Auto Insurance Guide Archive for 2012

  • Rules to be followed on the US roads for a new comer

    by Hayden Krueger

    Driving in the continental US is not that easy & simple & knowing the road or traffic rules is pretty important for anyone who is not familiar with such rules. For a person coming from a different part of the world & adapting the road rules in the US can be tough. Also it can be a case with someone visiting the US & renting a car to move around the country. More importantly getting accustomed to the car is also a challenging issue if the person is from a part of the world where the controls are assembled in a different manner. As for instance if someone belongs to Europe there would problems adjusting some of the controls which are around the steering instead the dash.

    However people coming from anywhere should get a good knowledge about the driving & road rules as the penalties to be incurred in … Click here to read more

  • General information about car Insurance policies & premium rates

    by Hayden Krueger

    A policy holder should always be aware of all the factors which might negatively affect the insurance rates of their automobiles or vehicles. More importantly a policy holder who possesses a vehicle should also know how to lower the price of the auto insurance. This in turn could help to raise the savings of the individual. Gathering a bit of information prior to any commitment could help the policy holder immensely. Primarily one should try & focus on the several popular or reputably notable companies that provide comparatively the best auto insurance features along with maximum coverage at an affordable rate. Also it is important to check on the insurance provider regarding products such as multi-family packs or heavy discounts on multi policy purchase.

    Before purchasing auto insurance the policy holder is advised to check with the companies that are associated with any insurance provider offering discounts on car insurances … Click here to read more

  • Methods & essential tips to maximize auto insurance discounts

    by Hayden Krueger

    With more & more auto insurance companies rising up in the limelight, the advent of getting a discount is not that tough nowadays. There are several methods that should be undertaken in order to qualify for a discount earning spot with the concerned insurer which would attribute to the fact that the savings of the individual is increased there by. Discounts are provided depending upon various parameter formulated by the insurance providers. Also there are certain rules which take effect prior to providing the vehicle insurance or owner with the discount. As a matter of fact discounts can be attained by modifying or increasing the safety devices in the vehicle or rather installing as many as safety equipments in the car as possible.

    As a matter of fact more the number of safety devices installed in the vehicle lesser will be the amount payable or in other words more will … Click here to read more

  • Details about the range of coverage of the auto insurance

    by Hayden Krueger

    Auto insurance is a very important thing and should be undertaken by every car owner & drivers. The auto insurance is the protection or guard of the damage incurred by the vehicles or injuries received by the driver due to some sort of accident. Damages to the vehicle due to any kind of natural calamities such as flood, thunder and lightning, rain, land sliding, strike riots inundation, and/or any sort of malicious or mean damages, etc. are not covered in any normal insurance type All the above damages are defined as Own Damage losses. Auto insurance for such risks is not at all compulsory (mandatory) it is sole discretion of the owner of the vehicle. The “Comprehensive Insurance” is the insurance of the vehicle which covers all the risks of all damages and ruins on the vehicle as well as on the ruined property.

    In the above mentioned incidents liabilities Click here to read more

  • Useful tips to use while shopping for auto insurance

    by Hayden Krueger

    Purchasing the right auto insurance policy could be quite a herculean task if you don’t know where to begin. The requirement for auto insurance can vary from one individual to another depending on their individual needs. Since every state has a different rule, it is important to know some auto insurance basics before you decide to ask for the quote online. First of all, you must check the minimum required as per state laws. Once you know that, you can apply for multiple quotes online and then compare quotes before moving ahead.

    Although some people may think that they can do without auto insurance, it is not really a wise thing to do. There are serious consequences that uninsured drivers suffer when they get involved in an accident. Instead of avoiding auto insurance, it is better to look at other options such as affordable auto insurance. There are different ways … Click here to read more

  • Some do’s and don’ts while obtaining cheap auto insurance

    by Hayden Krueger

    The word ‘cheap’ should not be mistaken with something inferior or something that is unreliable. There are a number of ways in which you can obtain cheap auto insurance without having to compromise on the coverage in your policy. If you are also like the other car owners and think that you are paying way too much on your auto insurance policy, you must certainly gather a few tips in order to reduce your auto insurance payments.

    Since auto insurance is generally mandated by state laws, canceling your policy will really do you no good. Instead, look at various options where you can get the best possible coverage at the lowest price. There are many ways in which you can match your budget with your insurance needs.

    First of all, make a list of the coverage you want in your auto insurance policy. Then take a look at the different … Click here to read more

  • Useful tips to follow while purchasing auto insurance for senior citizens

    by Hayden Krueger

    Purchasing insurance for senior citizens is a bit tricky and it requires some amount of research. Insurance companies generally charge higher rates on the premiums from those who are elderly. This is because of the fact that they consider senior citizens to belong to the high-risk group, owing to the number of health problems they may have. Loss of vision, hearing, and other age-related diseases can mean additional risk for the insurance companies. In order to overcome these issues and reduce the risk, they charge higher rates on the premiums. However, there are a number of ways in which senior citizens can avail reduced rates on their policies.

    There are some insurance companies that offer reduced rates for senior citizens. This is especially the case with those who have been loyal to a particular insurance company. They take into account the health of the individual and decide on the rebate … Click here to read more

  • Avail affordable car insurance for students and teenagers

    by Hayden Krueger

    Students and teenagers are considered to belong to the high-risk group and shopping for affordable car insurance is a bit tricky. Hence, it is important to shop around and carry out some research in order to get some of the best deals. Students are considered high-risk because they are known for their reckless driving and because they don’t have a driving record as such. So, insurers don’t have anything to fall back on. Since most of them would have just started driving, there is no way to check their driving record. Apart from that, students and teenagers are also a distracted lot. They are found texting messages or talking on the cell phone while driving etc. Teenagers between the ages of 17 and 21 are known to cause accidents, and most of them are fatal. Due to all these risk factors, insurance companies generally hike up the premium rates.

    Even … Click here to read more

  • Five reasons to purchase auto insurance online

    by Hayden Krueger

    Auto insurance companies come up with a lot of different insurance products year after year. It is easy to get confused with these products. Besides there are a lot of auto insurance companies offering policies. In such a scenario, a lot of people tend to purchase auto insurance randomly, from a sales person they come across. This could mean a lot of extra money as well as less value for what you pay. There are many advantages of buying auto insurance online instead. Here are some of those benefits that can give you the best of all worlds.

    You can request free quotes online

    It is practically not possible to go from one auto insurance dealer to another, trying to find out what the cost of insurance coverage you seek would be. If you are dealing with a sales agent, you might not get the total picture as they wouldn’t … Click here to read more

  • Four questions you should ask yourself before taking a call on auto insurance

    by Hayden Krueger

    When you want to take a call on auto insurance there are a few questions that you must ask yourself. This introspection will not only help you save some money, but will also make sure that you don’t end up with the wrong policy from the wrong insurance provider. When you are paying a lot of money as premium for insurance coverage, it is imperative that you make the right choice so that eventually when you claim, you don’t have trouble getting the coverage. Here are some questions you must ask yourself when you are about to purchase auto insurance.

    What coverage do you need?

    This is one of the most important questions to ask yourself when you are purchasing auto insurance. This is because your premium will depend on the coverage you seek, which in turn will depend on your vehicle as well as the state in which you … Click here to read more

  • Save on insurance cost instead of compromising on coverage

    by Hayden Krueger

    It is extremely easy to save on your auto insurance costs. However, it could be tough dealing with the repercussions of not having sufficient auto insurance coverage. A lot of times it could leave you with a very big hole in your pocket. On the other hand, there are plenty of valid reasons for which you will get discounts on your auto insurance premium. There are many ways to save on the premium as well even if you don’t get a direct discount. In such a scenario, it is important to lower your premium instead of doing away with the coverage altogether.

    Pick a reliable insurance provider

    A lot of people do it mechanically. But picking the right provider could be a great first step to saving money on your auto insurance. It is important to pick a provider who offers good customer service and who responds immediately towards your … Click here to read more

  • Picking the right insurance provider for your vehicle

    by Hayden Krueger

    When you are purchasing auto insurance, there are certain things you have to be careful about. A stitch in time saves nine, they say. In case of auto insurance, you will benefit a lot if you are careful right from the first day. Auto insurance is mandatory in most states, although the coverage limits and the types of coverage mandated might be different. In most cases, you must have third party liability insurance, but for the sake of your own safety, it is important to also purchase, total car insurance if you can afford it. Even before you go ahead and purchase your insurance, you have to take certain steps to pick the right auto insurance provider. Here are some tips that can help you pick the right auto insurance provider.

    Track record is always important

    Never ignore the track record of an auto insurance provider. Before you purchase insurance, … Click here to read more

  • Most important factors affecting auto insurance rates

    by Hayden Krueger

    The auto insurance rates that you pay vary from one state to another. The auto insurance rates vary from one person to another. The auto insurance rates vary from one vehicle to another for the same person. This is because there are many things taken into consideration by an auto insurance provider before they deduce what the premium should be for the required coverage in case of a customer. In order to save on your auto insurance, as well as to make a good decision on which insurance provider to go with, it is important that you find out what these factors are.

    The nature of the vehicle

    It is a very important factor in determining your auto insurance rates. SUVs and vintage vehicles usually cost a lot more to repair than normal sedans. Obviously, the premiums you have to pay for the coverage will also be higher. Moreover, in … Click here to read more

  • Five questions you should ask the insurance provider before purchasing insurance

    by Hayden Krueger

    When you are purchasing auto insurance there are a few questions that you must ask any auto insurance provider before making the purchase. This will help you in not only taking a fool-proof policy but also in saving some money, which is quite important these days. These are simple questions that will let you know a lot about what you are paying for and what you can expect from the auto insurance provider in the future.

    What does the policy not cover?

    A lot of times, customers ask the wrong question to the auto insurance provider. They ask what the insurance covers and that leaves a lot of ambiguity. Instead it is important to find out what the insurance provider is not covering. For example, if you are taking collision insurance, you might want to know the situations wherein you will not receive coverage from your auto insurance provider. This … Click here to read more

  • Look for reasons beyond accidents for purchasing auto insurance

    by Hayden Krueger

    There are many reasons why you should purchase auto insurance. A lot of people believe that auto insurance would come into picture only when there is an accident and they need to get their damage repair costs reimbursed. However, it is important to understand that even if you are a perfectly safe driver, there are several ways in which you might need auto insurance coverage eventually to avoid big unforeseen expenses. Here are some of the reasons why you will need auto insurance coverage.

    For theft and natural disasters

    When your vehicle has been stolen, vandalized or damaged by natural disasters like earthquakes, floods, hurricanes and cyclones, you will need your auto insurance coverage to recover the cost of the vehicle. Most of these are beyond your control, but you can avoid any concerns by taking a comprehensive insurance that covers most of these. If you live in areas which … Click here to read more

  • Five precautions you should take before you purchase auto insurance

    by Hayden Krueger

    When you purchase auto insurance you shouldn’t do so blindly. This is because you would be paying the insurance provider month after month for coverage for possible accidental damages in the future. So every possible precaution should be taken to make sure that when you eventually need the reimbursement after an accident, you will get it without a lot of fuss. Those who often purchase auto insurance without much thought or analysis, end up being in trouble later when they do need the insurance coverage. Here are some precautions that you should take while purchasing auto insurance.

    1. Compare the insurance rates of at least 4 or 5 different insurance providers. When you do that you are well aware of what the current insurance industry rates are. This way, you wouldn’t end up overpaying for the coverage that you are getting. There are online sites where you can request for free
    2. Click here to read more

  • Different ways in which driving and traffic laws affect auto insurance

    by Hayden Krueger

    Driving, as well as the state laws where you reside could greatly affect the auto insurance premium that you might be paying. It is therefore important to be well versed with most rules, so that you don’t get any negative remarks in your driving record. This is important, because when you apply for auto insurance, companies invariably tend to check your driving record in the past, especially the last 2 or 3 years to check driving patterns and common driving violations. From this, companies tend to deduce whether you are a reasonably safe driver or not. If the chances of your being reckless and getting involved in an accident are high, you will be charged higher rates, specifically because the risk of your claiming for damages would be high.

    Liability insurance

    This is commonly mandated across all states. Third party liability insurance has to be purchased by all vehicle owners, … Click here to read more

  • Ten easy tips to save big on car insurance

    by Hayden Krueger

    Most customers try to cut down on their auto insurance costs by doing away with auto insurance altogether. However, that isn’t a wise move at all. On the contrary, it could leave you vulnerable to big unforeseen expenses in the future. It is better to learn how to save on your car insurance, rather than compromising on the coverage itself. Here are some simple tips that can help you save hundreds of dollars on car insurance every year.

    1. Avoid driving whenever it is possible. You can share cars with friends or colleagues or take public transportation if possible. By driving less, you lower your mileage and that brings down the auto insurance premium as well.
    2. Follow traffic laws to the T. This is very important. Whether it is texting or distracted driving, not wearing seat belts or driving under influence, speeding or jumping signals, it isn’t good for your profile
    3. Click here to read more

  • Key factors that impact auto insurance premiums

    by Hayden Krueger

    A lot of auto insurance companies use their own logic to provide a quote for the coverage you are looking for. However, there are a set of factors which are considered by most auto insurance companies. It is advisable to understand these factors so that you can look for better discounts. Auto insurance rates firstly depend on your profile. For example, a middle aged professional who commutes daily to work will have to pay greater rates, compared to a senior citizen or a housewife. Another related factor is your average mileage across a year. If you travel a lot, then the chances of your being in an auto accident are higher, which is why your auto insurance rates too go up.

    Auto insurance rates depend on the city or the region in which you commute often. For example, if you drive 25 miles a day in a city which has … Click here to read more

  • Five types of coverage that you must consider

    by Hayden Krueger

    When it comes to auto insurance, nothing really is set in stone. You have to take a call on what you need and what you can do without. Once again it is up to what you can afford and the offer that you are getting from the insurance provider. Shopping online and taking quotes from multiple insurance providers can actually help you save some money by bagging the best possible deals. However, you will have to cast a look at the different types of auto insurance coverage available to you and inspect if you might need them.

    The first of these is the comprehensive coverage which becomes very handy when your car is damaged by forces which are beyond your control, other than a fellow motorist. For example, if your car has been damaged due to a fire, a flood or a hurricane or an act of vandalism then you … Click here to read more