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Archive for April, 2011

What To Know About Adding A Secondary Driver

Tuesday, April 12th, 2011

If you have been driving for awhile, you probably do not need car insurance tips. If your driving record is good, it may be that your car insurance premiums are low already. However, if you get married or decide to add a secondary driver, such as a child or friend, your premiums will definitely be affected.

When you add a secondary driver, your insurance company no longer looks at your driver’s record alone. Now, when computing your premium, it will also consider the secondary driver’s record as well. Any moving violations or accidents that the secondary driver may have will now be included in your yearly car insurance costs.

Another factor the insurance company takes into account is the secondary driver’s age and gender. Male drivers aged 16 to 25 are the highest risk group on the road. Young women are also part of the high risk group. If you are part of that group as well, your premiums will rise. If you belong to another age group that does not have such a high risk associated with it, adding a secondary driver from that age group will increase your premium accordingly. In other words, if you add a secondary driver, your premiums will be shaped by both of your ages.

Even if your secondary driver is only going to drive your car once a month, the premiums will change. The insurance company will still be responsible for whatever happens when the secondary driver is behind the wheel, so even if he or she is only driving for 10 minutes, his or her driving record, driving history and age will have an effect on your policy.

If the secondary driver that you plan to add is still driving on a learner’s permit, your premiums may not be affected at first because you or some other licensed driver will need to be with the secondary driver until he or she has earned a driver’s license. However, once he or she gets a license, be prepared for a significant rise in your rates.

When your insurance company considers your secondary driver, it has to base its rates on the worst case scenario, not the best. In other words, whichever driver is the youngest or has the worst driving record will be the one used to determine the premiums from that point forward.

Car insurance tips used to be a dime a dozen. With the Internet, now they are even more prolific. Check around. You can find some very reputable sites. Run some comparison figures to see where you will find the best deal. Take advantage of whatever free advice you can find and save yourself some money.

What Car Insurance Companies Need To Know Before Insuring You

Monday, April 11th, 2011

Car insurance companies collect very specific information about you before agreeing to insure you. Whether you are speaking to a car insurance customer service agent over the phone or getting quotes online, you will be asked for details that determine whether you pose a low or high financial risk to the car insurance company. The dollar amount of your car insurance premium will depend on a combination of factors.

When getting quotes online or calling a car insurance company by phone, you will want to have specific information within reach. Besides collecting your full name, gender, marital status, and date of birth, car insurance companies will want to know your zip code. This is important information because some cities and neighborhoods have a higher rate of crime, which poses a greater risk for car theft and vehicle damage.

You will also be asked to provide the year, make and model of your car. The value of the car impacts the amount of money that the car insurance company will have to pay in the event of damages. You will also be asked how many miles your car was driven in the last year and for what purpose you primarily use your car. You are generally asked to pick from the options of commuting to work or to school, business or commercial use or for pleasure use only.

The insurance company will determine your premium based on the number of miles you travel. The lower the number of miles, the lower your premium will usually be. However, if your annual mileage falls below 4,500 miles, you will often be asked to provide documentation.

One important set of questions that car insurance companies ask is regarding your driving record. They want to know if you have had any moving violations, usually in the last three years. If you have had any accidents in the last five years, you will have to indicate that. Any DUI/DWI convictions that have occurred in the last ten years are also relevant. If any violations have already been cleared from your driving record, you do not have to mention them.

Some car insurance companies will offer discounts if your vehicle is equipped with anti-theft devices, electronic recovery systems and airbags. Usually the online car insurance quote system will ask about the presence of these devices. Be sure to also ask car insurance customer service agents about applicable discounts.

When getting quotes online, you will be asked to indicate your email address. This is so that your car insurance quote can be emailed to you. When calling a car insurance company, you will generally be given the quote over the phone.

The Benefits Of Uninsured Motorist Bodily Injury Coverage

Sunday, April 10th, 2011

Uninsured motorist bodily injury coverage is a type of coverage that can be added onto your new or existing auto insurance policy. In some states, such as New York, Maryland, and Illinois, this coverage is mandatory. In most other states, it is an optional coverage that drivers can purchase. With this insurance, a driver can receive financial compensation for injuries sustained in an accident that was caused by another driver who doesn’t carry adequate insurance or has no insurance at all.

An insurance policy pays out only the maximum limit as stated in the contract. Every driver should have liability insurance, which is used to pay out damages caused to another party. However, if a driver carries inadequate insurance or no insurance at all, the injured party could be stuck with hefty medical bills. Because of this, uninsured motorist bodily injury coverage is used to pay the difference between what the under/uninsured driver is able to pay and what the victim should be compensated for, if the at-fault driver actually carried the correct amount of insurance.

There are a few different types of drivers that can fall under this category. First, a person may neglect to purchase auto insurance completely; thus, they are uninsured against any damages they may cause to others. This is regarded as a crime. A hit and run driver falls into this category. If a driver hits a pedestrian or injures a driver in another vehicle and then leaves the scene without providing identification, by law, they are considered to be uninsured. If they are identified later, this charge is negated and they are then charged with failing to remain at the scene of an accident. They are then responsible for damages incurred. In some cases, the guilty party is not found and uninsured motorist bodily injury coverage will offset the cost of medical expenses. The third type of driver is one who purchases only the minimum required amounts of liability. The cost of accidents and injuries resulting from a crash are always increasing and the minimum limits required for an insurance policy are not always enough to pay off these bills. Uninsured motorist coverage will take effect in this case as well.

When you purchase an auto insurance policy, it is important to review all coverages available so that you are fully covered according to your individual as well as financial needs. An insurance agent will answer questions and help to advise you as to which coverages will be the most beneficial to you. Uninsured motorist bodily injury coverage will protect a driver against an unexpected accident involving someone who is not adequately insured.

The Benefits Of Supplemental Family Member Liability Car Insurance Coverage

Friday, April 8th, 2011

Supplemental family member car insurance is advantageous to owners in more ways than can be imagined. Though such insurance plans may prove to be more expensive, they are well worth the time and investment. Here, we list out some of the biggest benefits of family auto insurance coverage. Knowing the benefits will help you understand if such a type of insurance is ideal for you.

With supplemental family member car insurance it is possible to ensure adequate coverage for all the cars within the family. It also helps you ensure that all drivers are placed on an insurance coverage plan. With this type of insurance, it is easy to bring all family members who drive the cars, under a single plan. For families who drive several cars, this kind of insurance can be a perfect way to ensure everyone is covered. Besides, with so many insurance providers willing to offer bulk discounts, these plans can be very affordable.

The most significant benefit about family member car insurance is that it can accommodate multiple drivers for every car in the family along with varying driving amounts like primary driver. To take complete advantage of this feature, it is best to list out all the family members who drive the cars to ensure they are completely insured. Several insurance companies are willing to provide discounts for families insuring multiple cars on the same type of policy. This helps reduce rates further.

Another distinct advantage about family member auto insurance coverage is that you can get access to discounts easily. Many insurance companies will offer specific types of discounts based on the ages of the drivers of these cars. There are additional discounts available for family car drivers who have a good driving record. Also, students within the family who are driving the cars, would stand to get discounts if they get high grades. Hence, with all these types of discounts available, the price of supplemental family member car insurance is very affordable.

Most well-established insurance companies are ready to offer package deals when it comes to family auto insurance coverage. This is especially true when the family wishes to club all their cars under a single policy. If you already have an existing insurance provider, that company maybe the best because they are more likely to provide discounted rates. You can also browse online and shop for the best rates. These days, it is easy to get free quotes from insurance providers and this makes it easier to do a comparison of rates across multiple insurance providers. There are also price comparison tools online that enable you to check out the best discount car insurance quotes on the Internet.

Special Types Of Auto Insurance Only Offered In Certain States

Monday, April 4th, 2011

One of the largest misconceptions about auto insurance is that it is all created equal. There are many auto insurance coverage types based on how extensive the actual coverage in the event of an accident actually is. Furthermore, different states often have different qualifications, rules, and protocols for insuring drivers. Here are just a few of the special auto insurance regulations that differ between states.

Most states require at least a minimal amount of insurance be purchased for a vehicle, although one that doesn’t is New Hampshire. In lieu of insurance, drivers there can simply pay a $500 waiver fee to the state. It is a risky venture, however, to go without insurance, as it could end up costing a lot more in the event of an accident.

North Carolina stands out because it requires that drivers hold at least basic liability insurance before they will issue you a driver’s license. The reasoning behind this is more to protect other drivers that you might have an accident with to ensure they can receive compensation if you do cause them damage to their car or person. North Carolina also does not require that drivers carry proof of insurance, but it is mandated that drivers must be able to trade insurance information in the event of an accident. Again, such rules are in place not to protect yourself, but anyone you might happen to injure.

Other states, such as Michigan, have what is called “no fault” insurance. This means that compensation from the insurance company cannot be withheld or altered, regardless of whether or not the accident was your fault. California and New Jersey are two states that have enacted driver responsibility acts. In these states, a driver can only pursue economic damage in the event of an accident if they lack liability insurance. In short, this means that without liability insurance, a wronged driver can only seek the cost of damage to physical property, such as the car itself. They cannot further seek damages for personal injuries, or more abstract damages like pain and suffering. This pressures drivers to obtain liability insurance lest they be injured and unable to obtain damages for that.

It is important to research what special auto insurance rules and regulations exist in your own state, because they are not all the same. Knowing what your state specifically requires is important for motorists, as it can protect them from high costs in the event of an accident, as well as state fines for not being in compliance. Know what auto insurance coverage types are available and required in your state, and you can be protected from the risks associated with auto accidents.

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