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How To Appeal An Auto Insurance Rate Increase

October 7th, 2012

Auto insurance rate increases can happen for a variety of reasons. Auto insurance carriers may increase rates annually as a matter of policy. Rates may also increase due to substantial payouts because of natural disasters or other Acts of God that severely affect the insurance carrier’s profitability for that year. Rates can also increase due to an increase in federal or state taxes or overhead related to the carrier’s ability to continue providing comparable levels of coverage to new and existing coverage. Finally, auto insurance online or offline rates can increase after the driver is involved in an auto accident. With all but one of these reasons, there is no recourse for the insured to appeal an auto insurance rate increase, unless there is a consumer group that gets involved. In the case of an insurance rate increase that results from the driver’s involvement in an auto accident, however, there is an appeals process that can be followed to contest the rate increase.

When appealing a rate increase for auto insurance online or offline, it is very important to be aware of the terms of the policy contract as they stood when the policy first went into effect. Auto insurance online or offline policies will spell out how accidents are treated concerning increases in auto insurance rates. Some insurance carriers may have what is called “accident forgiveness” where the first accident may not come with any type of insurance rate increase. Other insurance carriers may not offer this policy. However, once the policy is set and agreed to, the only real leg the insured has to stand on is to attempt to obtain a reversal of an “at fault” ruling after the accident. Since all states follow a fault based system for damages to vehicles that are involved in an auto accident, the driver at fault is most often the individual who can expect to be hit with a rate increase following involvement in an auto accident.

Since insurance carriers are subject to each state’s set standards of fault, the way to appeal an auto insurance rate increase is to find out what the governing body is in the state in which the accident took place, and follow their appeals process to reverse a ruling of being at fault in the auto accident. Since this can take some time, it is important to continue paying premiums on time each month at whatever rate is being assessed in order to avoid losing coverage while the appeal is being processed. A thorough understanding of how the appeals process works in a specific state are helpful in planning ahead for policy increases during the waiting period.

Counting Your Car Insurance Cost And Then Lowering It

September 19th, 2012

When customers compare car insurance quotes in an attempt to understand what is contributing to the total car insurance cost, it is usually with the intention of saving as much money as possible. Car insurance has features that can be compared, but it can be difficult, especially when different types of coverage or maximum policy limits are being quoted.

Every state has certain minimums that must be met, usually for property damage and bodily injury liability. The minimum amount varies by state. Everything after the minimums required by law is considered optional insurance, which can be manipulated or omitted in order to lower costs. Of course, some lien holders require collision or comprehensive coverage be carried as a condition of the loan, so it is important for the customer to be aware of his individual circumstances.

Comparing Car Insurance Quotes

The key to understanding car insurance quotes is to request that every quote list the same types of insurance and policy limits. It is also important to be sure that every quote lists the same deductible for insurance such as collision. When comparing car insurance quotes, the customer needs to be able to understand how to read the quote. Basically, the quote will be broken out by vehicle.

The quote should then total the premium amount for the vehicle, which is the sum of all the coverage being sold under that particular policy. If the customer wants a particular type of insurance but does not see it listed, then he needs to request a new quote.

How to Lower Car Insurance Cost

There are three strategies for lowering car insurance costs that the customer may be able to utilize to lower the cost of their premium. The first would be to compare identical car insurance quotes from multiple carriers in an attempt to determine which is cheapest. The second would be to lower liability limits, raise deductibles, or remove optional coverage such as collision from the quotes altogether. Doing so will usually lower the total premium cost of the quote because less insurance is being purchased. Finally, the customer can inquire about any discounts that the insurance company might offer. Often, insurers offer good driver and multiple discounts that can save a substantial amount.

A customer in the process of figuring out car insurance cost needs to understand how to read the quote in order to accurately compare car insurance quotes. Combined with the strategies for lowering car insurance premiums, this may allow the customer to save a significant amount of money.

Understanding Liability Car Insurance Components And Criteria

September 14th, 2012

Liability car insurance is defined as the legal obligation a policyholder to pay in case of a car accident, for other property damaged and personal injury. That can include loss of income and other less obvious issues. It is mandatory in every state. Some require higher minimum coverage than others do but it is the law that all licensed drivers who reside in the state carry this type of insurance. The minimums are a basic safety net but are not calculated to cover all potential financial obligations that may be incurred by the driver as a result of an accident that he caused. To be safe, it is wise to buy as much car liability as you can realistically afford. If you buy cheap car insurance, you will not be fully protected and that is what insurance is for.

Liability car insurance is represented by three numbers with the format 25/30/20. The first number is the amount that an injured party could receive in the event of an accident in which the insured driver is at fault. The second number is the total amount to be paid per event regardless of the number of people injured and the third is the amount of property damage to be paid per event. Although all states require minimum liability car insurance, the amount varies widely. Currently the lowest required minimum is 10/20/10 in Oklahoma and the highest is 50/100/25 in Maine.

Typical accident claims exceed the minimums, often by substantial amounts, so it makes good sense to purchase more coverage than it does to buy cheap car insurance. The odds are that if you do, you could be paying many times what your insurance company does in the event of a catastrophic incident. The fact is the being under insured can led to long-term financial disaster.

There are two types of liability car insurance. The first is bodily injury liability, which means that the insurer of the at-fault driver is responsible to pay the driver, and/or the passengers in the other vehicle an amount up to the limit stated in the policy. Bodily injury liability is not the same as personal injury coverage that pays for the policyholder’s injuries. The second type is property damage liability, which pays for damages to property, other than the vehicle, that is incurred as a result of the accident. This can include anything from light poles to mailboxes to trees and fences.

Having enough liability car insurance is important. To buy cheap car insurance is to be open to significant personal financial responsibility in the event of a serious car accident. Complete coverage is protection against that eventuality.

Where To Find Deals And Steals Before You Buy Car Insurance Online

September 7th, 2012

It is important to investigate and research the types of available deals before you buy car insurance online. There are many great ways to buy car insurance online these days including a fast rate quote for student car insurance and as a buyer, you have many options.

You can select several brand name insurance companies and start visiting their websites to learn more about each company. While you are there, you may want to get a free rate quote by providing them with a few basic pieces of information. After comparing a few different quotes from top companies, you will notice that some rates are a little higher than others and no two rates seem to be exactly the same. Some companies include more coverage than other companies while others might throw in more additional features and extra benefits to make a person feel more valued as a customer. By knowing where every company stands and what they are prepared to offer, you are one step closer to becoming a smart car insurance shopper who knows how to save dollars.

When you have found the company that you would like to deal with, you may notice that you can save an additional amount of money by inquiring about student car insurance discounts and auto debit plans that automatically deduct money from your checking account. In addition, you might want to choose the popular option of paying your insurance premiums for the next six months with an advanced upfront payment.

Do not be afraid of looking for better deals to buy car insurance online by getting an accurate online rate quote if your current insurance company is changing your rates by continuously raising your rates. A bodily injury liability plan is the basic amount of coverage in which you need to cover bodily injuries on death in the result of an accident that might be caused by you while driving. If this is the only amount of insurance coverage that you require, do not get persuaded by a high pressure insurance sales representative to get a complete package of extended coverage including collision coverage and comprehensive coverage. Uninsured motorist insurance can really come in handy if this benefit is a part of your plan and you unexpectedly are rear-ended by someone who does not have any car insurance.

After an accident, medical payment benefits can pay for the costly medical expenses that are accumulated for not only the policyholder, but also the passengers who are involved in an accident. Additionally, it is great to have rental car benefits that are provided by your insurance company. These benefits are greatly appreciated in times of need.

Tips And Tactics Of The Quick Car Insurance Quote

September 2nd, 2012

Are you interested in learning more about the tips and tactics of the quick car insurance quote? The quick car insurance quote is something that has come on strong in recent years. A quick quote is the best way for an individual, such as a parent who is looking for cheap car insurance for teens, to get a basic proposal from an insurance company that informs them of what type of rate that particular company has to offer at the time. Car insurance rates can be more quickly obtained through an internet website quote than by talking on the phone or by any other conventional method such as going into an insurance office. One of the most important things to remember is that you must be sure that the source of your quote is a legitimate one. You can tell which websites are real and reputable by usually looking on their web pages for seals of approval from reputable sources such as the BBB.

It is said that it is unwise to judge a policy entirely on price. By selecting the wrong company that is here today and gone tomorrow, there is no telling the depth of unorganized activity which may unfold in your future. Go with a trusted name that is valued by the majority of people in the insurance world for providing quality service for a long period of time. It is helpful to know what the minimum liability requirements are for your state because you will then be able to align your policy to closely resemble this structure. If you are one of the many people who require additional insurance coverage such as comprehensive coverage or collision coverage for your vehicle, there are ways to literally build a custom policy for yourself online from the ground up. If you are a California resident, you should be aware that the minimum liability limits are set at 15/30/5. This way you can get a quote for the exact amount of coverage that you need. There may be times when an insurance company may set the limits of your policy too highly in order to make more money.

These days insurance companies should compete strongly for your business so do not sell yourself short. Taking the time to carefully look over different plans in order to find the right one that gives you the most benefits would benefit you greatly, including cheap car insurance for teens. There are many great benefits to look for like roadside assistance, towing and labor service, and rental car benefits that can be offered in addition to your policy by a company that really wants your business more than the others do.

Tips For Transcending Typical Car Insurance Rates

August 23rd, 2012

Many automobile insurance companies offer a free online car insurance quote to their site visitors, making insurance comparison-shopping much easier than it was before computers and the Internet became so prevalent. There are even companies online whose business it is to give you a handy way of comparing multiple quotes from several different insurance providers, making the job of finding out typical car insurance rates even easier. These quotes, however, are just general estimates of what one’s insurance costs should be, since there are so many factors affecting true policy cost that aren’t covered by a quick online car insurance quote.

There are various ways that typical car insurance rates can be raised or lowered, depending upon specific factors applicable to the person applying for coverage. As a general rule, having a faster or sportier car will increase someone’s rates, as will having numerous traffic violations or accidents. Insurance companies would much rather cover a driver with no tickets and no accidents since statistically, their risk exposure is less with these policyholders. That is one reason why younger drivers typically have increased car insurance costs since statistically; they are much more liable to cause a financial loss to the insurer by making a claim against their policy.

There are numerous ways to transcend typical car insurance rates that will not only save money on insurance premiums but also, theoretically, produce safer drivers. Enrolling in a defensive driving course or a driver’s education program at school is one example. Most automobile insurance providers give a discount to a driver who has successfully completed one of these courses. The graduate of one of these safety courses should, also, as a result of the training received, become a more capable and safer vehicle operator.

Another way to lower typical car insurance rates is to buy a car that the insurance companies consider less of a risk to insure. Fast and flashy cars cost more to insure than slower, more sedate looking cars because they are more likely to be involved in some type of incident that causes a claim. Not only do the make and model of a car have a bearing on this but also, for some insurance companies, even the color of a car will have an effect on the cost of coverage. Another factor is how likely it is that a particular model of car will be stolen.

An online car insurance quote doesn’t consider all these factors but is meant to give a more general figure that can be used in comparing one policy to another. Many things can affect the cost of car insurance, even the neighborhood in which one lives.

What The Salvage Value Of A Vehicle Is And What It Means For Insurance Claims

August 19th, 2012

Car insurance rates can increase after an accident for a number of reasons. They may do so because the insurance company has decided that you are entirely or partially at fault or because you are living in a no fault state that prohibits seeking damages from another insurance company. Sadly, car insurance rates can increase even in situations where a car is so badly damaged that the insurance company chooses not to repair it. In these cases, the company will declare your car a “total loss” and give you an amount of money based on the current value of the vehicle. This can be difficult for drivers to accept, as they often believe that their vehicle could be repaired, but it is the insurance company that makes the final call. One element involved in the determination of car insurance rates and payouts after a car accident are the salvage value of the vehicle.

The salvage value of the vehicle is what an insurance company can get for your car by selling it to a junkyard or parts dealer. They will be unable to do this until you choose to sign your car over to them, but without this consent, they will not process a claim. The amount that the salvage yard gives the company will offset the amount that they have to pay you, and can help to lessen the impact of an accident on a car insurance claim. It works like this – if you are in accident, you will call your insurance company, who will send out an adjustor to assess your vehicle. If they deem it to be a total loss, they will ask you to sign the vehicle over to them. They will then give you a settlement based on the value of the vehicle on the current marketplace, adjusted for how well you have taken care of it.

The vehicle will then be taken to a salvage yard and sold. If your insurance provider is going to pay you $5,000 and the junkyard buys the car for $1,000, then it is only a payout of $4,000 that the insurance company has to make. The greater the value of your car to the salvage yard, the smaller the amount of money the insurance company will have to pay, and the less chance that your insurance premiums will increase.

A vehicle declared a total loss can be extremely disheartening for a driver, and hearing that their insurance premiums will also rise can be devastating. Fortunately, a vehicle will salvageable parts can help to offset this increase in car insurance rates for drivers who have been involved in a serious collision.

Ways To Seek Compensation For Injuries Outside Of Car Insurance Claims

July 5th, 2012

When a driver goes looking for car insurance, they will often see bold statements indicating that the company will fight diligently on their behalf when it comes to getting a fair settlement for their car or for injury compensation. In reality, many companies are less voracious than they make themselves out to be and will often settle with another insurance provider, leaving a driver stuck with bills they cannot pay or injuries they cannot manage. In such cases, where injury compensation given by companies is not on par with injuries suffered by a driver, there are a number of options that are available in order to recover costs.

The first is approaching the other driver himself or herself and asking for assistance with the injury. It is important to understand that the driver is under no obligation to listen to or respond to this request, and will probably not due to the inherent potential for fraud. Still, this is the simplest method with the shortest time-line and can be successful in the right circumstances. A driver also has the choice to take the insurance company before the state insurance commission if they believe the settlement they were given was unfair or did not follow the stipulations laid out in their policy agreement. In some cases, even the threat of such arbitration by the insurance commission will be enough to convince an insurance company to change their tune and offer a more comprehensive injury compensation package.

If the challenge is unsuccessful, the only other option left to an insured is to use the court system. Civil systems in many cases are quite robust, so long as the state does not operate under “no fault” laws. If they do, it will not be possible to sue the other driver or their insurance company for any damages not covered. There are three ways to pursue civil action for an injured driver. The first is to sue their own insurance company for failing to provide the proper coverage at the time of the injury. The second is to sue the other party’s insurance company for failing to payout or payout a reasonable amount, and the third is to sue the other party directly. This may be necessary if the other party has no insurance or if the have been dropped by their insurance company. In any case, be prepared to retain a lawyer and be ready for a long struggle as insurance companies are notorious for fighting tooth and nail in court.

While getting the right injury compensation can be difficult, there are a number of car insurance quotes for drivers who feel that they have not been given their just due.

Simple Ways To Drop Your Car Insurance Company If They Do Wrong

June 21st, 2012

What are the simple ways to drop your car insurance if they do wrong these days? With car insurance rates steadily climbing like there is no tomorrow, you must be able to rely on your car insurance company to be able to continuously deliver you quality customer service at the lowest prices in town.

The days of piles of paperwork in one day when purchasing a car insurance plan are over. These days there is no need to wait months for a proof of insurance document like in the old days. The internet has made obtaining a real quote and all necessary proof of insurance documents simple and easy. If you are not happy with your car insurance company, abandon ship as soon as possible and find a company that truly values you as a customer. There is no need to take the abuse of a company that is unprofessional and continues to unnecessarily jack up your rates for no reason.

These days, everyone would like nothing better than to stay with one insurance company for decades, get their insurance premiums automatically deducted from their checking or savings account each month, and be able to take advantage of the most incentives and benefits available to them by being a loyal customer. As long as a person is getting the lowest car insurance rates that they can find. They will more than likely stay with the same insurance company for a long while. For this reason, your existing insurance company may match or beat a quote from a competitor if they would like you to stay with their company. Some insurance companies specialize in negotiating policies for those who would like to cancel their policy. This may be a great time to let your insurance company know that you have found another insurance company that has offered you lower car insurance rates.

Everyone knows that using an online quote website as a tool for research is quickly becoming the most popular way to get car insurance. Websites offering multiple quotes on one page after you enter your zip code are all over the internet, so remember to choose your websites wisely. Your rate quote will be based on your driving record, your type of vehicle, your age, and what type of coverage you want. Get more by choosing collision coverage and comprehensive coverage, along with extra features and benefits such as uninsured motorist coverage, roadside assistance, and rental car benefits.

It is important to also determine the amount of car insurance that you require and choose a plan that fits accordingly with your budget. There is no need to suffer when it comes to car insurance these days.

How Searching For Quotes Gets You Better Service From Your Auto Insurance Provider

May 10th, 2012

No one wants to change their car insurance provider if they don’t have to. Familiar systems and claims procedures, coupled with discounts that may have been received for long years of loyalty, make it difficult for consumers to consider switching to a new insurance provider, even if there is a need for one. Consumers are especially reluctant to change providers if it is simply a lack of service they are receiving, rather than an out and out failure on the part of the company to provide a payout or deal with a claim. What many clients do not realize, however, is that by searching for a new car insurance quote, they may be able to increase the level of service they receive from their current company – all without switching.

The new Internet 2.0 landscape has made it easier than ever to find a great car insurance quote using insurance Web sites, comparison Web sites, and even social media. For a client looking to find a new car insurance quote, a few simple clicks is all it will take in order to find a plethora of options, each with different policy features and discounts. Most sites will also come with the ability to request a custom quote that is tailored to the specific needs of a client and their vehicles. Simply searching for insurance quotes can be a great way to see what other options are available, all without even speaking to a current provider. Once a bank of quotes has been built, the next step in getting better service is to call the current insurance provider.

The idea here isn’t to threaten or cajole, but simply let the provider know what other options are available online for the same number of drivers, vehicles, etc. By presenting a list of quotes that demonstrate improved service and reliability, many consumers can give their insurance companies reason to change or improve their current policy. In some cases, it may simply be that an insurance company is too focused on recruiting new customers that it neglects those who have been loyal, and the knowledge that these customers have been looking elsewhere is often enough to change their tune. In other cases, a company may encourage a client to leave if they have found better deals – be prepared for this – if a play is made for better insurance quotes, it is a good idea to know that better options are actually waiting.

With only a small amount of searching, insurance customers can find new quotes to match or equal their current ones, and can often use these to encourage better service from their insurance providers.

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