Auto Insurance Guide Archive for April, 2012

• 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