizens don’t like to give up on their independence. Hence, the next best thing to do would be to ensure that they are adequately insured.

  There are plenty of discounts that are available for senior citizens and all the relevant information can be easily obtained for the auto insurance companies or the insurance agents. It is important for seniors to assess their driving skills and enroll in a driver’s safety course. After due completion of the course, seniors can avail discounts while purchasing their … Click here to read more

• Importance of understanding the basics of uninsured and underinsured coverage

  by Hayden Krueger

  Uninsured or underinsured coverage is very essential as it deals with expenses related to damage to the vehicle as well as medical expenses incurred following the accident caused with a vehicle whose driver is not insured (uninsured) or is less insured (underinsured). According to a number of surveys that have been conducted in the past, it has suggested that there are a number of underinsured or uninsured motorists on the road and the risk of not having adequate coverage could put the victim as well as the party at fault into a huge financial crisis.

  Accidents happen all the time and since it is so unpredictable it is important to have the right amount of coverage. The roads and highways are filled with a huge number of uninsured or underinsured motorists and hence the losses could be really high if you are not adequately insured. Sometimes, the regular coverage you … Click here to read more

• Driving and traffic laws in Florida

  by Hayden Krueger

  Every state in the country has its own set of driving laws that govern the safety of the people, pedestrians and other vehicles on the road. The state of Florida is no different. You need to know the various driving and traffic laws in this state if you intend to be a safe driver.

  v  Safety Belts: The passengers and the driver will have to wear their respective seat belts, if the passenger is 18 or more and is found not to be wearing a seat belt, he/she will be fined. Children under 3years will have to be restrained with federally approved safety devices.  There are various kinds of child restraint devices ranging from removable to integrated, and you can choose whichever is suitable for you. Seat belts are given much importance as you are twice more likely to survive an accident with seat belts than without.

  The following … Click here to read more

• Uncovering various details about auto insurance coverage

  by Hayden Krueger

  What is life without a home and a job? How do you commute between the two without a car? Even if you are the blessed enough to work out of your home, you definitely need to drive for other activities of your life like shopping, school and related activities, socializing and all the rest of it! Driving is an activity which is inherently fraught with risks. You risk injury to yourself, your co-passengers, other drivers and pedestrians on the road.  There is also the question of making good the damage to your own or the other car in case of an accident. Even the most defensive of drivers with an impeccable driving record need auto insurance coverage for reassurance against life biggest imponderable – what if? And if you still don’t get it, legislation will force you to get it – auto insurance coverage of course!

  Your auto insurance coverage … Click here to read more

• The importance of abiding by the various driving and traffic laws

  by Hayden Krueger

  Laws are the basic pillars on which civilizations stand. Since time immemorial, societies are dependent on our sense of self regulation and assessment of what is right and wrong for our selves and others. But just as one bad apple spoils the whole basket, even one individual who places self interest above larger good jeopardizes society at large. Laws are enacted to nip the problem in the bud in the overall interest of societal well being. Driving and traffic laws ensure order on the roads and enable safe passage for all on the streets. Traffic laws are rules of the road which pedestrians and motorists are expected to follow. These laws enable smooth and organized flow of traffic on the roads.

  The primary of traffic rules pertains to directionality. In some countries like America, vehicles ply on the right side of the road while others like India require vehicles to … Click here to read more

• Getting an insight into factors that affect insurance rates

  by Hayden Krueger

  Know thy self – this diktat is probably truer for auto insurance rates than for any other sphere in life. In addition, you also need to know your car and the features therein to put the whole matter in perspective. There is also the question of the ownership pattern of your car and also the primary purpose of the car in the context of yourself and your loved ones. All these parameters are important in enumerating the comprehensive list of factors that affect insurance rates.

  The personal factors that affect insurance rates are obvious – age, sex, driving record, medical history, multiple number of cars covered under the same policy etc. Laws and taxes pertaining to auto insurance in the state where you live are logical determinants of insurance rates. Rural areas are downward drivers of insurance premiums owing to a lower vehicular density. Frequent inclement weather in the areas … Click here to read more

• Driving and traffic laws of new mexico

  by Hayden Krueger

  The Motor Vehicle Division sets driving laws and the local and state police ensure that all drivers follow the rules and regulations of the road. Below are some of the important state laws of road:

  1. Speed Limit:
     • All drivers are required to follow an unconditional speed limit of 75mph. The speed limit is 55mph -60mph in rural areas and 30mph when it comes to city roads.
     • Certain special areas like school zones or railway crossings, there will be signboards indicating that the speed limit is 15mph
     • Apart from speeding, you can also be charged for driving too slow, i.e. much below the required speed which may lead to accidents.
     • If you exceed the speed limit if 75mph, your license could be suspended or revoked.
  2. Alcohol Laws:
     • Blood Alcohol Limits (BAC) is used as a parameter to determine how intoxicated you are.
     • The maximum limit is around .08% which

  … Click here to read more

• Auto insurance discounts – what’s the big “deal”?

  by Hayden Krueger

  In a scenario of rapidly increasing need for fast transport the world over, a car has moved from being one of the luxuries of modern life to being a basic necessity. Given the sheer range of automated, personal transport systems available today, we need to aware of the impact of our choices in the matter. It is not enough to stop at choosing the right car for us – we need to hopefully keep the car on the road. Next to fuel, the most important requirement for this purpose is auto insurance. But human beings are nothing if not basement bargain hunters – when we talk about auto insurance, can auto insurance discounts be far behind?

  Auto insurance discounts are a function of several factors and due attention to them will automatically ensure higher discounts. When you look for a job, your qualification matters and so does the school you … Click here to read more

• Understanding the difference between uninsured and underinsured coverage

  by Hayden Krueger

  Before you decide on purchasing auto insurance, it is important to understand the auto insurance basics and the basic differentiation between the various types of coverage – uninsured or underinsured for instance. The uninsured or underinsured coverage basically covers the damage that is caused in an accident, where the driver is either not insured (uninsured) or is less insured (underinsured).

  Any accident is totally unpredictable and the risk is doubled when the accident involves a driver who is uninsured as well as the victim, and both parties can be put through severe financial crisis. This is normally the case with uninsured drivers. Sometimes, the estimated coverage may also be inadequate to cover the actual claims. In order to deal with these situations, the underinsured auto insurance coverage has been designed.

  To make things easier, the underinsured and uninsured auto insurance coverage has been put into two sub-categories known, as PIP … Click here to read more

• Pointers to help the elderly save on their premium costs

  by Hayden Krueger

  While there are many advantages with retirement, auto insurance doesn’t really bring in many advantages for senior citizens. It is not just the young drivers who face steep rates with auto insurance, but the retirees and senior citizens as well. Only those who are in the prime of their lives actually get to benefit from cheap auto insurance rates. These are the adults who are in the 25 to 55 age group and they enjoy the maximum benefits. Auto insurance companies offer them maximum discounts. But even the senior citizens can avail discounts if they follow some simple tips.

  First and foremost thing to do would be to enroll in a defensive driving course that is meant for seniors. Although senior citizens have a lot of driving experience and are generally safe drivers, insurance companies want to be doubly sure that senior citizens are alert as they once used to … Click here to read more