Most Recent Auto Insurance Guide in Tips For Saving On Car Insurance

  • Montana – Tips for Saving on Car Insurance

    by Hayden Krueger

    Every state writes its own rules and regulations to ensure the safety of its citizens. These rules have to be followed at all costs. One such rule is the mandatory auto insurance rule imposed by the state of Montana. Auto insurance has been made mandatory to ensure that each driver has adequate finances to pay for damages caused during an accident. This is known as financial responsibility. The torts system makes it the responsibility of the at fault driver to pay for all the damages caused and if he cannot do so, the not at fault driver can sue him.

    The state of Montana has also fixed the minimum liability. This is for an amount of twenty five thousand dollars for bodily injury per person and fifty thousand dollars in total. Mandatory property damage coverage is for an amount of ten thousand dollars. Property damage coverage will cover all the … Click here to read more

  • Mississippi – Tips for Saving on Car Insurance

    by Hayden Krueger

    Insurance costs a lot nowadays. Many states have made auto insurance mandatory to ensure with the financial responsibility laws. These laws state that every driver must have enough finances to pay for all the damages in case he is involved in an accident. The state of Mississippi also follows the tort system that states that in every accident one of the drivers involved has to be found responsible and this person will then have to pay for all the damages caused during the accident. With these two laws, every person in the state of Mississippi has to carry auto insurance.

    The state of Mississippi has fixed a minimum liability that everyone must be insured for. The minimum liability is of the form 25/50/25. This stands for twenty five thousand dollars per person for bodily injury, fifty thousand dollars for bodily injury in total and property damage coverage for twenty five … Click here to read more

  • Kansas – Tips for Saving on Car Insurance

    by Hayden Krueger

    As is well known, the mandatory auto insurance coverages in Kansas State are much higher than the other states in the United States. Hence, the average insurance rates in this state vary between $1,000 and $3,000 for a male in Wichita, while it is between $600 and $2,000 for a female on an average. In Garden City, for a male the rates vary from $$1,000 and $3,500 and for a female, the rates are in the range of $700 to $2,500. In Topeka, the rates for male are between $1,000 and $2,500, while for a female, the rates vary from $700 to $2000. These rates had been computed for a 16-year old driver, single, male/female that drives the vehicle for more than 50% of the driving time but drives less than 7,500 miles in a year. The car could be a Chevrolet Impala of 2006 model. The coverages include the … Click here to read more

  • Michigan – Tips for Saving on Car Insurance

    by Hayden Krueger

    The state of Michigan is one of the thirteen states that follow the no fault system of rules. Every other state follows the tort system of rules. In the no fault system, every person or driver is paid for the damages incurred in case of an accident by his insurance company. This payment must be done irrespective of whose fault the accident was. However, most people do not want to pay for damages that are not their mistakes. Hence, the not at fault party is allowed to sue the at fault part in case the damages go beyond a pre defined limit. The pre defined limit changes from state to state.

    The state of Michigan has also made auto insurance mandatory and fixed the minimum liability amounts. The minimum amounts are twenty thousand dollars for bodily injury per person and forty thousand dollars for bodily injury in total per accident. … Click here to read more

  • Maryland – Tips for Saving on Car Insurance

    by Hayden Krueger

    The two most congested cities in the United States are Baltimore and Washington D.C. The state of Maryland covers the region around these two cities ensuring that Maryland has some of the busiest roads in the country. Under such conditions, the chances of accidents are very high. Therefore, it is not surprising that the state of Maryland has imposed very strict auto insurance rules and regulations. The state of Maryland has made uninsured motorist’s coverage and personal injury protection mandatory along with minimum liability for bodily injury and property damage.

    The minimum liability in the state of Maryland is twenty thousand dollars per person for bodily injury and forty thousand dollars in total for bodily injury along with fifteen thousand dollars for property damage. The mandatory uninsured motorist’s coverage should be of the same amount as minimum liability and personal injury protection or PIP should be for an amount of … Click here to read more

  • Maine – Tips for Saving on Car Insurance

    by Hayden Krueger

    Auto insurance has been made mandatory in many states and the state of Maine has followed suit. This rule is to ensure that every driver on the road today should be able to pay for any damages in case he causes an accident. This is in accordance with the financial responsibility laws. However, the state of Maine differs slightly in the fact that the minimum liability it has fixed is much higher than most of the states.

    The minimum liability fixed is a high fifty thousand dollars for bodily injury per person and a hundred thousand dollars for bodily injury in total. It is also mandatory to have property damage coverage for an amount of twenty five thousand dollars. Uninsured motorist’s coverage is not mandatory in most of the states. But it is mandatory in the state of Maine and so is a thousand dollars coverage for medical costs.

    These … Click here to read more

  • Louisiana – Tips for Saving on Car Insurance

    by Hayden Krueger

    This article focuses on a few tips to help you save some money on Auto Insurance. The first step would be to make sure you have a lot of available options. Go to many different vendors and obtain quotes. Each vendor offers different services at varying rates. The trick is to choose the vendor who offers all the services you need at the lowest rates. To choose the right services, sit down and carefully analyse your finances. You might have a great health insurance policy already. It would not make any sense to buy an auto insurance policy with medical options. Thus, you will be able to figure out which are the services you need and calculate the perfect company to provide insurance.

    There are many other discounts and ways to save money on Auto Insurance. You can choose to buy insurance for all your vehicles together. This will definitely … Click here to read more

  • New Mexico – Tips for Saving on Car Insurance

    by Hayden Krueger

    Every state in the untied States of America writes its own code of laws to govern its citizens. Every state has a lot of rules and regulations ensuring safety on the road. One such rule is mandatory auto insurance. Auto insurance is made mandatory to ensure that any motorist driving on the road will be able to pay for any damages he might cause in case he is involved in an accident. This is common in almost all the states of America.

    The minimum liability fixed by the state of New Mexico is of the form 25/50/10. This stands for a minimum of twenty five thousand dollars for bodily injury per person in an accident. It also stands for fifty thousand dollars for bodily injury in total per accident. There is also a minimum sum of ten thousand dollars for any property damage that might have been caused. Bodily injury … Click here to read more

  • South Dakota – Tips for Saving on Car Insurance

    by Hayden Krueger

    Like many states, the state of South Dakota has made auto insurance mandatory. This state follows the Tort system of rules. According to the tort system of rules, a driver in the state of South Dakota must be found responsible in the case of an accident. Then, this driver and his insurance company have to pay for all the damages caused due to the accident. Thus, to ensure responsibility of the accident financially, the state has imposed strict mandatory auto insurance. These rules have to be followed and any person found in violation will be penalised.

    Thus, one has to get auto insurance. The minimum liability fixed for the state of South Dakota is twenty five thousand dollars for bodily injury per person and a total of fifty thousand dollars for two persons. Property damage coverage must be around twenty five thousand dollars. This is the mandatory fixed amounts. However, … Click here to read more

  • Rhode Island – Tips for Saving on Car Insurance

    by Hayden Krueger

    The state of Rhode Island, like many other states in the United States had made auto insurance mandatory. This means that if any person wants to drive at any point, he must have proof of insurance along with him. Proof of insurance is any document that shows that the motorist or the driver has enough finances to take the financial responsibility of an accident, in case he is involved in one. The state of Rhode Island is a state that follows the Tort system of rules. According to this system, a person has to be found responsible for the accident by a court of law. Once a person is found responsible, he will have to pay for all the damages caused by the accident. Thus, auto insurance is made mandatory.

    Every state fixes a minimum liability. This is the minimum amount of coverage needed to ensure you are not penalised. … Click here to read more

  • Oregon – Tips for Saving on Car Insurance

    by Hayden Krueger

    Car insurance doesn’t always have to cost you a fortune to maintain. With some handy tips, you can save a lot on your insurance and even decide to increase the coverage to a higher amount. Many people don’t realize the different ways with which they can save on car insurance. By just getting quotes from multiple dealers, you can learn the cheapest way to have your car insured and ensure that you don’t go in for an option that you to shell out a lot for.

    The first tip to save on car insurance is to drive a car that is equipped with a lot of safety features that is going to ensure that the insurance company can give you a lot of discounts on the package. A car that has amenities like ABS, air bags, seat belts, GPS tracking devices and other security devices will cost less to insure … Click here to read more

  • Oklahoma – Tips for Saving on Car Insurance

    by Hayden Krueger

    In Oklahoma, there are a number of things that you can do in order to save money on car insurance. As is common with other states, car insurance is pretty expensive in Oklahoma as well and hence, drivers are constantly on the lookout for different ways with which they can save some money on their insurance. It is possible to save a lot of money provided that you do your research and put in some extra effort while getting your car insurance. Remember that car insurance is important, and the lack of it will result in serious penalties for you later on when you get pulled over for any traffic violation.

    The first important way in which you can save on insurance in Oklahoma is to drive safely. Offensive driving can lead to accumulation of points, which will definitely affect your insurance rates. Since a higher number of points accumulated … Click here to read more

  • Ohio – Tips for Saving on Car Insurance

    by Hayden Krueger

    Every citizen in the State of Ohio has made it compulsory for every person to have auto insurance. If they do not have auto insurance they must have a bond with the state treasurer for an amount of thirty thousand dollars. This bond or auto insurance is to prove the driver’s financial responsibility. He should be able to pay for any damage that might occur in the event of an accident. He should only drive a motor vehicle if he has the proof of insurance to prove his financial responsibility.

    The minimum liability that a person has to show in the State of Ohio is twelve thousand five hundred dollars for bodily injury per person and twenty five thousand dollars for bodily injury in total accounting for two persons. The minimum amount for property damage would be seven thousand five hundred dollars. This is the minimum amount imposed by the … Click here to read more

  • Indiana – Tips for Saving on Car Insurance

    by Hayden Krueger

    When you apply for car insurance in Indiana, you would be faced with two types of factors, the ones that you could not change and the ones that you could definitely change. Understanding them properly would help you save considerably on your car insurance. A few tips for saving on car insurance in Indiana are presented here for your benefit.

    Factors that you could not change are age, gender, past driving violations, previous accident claims, and occupation. Certain other factors like marital status, your geographic area of living, the type of car that you drive, and your credit rating could be changed, even though these things might take time and effort. Let us explore the possibility of saving on car insurance by analyzing these factors briefly.

    Age plays a crucial role in the car insurance premiums. Persons below the age of 25 are considered as irresponsible and reckless drivers, who … Click here to read more

  • Idaho – Tips for Saving on Car Insurance

    by Hayden Krueger

    Whether it is Idaho or any other state, auto insurance costs add considerably to the monthly bills and more so, if there is more than one car in your household. Insurance companies determine the car insurance premium based on the risk assessment of the person purchasing the policy and the other people listed in the policy as household members. It is not at all a difficult task to save on car insurance if you understand the factors that influence the premium amount fixed by the insurance companies for your car insurance policy.

    Driving History

    The first thing that insurance companies look at is your driving history and the history of the other persons included in the policy for the past 3 to 5 years. Hence, it is important that you remain a careful and safe driver as much as possible from the first day you start driving. Accidents could occur … Click here to read more

  • Nebraska – Tips for Saving on Car Insurance

    by Hayden Krueger

    Are you a motorist in the State of Nebraska? You need insurance to get on the road. However, insurance is not cheap. This article gives some tips on how to save money when you are buying insurance. These are some very simple tips that might not occur to you at all.

    You can save a lot of money by maintain a clean and god driving record. Companies charge you lesser if they believe you are a safer driver. If you have had a perfect driving record, chances are your premiums will be very low. Go to a lot of vendors. Do not be satisfied with the first quote you get. Shop around and see which vendor is offering the services you need at the best rates. Consider all the factors involved including reliability dependability and the financial condition of the insurance company itself. Be truthful and honest about the information … Click here to read more

  • Wisconsin – Tips for Saving on Car Insurance

    by Hayden Krueger

    When you going to take Wisconsin car insurance, make sure you are getting an affordable deal rather than spending extra money than what is required. With the increase in the number of insurance sites along with the agents working, it has become difficult to choose the best out of all the offers.

    Here are Wisconsin tips for saving on car insurance that can help you in getting the cheapest and the quality car insurance coverage.

    Researching is necessary for getting the best car insurance deal in Wisconsin. Search various car insurances available online and compare the charges so that you can get an idea about various car insurance deals available and choose the perfect for your car. You can shop around with the listings of the coverage that you want and also those on which you will like to gather information. There are variations in the rates for the same … Click here to read more

  • Tennessee – Tips For Saving on Car Insurance

    by Hayden Krueger

    Do you feel that your insurance rates are increasing at snarling rate every year at the time of the renewal of policy? Don’t panic. There are many tips for saving on car insurance in Tennessee. You can make use of all or some of these tips to lower down your rate of insurance.

    The place where you park your vehicle affects your premium rates. If you want to save on your car insurance keep your car in the garage. Cars which are parked on the streets are more vulnerable to street thefts and thus, considered by the insurance companies to be highly risky. Most or all insurance companies offer handsome discounts on your car insurance if they are satisfied that you park your car in the garage or a personal space where it is completely safe.

    In case you have undertaken defensive driving class test and passed it, your insurance … Click here to read more

  • Georgia – Tips for Saving on Car Insurance

    by Hayden Krueger

    The present times are not easy for many people financially due to the global economic meltdown and widespread job cuts in every country. Saving as much money as possible in every expense segment becomes quite imperative for everyone now. One of the crucial areas where a fair amount of money could be saved is car insurance. For people who own a car, the annual car insurance premiums form a significant portion of the yearly budget. Since a car is part of the modern lifestyle, you would not be able to escape car insurance but you could easily reduce its impact on your financial resources, if you follow a few simple tips for saving on car insurance.

    Combine Health Insurance and Auto Insurance

    If you would be able to prove to your auto insurance company that you are in great health condition, then the insurance premium rate quoted by the insurer … Click here to read more

  • District of Columbia – Tips for Saving on Car Insurance

    by Hayden Krueger

    It is a well known fact that the car insurance rates in District of Columbia are one of the highest in the United States. Hence, saving as much as possible on car insurance becomes quite significant. Insurance companies offer insurance rate quotes based on their assessment on the personal risk about the person applying for car insurance. As such, you should know a few tips for saving on car insurance and they are presented here in a brief fashion for your benefit.

    Extensive Research

    On the surface, many auto insurance companies would appear to be offering you high quotes. However, if you are patient enough, search extensively and do not hesitate to research thoroughly to compare prices, you would definitely be able to find an auto insurance company that gives you a much better car insurance rate. Remember that a few hours of your time in research could save you … Click here to read more