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Archive for June, 2011

Ways That Auto Insurance Companies Will Deal With Unsafe Drivers

Thursday, June 30th, 2011

Auto insurance rates have a way of inching upwards over time; unsafe drivers tend to make auto insurance high overall. This designation, commonly assigned to first time or teenaged drivers, can also be assigned for a wealth of other issues, including but not limited to reckless or high speed driving, multiple tickets, driving while under the influence of alcohol or substances, driving for stunt or races, driving a modified or sports type car, and drivers of motorcycles or other often-termed recreational or pleasure vehicles. For these categories of drivers, finding affordable auto insurance can be challenging, and insurance companies are not inclined to be generous or forgiving for these types of drivers should unsafe activities result in a traffic ticket or auto accident.

One way that auto insurance companies will deal with unsafe drivers is to increase their monthly auto insurance rates. What this can mean for the unsafe driver is that auto insurance rates increase to the level where they are virtually unaffordable. Taking a driver safety course can sometimes assist with keeping rates manageable, but more often than not high risk or unsafe drivers are pushed into a separate category for auto insurance carriers where they are paying the highest rates – often for just minimum coverage levels. This is why it is advantageous to moderate driving habits and ensure that the risk level for the auto insurance carrier remains manageable.

Another way that auto insurance companies will deal with unsafe or high risk drivers is to cancel the driver’s insurance policy, effectively leaving the driver without insurance coverage while on the road. This is an extremely dangerous place for the driver to find himself or herself in, and leaves them wide open to resorting to insurance carriers who may offer coverage for exorbitant rates. If the policy is not suspended outright, an insurance carrier may impose significant fines for unsafe driving habits, or even a period of suspension before coverage can be resumed. This can present a significant disruption to the driver’s daily schedule as they wait for the suspension to be lifted. Since carrying auto insurance is a state-mandated requirement, it is not optional to drive unless coverage is in place, and an unsafe driver may have to resort to public transportation or favors from friends and family while coverage is sought.

The best way to avoid such difficulties is to avoid being classified as an unsafe driver. This can be accomplished by practicing safe driving habits, limiting consumption of alcoholic beverages when responsible for driving, taking a driver safety class, joining auto clubs and learning more about safe driving practices, and being a safe and respectful driver while on the roadways.

Three Reasons An Accident Can Cause You To Lose Auto Insurance Coverage

Wednesday, June 29th, 2011

If you have insurance coverage, you do not want to get involved in a car accident. This is a sure way to increase your auto insurance rates and possibly even become dropped from the plan completely. Safe drivers that do not have speeding tickets or accidents will have the lowest possible rates from insurance companies. There are three main reasons why car accidents will make you lose coverage.

The insurance companies have a system that they use to calculate your driving ability. This is comparable to a driving credit score. Each time you are charged with a speeding ticket, accident, or non-moving violation you get points added to your driving history. The more points that you incur they higher it will cost to you obtain car insurance. You may be able to do things that can lower this, however once you get too many incidents it will be considered excessive and no company will offer insurance to you at all.

Most companies can compute the risk for each person that they decide to provide insurance coverage. The lower the risk the less cost it will be for them. The higher the risk the more money it will cost them for car repairs, medical claims, and property damage. If your driving records shows a pattern of poor driving they will decide to raise auto insurance rates and eventually refuse insurance coverage.

If you were in an accident through no fault of your own then most companies will not hold this event against you. If it is determined that the accident was your fault due to being under the influence of drugs or alcohol then this is an immediate case for lost of coverage. If you were not driving within the rules and regulations of the laws of your city, county or state can also be a factor contributing to loss of coverage. Reckless driving is one way that younger drivers have expensive insurance premiums.

If your vehicle provides coverage for you but often other people drive your vehicle that can provide a reason for insurance companies to reject you from having coverage. If the person receives a ticket for any reason inside your vehicle, this will raise a red flag to the insurance company. All events that happen are recorded onto the car’s records. They will use this to recalculate your insurance rate when it comes time for your insurance renewal.

Auto insurance rates are computed based upon points assigned to you for events in your history. The least number of points that you have will have a positive effect on your insurance coverage cost. Accidents are the most damaging to your driving record and can cause loss of coverage.

Tips For Saving Money On Auto Insurance By Shopping Online

Friday, June 24th, 2011

Shopping online can save you money on auto insurance by helping you discover the best deal for you. You can save money by shopping for auto insurance online when you follow these tips to get a policy designed to meet your needs at the best price available. Considering your insurance needs and personal budget, gathering and comparing quotes that are tailored to you, checking with providers to discover additional/potential discounts, and evaluating the possibilities before committing to a policy can all help you get the right auto insurance and save money through shopping online.

Shopping online can be a great means of gathering information before making a purchase. To help you narrow your search options and hone in on the right policy, take time to evaluate your insurance needs and wants and consider your personal budget. Consider the worth of your car and what is required of you (including state minimums for coverage or full-coverage for vehicles that are not paid off), and estimate insurance usage and risks to calculate the best value for you. Providing information and making selections to get auto insurance policy quotes will help you determine what you can afford and make appropriate adjustments accordingly. For example, experimenting with different options through shopping online can help you discover if choosing a higher deductable might be worth it to get lower monthly payments.

Different insurance providers will have different prices and options for specific policies. Gathering and comparing quotes online from multiple providers that are tailored to your vehicle and personal selections can help you find the right policy at the best price.

Many online shopping venues can simplify the process of gathering and comparing online auto insurance quotes for you by allowing you to make your selections, then displaying information from a variety of providers. The discounts you do qualify for will be apparent, but the discounts you might qualify for might not be so obvious. Be aware of potential discounts such as good student discounts, or discounts for completing extra driver’s education. While shopping online, go the extra mile to research these discounts and discover what you would need to do to qualify.

After considering your needs and making careful selections as well as gathering quotes and considering prices and discounts, evaluate the best policies carefully. Read the fine print and weigh the coverage amount, payment options, and price to discover which policy is the best value and will truly save you money.

Take advantage of the online environment to gather information based on your needs and budget and to get multiple quotes and discover discounts. Evaluate the information you gather to obtain the best value and ultimately save money on your auto insurance.

Consequences Of Driving Without Valid Proof Of Auto Insurance

Saturday, June 11th, 2011

Having auto insurance is mandatory in every state in the nation, and serious consequences can result if a driver is found on the road without valid proof of insurance. Every state will have its own set of penalties and options for those who are found without insurance, and each state will have differing requirements as to exactly what type and level of insurance a driver must carry. Drivers commonly forget to update the insurance information in their vehicles or carry around expired insurance cards, but most do have a valid form of insurance. Even so, not carrying valid proof of insurance can result in a number of serious consequences.

The first action that police can take when they find that a driver is driving without valid proof of insurance is to issue a ticket for this action. These tickets can vary in fine value from $100 to $2500 and can result in jail time if they are not paid in a specified period. Tickets will also often show up on a driver’s abstract, which can negatively impact their ability to work, get insurance or even obtain a renewal on their license. It is important to understand that simply having valid insurance is not enough to escape a violation ticket. Valid proof of insurance must be carried at all times a driver is in a vehicle in order to be complaint with the rules of the road.

In addition to being issued a ticket, those who do not carry valid proof of auto insurance coverage can also find themselves in a position where their vehicles are towed by police. The longer that a vehicle remains in a police impound lot, the greater the fees that a driver will have to pay in order to get their vehicle out, and the vehicle will not be released until the driver can produce a valid insurance card. If a driver has the card at home, they will be easily able to obtain it and return to the impound lot, paying a minimum of fees but being extremely inconvenienced. If a driver does not have insurance coverage, they will find it very difficult to obtain after their vehicle has been towed for this violation.

While it can be easy to misplace or an insurance card or forget to swap an expired for a valid one in a vehicle, a driver can save themselves a significant amount of time and trouble simply by ensuring that they are never without a valid auto insurance card whenever they are driving. This will make the entire driving experience a far simpler and streamlined process, and limit the interaction drivers must have with police.

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