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Archive for October, 2010

Two Circumstances When Comprehensive Coverage Is Not Needed

Tuesday, October 12th, 2010

For most people, when they look for auto insurance quotes, they look for comprehensive coverage. This coverage will replace the value of the car for non-accident type incidents, like flooding or if the car is stolen; the insured receives a check for the value of the automobile, and can then purchase a new vehicle. Many car owners find this to be a necessity in their policy, but not everyone should have this coverage. There are instances where the additional cost of the comprehensive coverage will add up to more over time than it would cost to replace the vehicle.

Comprehensive coverage helps to protect owners who have cars that would be financially difficult to replace. An automobile owner with a newer car or a car with a lease or loan on it will most likely be required to have this coverage; lien holders want to know that their investment is protected, regardless of the age or the condition of the car. However, someone that has paid off their loan and has an older car that is not very valuable would probably not benefit from this coverage. The value of older vehicles declines to the point that the overall cost of the policy will be more than the car is worth; in this case, putting the money in savings would most likely benefit the car owner more than paying in on the policy.

The overall condition of the vehicle is also a factor in balancing the benefit of comprehensive coverage. When a car is in poor condition, this can also drive down the overall value of the vehicle regardless of the overall age. Again, consumers have to balance the true value of the vehicle with the overall cost of the policy. There may be more value in setting money aside in a separate account than paying an insurance company for comprehensive coverage on a vehicle that wouldn’t be monetarily valued very highly.

Auto insurance quotes include many different types of coverage, but not all of them may apply to any given vehicle. Comprehensive coverage is an excellent option for cars that are newer, and may be a requirement for vehicles that are still being paid off through a loan or a lease; the coverage protects the consumer and the lender from non collision incidents. If a vehicle is older or in poor shape, the coverage may not be the best option; eliminating it from an auto insurance quote will help to lower the price of the policy and save the customer money. Customers should look for the right balance of coverage and cost to get the best value from their auto insurance.

Three Things To Know About Multiple Vehicle Policies

Tuesday, October 12th, 2010

Vehicle insurance is a part of life these days, and there is no escaping it. Regrettably, it tends to be an expensive part of life. Like any other purchase one makes, shopping around is the key to receiving the best deal. Looking for an auto insurance quote on multiple vehicle policies is no exception. The more time spent investigating various options and comparing quotes will help to narrow the field of potential providers and present the most cost effective solutions.

First, there are many variables that come into play when looking for affordable auto insurance. Does the consumer have other coverage with the company in question, what are the ages of the drivers on the vehicles, what are the driving records of the drivers who will be on the policy? All of these factors will come into play when getting an auto insurance quote. This process is complex enough when a single driver is involved, but when looking at multiple vehicle policies, the variables increase exponentially.

One of the first matters that needs to be decided is whether the multiple drivers all use the same vehicles, or will they have their own vehicles with permission to use the other vehicles at various times. Some policies evaluate who will be the primary driver on a given vehicle and which of the other drivers listed on the policy may also end up driving a particular vehicle. These factors will have a bearing on the premiums that are charged for the policy. This condition can be applicable to multiple vehicles on the same policy, and again, the cost that is going to be associated with this type of multiple vehicle policy is going to be impacted heavily by the driving record, age and even gender of the drivers being considered.

Second, in addition to providing insurance coverage for daily use automobiles, most insurance companies also have the ability to include certain recreational vehicles with a multiple vehicle policy. Motor homes, motorcycles, and boats may all be eligible for coverage under this type of a policy. When speaking to an agent regarding an auto insurance quote for this type of a policy, be sure to address all types of vehicles to maximize the coverage they may be able to extend.

Finally, the best way to determine the costs that will be associated with a multi-vehicle policy that you may be considering is to contact an insurance agent to discuss the specifics associated with your insurance needs. The more information that an agent has, the more accurate the quote will be. The more accurate the quote is, the easier it will be to make a determination regarding which insurance carrier to go with.

The Risks Of Driving Without Auto Insurance

Tuesday, October 12th, 2010

Driving without insurance is illegal in every state except Wisconsin and New Hampshire. That fact alone should be enough to convince any motorist that there is no excuse to take the risk. Further, you can rest assured that just about any insurer is not going to give you a good auto insurance quote should you decide to join the insured crowd after dropping out for awhile.

Recent statistics show that hundreds of thousands of Americans are driving without auto insurance because they lost employment and cannot afford the premiums. That is putting a whole more at risk than you can imagine. Be found at fault in a serious auto accident, with no insurance coverage, and get ready for your very existence to be put to the test.

The legal ramifications in any accident are compounded by not having insurance. Fines, legal fees and possible at-fault penalties can mount up fast, reaching expensive levels that can confound the imagination. And there is little you can do because you have no insurance company to act as a strong mediator on your behalf. That is a side of being insured that many people never consider—your insurance company is on your side and will work hard to protect your position. That kind of legal assistance can become a priceless part of any insurance policy.

A growing number of drivers are making auto insurance a financial cutback. However, you should think in other directions about saving money. Get busy checking out online car insurers to see which ones offer the best auto insurance quotes. That is the smart way to save money for your personal needs, while ensuring that potential problems further down the line will not financially upset your life.

Adequate car insurance gives policy holders a safety net that non-insured drivers cannot have. Become injured in an accident with an uninsured motorist and rely on your insurance company to provide the money needed to repair or replace your car and, if necessary, coming to your aid in the event you have been injured. Getting that assistance immediately from your insurer is better than having to wait months or years for legal processes to establish fault and financial settlements. Even then, there is no guarantee you will ever see penny-one of what the court might have awarded you.

Even excellent drivers can be involved in an accident. Also, what if you are in a routine traffic check and the police officer asks to see proof of insurance? Without it, you can expect a stiff fine. Ask your friends, search the Web, and find a good auto insurance quote. The alternative can be too costly.

How Various States Deal With Uninsured Drivers

Tuesday, October 12th, 2010

Everyone hears the commercials and talk about how they should not be driving without auto insurance, but the fact of the matter is that there are thousands of uninsured drivers in every single state across the U.S. These drivers face a lot more risks when driving, including the risk of getting caught. There are very few states without mandatory auto insurance laws and every driver has their own reasons for disobeying the law by not getting an auto insurance quote and vehicle coverage. States have different insurance laws and different consequences for driving without insurance. Regardless of the law, however, the outcome is never good.

Many states will punish uninsured drivers by suspending or revoking their license. This is a simple, effective way to demonstrate to drivers that insurance is mandatory. Additionally, if a driver is found driving uninsured in some states, they will have to file one of three financial responsibility documents: SR22, SR22s, or SR16. These forms are part of an auto insurance policy that basically state that the driver has coverage and will not abandon that coverage for the required period of time. States vary, and required proof of financial responsibility can be necessary for two to five years, depending on the situation.

In some states, drivers caught driving without auto insurance will face fines of up to $500 or seizure and impounding of their vehicle. People who continue to drive without auto insurance will face steeper fines every time that they are caught and will likely have their licenses permanently revoked at some point. There are states that are more aggressive than others. If a driver has already been fined, has a suspension, is required to file for proof of financial responsibility, or has faced multiple other penalties for driving uninsured, some states will move to larger fines, complete revocation, and even potential jail time for some drivers. If there is ever an auto accident, the uninsured driver will have to pay for the damages and injuries out-of-pocket, as well.

Many drivers apply for an auto insurance quote and immediately assume that they cannot afford the cost. Therefore, they simply drive uninsured, hoping that they will not get caught. The fact of the matter is that most states have a law that allows authorities to send random letters requesting proof of insurance to drivers statewide. Therefore, being a safe driver does not always guarantee not getting caught. When the penalties of driving uninsured are compared to the cost of a basic auto insurance policy, it is quite simple to see that the premiums being paid are actually much more affordable than the cost of getting caught without auto insurance.

Determining The Auto Insurance Deductible That Is Right For You

Tuesday, October 12th, 2010

Finding an auto insurance quote is easier than ever, thanks to the myriad of companies that have chosen to take their business online. For consumers, a simple search will pull up a host of automobile insurance quote sites, many of which offer other insurance options as well. This can make the task of choosing the right auto insurance quote difficult, as every site will offer a different deal, a different option that helps to make their product and service more attractive. Add to this the fact that many will also offer bundled services with home insurance or discounts for more than one vehicle or driver in a household, and it is no wonder that many Americans have trouble choosing the auto insurance quote that is right for their needs. As with many things, however, the best way to go about choosing auto insurance is to start with the basics—what type of auto insurance deductible is right for you and your family?

An auto insurance deductible is the monetary amount a consumer is required to pay before the insurance company will pay out any money for damages to a vehicle. This leaves consumers with several options to make their lives simpler and easier when it comes to car insurance. The first option available to consumers is to increase the amount of their auto insurance deductible to double or triple what the company offers. This will mean lower risk for the insurance company, as there will be a lesser chance that it will have to pay for any damages. In turn, this will mean smaller premiums for a consumer, which can add up to a significant savings if no accidents occur. If a serious accident does happen, however, an insured can find themselves with a significant bill on their hands before the insurance company will be of any assistance.

The other option is for consumers to lower their deductible. Not all auto insurance companies will offer this service, but those that do will also increase the cost of a policy premium in order to off-set the lower deductible. This can be of benefit for those that do a great deal of driving for business or for pleasure, as their chances of being in an accident are far higher than those of casual drivers. While this option can be expensive due to the greater risk assumed by the insurance company, it can also be a boon to a driver who has a history of minor accidents.

No matter the type of deductible chosen, a driver must always be aware of just what they need to do in order to have their insurance coverage both begin assessing a claim and successfully completing it.

Finding Cheaper Auto Insurance Quotes For High Risk Drivers

Monday, October 4th, 2010

A high risk driver pays much more for auto insurance than drivers in other risk groups, and this can make it very difficult to afford to keep a vehicle. However, even high risk drivers can find cheap auto insurance. Here are a few tips to keep in mind that can keep your policy costs low.

The first thing that a high risk driver should do is to try to get out of a high risk classification. There aren’t too many ways to do this, but if your state offers defensive driving courses, taking one could make a major difference in your car insurance rates. This is because car insurance companies see defensive driving courses as a definite way to decrease the chances of an auto insurance claim, and statistically, such classes greatly improve the driving skills of a high risk driver. Some states and insurance companies will not offer defensive driving classes, and not every class will be supported for insurance discounts, so be sure to check with your insurance agent if you want your defensive driving class to count towards getting a cheap auto insurance rate. High risk drivers can also simply drive carefully and wait for accidents and traffic citations to leave their records, but this can take years; instead, ask your insurance agent about ways to get insurance discounts.

Every driver should occasionally look online to compare auto insurance quotes with the cost of their current policies. This is especially true for high risk drivers, or any driver who has seen rates change drastically within a few months. Comparing auto insurance quotes is fairly easy thanks to a number of new tools that are designed specifically for the purpose. Online car insurance aggregate websites make it easy for drivers to find rates from major insurance companies, and getting a few quotes can make it easier to negotiate for a cheap auto insurance quote despite a driver’s high risk past. When you look online for rates, don’t lie about your driving history, as insurance companies will eventually find out anyways. Get a list of recent traffic incidents and citations that you’ve received in the last few years to enter into online forms. Once you’ve received your quotes, narrow them down and look for a few of the cheapest ones.

Remember, you don’t have to sacrifice the coverage that you need simply to find cheap auto insurance, even if you’re a high risk. You’ll simply need to do research and be willing to speak with a few insurance agents to negotiate and get a few discounts that can drive down the cost of your policy.

How To Find More Information About An Auto Insurance Quote

Monday, October 4th, 2010

Auto insurance information can be hard to understand if you never worked in the industry or haven’t read books on the matter. With all of the definitions and terminology in a car insurance policy it is sometimes difficult to understand if you are reading the same language. When this happens, there are some ways that you can find more information about your auto insurance quote or your car insurance policy.

The first way to find out more about your auto insurance quote is to have a look at a car insurance policy and go through the definitions. Many people don’t realize that there is an entire section of the car insurance policy that is dedicated to definitions of terms used throughout the policy. This is important to read because some words that mean something in the everyday world don’t mean the same when it comes to auto insurance information. Understanding these terms can help you avoid being confused and possibly not be covered for something crucial. Reading your policy carefully is your best protection.

If you need more information about your car insurance policy, you should visit with an insurance agent to see if they can give you some insight. Many auto insurance agents are more than willing to sit down and go over auto insurance information with you because it is a good way to get future business. The more that you read about auto insurance the more comfortable you will become with it and the more fitting your coverage will be.

What will make auto insurance quotes and your car insurance policy mean so much more is understanding the concept of indemnity. This term is what insurance is built on and what it means is that the goal of the insurance policy is to get you back to where you were before your loss occurred. The goal is not to make you better off or put you in a position to be worse off, but to get you back to where you were. When your insurance does this, it has done its job.

Auto insurance information is not information that you would have learned in school or you would have read about for general amusement. A car insurance policy is not something that you would pass around at a party to have a good time, but it is something that can have a profound impact on your life. The more that you know about your car insurance policy the better your family will be protected. If you can learn more about auto insurance, you will be ahead of the game and be able to save money the right way.

Important Types Of Online Auto Insurance Tools

Monday, October 4th, 2010

Online car insurance has been a revolution to the industry that has affected the businesses themselves as well as the customers they serve. Auto insurance tools that are available online have made it possible for companies to cut back on the work force and for customers to have better access to the things they need. For consumers the greatest improvement with the advent of online car insurance has been the access to their policy that they never had before.

The first great access that consumers have thanks to online car insurance is the access to file claims without having to call a 1-800 number. Prior to the Internet, it was only possible for consumers to file auto insurance claims by calling a number and waiting on hold for hours on end or going to the insurance agent’s office. With the Internet, you can go online, access your insurance policy and file a claim just after going through a few steps that the website will walk you through with ease.

Another great benefit to consumers of having auto insurance tools online is that you can get a proof of insurance or proof of financial responsibility printed at will. Whenever you need it, regardless of the situation, all you have to do is log in and get the information you need and print it. Put this information in your car and you are always protected in the event it is need by a police officer or another driver you may have been in an accident with.

Perhaps the best thing about having online car insurance is having the access to change your method of payment at any time. If you realize that your bank account is going to be a little light the day before the payment is due and you can’t call in time, just log in and make a credit card payment. No more worried runs to the agent’s office, just simply log in and do the exact thing that you need to do.

When it comes to auto insurance tools that you have access to online there is nothing better than having access to change the policy that you claim. Online car insurance has made it so that you are in control of your insurance policy, not the insurance agent or call center that you belong to. You have complete control of filing claims, changing payment methods and printing proofs of insurance, and this is just the beginning of what you can do. Every time that you get an auto insurance quote online you should consider if the company providing the quote offers these products or not.

Knowing Whether You Are Considered A High Risk Driver

Monday, October 4th, 2010

High risk drivers have auto insurance costs that are higher than average. This is why it is so important that you know what your driving record is and how you can change your record. Your driving record is not the only reason that insurance companies consider you a high risk driver. Age also plays a part in the decision. Many times insurance companies base their decisions also on your credit history. By adjusting just a few of these factors, you can have a tremendous effect on your auto insurance costs.

The local police department can provide you with a copy of your driving record. This may cost you a small fee but it is well worth the price. You can also at that point ask if there is anything you can do to improve your driving record or the points on your license. If you have a high number of points on your license, many insurance companies will not even consider you for insurance. The quickest way to fix this problem is to take a safe driving course. These courses can provide you with a quick review of the rules. They usually only take one day to complete and most of these courses will take at least two points off of your license. The number of points that are on your license directly correlates with the amount of your insurance premiums.

There is another important item to think about when you are considering high risk drivers. That is the age of the driver. Many insurance companies believe that younger drivers or beginners are in the high risk category simply because of their inexperience on the road. At the other end of the spectrum, many insurance companies also believe older drivers are high risk. Older drivers have more experience on the road, health conditions that they have may play an effective the driving such as: failing eyesight, slower reflexes, and unexpected health conditions.

A bad credit history report can have a damaging effect on your auto insurance costs. Many companies feel that risky financial behavior can also translate into risky driving behavior. Improving your credit score by just a few points can have a tremendous effect on your auto insurance costs. Any of the three major credit bureaus can provide you with a free credit report one time per year.

Checking your credit history report and driving record can save you money. Age is the only portion of the equation that you cannot control. Your driving record and credit history can prove that you are not a high risk driver. Develop safe driving habits and maintain a good driving history to get the best deals on auto insurance at any age.

What To Expect In A Standard Auto Insurance Quote

Monday, October 4th, 2010

There are a few key things that should be expected in a standard auto insurance quote. Standard auto insurance is going to have basic auto insurance information on every quote that will not change according to the type of coverage being inquired about. This means people can request quotes for full coverage, liability only, or extra add on rider policies and they will all have aspects common to every one of them.

Each standard auto insurance quote will have identifying data. This auto insurance information will include the name and address of the insurance company, as well for whom the quote was prepared. This is important information to have because it is with this information that a check can be made on the reliability of the insurance company. Take this information and research information about this particular company in the state regulatory department to see if there have been any complaints against the company or its agent to make sure that a legitimate provider is being dealt with. It might also be the right time to check the financial standing of the company through a private rating agency. Standard auto insurance policies should be invested in reputable companies only.

Other pertinent auto insurance information that will be included in a standard auto insurance quote is a quote number and the date the quote was issued. These are a priority because when a quote is given, it is guaranteed for a specific pre-determined time. This is a way of locking in a rate, because rates to change according to the underwriter’s determination of risk for that day, and could vary as risks rise. If there is a quote number and date, the client is able to keep a lower price even if prices do change. This allows the insured to feel free to get other quotes without worrying about losing a lowered rate.

Obvious auto insurance information that can be expected on a standard auto insurance quote is amount of the premium and amount of coverage. The premium price quoted could be in an annual, bi-annual, or monthly breakdown according to the preference of the insurance provider. The amounts of coverage will indicate liability, bodily injury, property and medical payment limitations are in that particular quote. The age and gender of the driver are also sometimes included along with any type of discounts offered. This is the type of auto insurance information used to compare companies against one another.

Standard auto insurance quotes will all include this basic auto insurance information. Information is power to the insured in its ability to arm the client to determine which policy will provide the best protection and the greatest price possible.

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