How To Get Low Auto Insurance Quotes For A Truck

Trucks are relatively safe vehicles, and many truck owners receive low auto insurance quotes. However, no driver wants to overpay for auto insurance, and truck owners can often decrease their rates substantially with some simple research and some careful auto insurance comparison techniques.

The first step to finding great auto insurance quotes for your truck is to decide which coverages you need. Most states require liability coverages, and if you've bought your truck on a loan or if you lease, you'll need to carry comprehensive coverage. You should carry these basic coverages regardless of the requirements of your state, however, because they can be incredibly important in an accident. Try to plan to cover the costs of a major accident, and take your driving habits into account. Many truck owners modify their vehicles with custom parts like side rails. If you modify your truck, you should buy custom parts and equipment coverage; you can cut the cost of this auto insurance add on by buying an appropriate amount of coverage relative to the cost of your modifications. You can talk to your auto insurance agent about other add ons to decide what's right for your truck. Keep your coverages low and raise your deductibles to get lower auto insurance quotes, but be careful to keep both deductibles and limits at a reasonable level.

Once you know what coverage to buy, you can start looking at online auto insurance quotes for your truck. Use online resources to gather quotes quickly, and pay special attention to the auto insurance quotes provided by major insurance companies. They'll give you an idea of what to expect for your truck's insurance premiums. As pointed out earlier, truck insurance quotes tend to be low unless your truck model has low safety ratings or if you've outfitted it in a way that makes it less safe. Choose a few of the lowest quotes, and call insurance agents from those companies. Ask about any special deals and discounts that they're offering. If you drive a particularly safe truck or if you've outfitted it with safety features like side airbags and daytime running lights, you might be surprised at how low your quotes will be. You can further reduce these quotes by taking defensive driving courses in many states.

Take your time when choosing your truck's auto insurance policy. Investigate every possible discount, and keep the insurance agents in negotiations for your policy. You can find a great rate by simply being persistent and by learning a bit about the insurance that your truck needs.

Finding Cheap Auto Insurance For An Older Car

Car insurance rates are deeply affected by the age of your car. Usually as a car gets older the value of the car goes down. However keep in mind it is different for cars that are considered to be antique or classic. In this instance your car insurance rates will most likely be higher. Auto insurance rate can vary greatly on the condition of your car. However the things that affect your car insurance rates the most of your credit history and your driving record.

There are two different types of insurance that are provided by most companies today. The first is full coverage and the second is liability only. It is imperative to know the difference between these two types of auto insurance. Liability insurance is perfect coverage for a car that is older and does not have a tremendous amount of monetary value. Also many of the older cars do not have the safety features that the newer cars provide. Insurance companies usually provide discounts for these safety features. Full coverage is usually provided to cars that are not fully paid off or have a high monetary value. Full coverage auto insurance will cover damage to your car.

Finding cheap car insurance rates for older car can be as simple as looking on the Internet. Many insurance websites provide quotes. You can simply fill out a small form and receive a quote within minutes. Once you have acquired several of these quotes from different companies it is a good idea to contact each and every one by phone. When you talk with an insurance agent over the phone be sure to inform them of your good driving record and excellent credit history. This can provide you with several more discounts and lower car insurance rates. Another way to lower your car insurance rates with an older car is to raise your deductible. Even if you have full coverage raising your deductible can lower your premiums.

While looking for car insurance for an older card can be very confusing these are a few steps to help make it much simpler. Check your credit history and your driving record. Record any safety features that your car may have even though it is older. You can also have numerous new safety features installed into an older car. This allows you to get the discounted rates of a safe car. Get as many auto insurance quotes as possible. This will make choosing a car insurance company more easy no matter how old your car is.

Finding Cheap Auto Insurance For A New Car

Buying auto insurance for a new car can be a little expensive, especially for those who drive the latest vehicle models. However, you can easily get cheap car insurance if you follow a few simple steps. What is more difficult to do is to get the right amount of coverage without having to pay a fortune. Finding a reliable auto insurance plan can save you up to 50% on your coverage, so you should make everything possible to get the best insurance quotes.

The number of car insurance providers has increased over the years. For this reason, the competition has been getting stronger. Each company features saving plans, discounts, and promotional packages designed to attract new customers and keep the existing ones. With a little research, anyone can find an auto insurance company that offers a flexible policy at an affordable rate with great coverage. The most effective way to compare the available insurance plans and find cheap car insurance is to go online.

The Internet enables customers to collect vehicle insurance quotes from different companies and brokers. There are dozens of viable quote comparison websites that can help you compare the best offers side by side. Depending on how much coverage you need, you can get an affordable rate. This is why you should shop around and look for a low cost insurance option on the Internet. Many websites provide honest reviews written by customers who have already tried the services, so make sure you read them carefully.

It is important to understand that getting a quote does not mean that you automatically would be getting the best vehicle insurance. Every company has its own rules and conditions that you have to be aware of. In order to get cheap car insurance for a new vehicle, you might need to install safety devices, take some driving classes, and keep your driving record clean. Keep in mind that there are several factors that affect your rates including the year your car was manufactured, as well as your age, gender, and driving history. If you own an expensive sports car, then you will pay higher rates. Some insurance providers offer a discount if the vehicle is not driven that much or if you live in a small town where the risk of getting involved in a car accident is low.

Getting auto insurance quotes online can save you hundreds of dollars on your policy. It is recommended to check out at least five insurance providers before making a decision. If you want to get cheap car insurance without having to wait or spend precious time filling out dozens of forms, then you should use quote comparison websites and buy auto insurance online.

How To Expedite An Existing Auto Insurance Claim

Auto insurance is a necessary thing to have and can be so beneficial if the unforeseen happens. Vehicle owners put so much thought into preparing for insurance claims by assuring that there is enough coverage and the company that they deal with is reputable. But then when the time comes to make an insurance claim, they may feel helpless and at the whim of the insurance providers. There are ways to expedite an auto insurance claim and it starts by aggressively pursuing the following methods.

In a virtual world, the days of stepping into physical buildings are not necessary. Not only is the internet available to auto insurance clients for convenience purposes, but now it can be used to expedite the settling of an insurance claim. The first way to quicken the process of settling a claim, especially true if an incident occurs during the middle of night or on a weekend, is to report the insurance claim online. So many auto insurance companies offer the option of filing an insurance claim online because it benefits all parties involved. It captures all of the pertinent details in writing and gets the initial process started a lot quicker. Tracking a claim, ordering work done by vendors, and seeing the status of repair and payouts made are all examples of information attained at the click of button. This means less time writing and answering questions, and more time and energy can be devoted to getting an insurance claim settled.

Another method often overlooked is the use of the auto insurance agent. Establishing a good working relationship with the agent that is handling the insurance claim is key to better and quicker resolution. It is the job of the auto insurance agent to know the laws, rules, policies and practices of the auto insurance industry. Take advantage of this asset during an insurance claim by employing the use of the agent if any problems or delays arise. The agent is the insured party's inside man to complain to and get results directly from. An agent is usually the one that gets the claims department involved and also deals with distributing funds to the owner of the damaged vehicle, the repair facility, or other injured party.

These are the main ways that an auto insurance claim can be expedited. When involved with any sort of automobile collision, it is a stressful experience. It is in the interest of all parties involved that the claim be settled quickly. This goal can be attained if everyone involved proactively participates in resolving the issue as efficiently as possible.

When The Right Time Is To Purchase More Auto Insurance Coverage

Auto insurance is a necessary asset to have in today's world. Insurance coverage has provided financial support for many people who have been involved with some type of collision. There are times that it is necessary to purchase more auto insurance coverage than previously owned. Look to the following varying aspects to know when it might be time for more insurance coverage.

The first reason why it might be time to get more insurance coverage is if children start driving. Having children reach driving age is a milestone in life worth celebrating, but the more serious aspect of this is providing auto insurance for them. It is statistically known that people under the age of 25 are more likely to have at fault losses. Younger drivers are less experienced and tend to be in more of a hurry and this usually results in more collisions. This is a situation when someone wants to become more proactive in getting more insurance coverage.

Another qualifier for more auto insurance coverage is if a personal vehicle is used for work or travel. If a collision occurs while working or in another state, than insurance coverage may not be considered valid and there is a risk that the claim may be denied. A lot of companies will deny or limit claims that occur when these elements become evident. Check the written policy of the company that provides auto insurance coverage to see if commercial vehicle insurance is required or if the personal policy needs to be endorsed for business use. Also, different states have different laws as to what kind of auto insurance coverage is needed or covered. Some auto insurance providers have no fault supplementary insurance that can be added to an at fault policy in cases of traveling through other states. It is important to upgrade insurance coverage if traveling to accommodate the laws of the land and increase protection.

A final incentive for getting more auto insurance coverage is if there have been improvements made to the vehicle. A lot of automobile owners might put special accessories or upgrades to their vehicle and lose out if a collision occurs. These improvements could be special wheels, lighting, changing out engines or any other accessories. It is vital to protect every aspect of the vehicle as well as the vehicle itself.

These are three popular ways to know that it is time to purchase more auto insurance coverage. Auto insurance coverage is vital for financial protection and peace of mind, if there is enough of it. Check the written policy of the auto insurance provider to see what the limitations are and plan accordingly.

When The Right Time Is To Modify Auto Insurance Plans

Some people get auto insurance for their vehicle and then simply sit on the policy for its duration. Additionally, some car owners will often renew their existing policy year after year, making no changes and asking no real questions. What they don't realize is that they may be paying too much for their policy or, even worse, they may not have adequate coverage for their vehicle, or one that another family member drives. That's why you should look at your policy at least once a year, and even more advantageously, half way through the policy's term. Doing so can help you decide whether or not your auto insurance policy needs a plan modification. There are also a few things to watch out for that may give you a better, more affordable plan that completely covers all vehicles.

The first thing you should do is get online and do a quick search for auto insurance quotes from several companies. Rather than go to each company's website individually, which may take up quite a bit of time, there are sites that actually do the hard work for you. Those particular websites make it easy to look up and compare several quotes so that you can see what the policy prices are for different companies. Simply fill in a few bits of personal information regarding your driving record and the specific things you want in your policy, and you'll get quotes in no time. The purpose of getting these quotes is so that you can see if there are other companies out there that offer lower costs for similar coverage. That is why it's also important to make sure you put the same information into the search each time and also ensure that it matches what you currently have. This is a great way to see if anything has changed in driving habits or other such things that either positively or negatively affect your plan.

This also brings up another good point in deciding whether now is the time for a plan modification. Review your own policy and see what made it higher than expected, lower than expected, or what special discounts you may have received. Are all of the qualifying events and information still accurate? Check your driving record and see if anything has been wiped off of it, because this could make a significant difference. Also, is your teen now an adult or do they attend college? Driving ages, as well as their overall grade point averages, can make an impact on the amount you pay to keep all drivers covered.

How Auto Insurance Claims Have Risen In The Last Five Years

In the last five years, there has been a significant increase in the number of insurance claims filed by auto insurance policyholders to their respective policy issuers. However, at the same time, there has also been an increase in the number of fraud cases, which is believed to be attributable to the economy. As consumers' finances worsen, they are more likely to engage in fraudulent activities, including and not limited to, auto insurance scams based on arson, staged accidents, disposal or "hit and run" schemes.

Although auto insurance claims based on fraud are not the only contributing factor to the noticeable increase in the number of claims filed over the past five years, insurance fraud does have a large impact on this number. According to the National Insurance Crime Bureau, there has been a 46 percent increase in the number of fraudulent claims in the past three years. This leads to a significant rise in rates that consumers pay for auto insurance across the nation.

Other reasons for the rise in insurance claims are the number and the severity of these accidents; the damages awarded by the courts; legal, medical, and administrative costs; collusion within the industry; statistical interpretation; and return on investment.

As previously stated, many of these aforementioned factors, combined in some fashion together, are all contributing to the rise in both the cost and number of auto insurance claims filed. These factors can cause the rates of policyholders to increase dramatically, even if they have never filed a claim. These costs are passed onto the consumer in the form of rate increases. In the last three years, the total of these increases has been about 24 percent overall.

Additional factors contributing to the rise in insurance claims filed are the relative inexperience of new drivers and the increased number of older drivers. Even though there has been less driving on the roadways, due in part to the increase in gas prices and the downturn in the economy, there have still been a large number of accidents reported. Fraud is not the primary underlying cause of these accidents-distracted driving due to reading and sending text messages and talking on cellular phones are also causes for accidents on the roadways just by themselves. Many states have enacted bans on talking or texting while driving, citing the dangerously distracting nature of these activities on drivers. Other factors that have contributed to the rise in auto insurance claims are the relative difficulty and expense in the repair of newer, late model cars for relatively minor damages, due to the increased push for safer, more efficient cars.

Reasons Why Online Insurance Quotes Can Be More Cost Effective

Online auto insurance quotes can be more effective and one can save more money because they eliminate the middle man and provide multiple quotes. One may have access to a variety of auto insurance companies to choose from and receive cost effective quotes in a matter minutes.

Comparing insurance rates has never been easier. Avoiding a middle man gives one the freedom to choose a plan which they think is best. If one does not require full coverage, they can elect to only buy a plan with minimal liability coverage from the company that offers the lowest rate. There are times when working with an insurance agent can be a disadvantage because this person may try to be pushy and sell a plan which allows them to receive the most profit. Another problem which may arise is when one gives a troublesome agent too much information and they are harassed with annoying phone calls from an agent trying to close a quick deal. With an online quote, one usually should not have to provide very much personal information beforehand and there is no cost or obligation for taking advantage of this convenient service.

Since cost effective quotes from an online website are a compilation of information which represents a hybrid of top insurance providers, the quotes should be less biased. Getting a quote from one company or from an agent who is playing favorites, could result in a person not getting the best deal available. With an online quote, one simply gets all the rates offered to them in less than five minutes after entering some very basic information. A car insurance quote online will usually only provide one with multiple quotes from the top companies with a reputation for providing professional quality service. New and un-established companies are not commonly included.

The company one chooses is attributed to several important factors. One company may offer more incentives for drivers over a certain age, while another may provide certain benefits which may appeal to the customer, like accident forgiveness and new car replacement. If one is looking for an insurance plan which provides twenty four hour concierge claim service, going through online quotes is the fastest way to shop around and find exactly what one is looking for.

Most people today are trying to be as economic as possible and are simply attempting to find the lowest rate available. An online quote offers several ways to lower the rates of a policy to fit one's budget. The convenience, reliability, and savings provided by choosing one's policy online is the reason why getting an online quote has rapidly become the most preferred method by many and considered to be so effective.

Common Misconceptions About Auto Insurance

Auto insurance is one of the most common types of insurance products purchased in the United States, and comes with a host of features that can be customized to the client’s liking. Anything from coverage type to deductible cost can be negotiated, and no two auto insurance policies ever end up being quite the same. But despite the prevalence of not only online auto insurance quotes but cars on the road, many consumers have a startling number of misconceptions about not only auto insurance but how it works for them in case of an accident. Here are a few of the most common misconceptions clients have about the car insurance industry.

First, many people assume that if their car is damaged in an accident, the insurance company will fully fix it. This is not true. An insurance policy will pay for repairs to a car up to the coverage limits laid out in the policy. Should a policy have $15,000 in property damage coverage but the cost of the repairs after an accident end up being $20,000, the $5,000 difference will be borne entirely by the policy holder. What’s more, should the cost of fixing the vehicle be more expensive than writing it off and paying the client the amount the car is listed for in the Blue Book, the car will be declared a total loss. This can happen even if the damage to the car does not reach the maximum coverage – it is the choice of the insurance company.

Consumers also often believe that a phone call to their insurance company, simply to inquire about a policy, a claim, or just for general information will result in rates being raised. This is no longer the case, as almost all states have laws which prevent them from changing rates without a specific reason. A simple inquiry does not constitute use of an auto insurance policy, and therefore no rate increases are reasonable. Some consumers are also confused by the nature of estimates after an accident. An insurance company will typically require estimates from two or three body shops before they will approve payment for work done to a car after an accident. Some drivers deliberately go to auto body shops with higher rates, receive their insurance payout, and then take the car somewhere else for a cheaper fix, pocketing the difference. This is not a clever idea, but insurance fraud. Some companies pay auto body shops directly, but all will want a copy of a paid invoice.

While an auto insurance quote can seem confusing, as can the execution of a policy, both doing research online and speaking with a company representative can help make the product less daunting.

How A Tort Lawsuit Can Affect Your Future Auto Insurance Quotes

Every driver wants to avoid the types of events that can cause auto insurance rates to jump. Things like traffic citations and accidents can make a major difference, and can make driving nearly impossible to afford, even if you’re driving a very safe vehicle and if your record’s otherwise decent. Because of the way that insurance prices are set, many drivers are confused as to what actually affects auto insurance quotes, and may be especially confused about the nature of insurance law–if you’re sued in a tort case (which determines the fault of a driver in an accident), for instance, will your rates necessarily rise, or are lawsuits unrelated to insurance prices?

The answer to this question can be a bit complex. An auto insurance tort lawsuit itself will not cause your auto insurance quotes to increase, as the lawsuit is simply a legal argument as to the fault of an accident–it’s an accusation, but not proof of a circumstance. Therefore, it’d be unfair for an insurance company to raise your rates simply because you’re involved in an auto insurance tort lawsuit. However, your rates will certainly rise if you’re proven to be at fault in the accident, even if the lawsuit arises months after the actual incident. This is because your driving record will be affected, and your driving record is one of the most important determinants of your auto insurance rates.

To avoid a rise in your insurance rates due to a lawsuit, you should be careful not to admit fault immediately after an accident. Don’t apologize, and simply collect insurance information from the other driver. Speak to an insurance representative first by calling your insurance company as quickly as possible. Don’t try to hide the accident from your insurer; they’ll certainly find out about it anyways. Ask your insurance agent for advice, and give them all of the information that you have. If you know that you’re going to be sued (perhaps if the other driver made an obvious statement to this effect), you should tell the agent. Allow your insurance company to prepare, and be sure to prepare yourself. Get the facts of the accident right so that the court can make a fair judgement.

Nobody likes the prospect of a lawsuit, but sometimes it’s the only way to accurately determine the fault of an accident. By staying prepared and knowing your rights, you’ll increase the chances of a judgement in your favor. You’ll also avoid an unpleasant rise in your auto insurance rates, and you’ll keep your motor vehicle record clean and clear.

How States With Contributory Negligence Laws Affect Drivers

All members of society have a responsibility to take the utmost care to keep themselves safe from harm. Usually, no one is going to purposely jump off a bridge or run through traffic on a busy highway. However, this being said, there are those who are negligent and inadvertently become injured, partially or fully as a result of their actions. This is referred to as contributory negligence. For example, you are walking along a sidewalk and then decide to cross the street. So, you run out from in between two parked cars and into oncoming traffic. The driver cannot stop, he hits you, and now you have a pile of medical bills to pay as a result. Your actions directly contributed to your injuries; and thus, the driver cannot actually be blamed for all of your injuries and be responsible for your medical bills.

When cases like this are brought forward to court, the Contributory Negligence Law comes into effect. If we look at the above example, the judge will take the actions of both the driver and the pedestrian into consideration. Was the driver speeding or distracted when the accident happened? For the sake of argument, let’s say he wasn’t. Now, onto the pedestrian; was he paying attention when he crossed the street? Did he use the crosswalk or dart out from behind an obstacle that the driver had no way of seeing? If you recall, this is exactly what happened. So, in this case, the judge would rule that the pedestrian was negligent and his actions caused his injuries. Therefore, the judge would take all of this into account and determine if a reward is justified and how much of the award should actually be paid out. In some cases, it is deemed that the driver is not responsible for paying any medical bills incurred.

Hitting a pedestrian is a very serious charge and can certainly affect a driver’s auto insurance policy. This blemish will stay on your record for as long as six years and can negatively affect your premiums. However, if contributory negligence is present, then the driver may not be deemed at fault. The accident may still show on their auto insurance policy and driving record, but not as an at-fault collision.

Most states now use comparative negligence as, depending on the circumstances, contributory negligence can be unfair. The damages are totaled and the amount payable may be reduced to reflect the portion that the driver and negligent party is forced to pay.

Currently, there are only 5 states that have adapted Contributory Negligence Laws. These states include Alabama, District of Columbia, Maryland, North Carolina, and Virginia.

The Right Time To Take A Driver Improvement Course And Its Benefits

Driver improvement courses have long been the bane of drivers pulled over by a set of strategically flashing lights. Courts use such courses as a deterrent or a punishment of sorts for infrequent offenders, in addition to fines and fees and the promise that offenses will be erased from a driver’s auto insurance record upon successful completion. When given the option of attending a course with its intended benefits, drivers often opt in, yet resent attending and are inattentive in classes as a result. In this mindset, it is all too easy to overlook the very real and significant benefits driver improvement courses have to offer.

For starters, cars are part of the technological revolution, and functionality has changed over the years. For older drivers in particular, the upgrade to a newer vehicle can come with its own set of challenges as driver and car get acquainted. Managing the bells and whistles of newer models, which may include GPS on-board systems, anti-lock brakes, automatic seatbelts, use of air bags, satellite radio, warning bells for unfastened seatbelts, iPod and mobile device syncing, and keyless entry may be distracting or confusing to a driver not used to such luxuries. Distraction at any level also equals danger when operating a motor vehicle on the roadway. Roads also change over time or with a change in location, and road conditions can change based on weather variances. Taking a course to brush up on driving in the snow or in heavy rains or flood conditions can be life-saving to a driver not used to such challenges.

As cars and roadways change, drivers also age, and any certified driver safety curriculum will include suggestions for how to adjust when vision, hearing, or reflex times change. It is also helpful from time to time to have a refresher on the best way to respond to poor driver habits of others sharing the roadways. Reminders about minimum following levels, signaling courtesy, right of way, dealing with cyclists and motorcyclists, drunk drivers, and what to do in the event of an accident, can stand a driver in good stead. Additionally, for drivers who are required to take certain medications at certain times of day, a driver course will offer suggestions about how to minimize risks and ways to evaluate whether to drive when taking prescription medications.

With the advent of video and online courses, the right time to take a driver course is any time that schedules permit and at least once annually. Most insurance carriers will offer one discount per annum for policy holders who successfully complete a driver safety course. Retaking the course annually provides dual benefits in auto insurance premium reduction and important safety reminders.

Getting An Electronic Bill And How It Changes Auto Insurance Payments

There are two facets of auto insurance that are most dreaded by consumers. The first is making a claim, as even with good coverage, the fact that a vehicle has been damaged or destroyed is never pleasant. The second is the monthly premium payment. No matter how well the insurance company treats a customer, no one likes having to pay their provider any portion of their hard-earned money. While claims will always be a part of the insurance process, and coverage cannot happen without payment for services rendered, there is now a way those consumers can make their bill payments simpler and more streamlined with the use of electronic bill payments.

There are two typical ways in which these electronic bill payments, or e-bills as they are often called, are delivered to consumers. The first is as an actual paper bill which can then be paid online. These bills are great for consumers who still want to receive a physical bill for their records, but want the convenience of paying online. Consumers will either be required to create an account and password which they can then use to access an online insurance system, or can, in many cases, set up a system whereby they can pay their bill directly from their bank account. The second option is for a true e-bill, which is directly debited from a client’s account or is simply sent via e-mail. This completely eliminates the need for any paper transfer between the company and the client.

If they offer true e-bills, many auto insurance companies will also offer small discounts for switching to a purely online service. Not having to create, stamp and mail a letter saves the company both time and money, and they will often pass a small part of those savings on to consumers in the form of a small reduction in premiums. As technology advances, some companies have even begun offering electronic bill payments via Smartphones or other cellular devices. This makes the onerous task of bill payment significantly easier, if not any more pleasant.

In a society increasingly concerned with environmental stewardship and an economic atmosphere in which companies are looking to cut costs when at all possible, the move to electronic bill payments for the auto insurance industry was a logical and efficient next step. Thankfully, e-bills benefit both consumers and companies, allowing not only ease of payment, but the security of knowing that payments are received instantly, helping to avoid any accidental gaps in coverage due to undelivered mail or other issues outside of either party’s control. The e-bill system can help a company streamline their billing process, while simultaneously making the insurance payment process easier for clients.

Drive Other Car Endorsement And When It Is A Good Idea

Auto insurance protects the policy owner against financial losses incurred as a result of an automobile accident. This insurance will pay for damages to someone else’s property or injuries. This is the basic and required insurance. You can add optional insurance to cover physical damages to your own vehicle as well. Collision covers damages resulting from a collision or upset. Comprehensive covers damages resulting from fire, theft, hail, or animal collision. Under/uninsured motorist insurance covers expenses incurred as a result of being in an accident with a driver who does not carry adequate insurance.

If you are involved in an at-fault auto accident, this will show on your insurance policy and driving record for at least 6 years. An at-fault accident will affect your insurance premiums. So, if you allowed someone else to drive your vehicle, you are also lending your insurance. If they are involved in an accident that is deemed to be their fault, your insurance rates will be affected. You will be stuck with that accident on your record for several years and be charged a higher premium as well.

Sometimes it is necessary to drive a vehicle that doesn’t belong to you. This is especially common if you have been issued a company vehicle. In this case, you probably will not have a personal insurance policy. The company who owns the policy will add a drive other car endorsement. This is an endorsement that is used mainly on commercial insurance policies and the purpose is to cover the employee, or other driver, who is driving a non-owned vehicle for personal use. This can apply to policies that are not commercial as well. A drive other car endorsement can be applied to personal policies as, if the policy owner often drives vehicles that are not listed on their policy. For example, if you rent a vehicle in another state, the car rental companies will request that you purchase additional insurance from them. This can be quite expensive. By adding this endorsement on to your policy, it will essentially extend your physical damage coverage from your personal policy to the car you are driving. This endorsement will cover you and any other family members who are listed on the policy.

Always review the coverage, limits, and exclusions contained in your auto insurance policy. Make sure that you are aware of your rights and the laws; so that you are not faced with any surprises should you need to file an insurance claim. There will be many instances where you may need to drive a non-owned vehicle and this endorsement will protect you and the owner of the vehicle from a possible financial loss.

Why The Median Auto Insurance Rate Has Increased In Florida

Fallout from the economic recession, in the form of fewer insured motorists and a spike in auto insurance fraud, has combined with rising claim-related costs and increasing traffic to push Florida’s median auto insurance rates up 4.8% over the past six months. According to recent data from the National Association of Insurance Commissioners, Florida drivers are paying the fifth highest auto insurance premiums in the country.

Florida’s growing population has meant a rise in traffic congestion around its most populous cities. The Department of Transportation’s Research and Innovative Technology Administration reports that among the ten U.S. metropolitan areas that saw the largest traffic increases in the past five years, three of them are in Florida: Orlando, West Palm Beach and Jacksonville. More cars on the road lead to more accidents, and accidents mean claim-related costs for insurers, including auto bodywork, medical expenses, hospitalization, physical therapy and legal fees, all of which rose significantly in 2009.

A more complex factor is the recession, which has affected drivers’ behavior in relation to auto insurance in two significant ways. First, it has caused financially strapped drivers to drop or reduce their coverage, meaning less money is being collected in premiums. The Insurance Research Council recently found that as many as 23% of Florida motorists do not carry the minimum auto insurance required by law, ranking it fifth in the country for uninsured drivers, and its findings also suggested that the number of uninsured is directly related to the unemployment rate.

Secondly, and perhaps most significantly, the economic downturn has triggered a notable increase in staged crashes and personal injury protection (PIP) fraud, as noted by Florida’s Division of Insurance Fraud in their 2008-2009 Annual Report. PIP is part of Florida’s no-fault insurance that covers medical treatment. According to the National Insurance Crime Bureau, Florida has ranked number one in this type of fraud for three years straight. This was illustrated most vividly in the recent arrest of more than 50 Central Florida residents in relation to an organized effort to stage crashes and fake injuries for insurance payouts. Dubbed Operation Crash for Cash’ by the Hillsborough County Sheriff’s department that began the investigation, it has resulted in racketeering charges and a renewed effort to curb auto insurance fraud in Florida.

Unfortunately, the extra costs incurred by auto insurance providers are passed on to Florida drivers in the form of higher auto insurance rates, exacerbating the financial issues that fuel the trend. Relief from rising premiums will only come with sustained efforts on the part of law enforcement officials, insurance companies and state agencies to combat fraud, enforce mandatory insurance laws and address growing traffic problems.

Why Texting Can Increase Your Auto Insurance Quote

The safest conditions for driving include driving free from distractions. Whether it’s eating, checking the radio channels or flipping through CDs, talking on a cell phone, or texting, distractions and driving are a dangerous combination, resulting in needless accidents and injuries every year. And accidents will always increase your auto insurance quote.

According to a 2008 national study, eighty percent of all those who own cell phones confessed to talking while on the road, and nearly twenty percent admitted to texting – an even more dangerous enterprise, as it involves taking one’s eyes off the wheel to compose or read messages, search for the correct keypads, and check for spelling. And almost fifty percent of drivers stated that they had been involved in accidents in which the other driver was using a cell phone.

Currently, five states prohibit talking or texting on hand-held cell phones while driving. Twenty-one states prohibit the use of cell phones by new drivers, and seventeen states ban school bus drivers from chatting on cell phones while they are at the wheel. Since texting is considered more dangerous than phone conversations, even more states – fourteen – have made it illegal for any driver to text while driving, while ten more states make it illegal for new drivers only, and one additional state forbids only school bus drivers from texting.

In accidents resulting from distracted driving, the cause is not always attributed to talking or texting, because the driver at fault knows that admitting this will only increase insurance rates. How so? A recent U.S. survey has shown that motorists who text and drive are six times more likely to end up in a collision than those who drive distraction-free. And over in the U.K., recent statistics reveal an increased likelihood of accidents of up to twenty-three times more. Once a claim is filed after an accident, the auto insurance company pays on the policy, driving up one’s future premiums, as the policy holder is deemed less and less reliable as accidents accrue. If it is true that texting is far more likely to cause accidents (and it is indeed true), then one can expect auto insurance quotes to rise based on the number of accidents resulting from distracted driving.

Although it is tempting to answer every phone call and read every incoming text message, statistics show it’s safer simply to put the hand-held cell phone away until you are out of the car. The small gratification of answering a text message is far outweighed by the increased safety and security of driving free from distractions, not to mention avoiding higher auto insurance quotes when shopping for a policy. Make safe choices for yourself and for others by avoiding texting while driving.

Where To Expect The Highest Auto Insurance Rates In The Nation

Average housing costs, job opportunities, school scores, and population are often determining elements in planning our personal and financial future. Expecting larger cities to be more expensive, have higher taxes, and more crime, all seem rational. As these elements pertain to auto insurance, the dense population almost guarantees higher rates as presumably more cars equal more claims. Thinking life in a big city like New York or Los Angeles could do more than damage to your bumper navigating among the droves of commuters, further solidifies the suspicion of higher insurance premiums. Before you turn down the big city job offer, you might want to know California and New York are not among the top 3 most expensive states in 2010 to insure your vehicle.

Recent studies awarded Louisiana as the number 1 most expensive state to insure a vehicle. Michigan and Oklahoma rank in at numbers two and three. Surprisingly, Montana comes in at number 4, just a bit higher on average than California (New York ranked number 23). Following California’s lead and 5th on the national list, is South Dakota. According to 2009 population polls, the most populated states were California, Texas, New York, Florida, and Illinois. (Louisiana being the nation’s 25th most populated state and Montana, number 45, with less than 100,000 people.) How is it that Montana, with a population of 974,989, could have average auto insurance rates higher than California with a population of 36,961,664?

While the average auto insurance per state yields some interesting and unfavorable results for the less populated states; perhaps looking more specifically at major cities will reveal a more expected report. In a study conducted in 2009, Detroit, MI ranked at the top of the list as the most expensive city to insure a vehicle. Second in line was Philadelphia, PA followed by Newark, NJ. Los Angeles, CA upped its state position from number 5 and traded it for a top city position at number 4. Last in place was Hempstead, NY. Population seems to have some impact; however, it appears not to be the sole contributing factor in which insurance companies base their premiums.

Rumored effects as to why some states on average cost more range from annual car theft to accidents where layers become involved and weather conditions all the way down to statements proposing densely populated with bad drivers.’ While these may or may not be the real reason, surely rational deduction calls for the theory that more populated areas have the potential to have higher premiums. Yet conditions specific to each city and state ultimately determine the overall cost of auto insurance rates. Conducting some online research can help people find affordable rates in any city.

California Couple Found Guilty Of Auto Insurance Fraud

In December of 2007, an uninsured teenager backed the family car out of her driveway when she accidentally struck a moving vehicle. Maria Nuno, the teen’s mother, who had auto insurance, later claimed to the insurance company that she had actually been the one driving the car when the accident took place. Based on this false information, the insurance company paid out sums based on the claim. Investigators later discovered that Nuno’s story was false, and both Nuno and her husband have been prosecuted by the county.

Both Nuno and her husband pleaded guilty to auto insurance fraud, and the court sentenced them to serve thirty days in the county jail, with two years of probation to follow. They were also ordered to pay restitution in the amount of $2,200, along with a fine of $180.

The National Insurance Crime Bureau estimates that for every insured car, citizens have to pay an additional $200-$300 per year to cover the cost of fraudulent claims. The Insurance Research Council estimated that in 2007, car insurers nationwide made excess payments totaling nearly $6.8 billion as a result of auto fraud. Not only are consumers harmed, but businesses suffer as well. Every business is forced to pay the cost of this fraud, since the added cost means businesses must charge more for goods and services than they might otherwise.

Other ways that auto insurance fraud harms consumers is the increased suspicion among insurance investigators, resulting in greater delay in the claims investigation process. A claim flagged as possibly false can take a much longer time to settle, usually involving requests for medical and police records. This results in greater hassle to the legitimate policy holder, as he waits for medical or auto repair bills to be paid. Even worse, honest policy holders who are the victims of auto theft have at times suffered from being falsely accused of fraud by overly vigilant insurance companies – yet another harmful byproduct of car insurance fraud.

Auto insurance fraud falls into two classes: hard’ or ‘soft.’ Hard fraud includes staging a false event in order to be paid out on the claim, such as refusing to confess a hit-and-run, creating injuries to those not present at the accident, and intentional collisions. Soft fraud involves legitimate claims that are padded to increase the payout, for example, adding separate damage to the claim, colluding with a body shop to increase an estimate, or having a doctor schedule needless medical visits.

Each state has passed special laws and regulations to combat fraud. Fortunately, the law worked to prevent Nuno from succeeding in her false claim; it is unknown, however, how many more escape the reach of the law through auto fraud.

Allstate Experiences Spike In Texas Weather Auto Insurance Claims

Allstate Insurance reported on Tuesday, April 27, 2010 that its storm-related auto insurance claims in Texas increased 50 percent in 2009. The company is the largest publicly traded U.S. home and auto insurer and the 2nd largest auto insurer in Texas.

The cause for the increase in auto insurance claims was said to be severe weather, including: floods, wind, and hail. Texas experienced 2.45 billion dollars in catastrophe losses in 2009, the worst in the United States. Total catastrophe losses in the nation were reported at $10.57 billion.

The cities with the largest auto insurance claims from 2008 through 2009 were El Paso, with an increase of 2,613 percent; Lubbock, which spiked 1,849 percent; and Houston, which rose 857 percent. Major increases also occurred in Beaumont, which jumped 533 percent; San Antonio, which rose 302 percent; Midland-Odessa, which experienced a 102 percent increase; and Corpus Cristi, which elevated 93 percent.

Still, despite the extreme weather, Allstate said that some Texas cities actually experienced a decline in auto-related claims during the period. They include Tyler Longview, which plummeted 91 percent; Waco-Temple-Killeen, which dropped 89 percent; Amarillo, which fell 56 percent; and Abilene, which dipped 36 percent.

The major causes of weather-related damage to a car are storms, hail, and floods. Damage to a car during extreme conditions can be minimized or even eliminated if the owner takes precautions. For example:

Clean out your garage before a storm. Remember where water has risen in your neighborhood during prior storms and then don’t park in those areas.

Park your car in a garage before a hail storm. If you are unable to do this, then after a hail storm, check your car for dents and broken glass and clean away the glass from the interior to prevent possible damage to upholstery and fabrics. Wash the dirt off the vehicle before inspection to make it easier for the claim representative to see the damage.

After a flood, open the doors and windows to air out the vehicle

Remove items from the floor of the vehicle to give yourself space to blot out the excess water.

Don’t start your car after a flood. The water that could still remain on the car could cause electrical damage or cause some other dangerous condition.

Take pictures of any damages that you can present to the claim representative. Anything you feel is vital to the claim should be taken to the agent.

Monthly rainfall records caused by storms in March occurred in New York City; Boston, Massachusetts; and Providence, Rhode Island, which contributed to a rise in Allstate’s catastrophe auto insurance costs in the first quarter of 2010. Costs jumped to $648 million from $516 million during the same period last year.

What To Check Before Buying An Auto Insurance Policy Online

Getting an online auto insurance quote is rapidly becoming commonplace. Almost every large auto insurance provider now offers this option as a part of their websites’ basic functionalities, and many consumers are far more comfortable obtaining quotes for auto insurance premiums and even purchasing them online. In many cases, the time saved and the ability to get multiple quotes to narrow down the option best for the specific consumer far outweighs the potential dangers in purchasing online insurance. Although many companies offer a safe way to get online insurance policies, here are a few things to check up on before signing on the virtual line.

The first is the company’s reputation. Often, an auto insurance quote that seems too good to be true–is. This may be because there are hidden fees or because it doesn’t cover what it should, but it can also be simply because the company does not treat its customers well. The cheapest online auto insurance quote in the world will not help a client if the company who issued it never responds to their calls or actually lives up to their promises. So, before buying a policy online, do a little homework on the company itself. What kind of reputation do they have, both online and according to people who actually use them? Do they answer their phones promptly, and do they treat customers fairly? It is essential to make sure that they do before agreeing to pay any auto insurance premiums.

Next, be sure to examine exactly what type of coverage this auto insurance company is agreeing to provide. Every state has a minimum amount of required liability and possibly even uninsured motorist coverage which all drivers must carry. Make sure to first of all check the minimum requirements are being met by the insurance policy. Next, make sure that the coverage that is being signed for actually matches what was offered. Many people are drawn in by the startlingly low auto insurance quotes offered on a website, only to discover that they offer virtually no useful coverage.

Lastly, check to make sure that the amount being paid and the methods of payment are fair. How much, exactly, are the monthly premiums? When will they be taken each month, and in what form? Does the company want a lump-sum up front? Too many people enter into auto insurance policy contracts without knowing the answers to these questions, and receive a large and expensive shock when their first month of coverage is up. When purchasing online insurance, as with buying any online product or service, research, preparation, and attention to detail are key in making sure the best coverage for the best value is purchased.

Understanding The Subrogation Procedures For Your Auto Insurance Claim

Every auto insurance quote has a subrogation clause. The purpose of this clause is to protect the insurance company from being solely responsible for paying auto insurance claims for an auto accident when there is other insurance available that should have been paid out for the claim.

For instance, if you are involved in an automobile accident and your insurance company pays for the damages to your vehicle, as well as any injuries you may have sustained, and they later determine the other driver was at fault and has coverage, your insurance company has the right to seek reimbursement from that company for the money it paid out on your behalf.

When you purchase an auto insurance premium, and there is a subrogation clause, you’ve signed over your rights to your insurance company to act on your behalf to seek to get their money back’ that was paid on the claim. Your carrier can go after those monies from the other carrier, which may include suing for those funds. This can include money paid to you from your separate health insurance or other medical insurance carrier, as well. If your auto insurance carrier paid you monies for personal injuries, and you also filed a claim with your health insurance carrier and they paid the medical claim, either one of these carriers can file for their subrogation rights to get their money back. Subrogation usually occurs after the original auto insurance claim was filed. The carrier allows you to be paid for your damages and not have to wait to determine fault. As a show of good faith, you, as the insured, can release your rights over to your carrier so that they may recoup their funds if it is determined that another driver, or legal entity, was at fault and they had insurance that would have covered the damages that your carrier has already paid to you. Usually, your insurer will have you sign a subrogation release that assigns your right of recovery against the person responsible for your loss to your insurance company

Auto insurance quotes were not intended to assist people from profiting from an accident. Subrogation rights were put in place to keep people honest and to protect insurance companies from paying claims that another company was responsible for and would have paid. It is important that you remain in close contact with your carrier during this process as they are going back and forth between companies to determine fault and what has been paid to you. You do not want to have your auto insurance premium canceled due to not cooperating with your carrier. They are there to help protect your rights as well as their own.

Understanding A Combined Single Limit On An Auto Insurance Quote

Auto insurance requirements vary by state, but there are several basic elements that all auto insurance quotes must include. The most important of these is liability insurance. Liability often forms the bulk of the amount of auto insurance premiums paid by individuals, and it is also one of the most essential parts of any auto insurance policy. This coverage is used to pay the costs if an insured strikes another object or person and causes damage or injury. Every state mandates a minimum of required liability, but the amounts vary greatly. Liability coverage typically takes two forms – split coverage and combined single limit.

The more common type of liability payout structure is split coverage. The coverage is split into two types – bodily injury (BI) and property damage (PD). BI limits cover any and all injury suffered by another party in the accident. This can include at the scene and ongoing medical expenses. Property damage coverage takes care of any damage to another person’s car or any other property damaged, such as a light standard or road sign. In states that operate under a split limit structure, it is typically written out as three numbers – for example 25/50/25 in Oklahoma. This means that the auto insurance provider will pay out $25,000 for one person’s injuries in a crash, not more than $50,000 in total for everyone involved, and not more than $25,000 for property damage. In some states, the minimums are much higher, resulting in higher premiums, and in some states they are far lower, meaning more risk for the consumer to have to pay out of pocket.

On the other hand, there are states that use a combined single limit, which is simply an amalgamation of the PD and BI coverage into one number. $75,000 worth of combined single coverage will pay out for any property damage or injury sustained in an accident. This means that if substantial injuries occurred, but minimal damage, up to 100% of the coverage could be used to help pay for treatments and hospital bills. In the same way, a collision with significant property damage but no injuries could be fully paid for by this kind of coverage. Combined single limit can be of benefit to customers, as it allows for a greater flexibility in coverage when it is most needed.

From an auto insurance quote standpoint, these two types of coverage will look the same. An auto insurance agent will be able to advise clients of exactly how their coverage will be distributed, and what kind of effect that will have on their auto insurance premiums. While both have their merits, combined single limit makes reaching the cap for either type of damage less likely.

How To Get A Driver Training Discount From Your Insurer

Auto insurance companies offer discounts to those who take driver training courses. They offer driver training courses online and offline. Drivers can save on auto insurance premiums if a driver takes the initiative to take these courses. The certificate that is issued at the conclusion of the course is submitted to the insurance company.

First, a person must get information from his or her auto insurance company on the approved driving courses. The individual needs to call the insurer and request two auto insurance quotes. Each auto insurance quote should be detailed. Individuals should request quotes that show pricing for auto insurance premiums without discounts provided. The second quote should include the pricing with the various discounts applied, if the individual takes driver improvement safety courses. The driver should then request an approved list of providers for the training. It is important to choose from a list of approved providers for the driver safety education. Many of the insurers only recognize certain courses provided from certain schools. A driver should avoid investing in a course that is not approved by the insurer. Attending an unapproved driver safety class can result in wasted time and effort. Again, the insurer will be able to provide you with the resources needed to select a course that meets their requirements.

The driver must attend the accredited course. The driver has to make sure that he or she receives the proper certification at the conclusion of the course to verify attendance. Without it, the driver will have a difficult time getting the auto insurance discount. Once a person has attended an approved driver safety course, the person will be able to request that the discounts be applied to the premium. When the insurer requests a copy of the certification, make sure to submit the previously issued quote received with the quoted discounts. A person should be prepared to submit a valid license, the insurer’s previously issued quote, and a certificate of completion. Upon receipt of the necessary documentation, the discounts are applied to the premium in accordance with their written policies.

Providers of auto insurance offer these discounts to encourage drivers to take additional courses to improve on their driving. Insurers prefer that drivers take the initiative to improve on skills such as defensive driving. This translates to a lower level of risks associated with providing auto insurance to a driver. Auto insurance discounts are given to drivers that take the initiative to take advantage of driver improvement courses. When drivers inquire about auto insurance rates, they can also ask for the specific amount of the auto insurance discounts associated with any courses that they desire to take.

How An Out Of State Accident Can Affect Auto Insurance Quotes

A carrier will issue an auto insurance quote based on several factors including location, credit and driving history. A person’s driving history is evaluated in a three-year time period. Auto insurance rates by state often vary. Different states allow certain insurance companies to divide territories into tiers based on risk. This is the reason for the variation in auto insurance rates by state. When a person is involved in an accident, a person’s premium will usually increase by 20-40% if the driver is at fault. There are multiple variables that affect the rates of auto insurance premiums where accidents are concerned. There are several ways out-of-state accidents can affect how much an individual pays for insurance.

If one is involved in an auto accident and fails to report the incident to the insurance company, there could be consequences. This is especially the case if the driver happens to be involved in an at-fault accident that occurred outside of the state the driver resides in. Insurance companies can impose a surcharge on the policy holder for neglecting to inform them of the incident and/or violation. Those surcharges could prove to be costly. An accident that occurred out-of-state can also cause a driver to have to carry more insurance. If the insurance that an individual had at the time of the accident was insufficient, that person could be required to carry an SR-22. This means that one could be required to get a specialized auto insurance policy specifically designed for an SR-22. A driver could be required to carry that for years. SR-22 policies are expensive and can affect auto insurance premiums for a period of three years. If a driver is involved in an at-fault accident in another state, that accident will affect that person’s insurance rates.

An auto accident counts against a person’s driving record regardless of where it occurred. If the driver moves to another state and obtains a new driver’s license, the auto accident will appear on a person’s new driving record with the new state. When the driving record is reviewed by the auto insurance companies, the person’s driver history in another state is also taken into consideration. It’s important to remember that states share information regarding violations and accidents. States report auto accidents and moving violations to the driver’s state of residence.

Auto insurance rates by state are determined by location, state laws, driver history, and often credit. Auto insurance quotes are determined for the most part by a person’s driver history. Auto insurance companies want to insure drivers with better driving records. It’s best to take a driver improvement course, if involved in any auto accident.

Deciding Whether A Car Alarm Will Help You Control The Cost Of Your Auto Insurance Premium

Auto insurance premiums are a big part of every driver’s budget, and although auto insurance companies often offer discounts, it is hard to keep costs down. Many drivers look for every possible way to get a low auto insurance quote, and one of the more popular techniques is by making a car less susceptible to theft via the installation of a car alarm. Most insurance companies will offer some type of discount for an alarm, as they drastically reduce the likelihood of auto theft, but before heading to your local custom auto shop for an installation, take a few minutes to consider whether an alarm could really help to get you the lowest auto insurance rates possible.

First of all, alarm discounts will only help your auto insurance premiums if you are paying for comprehensive coverage. This is the part of your policy that covers losses due to theft, acts of God, and other major claims, and if you are buying a car with a loan, you’re probably already paying for comprehensive coverage. However, if you own your car, you may not have comprehensive coverage on your policy. It is certainly worth adding, as you’re putting your vehicle at risk by driving without a comprehensive plan. Of course, adding any coverage will increase your auto insurance quote, but installing the alarm could alleviate some of the added costs.

The model of vehicle you drive and your driving habits will often affect the size of the car alarm discount that you receive. If you’re driving a vehicle in a safe area, you park in a covered garage, and your vehicle isn’t too susceptible to theft in the first place, adding an alarm probably won’t impact your policy very much. It might not lower your auto insurance costs enough to offset the price of the alarm and its installation. There are other anti-theft measures that you can take that won’t be as expensive, such as locking your garage and getting your vehicle’s VIN etched somewhere (if it’s not already on your car’s window or door).

If you’re looking for the lowest auto insurance prices possible, be sure to look at other types of discounts and do a bit of comparison shopping before you decide to install a car alarm. If you drive an expensive sports car, or if you are a city driver living in a high-theft area, they’re well worth the money, but the majority of drivers will see more of a cost benefit from a bit of negotiation with auto insurance companies. You’ll have to look at your own vehicle, habits, and policy to decide whether a car alarm is a worthwhile investment.

Finding Military Discounts On Auto Insurance Quotes

One of the noblest choices that can be made by any American, man or woman, is to serve in the military. This can be Army, Air Force, National Guard or the Reserves – all enjoy a proud history and traditions that speak to both commitment and duty. To honor both those currently serving in the armed forces, and those who have done so, many auto insurance companies offer discounts to military members, and some discount auto insurance providers were created specifically with the military in mind. These providers offer reduced auto insurance premiums as well as home insurance and investment opportunities.

The easiest way to become a member of one of these provider plans or to take advantage of a military discount through a mainstream provider is to join the military, in any form. If that is not an option, there are other ways to access the auto insurance quotes available to the military. The first is to be a family member of someone who is serving in the military. This can be a parent, child, spouse or even former spouse of a member. That connection to a member of the armed forces is often enough to grant access to the discount auto insurance offered. As well, those who have been widowed or have completed a term of service in the military are also eligible for discounts. In the case of military-specific providers, even those who have left the plan are typically able to return if they so desire.

Although auto insurance companies do offer discounts for those no longer serving, or those connected to someone who has, the biggest discounts on auto insurance premiums will always be for those who are currently engaged in active duty. Many companies feature a list of deployment zones’ and offer steep discounts to any member who is stationed there. These include places such as Iraq, Afghanistan, and El Salvador. It is also possible to access the services of these companies by being an officer in training, or being a member of numerous American military organizations. Each company has its own rules and regulations, with some dedicated to providing insurance only for the military, and some allowing a broader range of possible use. It is a good idea to contact an insurance provider directly to see what, if any, military discounts they offer and how they can be accessed.

Although auto insurance companies always operate with risk as their bottom line, they do take special pains to make sure that those serving in the military do receive some benefit for the time they are investing. The discounted auto insurance premiums received by members seem a small price to pay for their service and dedication.

4 Tips To Teach Teens About Auto Insurance Quotes

It’s probably safe to say, a universal milestone in every teenager’s life is learning how to drive and getting a driver’s license. Oftentimes, passing the driving test is the easy part when compared to what comes next; calling around for auto insurance quotes and selecting suitable coverage. Below are four tips on how to approach the four major areas of teen auto insurance-premiums, deductibles, type of coverage (liability or full coverage), and discounts.

Auto insurance premiums are your out-of-pocket costs. Typically, auto insurance premiums are recalculated every six months and are billed on a monthly basis or, at a discounted rate, every six months. The key to premiums is not to get tripped up by them. Absolutely shop around for the best auto insurance quote, but be careful not to sacrifice sufficient coverage for a lower premium. Auto insurance premium costs are directly dependent on the amount of your deductible and the type of coverage selected. The deductible is the amount you pay out-of-pocket when your vehicle has been damaged by a collision or vandalism, or involved in a theft. Your car insurance deductible-usually ranging from $250 to $1,500-must be satisfied before your insurance company pays anything; the higher the deductible, the lower your auto insurance premium will be.

The key to deductibles is to choose an amount you can afford. Do not choose a $1,500 deductible because your monthly premium is lower. If you can’t afford the extra $30 to $40 a month for a lower deductible, you will not be able to afford a $1,500 deductible to fix or replace your vehicle. In addition to selecting a deductible amount, you also need to select the type of coverage you want-liability or full coverage. Essentially, liability covers damages caused to other people and their property; full coverage is an add-on to liability-comprehensive and collision. If you are financing a vehicle, you are required to have both; and do keep in mind that each state sets the minimum liability coverage allowed in order to be legally insured. All things considered, the key to electing a type of coverage is – if your vehicle is not a lemon – it’s probably best to elect what is known as full coverage.

The key to discounts is availability and eligibility. Discounts range from multi-car/line discounts, which are offered when more than one vehicle/insurance plan in the same household is insured, to driver training discounts, usually offered as a result of driver’s education courses. There are also good student discounts, which are offered based on grade-point averages. Teen auto insurance can seem overwhelming-from premiums and discounts to type of coverage and deductibles-but keeping these four tips in mind should simplify the process.

4 Types Of Auto Insurance Coverage That Most Drivers Will Use After An Accident

A motorist’s auto insurance gets a work-out after an accident when various coverages will be called upon to pay accident costs. Coverages most likely to be used are personal injury protection, liability, collision, under or uninsured motorists, and gap. A good agent will provide auto insurance quotes for all the insurance types, taking into consideration what state requirements for auto insurance are. Vehicle owners can then decide upon what coverage they want based on the auto insurance premium to be paid.

Most automobile accidents mean injuries, so Personal Injury Protection is probably the most used type of coverage. It’s also known as PIP, or Med-Pay, because it pays medical expenses if you are injured in the accident. While Med-Pay pays only medical expenses, PIP also covers wage loss if you are unable to work, and for household services if you can’t clean your house or cut the grass. PIP pays regardless of which driver was at-fault for the accident. It also covers passengers in your vehicle. Medical treatment following an accident can be very expensive and sometimes the initial emergency room visit can easily cost thousands of dollars. Be sure to have your agent give you auto insurance quotes for several levels of PIP coverage.

Liability insurance comes into play if you caused the accident. People who you’ve injured are entitled to compensation for medical expenses, wage loss, and pain and suffering for an auto insurance accident. They’re also entitled to have their damaged car repaired. Liability insurance covers all this as well as paying for repairs to other things, such as fences, that were damaged in the accident. In some states, passengers in your car may have a liability claim against you. If you do not have enough insurance to cover the accident costs, some states allow injured people to go after your personal assets. That’s why it’s so important for your agent to give you auto insurance quotes for several levels of coverage. Then you can choose the auto insurance premium that you can afford.

If a driver hits you who does not have insurance or insufficient insurance to compensate you, you can file for additional compensation under your under or uninsured motorists policy. The amount of this coverage is usually tied to the amount of liability insurance you have. Collision insurance will pay for the damage to your own car. Some lenders require new vehicle buyers to carry gap insurance. This insurance will pay off the rest of your loan if your car is totaled while thousands of dollars are still owed on it. Make friends with your car insurance agent; auto insurance premiums may seem high, but they’ll save you money following an accident.

Finding Low Cost Non Owner Auto Insurance Quotes

A non-owner auto insurance policy covers borrowed and rented vehicles. This kind of policy will cover any damages that you cause to someone’s body or property while driving a vehicle that you borrowed from someone, and do not own. It does not cover damages to yourself and the vehicle you drive. If you crash someone’s car, the vehicle owner’s policy will pay out first. If his policy is not enough to cover the damages, your non-owner auto insurance policy will kick in. Keep in mind that you cannot add another driver to this kind of policy. Other drivers must purchase their own non-owner policies. You can secure an affordable non-owner auto insurance policy by obtaining and comparing auto insurance quotes online or over the phone.

You can visit auto insurance quote websites online to obtain quotes. Some quote websites offer non-owner auto insurance policies. Complete the quote applications online and compare the information you receive. If you obtain a cheap auto insurance quote, you will not be obligated to make a purchase and you will not be charged to obtain the information. Quote websites will provide you with accurate prices in a few seconds and they will find you the best auto insurance premium around. Shopping online is the quickest way to find auto insurance premiums, so it is worthwhile.

Alternatively, you can call auto insurance companies to obtain quotes. Tell them you need a non-owner insurance policy. You will not have a problem finding an insurance company that offers a non-owner policy because every company offers these kinds of policies. Compare prices, terms, and conditions with each insurance company that you contact until you find the best deal. Keep in mind that the only type of insurance policy that you qualify for is liability because the vehicle you drive is not yours. You should shop around and compare prices with many insurance carriers until you find a cheap auto insurance quote.

Non-owner auto insurance premiums are affordable. Annual prices for these kinds of policies range from $300-$700. Keep in mind that if you rent vehicles when you travel, you are probably better off purchasing a non-owner insurance policy. Rental car companies usually charge more for their insurance policies. Also, keep in mind, if you purchase a vehicle in the future, you must purchase a traditional auto insurance policy. Non-owner insurance is not the type of policy that you need. After you obtain an auto insurance quote online or over the phone, review the details you are provided with. Make sure you understand what kind of insurance policy you are being offered before you make a purchase. If you have any questions about the insurance policy, contact a licensed agent.

How An Auto Insurance Quote And Your Monthly Premium Are Connected

When purchasing an auto insurance policy, the first piece of information that most consumers will receive is an auto insurance quote. This can be done online or over the phone, and typically represents the cheapest auto insurance that the company has to offer. The consumer, intrigued by the low auto insurance premium, makes further inquires with the company, and eventually arrives at an agreement that includes all of the coverage that they need. However, when their first monthly car insurance bill arrives, they note that the rate quoted bears little resemblance to the auto insurance premium they are expected to pay. For many, this comes as a shock, as it seems only reasonable that the original quote and the eventual premium should be the same. Unfortunately, this is not often the case. While the two are connected, there is a wide gap which lies between an initial quote and the eventual payment.

Auto insurance quotes are generated on a low-cost, best-case scenario. They include the lowest coverage levels mandated by the state, and assume a clean driving record, well-maintained car and a host of other factors that often do not all occur together. Quotes will often say things like “as low as” or “starting from.” These give an indication that although the rate could potentially be that low, it will only occur under the most optimal of conditions. Once a basic auto insurance policy has been inquired and agreed upon, most insurance providers will begin speaking to their clients about more specific add-on coverage that they may want, or may encourage clients to increase the minimum liability that they are paying. While all states require some form of personal and property liability coverage, the basic amounts are often far too small to actually cover everyone and everything damaged in an accident. Having extra coverage is very useful, but will also increase the basic monthly premium paid. Similarly, add-on coverage such as uninsured motorist coverage, which is not mandated by all states, can be very useful but will result in a discrepancy between the original quote and the eventual price.

At its heart, an auto insurance quote represents the best monthly premium for a customer under ideal conditions. Their actual monthly rate is a reflection of their initial quote, but with extra coverage, add-ons, and their specific car details and driving history factored in. The two numbers are related, but the chances of paying the rate advertised in a quote are slim to none. While this may seem unfair, it is better to have more coverage in an accident than the basic amounts offered, as a higher premium may cost the consumer initially, but can save a great deal in the long run.

What A Good Online Auto Insurance Quote Should Include

Looking for an auto insurance quote online can be a convenient, low hassle way to get car insurance quickly. It lets you compare the costs, benefits and coverage of several different companies in a relatively short period of time. But what do you look for in a good online quote? There are actually several important things that should appear in a good online quote. Personally, you may not need every single one of them (or need them in reduced amounts) but in general they are the things most people will need if they are ever in a car accident. ??Liability coverage is very important. Every good auto insurance quote has one. Liability protects you and your assets when you are the at fault driver.

Liability covers the damaged car and any person physically injured in the crash. Your insurance company pays the other driver and your money is protected. Collision covers damage to your car when you hit another car or object. It pays to fix your car minus your deductible. It also protects you if another car hits you. Comprehensive insurance is also important as it covers what collision doesn’t and it protects against loss if your car is stolen or damaged. If you have a newer car, one in excellent condition or if your car is leased or financed, you may need this type of coverage. Uninsured and under-insured motorist coverage should also make the list. This coverage keeps you from financial loss if your car is damaged by a driver who either has no auto insurance or not enough insurance to pay for your losses.

Comprehensive or collision coverage should include options for car rental and towing/roadside assistance. If you have one or more cars that you use almost every day, losing your car to an accident, either permanently or temporarily, can place strain on everyday life. Car rental coverage would ease this problem. Roadside assistance, while an option, can be a big help when you are stranded. Both of these are well worth the cost if you can afford it.

In the current economy, the auto insurance premium has become more important than ever. When cash is tight, choices between cost and coverage are made. Higher deductibles are an option. People, with older cars may choose to eliminate collision coverage since this coverage is limited to the car’s value. Probably the last thing you should consider doing to reduce your auto insurance premium, is to choose the minimum coverage. Every state has different minimums so check with your state for a complete list. But remember, good auto insurance will protect you and your financial assets. Minimum coverage is often not enough.

Truths About Auto Insurance Rates Being Cheaper For Female Drivers

There are a number of popular misconceptions about auto insurance and the way that insurance providers decide quotes for their customers. However, some of the popular knowledge is fairly accurate–for instance, female auto insurance often costs less than auto insurance for males. This isn’t true in all cases, of course, and understanding the way that gender affects insurance statistics (and therefore, insurance rates) can be very helpful when you decide to look for a new, lower-cost auto insurance quote.

As many drivers know, insurance companies rely heavily on statistics to gauge whether drivers will make claims on their policies. This allows them to accurately give low-cost policies to safer motorists. It’s a process that lends itself to a lot of discrimination, which is why younger female drivers will often see lower rates. Women make fewer claims on average than men. Some types of “discrimination” in auto insurance rates are illegal according to state and federal law, but an insurance provider is completely within its rights to discriminate on the basis of gender. Other factors may push a female driver’s auto insurance premium higher than the average male police, however; for instance, making even a single claim or getting a traffic citation will affect any driver’s rates negatively, and the lower rate given to a female driver will disappear instantly due to these types of incidents.

Age is also a major factor in insurance company statistics, and once a female driver reaches a certain age (usually around 65), her rates will be significantly higher than male drivers of the same age. This is because older female drivers, for whatever reason, tend to make more claims. Some insurance companies have speculated that this is due to female drivers’ propensity to allow other drivers (such as their husbands) to handle the driving duties at the later stages of life, which can make a female driver less experienced when she needs to get back behind the wheel. Whatever the case, age and gender have a direct correlation, and the average cost of any driver’s insurance policy will fluctuate throughout his or her life based on insurance company statistics.

Drivers don’t have any control over their age or gender, but by keeping a clean record and regularly reassessing your insurance policy, you can lock in the lowest rates possible for your coverage. Always look at more than one auto insurance quote, and try to lower your potential risks by choosing a safe vehicle. Every driver can find low insurance rates, but it’s important to take an intelligent approach in order to avoid overpaying for your car insurance coverage. You will be lucky you did when you have a premium that’s easy to pay.

How Long Before A Drivers Auto Insurance Quotes Change After An Accident

Having an accident is stressful enough. But as any driver knows, the fallout from the accident itself is only the beginning. An auto insurance premium increase is nearly always sure to follow, and navigating the longer term impact of handling auto insurance claims, plus negotiating for a new auto insurance quote, can take even longer. This is why it is important to know what to expect and how to handle changes to auto insurance following an accident.

Drivers in search of an industry standard are in for a rude awakening – even a cursory inspection of different carriers reveals that no such standard is currently in place. Auto insurance premium increase rates, time lapse between auto insurance claim settlements and insurance rate increases vary widely. While auto insurance carriers are required to file what is called a “surcharge schedule” with each state in which they operate, these schedules can read like Sanskrit to the unskilled eye, and the insured is often left to their own devices to decipher the financial impact of rate surcharges after an auto insurance claim is filed. This can vary by number of insured on a single policy, number of vehicles, length of time as a policy holder, and more. Even for the fortunate few whose carriers offer a first-timer accident-forgiveness clause, which means that for the first accident no rate increase will be imposed, only certain applicants who fit certain criteria are eligible for such benefits. Devoting the extra time to researching whether a carrier offers accident forgiveness and under what circumstances can pay off in the event of an accident. Similarly, accepting a slightly higher monthly rate in exchange for such protective measures can be a bargain over time.

For many individuals involved in an accident, the rate increase will not appear until renewal time. But when it does appear, the increase can carry a whopping punch – most carriers hike rates between 20 and 40 percent of the insured’s current premium. Once again, it is important for a new policy applicant to ascertain the potential impact to insurance premiums in the event of an accident to avoid being swayed by low up-front auto insurance rates. Similarly, it is important to know how long the rate increase will last, and which types of accidents will incur a rate hike. Some states and carriers penalize for all violations, while others distinguish between moving, parking, and fault or no-fault incidents. Be wary of insurance agents who are unwilling to answer these basic questions about rate increases in the event of an accident. A little extra time and persistence in seeking out a quality auto insurance quote now will be worth it in the long run.

Considering Whether Car Insurance Rates Will Continue To Rise in 2010

Auto insurance rates have increased in 2010 and they are expected to keep rising. The economy has a huge impact on insurance providers, and many people will have to face higher auto insurance premiums in the near future. According to USA Today, the average auto insurance policy will increase by 4 percent. Experts recommend that consumers shop around for affordable auto insurance rates. You can request an auto insurance quote online if you want to save money. Requesting an auto insurance quote is easy and it will only take you a few minutes.

In some states, auto insurance rates have increased by 12 percent, including Montana. In Florida, State Farm has increased their rates by 9.2 percent. Twenty-three states have seen a rise in auto insurance premiums this year. Other parts of the country have seen a drop in premiums. Drivers in Idaho and Vermont have the lowest auto insurance rates in the nation. The truth is that insurance fraud and the amount of claims that are being filed is causing many insurance carriers to raise auto insurance rates for profit. Besides the increase in auto insurance premiums, certain vehicle models will cost more to insure due to risk ratings such as the Kia Sportage and Hyundai Sonata. Insurance rates have been going up since 2008, and they will probably keep rising. Consequently, many motorists are driving without insurance and about 16 percent of drivers are likely to let their policies expire without renewing them.

It is important that you compare auto insurance rates with a variety of insurance companies. If you find an expensive policy, you will reduce your auto insurance premium. You can obtain an auto insurance quote online with more than one insurance comparison website. You will have to enter your zip code, select the type of coverage you need, and complete a simple application. You will receive instant quotes in minutes. You can reduce your auto insurance premium even further by raising your deductibles and taking advantage of discounts. For instance, insurance companies may offer you discounts if you complete a safety, defensive driving course, if you have air bags, anti-theft devices, anti-lock brakes, a car alarm and other safety features. If you are a student and your grades are excellent, you may qualify for a discount. In addition, if you do not put a lot of mileage on your vehicle each year, if you keep it in a garage, if you insure more than one vehicle or purchase more than one kind of policy with one insurance company, you may qualify for discounts on your premiums. If you follow these tips, you may find a low cost auto insurance policy.

Age Groups That Pay The Least For Auto Insurance

Motorists are legally required to possess auto insurance to operate a vehicle. If a regrettable car accident transpired, an auto insurance company would help pay for any injuries or damages that resulted from the misfortune. Additionally, auto insurance may help cover the expenses of repairing or replacing your vehicle if it is either damaged or stolen. Car insurance rates are determined by many factors. Some determinants for car insurance rates are a driver’s credit history, occupation, gender, area of living, and the make and model of a motorist’s vehicle. However, another vital determiner is a driver’s age. Drivers between the ages of 50 and 65 generally receive the preeminent auto insurance premiums available on the market.

Auto insurance companies usually divide drivers into three categories to ascertain the amount that they will charge in premiums. Provided that they own a good driving history, auto insurance premiums are the least costly for drivers in the age group of 26-73. Drivers in the 26-73 age group receive reduced auto insurance premiums because they are experienced motorists that have proven over time that they can operate a vehicle in a safe manner. On the contrary, individuals in the 16-25 age group pay the highest premiums because they are inexperienced drivers that are deemed high risks on the road. Statistics indicate that drivers in the 16-25 age group are accident prone and they have historically filed the most insurance claims. Sandwiched between the 26-73 and 16-25 age groups are drivers age 74 and above. These drivers will face premiums that are a tad lower than the most risky 16-25 age group. Drivers 74 and above are considered minimal risks to auto insurance companies because some of their reflexes behind the wheel may have diminished with age.

Personal auto insurance is mandated to lawfully operate a motor vehicle. Auto insurance premiums can be quite expensive in some instances. To locate the most affordable personal auto insurance, drivers are strongly advised to seek the best insurance quote that they possibly can. Conducting research and shopping online are simple ways to find the most economic auto insurance premiums obtainable. With due diligence, online consumers can discover the foremost auto insurance premiums offered.

Many factors are considered when an agent establishes an auto insurance quote. Unfortunately for some motorists, age is of primary importance to auto insurance companies. Young and inexperienced drivers are viewed as liabilities on the road. Conversely, elderly persons are also reckoned to be perilous drivers on the road. Data has shown that drivers between the ages of 26-73 are the safest individuals to operate a motor vehicle. In particular, dependable drivers between 50 and 65 are offered the lowest auto insurance quotes.

Why An Auto Insurance Quote May Not Be What You Actually Pay

The internet has made it a simple matter for drivers to find accurate auto insurance quotes, and every year thousands of drivers go online instead of calling their local insurance agents. Unfortunately, not every auto insurance quote is accurate, though, and this can come as an unwelcome surprise to many motorists. There’s sometimes a big difference between a quote and an auto insurance premium, and, more often than not, this is due to an omission on an online form that affects the cost of insurance–a driver forgets about a certain detail of his or her record, or the insurance company doesn’t ask enough questions about the driver’s habits. However, there are several other major reasons for a discrepancy between a quote and the actual premium that a driver pays.

The first is form accuracy. Most insurance providers have online forms that generate car insurance quotes, but these forms have several issues that can throw off an estimate. Online forms assume that the information that a driver inputs is true; however, many drivers don’t remember the dates of previous claims or citations, and may not even know the exact year that their car was manufactured. Relatively minor details can make a big difference in car insurance rates, so car insurance providers double-check every estimate before offering a policy to a driver. They’ll check a driver’s record, run the vehicle’s VIN number, and more. During this process, it’s not uncommon for several details to change, which, of course, affects the overall cost of car insurance coverage.

Premiums can also change if a driver waits to sign on to a new policy after receiving a quote. Insurance companies use a wide variety of statistics to decide a driver’s premiums, and they’ll look at everything from a driver’s age and gender to the incidence of car theft in that driver’s zip code. If any of these statistics change between the time that the driver applies for an auto insurance premium and the time that the driver signs a policy, premiums could potentially change. Many insurance providers will honor the first cost they’d estimated for a driver, but of course, there’s no guarantee until a policy is signed.

When you look online for an auto insurance quote, be sure to keep printouts of every quote that you receive. This can help you out if you need to negotiate before signing a policy (for instance, if the policy’s premium is much higher than the initial quote). Answer all questions honestly, and collect several quotes–you’ll stand a much better chance of locking down a low-cost, high coverage auto insurance policy. It is definitely worth your time to look to do the research to get the best rates.

What You Need To Know When Shopping Around For An Auto Insurance Quote

You can find auto insurance for a sensible price if you shop around. You can obtain an auto insurance quote online with an insurance comparison website. You will have to enter your zip code, select the kind of policy that you need, and fill out the brief application online. After you complete the application, you will be provided with auto insurance rates from multiple insurance carriers in your area in a few minutes. You will have to compare insurance policies by their features and prices until you find the best offer. If you find a policy that suits you, you can make a purchase online. Otherwise, you can contact a licensed representative by phone to purchase a policy.

If you want to find auto insurance for an excellent price, you should obtain several quotes online and compare them until you find a policy that you can afford. If you shop from home and find auto insurance online, you will save money because insurance carriers are competing for your business. Insurance companies reduce their business expenses when they offer auto insurance policies online, so they can afford to lower your premiums. In addition, many insurance companies offer special incentives to customers that purchase policies online. Just make sure you complete the applications correctly because a mistake can affect your auto insurance quotes.

If you already have auto insurance and you are switching to a new provider, you should send your old insurance carrier a letter to inform them that you are cancelling your policy. Tell them that you have obtained auto insurance with a different company and make sure your new insurance policy will go into effect without any gap in coverage. If your old insurance provider informs the state that you are driving without auto insurance, your driver

Ways The Area You Live In May Affect Any Auto Insurance Quote

When it comes to auto insurance, zip codes are important. Car insurance providers use statistics heavily when deciding premiums and many of these statistics are centered around where a driver lives and parks. As such, regardless of the policy or amount of coverage you’re buying, your auto insurance rates are certainly influenced by your zip code. Understanding a bit more about this correlation can be extremely helpful when considering different quotes, as it allows motorists to lower their potential risk factors and find cheaper car insurance.

The biggest effect of a driver’s zip code on his or her auto insurance quote is due to theft rates in a given area. Drivers who pay for comprehensive coverage often pay for theft protection, and if theft rates in a certain area are exceptionally high, the chances of a theft-related claim will also be high; as such, the cost of insurance increases. This increase is significant, since car theft causes such a large claim. Drivers can combat this increase in a number of ways, for instance, by installing a car alarm (which has a major effect on the likelihood of car theft). Parking in an enclosed garage can also help to keep your insurance rates down. Be sure to find out auto theft rates for your area, and if necessary, be willing to take action to limit the effects of car theft on your policy.

The number of accidents in a zip code can also affect your insurance rates. High-traffic areas often have more car insurance claims per capita than rural areas, and if this is the case in your city, you’re probably already paying for the difference. However, insurance companies are very fair, and don’t penalize safe drivers unnecessarily, so the best way to avoid high auto insurance rates in high traffic areas is to keep a clean record. If you’ve already received a traffic citation or you’ve made claims on your policy, try driving a safer vehicle or taking a defensive driving course to keep costs down.

When you look online for auto insurance quotes, be sure to do a bit of research on how your zip code will affect your premiums. Collect quotes from several insurers, and see which types of coverage cost the most in your area. You can then contact an insurance agent for tips on keeping your risks down, which will help you to avoid overpaying. Remember, every driver is capable of finding a low auto insurance premium, and regardless of where you drive, you simply need to compare several policies to find affordable coverage that works for you. Your zip code does not have to mean the end of low auto insurance for you.

Three Ways To Find A Better Auto Insurance Quote

Insurance companies are willing to compete for your business, and as a consumer you can take advantage of that to find auto insurance at lower rates. Ideally, you should review all your insurance policies once every two years and shop for better rates. The auto insurance market is one of the most fluid and competitive markets

Minimum Coverage Included In The Price Of Any Auto Insurance Quote

When most drivers look for an auto insurance quote, generally they’ll try to find the lowest rate possible. In order to lock in a great premium, many motorists begin cutting their coverage, assuming that the minimum coverage offered by an insurance provider will be adequate in the event of an accident. Unfortunately, this is usually not the case. While every insurance provider offers minimal coverage levels, these levels vary quite a bit, and it’s important to understand the coverage that each policy offers when looking at any auto insurance quote online.

Any insurance policy will offer your state’s minimum legal requirements for insurance, as they’re not allowed to offer an illegal policy. You’ll have to look up your state’s individual minimum requirements, but most states require liability coverage for property damage and personal injury. This means that your insurance policy will cover costs for accidents that you cause up to your coverage amounts–however, your deductible may be set fairly high, which will limit the potential benefits of your coverage. Most states don’t require any personal medical coverage (with the notable exception of no-fault states), so you may be risking your own health by driving with the minimal car insurance coverage offered by an online quote. You’re simply covering the costs of other drivers, and you might not even be paying for enough coverage, considering that the costs of a major accident can easily exceed state minimums.

If you’re buying your vehicle through a loan, most banks will require you to buy comprehensive coverage, which covers damages to your vehicle in an accident that you cause. This protects the bank’s investment, and comprehensive coverage often protects you against auto theft and environmental damage as well. Comprehensive coverage is a fairly common add-on, and as such it’s often automatically added to quotes for auto insurance rates, particularly if you tell the insurer that you’re leasing your vehicle or buying it on a loan. Look into comprehensive coverage and if your policy currently includes it.

Remember to read over any quote that you receive, and look carefully at the type of coverage that an auto insurance provider offers as part of their basic policy. Try to consider what coverage you’ll need if you’re involved in an accident, and don’t avoid important coverage to save a few dollars on your auto insurance rates. It’s far more important to drive with good coverage, although it’s tempting to purchase the smallest amount of car insurance coverage possible. Keep your rates low by collecting several insurance quotes before making a purchase, and you won’t have to sacrifice important coverage in order to save a relatively small amount of money each month.

Why Drivers Should Keep Records Of Their Auto Insurance Payments

If you drive a car, there is at least one monthly payment you are inevitably making. No, it’s not for the car itself – many people are now paying out their cars fully at the time of purchase – it’s for auto insurance. No state permits any driver on the road without some sort of auto insurance coverage, or a bond authorized by the state. What this means for consumers is that over time they are will be paying a significant amount of money into a policy that, if they are fortunate, they are never going to use.

That’s the odd thing about auto insurance. Logging online and getting a cheap auto insurance quote is simple, but even cheap’ quotes these days end up having a significant monetary footprint. For those drivers that are careful, considerate and fortunate, their policy will be something they pay for but never use. A safety net in case of trouble, but one lined with their own money, with a host of limits and exceptions. Over time, even a low auto insurance premium builds up, and the total amount paid out by clients to insurance companies is simply staggering. While insurance is an expensive purchase for only a potential use, not having it at the right time can be disastrous, and a great insurance company can make all of the difference in post-accident litigation. Every driver needs good car insurance, but every driver also needs to keep a record of every payment they’ve made.

Why? Two reasons. The first is that even with new laws limiting when and how an auto insurance company can change rates or drop customers, they are still permitted to cancel policies for non-payment. If the insurance company claims not to have received their money, you need to have records of some kind, electronic or paper, to back up your assertions that you have always paid on time. Second, if it appears that you have stopped paying for your coverage for any period of time and your coverage is suspended or cancelled, the company may try to claim that your vehicle was uninsured. When your policy is ‘reinstated,’ your auto insurance price may have jumped significantly. Keeping detailed records of auto insurance payments can help ensure that mistakes, if they occur, can be easily rectified before they have an impact on your insurance or your premiums.

As with any payments you make to an institution, keeping accurate records is key. While companies are typically diligent about keeping up with who is paying what and for how much, a power failure, company merger or other event could cause a loss of data. It is far better to be prepared than face potential insurance issues.

The Long Term Costs Of A Bad Auto Insurance Policy

A good auto insurance policy can make all of the difference after a collision. A decent provider will be there when you call, able to provide advice on how to proceed, willing to speak to the other driver’s insurance company, and ready to get a rental car set up for you immediately. As well, a great auto insurance company should have agents that can help put your mind at ease, instead of adding greater stress to an already difficult situation. Regardless of fault, your insurance company should be upfront about what is going to happen, and how long the process will take. If you are entitled to compensation, your company should be able to inform you about their progress. If your company must pay the other driver, they should be able to tell you exactly how much your auto insurance premium will increase.

Sadly, for many consumers, having a good auto insurance policy is far from a reality. Fortunately, finding a good auto insurance quote is easier than ever, and can help consumers avoid some of the serious pitfalls of having a bad auto insurance policy. While a bad auto insurance policy will often come with a very reasonable rate, the long-term effects are often not worth the cost. Here are some of the ways that a poor policy can affect you in the long-term.

First, a poor auto insurance policy will likely take far longer to pay out than a reputable one. This may not seem like a large inconvenience until you are actually in a car accident, and you either need to be paid out or the other driver needs to receive compensation. If the insurance company is slow in paying out, or gives you the run-around, it can mean a significant financial hardship for you if you are injured or your car has been written off. It can also mean potential litigation from the other party if your company refuses to pay them, or takes too long. This can be an extremely expensive prospect.

Additionally, having a bad auto insurance policy can eventually affect your chances to get a better quote in the future. If you have had multiple accidents that have all resulted in litigation, or which you listed as fault due to poor effort on the part of your insurance company, other auto insurance providers will be very leery about insuring you, even if none of the insurance problems were actually your fault. A bad auto insurance policy, despite its often initial low price and small monthly premium, is simply a ticking time bomb. While the explosion may not come initially, it’ll come eventually, leaving you with limited funds, potential litigation, and eventually no way out.

How Young Drivers Can Afford Good Auto Insurance Coverage

Auto insurance quotes are one of the major costs of owning a vehicle for all drivers, but young drivers have it especially rough. Auto insurance coverage costs far more for drivers under 25, and even if they drive as safely as possible, it can take years for car insurance premiums to drop to a reasonable level. However, drivers that actually look for ways to lower their costs may be surprised at the wide variety of insurance programs and techniques for locking in a low-cost auto insurance quote.

For starters, many insurance companies offer good student’ discounts to any college or high school drivers that can maintain a certain GPA. It works as a great incentive to keep your grades up, and it makes sense from the insurance company’s perspective, since good students tend to drive more carefully. You’ll usually have to fax in a copy of your report card at regular intervals, but if you are already a good student, there is no reason not to apply for this discount. Many insurance companies offer other types of discounts that aren’t age-specific, such as discounts for anti-theft devices and discounts for drivers that elect to take defensive driving courses. If your auto insurance premium is exceptionally high, you should contact your insurance agent to see what programs are available.

It should go without saying that safer vehicles cost less to insure, but even so, many drivers don’t look at safety ratings when picking out a vehicle. Young drivers should use online insurance quote tools to look at the varying rates for different vehicles before making a purchase; remember, safer vehicles often cost less at the lot, too, so it makes sense to avoid a flashy car in favor of a safe vehicle, at least for the first few years of your driving career. While you’re online, be sure to look at as many insurance quotes as you can find, as this will help you to understand some of the factors that insurers use when deciding rates, and you’ll be able to compare policies to find an affordable premium.

Above all, young drivers should be especially careful during their first few years on the road. Nothing helps your insurance costs more than a good record, so keep your attention on the road. Be aware of your state’s laws, and avoid any distractions while you drive–especially from cell phones and iPods. In fact, using these devices while driving is against the law in many states, so to avoid a ticket, stay alert. If you’re careful and you shop around for car insurance premiums, you will lock in an affordable rate that you can keep for years.

Are No Fault States Better For High Risk Drivers

Auto insurance policies vary greatly from state to state. Some states, such as Oregon, require that all drivers carry a minimum of $25,000 in coverage for damage done to another person’s property in an accident. Others, such as California, require only $5000. As well, there are wide divisions on how much bodily injury (BI) and personal injury protection (PIP) coverage are required by law, and some states simply do not mandate any coverage for under-insured and uninsured motorists. The different levels of coverage required in each state can make a significant difference in any auto insurance quote or auto insurance premium that a consumer will receive. In addition, each state has different legislation regarding how claims for auto accidents can be pursued. Bearing this in mind, is there a state in which a high-risk driver would be better off calling home?

First, it is essential to understand the litigation options open to individuals in various states. Put simply, there are two models currently operating in the United States. In the first model, one driver must be declared at fault for the accident. Depending on the specific legislation, a driver may be found wholly responsible, or responsible for only a percent of the damages caused, and may have to pay out entirely, or for only a fraction of the total cost. The second model is what is known as no-fault.’ In no-fault states, neither driver is identified as being wholly responsible, and there is no ability for drivers to sue each other to recover costs. Some states offer a partial no-fault model, in which drivers can choose to either pursue damages in court or agree not to do so, but the decision must be made before a car is put on the road.

A high-risk driver – one who has had a history of accidents or just bad luck – would do well to find a no-fault state. Although they would pay a significantly higher auto insurance premium, as coverage levels in no-fault states are mandated at much higher levels in order to cover motorists as they cannot pursue a court settlement, any accident would simply be dealt with at an insurance level and never move on to the potentially time-consuming and expensive process of court.

There is a wide variance in auto insurance rates by state, in addition to significant differences in how claims are handled – from the entirely litigious options of an at-fault state to the simple and easy insurance payouts of a no-fault state. For a high-risk driver, a state which has high required levels of coverage and no-fault legislation is often the best option, as they will have a better chance of finding a reasonable auto insurance quote.

3 Tips For Limiting The Effects Of An Accident On Your Auto Insurance Rates

No driver wants to be in an accident. Aside from the potential damage to their car, the other driver’s vehicle and the possible injury involved, no one wants to have to call their auto insurance company and make a claim. Not only can the process be confusing and sometimes maddening, but it can often mean an increase in premium rates as well. While defensive driving, a well-maintained vehicle and a general awareness of the road can often mean that a driver can limit the number of accidents they are involved in, avoiding them altogether is almost impossible. Here are three ways to limit the effect of an accident, and the subsequent auto insurance claim, on your monthly auto insurance quotes.

First and foremost, be upfront. Some drivers choose not to report immediately, fearing a steep rate increase to their auto insurance premium or concerns that their auto insurance company will simply declare them at fault without hesitation. Many drivers attempt to resolve the situation without the use of their insurance company, and while this can sometimes be successful, if an accident does need to be claimed, the time spent waiting and hoping for a non-insurance resolution can work against a driver. It is far better for your insurance provider to hear from you about an accident than from another insurance company or the other driver involved.

Secondly, consider adding extra security or damage-mitigation features to your vehicle. Many car companies now offer electronic monitoring services which can detect car accidents and vehicle problems and can dispatch emergency services almost immediately. The safer that you can make your car in the event of any subsequent accident, the more reasonable your rates will remain. The third way to limit your rate increase after an auto insurance claim is to consider raising your deductible. A higher deductible means that a larger sum of money will have to be paid up-front by you before the insurance company will become involved. This limits the risk of payout on their part and will mean that your rates stay as low as they can.

No driver can avoid every accident, or pay for every damage or injury themselves. Despite their reluctance, there are times when calling the auto insurance company to report a claim is necessary. Although tough questions may be asked, and the insurance company may ultimately declare their driver at-fault, this does not have to mean the end of a reasonable rate of insurance for the consumer. By making sure to report early and honestly, install the latest safety features on their car and taking a proactive approach to up-front costs like deductibles, a car owner involved in an accident can still expect a reasonable rate.

Keeping Auto Insurance Costs Down When Moving To A New Area

Taking out auto insurance has all kinds of costs attached to it, but one many people may not be aware of are the costs involved when you move location. Depending on where you move, your auto insurance premium could either go up or possibly even down in price. This is because your auto insurance is based on more than just your own driving record – it also takes into account factors such as insurance laws in each state and the break-in history in the area in which you are moving to.

How populated your new location is can also be a factor that could increase your rates, as could the level of theft in your new location. Let your insurance company know as quickly as possible when you move or are considering a move to a new state. It might be a good idea to get another auto insurance quote from a different company regarding what your rates will be in your new state; as it may turn out to be in your best interests to change who you hold your policy with. There is, of course, another reason to inform your insurance company as quickly as possible when you have moved. If you have had an accident before you have even informed them of your change of address, the company could refuse to pay out. It is also possible that your current company may not actually be able to cover you in the new state. Therefore, you need to contact your insurance agent as quickly as possible upon moving.

If you can maintain your current policy with no change, then there is no problem. If the agent is incapable of continuing your policy in this new state, or the move would result in a hefty increase on your auto insurance premium, then that would give you more time in which to shop around for more affordable car insurance quotes. Research the mandatory insurance requirements in your new state, so that if their insurance laws are going to make it necessary for you to add further coverage to your existing policy, such as personal injury protection or underinsured and uninsured motorist coverage, you are aware of it ahead of time. If you are intending to change your insurance agent when you move, be sure to cancel your current policy in advance, otherwise you are likely to continue to be charged for your current policy even after you have moved.

Moving to a new area can be a costly business in terms of auto insurance – but careful forward planning can help ease the pain. Look into your new area, speak to your agent, and get quotes beforehand.

Limiting The Cost Of Your Auto Insurance Policy When Adding A New Driver

Insuring all the drivers in your family gets expensive when the kids reach driving age. If adding an experienced driver drives up car insurance quotes, imagine the cost of auto insurance for a teen driver! And if you are getting a separate car for your teen driver, auto insurance quotes can be even more. Not to worry, though – there are some strategies you can use to minimize the cost impact of adding a new driver to your policy. It will take a little time and attention to get all the information you need, but it will be well worth it when you see how much you can save on your auto insurance quote.

Before adding your new driver, set out an action plan to help you analyze your auto insurance needs, research alternatives and find the best coverage combination and auto insurance quotes for your new driver. Start the auto insurance quote process as soon as your child gets a learner’s permit so that you can take your time making some difficult decisions. For instance, on the car you buy for your teen, could you replace it with your own money if it was totaled in an accident? If the car is worth only a few thousand dollars, set the money aside in your savings account. You could save hundreds on your car insurance quotes, plus earn interest on the money while you hold it in your savings account.

In most states, you can list your teen as a secondary driver on your auto insurance policy to save money. However, some states require the insurance be priced based on the highest rated driver who operates the car, whether that is occasional use or not. Find out ahead of time how your company rates auto insurance quotes based on drivers and make smart decisions accordingly. In many cases, you can get a cheaper auto insurance quote by excluding your child as a driver on your car and then buying your child a cheap car for which he or she can be a primary driver. If you do this, be very careful never to let your child drive your car. Otherwise, you may end up with an uninsured accident on your hands, after going through all that trouble to find good car insurance quotes.

Once you decide what type of coverage you will purchase, it’s time to get an auto insurance quote. Get car insurance quotes from several insurance companies. Be sure to include a company that specializes in high-risk drivers when you get auto insurance quotes because companies can sometimes offer you a separate policy for your teen that is cheaper than insuring on your own policy.

When To Buy More Than State Required Levels For Personal Injury Protection

Being injured in a vehicle accident can be traumatic, painful and result in a great deal of recovery time. Injuring someone else can be costly. As a result, every state mandates a minimum amount of personal injury protection (PIP) for all auto insurance policies, which covers passengers in your vehicle and the driver and passengers of the other vehicle in the event of a collision. This amount can vary from state to state, with some requiring coverage of $10,000 and some requiring $50,000. While these numbers seem quite high, PIP protection is meant to cover all persons involved in an accident, and can be used up extremely quickly. Any amounts above and beyond the coverage provided by your insurance policy will be left up to you as the driver to supply, which can result in a massive financial strain.

Typically, auto insurance quotes will include over the bare minimum of protection when they are issued to consumers. This increases rates slightly, but also offers better protection. Often, people choose to reduce their coverage down to the bare essentials as a way of saving money on their monthly premiums. However, if you live in a state with an extremely low PIP limit, or you frequently transport other individuals, as with a growing family or with elderly parents living at home, increasing PIP can do a great deal to ease the burden if an accident occurs.

Options also exist to increase your bodily injury (BI) coverage, which will cover injuries to you as the driver, and your uninsured and underinsured motorist coverage – UM and UIM, respectively. These types of insurance pay out if the other party has little or no insurance coverage, and can be of great benefit if multiple people are injured or there is a great deal of property damage. Raising insurance coverage and getting a higher auto insurance quote also makes sense in states that follow a purely no-fault collision system. In these states, both insurance companies will always pay out if used, and no driver will be declared at fault. This limits litigation options, but can also cost a driver a great deal of money if they and their family are injured by another driver who has limited insurance. The law in these states does not allow suing to recover costs, and so a robust insurance policy is key.

Car insurance quotes will vary by provider and by state. Make sure to know what the minimums in your state are for all types of coverage, and then determine what works best for your needs. Large families, or those who transport others on a regular basis, may wish to consider increasing their PIP coverage to ensure the best protection.

When To Buy More Than The State Required Bodily Injury Liability Coverage

While every driver is mandated to carry some form of insurance or bond in order to be eligible to drive on any roadway, the nature of these requirements are determined by each state. This means that Oregon has significantly different requirements than California, and New York’s system is a whole different ballgame from that in Illinois. The differences by state can include levels of coverage required, including things like underinsured and uninsured motorist coverage (UIM and UM), bodily injury (BI), as well as what type of fault’ system is used. These factors combine to make up the totality of auto insurance requirements in a state.

One of the most important pieces of coverage, and one that will always be a part of all auto insurance quotes, is bodily injury liability coverage. This coverage is meant to payout for injuries caused to others by the actions of the policyholder. This means that if you get in an accident and injure another driver and their passenger, your BI coverage will pay for their injury treatment costs, getting them to a hospital, and possibly their lost wages and legal costs. Your policy will contain a maximum amount that will be paid out to all parties injured in an accident. This means that a BI coverage maximum of $50,000 would be split between two injured parties. Multiple passengers, or multiple vehicle collisions, can severely reduce the amount paid out to each person. Every state will mandate a minimum limit for BI coverage, and these can range from $10,000 to $50,000.

It is often a good idea to ask your insurance provider for an auto insurance quote that includes a higher level of BI coverage than required by the state for several reasons. The first is that lower levels of BI coverage can be used up quite quickly, leaving the other parties in a position to take legal action against you to recover costs. In ‘no-fault’ states, this option does not exist, but in any state which still uses a traditional or modified tort system, legal action is a real possibility. As well, any drivers who are on the road for extended periods of time should consider increasing their BI coverage. The longer one spends on the road, the greater the chance of an accident.

Increasing BI coverage is truly a case of ‘better safe than sorry.’ Often, it is a good idea to shop around and see what different companies can offer you for car insurance quotes that include greater BI limits. While this will increase your monthly premium, a little bit more per month for insurance is better than a great deal more to pay for another driver’s ongoing treatment or living expenses.

When To Buy More Than The State Required Levels For Property Damage Liability

State governments regulate auto insurance, and set minimum levels of coverage. Purchasing auto insurance at the state level will likely result in very low car insurance quotes. However, it may not be nearly enough protection, making the insurance policy somewhat useless. There are times when one should buy more than the state required level for property damage liability.

Each state sets their own limits and those vary greatly. For example, Massachusetts only requires $5,000 of property damage, while Rhode Island requires $25,000. This does affect auto insurance quotes in the two neighboring states, likely with higher rates for better coverage. However, cheaper is not necessarily better. From the National Automobile Dealer’s Association, the average cost for a new car sold in America was $28,400. Now, say a person is found at fault in an accident which destroys this average new car. If the person has only $5,000 of property damage coverage, then the remaining $23,400 would be that person’s personal liability to pay. Thus, this policy is somewhat worthless. If that person had $25,000 in property damage coverage, then the remainder would be only $3,400. So, for purchasers living in states requiring only $5,000 of property damage liability coverage, it is very advisable to find a policy with significantly more than the state minimum.

This is not to say that more is necessarily better. First, all cars undergo depreciation. The car that cost $28,400 on the lot loses at least 10% of its value the moment it is sold. So, the average liability for even a new car will not be much more than $25,000. Also, this is the limit on a single case. Drivers who put large amounts of mileage on their cars do not require a larger amount to protect from the risk of multiple accidents. However, many insurance companies do not charge much more for a higher amount of coverage. It is important to see the prices for these different levels when searching for a car insurance quote. Buyers must balance coverage and cost, and wisely choose the proper balance. However, by the numbers, since the average car is not worth more than $25,000, this may be a good choice for the minimum level of property damage coverage.

For insurance, state minimums assure that no policy is completely useless. However, no insurance will cover 100% of every possible negative action that could ever occur. Buyers need to determine the likely amount of risk and the proper amount of coverage when searching for an auto insurance quote. With proper research and advice, buyers will get solid protection for an affordable price. The state minimum is not your only choice, it is up to you to decide.

How A Driver Zip Codes Affect Auto Insurance Quotes

There are many factors that can affect your auto insurance quote. From your age and gender, to the car that you drive, everything is weighed by insurance companies. Your zip code is even a factor–a pretty major factor, actually, as you might have noticed if you have ever moved to a new area and seen your auto insurance premium change. Understanding the ways that your zip code affects your insurance can be very important, as it offers drivers new ways to limit their monthly costs and negotiate with insurance companies when renewing.

Zip codes are especially important because insurance companies find statistics based entirely around zip codes. The more insurance claims made in your area, the higher the risk of the area at large. An area with a high population of safe drivers will therefore generally see low auto insurance quotes. Insurance companies look at the number of accidents, but also at the severity of each accident and the average cost of a claim in a certain zip code. They will also look at auto theft, as for insurance companies, this is one of the largest potential claims out there–they have to reimburse a fully covered driver for the entire cost of a vehicle. As a result, areas with high crime will see sometimes drastically increased auto insurance premiums.

To keep car insurance quotes down when driving in an at-risk zip code, drivers should look into various discounts offered by their insurance providers. Installing a car alarm, for example, will usually decrease the cost of comprehensive coverage quite significantly. Choosing a safe vehicle (rather than a flashy sports car) will greatly limit your risks, and this is generally reflected in your auto insurance premium. You should look at quotes from several areas in your city before moving to be prepared for any changes in your rate that will occur. This will help you plan out your budget after a move, and in extreme cases, it might even help you make a decision about where to live.

Collecting various auto insurance quotes will also let you see how different insurance companies set their rates in relation to the risks of certain zip codes. Drivers in your area might be able to save quite a bit of money by choosing a different insurance company. There is no real way to tell unless you check around different places, and fortunately, cost comparison websites make it easy to get several quotes at the same time. Regularly checking rates in your area and adapting your driving habits to your zip code’s risks, will lower the possibility of a claim and allow you to find a reasonably priced policy.

Getting A Guaranteed Rate For Your Vehicle’s Auto Insurance Policy

We all want to save money on auto insurance. But what happens when that six-month teaser rate on the policy you just bought runs out? You are left scrambling to come up with the new higher auto insurance quote at renewal. When you are on a budget, having fixed costs is essential. The best way to manage your car insurance budget and get a good rate on your insurance is by purchasing a guaranteed rate policy. Offering a lower rate for new customers is an age-old practice for car insurance companies. They attract long-standing customers away from other insurance companies with low car insurance quotes, hoping the new policyholders will stay even after they hike the rates back to the standard auto insurance premium.

It’s true you may pay a little bit more for auto insurance with a guaranteed rate of a one-year term. But you may be able to get a big discount by staying with one company for a long time, bringing the auto insurance quote even lower than that teaser rate you saw. Customer loyalty and accident-free rewards can save you as much as 40% when you stick with one company for three years or so. Before jumping ship, ask your insurance company what sort of rewards you might gain by staying. When you tell them you are thinking of switching, they may lower your car insurance quotes to get you to stay. Add customer loyalty and other discounts to that equation and you are really saving some big money. Teaser rates can sometimes come with hidden fees too. You may be charged $3-$5 each month for making installment payments, costing you another $36 to $60 on your insurance. Make sure you have factored in any such fees when you examine any auto insurance premium.

There are additional ways you can bring down your guaranteed rate to the same cost as a teaser rate. This lets you save money and stay on budget throughout the year. The first option is to choose a higher deductible. Save up a small nest egg and leave it in your savings account in case there is an accident. Then you can carry a higher deductible, save money on your auto insurance and earn interest on the savings. If there is more than one car in your household, keep them both on one policy. You will almost always get lower car insurance quotes this way. If the company also sells home insurance, see if you can get a lower auto insurance quote for adding your homeowner’s insurance into the mix. If you can, pay the full auto policy premium in advance to avoid installment fees.

Finding The Right Auto Insurance Coverage Levels In A No Fault Insurance State

No fault insurance is defined as a type of insurance policy where the insured are indemnified for any losses suffered no matter who is at fault in the claim filed. This is most common in auto insurance policies but can also be found in homeowner’s insurance and life insurance. There are 12 states in the country that have no fault auto insurance. Of course, each state varies in the amount of coverage provided to the insured and how much each policy costs. These policies can be found with a simple search online, but make sure you compare as many rates returned to you as possible. Finding the right auto insurance quotes in a no fault state is not difficult to do but it will take a little bit of research.

There are some states that will offer their clients inexpensive car insurance quotes while others will offer some very expensive and unaffordable auto insurance quotes. No fault auto insurance is required in some states by law, which means that no matter what type of vehicle you drive, you must have this type of insurance somewhere in your policy. This type of insurance will cover the payment of your medical bills, as well as insure you as a driver but it will also cover any lost wages if you are not able to work after an accident that causes an injury.

Never assume that you will have coverage for everything in your life if you do purchase no fault auto insurance quotes. Also do not think that since you have no fault insurance you do not hold any responsibility in an accident in terms of damages suffered by the other person in the accident. For the most part, no fault auto insurance quotes are more expensive than regular auto insurance policies. One reason for this is because no fault policies cover the insured in more categories than regular insurance.

Finding the right auto coverage levels in a no fault insurance state is pretty much up to the driver. The driver will need to determine how much no fault insurance he or she will need based on the no fault laws of the state where they reside. The driver can always purchase more no fault insurance than what is needed so that they can cover their assets without having to worry too much about having an accident. Many states will require a minimum amount of no fault auto insurance, which means that drivers can search for various car insurance quotes based on those minimums. Make sure you do not settle for the first policy you come across. Browse around and find the best rate for you and your family.

Common Mistakes That Drivers Make When Filing An Auto Insurance Claim

Any motor vehicle accident is a traumatic experience. For many, carefully laid plans to collect the other driver’s information and take clear photos of the event are lost when the first crashing noise is heard and your car deforms from its intended shape. After the dust settles, however, and you’ve managed to collect what information you need, you now have to approach your auto insurance company and start the claim process. Many drivers, often unwillingly, do things that can damage their claim without even realizing it. Here are a few common mistakes made by drivers.

The first is waiting too long. This is typically because the damage doesn’t look that bad, or the other driver promises to pay in cash, and soon. While this is a perfectly viable option, you pay your auto insurance premium so that your provider will both protect your car and fight on your behalf. Often, promises of money turn out to be just that – they lack any action, and you are left with a broken car two months after the accident occurred. This can make determining damage and fault a great deal more difficult for your insurance company, and can result in either less money than you are actually entitled to or no money at all. The next mistake that many drivers make is not calling to get advice. Everyone remembers the nice, low auto insurance quote they got when they first signed on with the insurance company, and no one wants that to change. Too many people have heard horror stories of insurance companies raising rates simply because a client called in to ask a question. While this has actually happened, most states have policies in place to prevent such actions, and any insurance company worth its salt will simply answer your questions honestly.

One other large mistake that drivers filing insurance claims often make, is that they are not completely honest. This may be due to embarrassment or a desire to see the greatest payout possible, but it is always a bad idea. The other driver, and any witnesses, will be providing statements, and the insurance company will be sending out an adjuster to look at your vehicle. If you have been less than forthcoming, the truth will come out, which will almost certainly result in a larger auto insurance premium, at minimum.

Although there are some companies that make auto insurance claims extremely difficult, these are becoming the exception rather than the norm. If this is the case, it may be time to seek new car insurance quotes. If, however, your insurance company deals honestly with you, show them the same courtesy and report quickly, honestly, and don’t be afraid to ask questions.

4 Ways To Decrease Auto Insurance Costs In The Spring

There are a lot of ways to save money on auto insurance. Some of them can save you a lot more than others. For instance, did you know that your good credit can save you money on auto insurance quotes? Insurance companies have found a correlation between those with good credit and those with good driving records. It seems that the better your spending habits are, the better your driving habits are and the better your auto insurance quote will be.

Another way to save money on auto insurance is to shop around and play the numbers game with the insurance companies. Get auto insurance quotes from several different insurance companies. Always try at least three companies and get auto insurance quotes every time your policy renews. Try to mix in different types of insurers when you get your car insurance quotes too. Try getting quotes directly from insurance companies and through your agent. You may get a cheaper auto insurance quote on your own. Talk to friends for ideas on other insurance companies you might try. If you are quoted a lower price, talk to your insurance company. They may match the rate, plus offer you loyalty rewards for additional discounts and savings.

Use your savings account to save on auto insurance premiums. Put your savings account to use by loading it up with $1,000 or $2,000 to cover any deductibles you might incur from an accident and choose a high deductible on your policy. You’ll earn interest on the money while it sits in the bank and save hundreds on your auto insurance. You could also use this same technique to save money on insurance for older cars. Keep enough money to cover the market value of your car in the bank. If there is a total loss accident, you’ll have no trouble replacing the car and you will have saved hundreds in premiums.

Discounts are another way to save a lot of money on your auto insurance. Companies offer discounts as a way to retain long-time customers who have always been good drivers. Ask if loyalty rewards or accident-free discounts are being applied to your car insurance quotes every year that you renew your policy. Companies change their pricing structure and incentives regularly, so never assume you’ll get the same discount from one year to the next. If you are only a few miles away from your workplace, be sure to ask if a low-mileage discount was applied to your auto insurance quote. Other discounts you might get include a multi-vehicle discount and multi-policy discount if you also insure your home with your auto insurance company. With so many options, it’s worth researching to keep costs low.

When Is It Alright To Buy Only Your State’s Minimum Auto Insurance Requirements

When you are searching for auto insurance and receiving auto insurance quotes, there are a lot of products and services available. With so many car insurance quotes out there, it can become difficult to know which ones to buy, when to buy them and how much auto insurance you actually need. You want to have the coverage you need, but you do not want to spend all of your income on it. Overspending on car insurance doesn’t always mean you’re getting just the essentials. With that in mind, there are some circumstances where purchasing the minimum auto insurance quote allowed by the state is appropriate and is all you need.

One such situation, where purchasing the minimum auto insurance allowed by the state, is when you own an older vehicle. The value of an older vehicle has been reduced greatly and because of this, many auto insurance companies will only pay a very small amount or even nothing at all, to replace the vehicle if it has been in an accident. Car insurance quotes for older vehicles many times will be lower because of the age of the vehicle. Also, an auto insurance quote for the minimum auto insurance requirements is great when you do not plan to drive the car often. If the vehicle is on the road seldom, you do not drive far distances or take out-of-town trips in the vehicle, the minimum amount of insurance is fine as well. A car that mainly sits in a garage or parking space, or is used only for short trips to the store or in the vicinity of your home, only needs the minimum amount of coverage.

An auto insurance quote for a vehicle that has few passengers, or no children, is another time when the minimum insurance is fine to have. If you are not transporting people and do not have children or grandchildren regularly in your car, there is no need for the additional passenger coverage that can be purchased with auto insurance. Also, if you are the main driver of a particular vehicle, the minimum auto insurance requirements is okay to buy. If no one else drives your car, within your home or at your job, there is no need for the additional driver coverage that is available as well.

Buying the minimum amount of auto insurance will work fine in the above situations. Maximum amounts of auto insurance should be reserved for new vehicles, passenger cars, heavy use vehicles, long distance driven vehicles, business owners and high amounts of on-the-road driving. Purchasing the minimum amount of car insurance allowed by the state will be simpler and save you money as well.

What Age Groups Get The Lowest Average Auto Insurance Quotes

The process of looking for an auto insurance quote can be daunting. Understanding the factors that contribute to the cost of insurance can be helpful. You may wonder, for instance, how your age influences the car insurance quotes you are getting from different companies. Insurance costs are set by a combination of factors, including gender, location, driving record, and the type of car you drive. An auto insurance premium also takes into consideration the age of the driver. However, it is not just because a driver is a certain age that he or she has a higher or lower rate for auto insurance. Insurance companies use statistics of how many accidents each age group averages to set an auto insurance premium. The companies want to minimize their losses, of course, and using statistics on safe driving can help them to do that. If you are in a high-risk group, this process can seem unfair, but it actually makes a lot of sense. Insurance companies protect their interests while they also protect yours by insuring as many drivers as they can.

For a number of reasons, drivers under 25 tend to have more accidents and, therefore, have the highest average car insurance quotes. At the other end of the scale are drivers between the ages of 50 and 65 who tend to have the fewest accidents. These are the drivers who will likely get the lowest auto insurance quotes. Drivers of other ages fit somewhere along the cost continuum. Senior citizens tend to have slightly more accidents, so auto insurance costs tend to be higher after the age of 65.

You have to keep in mind, though, that your age, in combination with other factors, can make a big difference in your car insurance quotes. For instance, an unmarried male under 25 years of age has a much higher auto insurance premium than does a married man of the same age. Women under 25 years of age also have lower rates, but changing your marital status is easier than changing your sex!

There are things that are in your control and that can influence the cost of your auto insurance. The fewer accidents you have, the more favorably insurance companies will view you. Insurance companies value safe drivers and reward you for being a responsible driver. Always check with several auto insurance companies to get quotes. Different companies weigh generally favorable or unfavorable factors in different ways. Their different formulas can result in large savings for drivers of any age. Spending a little time online or on the phone speaking with agents, can make a difference in how much you pay for auto insurance.

Things To Consider When Combining Your Auto Insurance Policy With Your Spouse’s Policy

If you’re thinking of getting married, or have just gotten married, one of the things to consider when planning your new life together is the issue of insurance; auto insurance being one of those insurance policies requiring attention. As a married couple, it is possible to combine your insurance into one auto insurance policy. However, there are things that need to be taken into account before making the decision to do so. For one thing, if one partner has a bad driving record, it could severely affect the auto insurance quotes for the premium of the other partner, even if he or she has an exemplary record themselves.

Another factor that could adversely affect a joint insurance policy is if one partner drives a vehicle such as a sports car or any other vehicle that is deemed ‘high risk’, regardless of previous records. Be sure to get an auto insurance quote for both partners separately, as well as an auto insurance quote for both combined. And, of course, shop around – get as many individual auto insurance quotes for you individually and together from as many different companies as you can before making a final decision and committing to anything. You should also be aware that once you make the decision to combine your auto insurance, you will need to check with your insurance company to find out if both names need to be added to every vehicle possessed; in some cases can even extend beyond things such as motorbikes and even include vehicles such as boats.

One good thing to consider when shopping for your combined car insurance quotes, however, is that many companies will offer car insurance quotes featuring substantial discounts for couples. Many companies consider married couples to be a lower insurance risk than singles – statistics show that married couples are involved in fewer accidents and are safer drivers, and will thus offer lower rates. Also, you are considered to be a ‘less active’ driver if there are two of you, which likewise bring the cost down. There is also always the possibility of other advantages for couples such as multi-line or additional volume discounts.

Driving will be made simpler and more cost-effective to both of your, or it could be wiser to stay on separate plans. While it may sound complicated, in truth, evaluating your decision as to whether or not to take out a joint auto insurance policy really is not all that taxing. All it requires is to follow the basic principles as laid out above, and you will quickly determine whether or not a joint insurance policy is, or is not, financially beneficial for you and your partner.

Questions To Ask Your Auto Insurance Agent Before Switching Your Policy To Another Company

Dealing with an auto insurance provider that charges a reasonable rate, responds in a timely fashion and treats their customers with respect can take a great deal of stress off of the shoulders of any customer. Dealing with an insurance provider that fails in any one of those areas can be both frustrating and expensive. Often, what began as a good deal or reasonable option can turn into a nightmare when a claim is processed or additions to the policy need to be made, and what started out as a sensible auto insurance quote can easily turn into a massive monthly premium. But before cancelling your old policy and taking your business to your provider’s competition, give them a call and speak to one of their agents. A few simple questions may be able to salvage a floundering policy. Before making the call, however, go online and find a few good auto insurance quotes. It never hurts to be prepared.

Once you’re speaking with an agent who knows your policy, start by asking if there are any discounts they can offer. These may include a cheaper price if more than one car is insured with the company, if another type of insurance is purchased through them, or simply because you have been a loyal customer with a clean driving record. Any or all of these things may entitle a customer to discounts, but insurance companies don’t always advertise them. Secondly, ask the agent if there is any coverage on your car currently that you don’t need. This may include collision coverage on an older vehicle, or excessive amounts of underinsured or uninsured motorist coverage. Some states mandate that these types of coverage be a part of all car insurance quotes, but it may be possible to reduce them to their bare minimums.

Lastly, ask about the possibility of a new, cheaper rate overall. Make sure to have a list of auto insurance quotes nearby. Tell your insurance agent what other companies are offering, and see if your provider will consider matching it. If you are a long-time customer in good standing, they should at least be able to negotiate the price, even if they cannot meet another company’s rate. If none of these questions yields positive results, you can instruct the agent to terminate your policy, but make sure not to do so before you’ve got new auto insurance in place – an accident while your are between insurance companies could be very costly.

While not all insurance companies will be reasonable or willing to make change to your policy, many will be able to offer some discounts or other ways of making your monthly premium less of a burden.

How To Set Up A Plan For In-full Auto Insurance Payments

When purchasing auto insurance, it is always best to shop around at several different companies to insure that your auto insurance quote is the lowest that you can possibly get. Sometimes that will mean paying your auto insurance premium in one payment.

In most circumstances, the auto insurance that you get will be cheaper if you make a lump sum payment, rather than making monthly payments. When you begin to call each company to get an auto insurance quote, ask how the cost will differ based on method of payment. If you are told that your best price can be obtained by paying every six months, or even one time per year, then planning for that financially is your best bet. Here are some tips on planning your auto insurance premium so that it can be paid in in-full payments.

First, write down the amount given to you for car insurance quotes, both the monthly and the lump sum payment. Calculate how much money you will be saving by paying all at once. Most of the time when you are getting car insurance quotes, the insurer will even tell you the exact amount you can save with an all-at-once payment. This is often quite a significant amount of money, and keeping that savings in mind is important when you are planning to pay at one time. People are sometimes worried that they will not be able to come up with enough money to pay at once, but when you look at the savings it can be a big motivator. To plan for this lump sum payment, start by setting aside an amount equal to that which you would be paying for your auto insurance in a monthly payment each month. Keep this money in a separate account, and do not touch it for any reason – even pretend like that money does not exist. You may need to cut out a few extras’ like that specialty coffee every day, or those magazines that you really didn’t need anyway. However, cutting out those extras will net you quite a big amount of savings in the long term.

After saving that amount of money until you have accumulated an amount equal to the full term of the auto insurance policy, immediately contact your insurance company with the payment information. By that time, you will find that you will actually have extra money left over. This is the amount that you managed to save by paying all at one time! Most people find that having this extra cash after making a payment will be a great way to keep them motivated and to give them a real sense of accomplishment.

How To Research An Auto Insurance Company’s Customer Satisfaction Levels

One of the most important things to know about a company before doing business with them is how they treat their customers. This is true for any business – from banks to credit card companies to auto insurance providers. However, it can sometimes be difficult to get accurate information about how a company treats its clients. Take an insurance company, for example. Many have made the switch to a predominately online model, which means that they may not operate in the same city, let alone the same state as those who visit their site. Information present on their site, alongside their auto insurance quotes, will likely be glowing descriptions of how they treat their customers, but that information is suspect at best.

To find out how satisfied customers truly are with their car insurance company’s performance, start by trying to talk to some of their actual customers. Ask around – see if anyone you know is using this company, or has friends that do. Talk to them and see what they think. Ask them about things like wait times when they called in with questions or concerns, and response times after any collision – major or minor. In addition, ask about the price. More important than what they pay is whether or not the auto insurance quote they were given actually matches up with what they pay. If it doesn’t, that may be a concern.

Another great tool for checking up on a company’s customer satisfaction levels is the Internet. Instead of looking at the company’s website, do a search on the insurance provider’s name and see what comes up. Scan through a few forums and see what people have to say. Individuals who have been wronged by a company will often post their frustrations online in order to warn off prospective customers. Likewise, those who have had a good experience with a company may document that as well. Either way, taking a look can only help.

Even in a day-and-age of e-mail, text messaging and online, instant car insurance quotes, it’s always worthwhile to simply call up the company and speak to a real person. Tell them you’re interested in a policy, and see what they have to say. Do they answer your questions right away, or give vague generalities while trying to sell you coverage? Can they answer specific coverage questions when asked? Overall, do they sound professional and friendly? It is all of these things together – word of mouth, the Internet, and speaking to the company directly that will give a true feel for the level of customer service the business offers. Knowing that, you can make an informed choice about your auto insurance.

How Students Can Find Lower Auto Insurance Quotes Without Joining A Parent’s Policy

When you are studying in high school or college you need a car of your own. There is just so much you can not imagine doing without that car. However, along with the car comes the responsibility of auto insurance. As a responsible driver, you need to make sure that you have auto insurance for your car. If you take a look at the average auto insurance quotes for students, you will find that they can be quite steep. This is because car insurance quotes consider the student community, as a whole, not quite as responsible as adults, to whom the companies are willing to offer lower premiums.

So how do you get a lower auto insurance quote despite being part of the student community? One way to do it would be to ask your parents if they will allow you to join in on their auto policy. But this may not always be an option, or even your desired choice. The auto insurance quote can be adjusted on a person-to-person basis, and for the auto insurance company to consider you less of a risk than a regular student, you need to have a clean chit on all your records. This begins with your academic record. Yes, if you get good grades and are a full-time student, the insurance companies are likely to offer you lower auto insurance quotes.

The next way to lower your insurance cost is pure common sense – be a safe and careful driver. If you don’t have a history of getting parking tickets and have never been in a crash, you have a better chance of getting lower car insurance quotes than you fellow students. In fact, you can use this clean record of yours to lower an existing premium as well when you go in for the renewal. Persistent, good behavior is rewarded well in terms of lower auto insurance costs. This good behavior needs to reflect in your credit card history as well. If you don’t get into too much debt, you are seen as more responsible than other students by the insurance companies.

Another factor which is likely to lower the auto insurance cost that you must bear is driving frequency. Some insurance companies also offer a discount to students who have shorter distances to cover. The idea being that, the less you are on the road, the less likely are you to get into an accident. And as a student, you know there is a lot you can do with that extra money that you will save on the policy. So get wise to the options that are available to you to lower your auto insurance.

How Auto Insurance Quotes Are Affected By Summer Weather

Auto insurance is one of the most important types of insurance a person can have aside from health and life insurance policies. It is illegal for anyone to drive on the roads of the United States without some form of auto insurance. An insurance policy does not need to be extensive; the driver just needs to have the minimum as required by the state they reside in to drive legally. Weather conditions in all parts of the country can affect the way drivers operate their vehicles and how car insurance quotes are handed out to those seeking a new policy or a new premium. Make sure you are prepared before beginning your insurance search. This means you should have all of your automotive information on-hand so you can perform the search quickly and effectively.

Aside from the winter months, the summer months pose the most threat to drivers when on the roads, especially when it comes to an auto insurance premium. The weather conditions during the summer can turn pretty severe, as tornadoes, hurricanes, wildfires and floods are common all across the United States. All drivers should protect themselves from the weather conditions by making sure that their auto insurance premium is up-to-date and covers floods, fires, and other natural disasters. There are automotive insurance companies in business today that offer coverage plans for natural disasters, should a driver live in a high percentage area such as Florida, California, or the Gulf Coast of the United States.

Car insurance quotes can be reduced by drivers if they drive safely during wet weather conditions. Always remember that even if a driver has automotive insurance, it does not mean that a lawsuit will not be filed if an accident occurs. Wet weather is extremely common during the summer months when the temperatures warm up, making the roads incredibly slick and treacherous if flooding occurs. In the end, it all depends on where the driver lives when applying for an auto insurance quote from an insurance provider. If a driver lives in a state known for flooding, their auto insurance premium might be higher than a driver who lives in an area that rarely floods.

Some auto insurance companies will increase their rates pending the weather forecast for the upcoming year. Companies will do this in order to protect themselves from major claims coming in should natural disasters occur, destroying thousands to millions of vehicles at once, which would force drivers to pay more money for their car insurance quotes. All-in-all, an auto insurance quote can be determined by an automotive company based on the zip code you enter in their search form.

4 Things To Know Before Buying Your First Auto Insurance Policy

The purchase of one’s first car is a milestone event. Likely, the car has seen better days and could use at least a tune up, if not a full overhaul, but that makes it no less exciting. Along with first-time car ownership, however, comes another first – car insurance. For many first-time auto insurance buyers, knowing what kind of policy to buy is overwhelming. With so many insurance companies now offering online and instant car insurance quotes, finding a quote is easy – but finding the right one can be a challenge. Here are four things to bear in mind before purchasing any insurance policy.

First, remember that your age and the type of car you drive will significantly factor in to the price of your auto insurance quote. A driver who has thirty years of experience on the road will receive a much better rate than one who has only been driving for five years. Experience, and a lack of accidents, count. As well, a sports car or motorbike will cost more to insure because those types of vehicles have a higher likelihood of being involved in a collision, which means a higher chance that the insurance company will have to pay out. Initially, your auto insurance quotes will largely be based on these two factors.

Secondly, understand that every insurance provider operates differently. This can be because they are from different states or specialize in different types of insurance. This can be of benefit to the consumer, as one insurance company may offer a discount for bundled services such as second car or apartment insurance. Third, be very clear when purchasing any car insurance policy; look at exactly what the minimum deductible is and if you can increase it. A deductible is the amount payable by the customer before the insurance company will begin paying out for any damages. The higher the deductible, the lower the premiums on the policy will be.

Fourth, be sure you understand exactly what types of insurance you are purchasing. Not all states require vehicles to carry collision insurance, and providers from those states will likely not include it in their base price. Ask if the policy includes things like underinsured or uninsured motorist coverage, which will payout in the event you are in a collision with someone who does not have an adequate amount of auto insurance to cover your damages. For a first-time buyer, sifting through all of the available car insurance quotes can be time consuming. But with a little research and by taking the time to carefully review your options before making a purchase, you can be sure you’ve found the right auto insurance for your needs.

3 Car Insurance Discounts That Policy Holders Don’t Use Nearly Enough

There are several auto insurance discounts available on the market. Unfortunately, policyholders do not utilize or implement these discounts effectively. It is essential to look for auto insurance quotes at discounted rates. This can help modify an existing policy, or be a cost-effective solution for a new one. One discount offered is full property coverage. When you insure your home, apartment, or condo with a service provider, you can receive substantial auto insurance discounts. You should speak to your insurance agent about consolidating insurance coverage. This will not only centralize your payments, but keep all of your valuable possessions under one insurance umbrella.

You can greatly reduce your auto insurance premiums by combining policies. When searching for auto insurance quotes, check to see if multiple property coverage is offered. Another discount that policyholders hardly use is defensive driving. You can reap the benefits of completing an accident prevention course. Some providers offer up to a 10% discount, sometimes more. You can take this course at your convenience, and do not need a Judge’s approval. In other words, you don’t have to be involved in an accident in order to qualify. There are several online defensive driving courses that will meet your needs. Upon successful completion of the course, simply submit the certification to your agent for review. Your state’s transportation department, of course, should also approve the test.

This is the perfect way to lower your auto insurance premiums. If you are looking to replace a current policy, this information is available at many sites. Car insurance quotes will also offer market comparisons and discounted rates. It is important to see which discounts or promotional offers can best assist you. There are discounts for the entire family as well. Another discount offered is via anti-theft installations. When you install anti-theft devices, you are highly securing your vehicle. Depending on the devices, you can also receive discounts and save money. From wheel locks to digital alarm systems, your insurance premium can significantly decrease. Another factor in lowering your premiums is simply where you park. Parking in a garage with 24/7 security, this too can help lower your auto insurance costs.

There are countless other discounts that are also available. In today’s economic climate, you need insurance discounts more than ever. All it takes is a little bit of searching to find and apply these savings measures. From car insurance quotes to coverage enhancements, there is a wide array of amenities currently available. Statistics show that policyholders either do not know, or do not have time to tap into these savings. This is unfortunate, as it can lead to a great deal of savings for you and your loved ones.

Which Safety Features In Your Car Lower Your Auto Insurance Quote

There are several car safety features that can lower your auto insurance quote. These features include airbags, head protection, seat belts, and other components. The National Highway Traffic Safety Agency, NHTSA, conducts crash tests every year to determine vehicle protection. If your vehicle meets these requirements, you can truly save on auto insurance coverage. It also projects how your car will perform in the event of an accident. This includes frontal and side collisions, along with minor fender benders. With stringent requirements, car safety features will significantly lower your auto insurance. This enables a high threshold to accident damage, while certifying that your car meets all safety regulations.

As you search for a low auto insurance quote, a good vehicle safety rating is a must. Not only will you be able to tap into lower rates, your car will also pass yearly inspections. One safety feature that is often overlooked is the size and weight of your vehicle. The NHTSA recommends a heavier vehicle to ensure maximum safety. Although accidents can occur at any time, the size, weight class, and structure of your car can counter accident damage. This is not to say that heavier cars can withstand any damage, but they do fare better than lighter cars. The accident survival rate is greater with a bigger vehicle, and it also qualifies for significant auto insurance savings. The key is to maintain your vehicle safety features, as they can protect you and your loved ones from serious injury. This is especially true for two-car collisions.

The implementations of airbags and head protection are mandatory features. These must have components can lower your car insurance quotes, while saving countless lives. Over 10,000 drivers were saved by airbags in 2003. This number has steadily increased over the years, with the side air bags also making a huge difference. The Insurance Institute of Highway Safety reported a drop of car related deaths by 45%. Although this statistic was based in 2003, the number of lives saved due to airbags and head protection has dramatically increased. As a main safety feature, the seat belt has also contributed to saving lives and lowering insurance rates. According to the Department of Transportation, seat belts save over 15,000 lives a year.

All these features are key elements in lowering auto insurance quotes. In addition to driving records, a service provider can also base insurance coverage on your vehicle’s safety rating. This is why it’s paramount to keep your car up to date with safety enhancements and regular servicing. You can also receive insurance discounts on factory-installed safety features. It is best to speak to a trusted provider who can facilitate this information for you.

What Factors Determine A High Or Low Auto Insurance Premium

If you drive a car on public roads, you must have auto insurance. Finding good auto insurance is very important. When searching for auto insurance, you must take certain things into consideration. Most importantly you want to have the most coverage for your money. They payments you make for this insurance is called a premium. Auto insurance premiums can vary depending on a number of factors. The first factor is age. Are you a young driver who just got their license? Or are you an experienced driver who has been driving for years? A younger driver is more likely to have a higher premium, while an older and experienced driver will generally have a low auto insurance premium. This being said, older drivers have a higher chance of having negatives marks on their traffic record, which will mean a high premium. If you have a bad record with a lot of speeding tickets or a DUI, or you have had accident claims in the past, you will find that your premiums are very high. This is because you are a risk to the insurance company and it is more likely that you they will have to shell out money on your behalf at some point while you have their coverage. Another factor is location where the car is primarily driven. Auto insurance companies conduct surveys in order to see how much people in a particular area are paying for insurance. They use formulas in order to know how much to charge people in a certain part of town. They will look for trends in accidents and claims. This is why when you are researching auto insurance quotes, you are asked to input your zip code. You will be asked what the primary use for the car is and how far you travel on a daily basis. This is because the more time spent in the car, the higher the odds that you could be in an accident. Another factor involved is gender. This is because, based off the studies conducted by insurance companies, women tend to have less accidents than men. The level of education completed also effects premiums. Having a higher level of education might get you a deal on auto insurance. Another factor is the type of car you drive. Certain models are more likely to be stolen or statics show that they are used recklessly. Which, again, means that the insurance company is more likely to have to pay on a claim. In conclusion, there are quite a few factors that insurance companies have to consider when offering a high or low auto insurance premium to its clients.

Top 5 Reasons For Distracted Driving Auto Accidents

There are five common activities that can inadvertently cause auto accidents if performed while driving. And with any auto accident, it will definitely raise your auto insurance premium. Being conscious of these 5 everyday behaviors and avoiding them will help avoid accidents, and keep your auto insurance payments low.

First, the most common is operating a mobile device while driving. This includes talking, texting, and any other features your mobile device may offer. While many places have passed laws prohibiting the use of mobile devices without hands-free capabilities, there is still an inherent risk of distraction. Which leads to another common distraction: conversations with passengers. These situations typically include spouses/significant others interacting or parents interacting with their younger children. It may be tricky in the latter situation, however if there is a situation with younger children that needs your attention, pull over. The safety of yourself and the children in the car may very well depend on it.

Applying makeup, shaving, brushing your teeth and eating while driving are common distractions. In the case of the first three, concentration is divided between the road and your face, and in the case of all four there is inherent danger of not being in total control of your vehicle. This also can lead to another distraction: retrieving an item. Be it in the glove compartment, middle console, passenger or back seat, it may be best to avoid searching for items while moving. This distraction not only takes eyes off the road, but reduces control of the vehicle. The fifth common distraction while driving that many people seem to overlook is tardiness. That’s right, running late for something increases anxiety, and many drivers are so preoccupied with the concept of being late, that they often drive faster and more aggressively, frequently look at the clock, and engage in other distracting behaviors that were previously listed. While it is very easy to attempt to accomplish several tasks while driving, especially if you’re late, it might be safer to wait until you arrive at your destination or pull over to avoid an accident.

With more vehicles on roads, there are more drivers to be aware of. These everyday behaviors may seem mundane, but shouldn’t be overlooked for their potential to divert attention away from driving. Engaging in any of these behaviors increases risks for an auto accident, and insurance companies are aware of that. A few brokers offering an auto insurance quote may even ask about driving habits to asses risks. Maintaining a focused state of mind while driving is not only economical, but will also help prevent an unfortunate event- and perhaps save a life.

Is Texting More Dangerous Than Talking On A Cell Phone While Driving

Cell phone driving is a dangerous habit that many people participate in on a daily basis. In the comparison between which is worse, chatting or texting, texting is definitely more dangerous than chatting while driving. Here is why; texting requires that you are looking at the phone while doing it. In contrast, with chatting, you don’t have to be looking at anything to engage in a successful conversation with someone.

This is not to say that chatting on your cell phone while driving is a safe option. First, think about how it affects other motorists. After all, we all have places to be and we all have to share the roadways. What are the times you are most tempted to call or text? For example, is it when you are sitting in dead locked traffic or sitting at a stop light? There are most likely cars sitting behind you, waiting, just as you are and you decide to send a quick text to a friend to tell them that you are on your way. Well, within seconds the light can change or traffic can move and all of a sudden you have a bunch of cars honking because they should not have to wait for you to finish your text. Studies have shown that texting or talking on your cell phone while driving increases the rate of accidents similar to drinking and driving.

The road is made for traveling and anything that is impeding that process is seen as a problem. As this has become a more common problem, more and more states are making laws against driving and chatting on a cell phone or texting. These new laws mean that you can get a ticket and a fine for chatting on a cell phone or texting while behind the wheel. These tickets can result in a mark on your record and higher auto insurance premiums, depending on the state that you live in. When researching auto insurance quotes you may now be asked about your habit of texting or chatting on your phone while driving. If you are like everyone else you are concerned with the price you pay for car insurance and you should be doing everything in your power to ensure a lower rate. Texting while driving is a quick way to not only wind up in an accident, but also, as another repercussion, have to shell out exorbitant amounts of money for auto insurance. So, why would you do it? Because it’s convenient? Because you must text that person immediately and it really can’t wait? Well, ultimately with texting and driving the costs outweighs the benefits.

In Which States Is It Illegal To Drive While Using A Cell Phone And Why

One of the main controversial issues in the news is the use of cell phones while driving. Many have said that it infringes upon the rights of individuals and that there should not be any type of ban on how and under what circumstances they can be used. The Department of Transportation has cited numerous accidents that have been caused by drivers being distracted while talking on the phone. Most individuals feel that a driver can be just as distracted while talking to a passenger in the vehicle. There are several states that have banned the use of cellular phones altogether while driving. A few states will allow the driver to use a hands-free set or only use the hand held set during times of emergencies.

The state of California, Washington, District of Columbia, New York, Oregon, Utah and New Jersey all have a ban that forbids the use of hand held cell phones while driving. In the states that have bans, an officer can issue a ticket for a violation that pertains to cell phone usage alone. This does not apply in the state of Utah. According to the Insurance Institute for Highway Safety, a driver in the state of Utah must have some other type of violation along with being cited for using the cell phone while driving.

Due to the attention of the driver not being on the road, serious accidents are happening more frequently. The National Highway Traffic Safety Administration has data to support the increase in accident rates due to cell phone usage while driving. To decrease the rate of accidents that occur while on the phone, strict bans are being put in place. Most cell phones have the capability of sending and receiving text messages. Sending and receiving text messages while behind the wheel is just as dangerous as talking on the cell while driving. New Jersey and Washington are the only two states so far that ban texting while driving. The Governor’s Highway Safety Association can be contacted for more information regarding new cell phone bans.

All drivers have the responsibility to practice safe driving techniques. Driving is a privilege that should be protected. Auto insurance premiums will be high for drivers that have tickets for driving while talking on the cell phone. Young drivers have formed bad driving habits that cause numerous accidents and result in fatalities each year. Trying to obtain auto insurance will cost more once the auto insurance quote is requested and the agent is aware of all types of tickets including ones for cell phone usage. While on the cell phone, driving is considered dangerous.

Top 3 Factors In Auto Insurance Quotes For Men Under 25

When it comes to buying auto insurance for men, quotes for males under 25 are usually assessed at a much higher rate than about any other demographic. Statistics show that men in this particular group, on average, drive more recklessly, receive more speeding tickets and therefore are involved in more accidents. As a result, auto insurance premiums are generally higher as well.

The top three factors that influence the higher rates for male drivers under 25 are gender, age and marital status. Statistics show that males, 25 and younger, who are single are less responsible than, say, females in this particular group who are single. Therefore, even if some of the men in the group are considered to be safe drivers, the overall average still affects the rate that’s paid. The lowest risk drivers are typically married, middle-aged mothers who don’t smoke. As a result, men in the 25 and under age group pay approximately 40% more for their auto insurance than other groups. Therefore, if you’re a man who fits into this category, it’s important that you take certain measures to reduce your premium costs as you fall into a high-risk category even if you yourself may be a responsible driver.

If you are indeed a careful driver and have had no previous violations or speeding tickets, many auto insurance companies will provide a safe driver’ discount for drivers who can show they are conscientious in this regard. Also, some companies provide lower auto insurance quotes for drivers who don’t smoke. Your mileage or the amount of time you spend driving your car can also have a bearing on what you’re quoted. If you can keep your mileage below the average 12,000 miles per year, you can often reduce the amount of your auto insurance quote as well. The year and model of the car you drive affect auto insurance quotes for collision coverage too. Typically, luxury cars, sports utility vehicles and sports models command steeper rates. Where you live also factors into the equation. Areas that are highly populated often carry more of a risk for accidents; therefore, auto insurance quotes are higher as a result.

As there’s not much you can do about your gender or age at the present time, the only ways to reduce the higher rates associated with this kind of auto insurance for men is to drive safely, drive less, choose a car that won’t increase your rates, increase your deductibles and make sure that you only buy coverage that you really need. Keep the aforementioned information in mind as you shop for insurance and you’ll obtain a premium you can, at least, afford.

Top 3 Reasons For Higher Auto Insurance Quotes For Men Under 25

Let’s face it, numbers don’t lie. Statistics are a useful tool in determining auto insurance rates and use many factors to determine industry standard rates and guidelines. While each company may charge slightly different rates, one thing that all auto insurance companies have in common is an increased rate for men under the age of 25. So let’s take a look at the top reasons young men pay more for auto insurance, regardless of other factors, such as demographics, health conditions, and how often they drive.

First of all, male drivers under the age of twenty five are the highest risk group of drivers to be involved in accidents causing bodily harm and death. This piece of data is obtained strictly by statistical research. Auto Insurance companies are completely aware of this and the only way for them to cover this risk is to charge higher premiums to young male drivers. The law of large numbers’ is what auto insurance quotes are based on. Even though you have never had a ticket, never driven drunk, never made a claim, you are still going to pay more based on your fellow American drivers in the same category.

The second reason that men under the age of twenty five pay more on auto insurance is based strictly on sex. Sure, it doesn’t seem fair, especially if you are a male who has never been involved in any kind of accident or claim, but once again numbers don’t lie. Let’s face it: statistics tell us that men are much more likely to cause accidents than women, men receive many more speeding and moving violation tickets, and men simply tend to be less cautious than women while driving. Another factor that raises your insurance quotes when you are trying to find insurance is the fact that men tend to drive faster and more expensive cars than women. Obviously, a more expensive sports car is going to pay a higher premium than, oh let’s say, a VW Jetta.

Lastly, male drivers under the age of twenty five all have one common factor against them that is going to cause them to have a high auto insurance payment. If you are under twenty five, you are young, and by the auto insurance company standard, you are not an experienced driver. You just don’t quite have the experience necessary to qualify for lower premiums. If you are a male driver under the age of twenty five, don’t worry, the more years of experience you gain, the less you will eventually pay on auto insurance.

Top 5 Factors In Auto Insurance Quotes For Women Under 25

Young drivers often have trouble locating low auto insurance quotes, even with tools like online insurance comparison websites. It’s not as simple as entering your information and selecting a quote–knowing about your driving record and how insurers decide what to charge is essential to finding a policy that works for you. This is especially true when it comes to auto insurance for women, as young female drivers often miss out on great opportunities to get great coverage at a low cost. Here’s a look at a few major factors that influence an auto insurance quote for a young female driver.

First of all, women start with a significant advantage–they’re safe, and are involved in fewer accidents than men. Statistically, women are better drivers than men up until age 65 or so, when the statistics reverse. This is a fairly well-known fact, and all major auto insurance companies give women better rates as a result. Unfortunately, young women might not see drastically lower rates than their male counterparts right off the bat, though, due to age. Anyone in the 16-25 year old age group will see higher auto insurance quotes than slightly older drivers, and this eclipses the gains from gender. If you’re going to school, however, you should investigate to see whether your insurer has special programs for drivers who keep good grades (drivers with better grades are also statistically safer).

Your driving record will certainly be the biggest determinant for insurance companies, as a motorist who’s been involved in one claim has a high chance of being involved in a second (this continues for the third, fourth, and fifth claim, of course). However, many young drivers aren’t aware that location is also a major determinant–drivers in areas with high rates of auto theft will pay higher premiums if they’re buying comprehensive coverage. While young women can’t be expected to move simply to find low auto insurance quotes, investing in an anti-theft device might be a good idea, particularly for drivers on the West and East coast.

Remember, it’s never a good idea to simply accept your auto insurance rates without questioning them. Use cost comparison websites to look for the best possible quotes, but be sure to also compare coverage amounts. If you don’t understand something in a car insurance policy, or if your rates seem to arbitrarily go up and down, call your insurer and ask. Arming yourself with knowledge is always a great strategy, and this is especially true in the field of auto insurance. Learn how your quotes are figured and what they offer, and you’ll end up with a great, dependable policy.

Tips For Collecting Auto Insurance Quotes In Alaska

Alaska is in the top 25% of all states when it comes to auto insurance rates, with only 10 states in the nation who have higher rates. A typical annual premium in Alaska costs $500 more than the national average. The reason for this higher premium is because Alaska insurance law requires drivers to have large amounts of injury and property liability coverage in their insurance policies.

Alaska operates under what is known as a 50/100/25 system for liability, and any auto insurance quote given in Alaska must abide by it. The first number represents $50,000 and is the total amount of liability that a policy must carry for a single person injured in an accident. The second number represents $100,000, and is the total amount that must be covered for all parties injured in an accident. This means that if only one person is injured, the insurance company will pay out a maximum of $50,000 to that individual. If three people are injured, they would, at maximum, have to split $100,000 three ways. The last number in the system is $25,000 and is the amount of liability that the policy holder must have to cover property damage to other vehicles in a collision.

These are the only requirements of the state, as Alaska does not mandate that drivers carry comprehensive, collision, or underinsured/uninsured motorist coverage (UM/UIM). All of these can be extremely beneficial add-ons, however, even if the government does not require them. Collision coverage will pay out for damage to the driver’s own vehicle, even if they are at fault. Comprehensive damage covers everything other than collision, including damage to the vehicle due to weather or theft. UM and UIM can be very useful as even $50,000 can be used up very quickly, and there are still drivers who do not carry insurance, which could leave a law-abiding motorist in serious trouble if they are injured. It is also worth noting that Alaska uses what is known as a tort’ system in determining fault, which means there is no such thing as no-fault accidents. Someone has to be found responsible, and that someone can be sued. Having excellent coverage is essential simply for that reason.

Collecting Alaska auto insurance quotes should therefore be done with an eye for detail. All basic auto insurance quotes issued there are going to include the minimum liability, but be sure to check out what else, if anything, is covered. If the policy only speaks to the bare minimum of liability, shop around to see if there are better quotes that include a few add-ons. There are many insurance companies operating out of the state of Alaska, and vehicle owners simply need to be diligent.

Reasons To Shop Both Online And In Person For Auto Insurance Quotes

The Internet has made it quite a bit easier to shop for auto insurance quotes in the past decade. Most major auto insurance companies offer quotes directly from their websites, and drivers can find out possible rates in only a few minutes. Cost comparison websites have taken this a step further, allowing drivers to get dozens of quotes without re-entering information. However, there are still quite a few local car insurance offices, and some consumers still do business the old fashioned way, calling and visiting insurance offices to find the best premiums and coverage levels available. This may seem old fashioned, but there are benefits to getting insurance quotes online and offline, and the best course of action for most drivers may be some combination of the two.

While it’s true that offline auto insurance quotes take more time to gather, they’re often easier to negotiate. Insurance agents make their living off of commission from sales, and they’ll do whatever they can to get a driver to sign a new policy. Keeping in contact with a local agent can be a great move after you’ve gotten a few quotes together, as you can actually discuss premiums and coverage levels face to face and get a great deal. If you’re ever involved in a claim, you can also use your personal contact with a local insurance agent to get the claim processed more quickly, and you can review and re-negotiate your premiums at regular intervals more easily.

That’s not to discount the enormous benefits of online auto insurance quote comparison. As mentioned earlier, major insurance companies can be compared with a few button clicks, and many online insurers offer fantastic customer service and great premiums. Looking online can quickly give a buyer some perspective, and let the driver know what rates are fair and what rates are wildly inaccurate. Online auto insurance comparison websites can also help a driver understand the benefits of additional coverage types and options, such as comprehensive coverage and roadside assistance.

Before looking for auto insurance quotes, gather information about your car and driving record. Check online first, using comparison shopping websites when possible, and keep a printout of each quote you receive. The Internet has made it quite a bit easier to shop for auto insurance quotes in the past decade. Most major auto insurance companies offer quotes directly from their websites, and drivers can find out possible rates in only a few minutes. Cost comparison websites have taken this a step further, allowing drivers to get dozens of quotes without re-entering information. However, there are still quite a few local car insurance offices, and some consumers still do business the old fashioned way, calling and visiting insurance offices to find the best premiums and coverage levels available. This may seem old fashioned, but there are benefits to getting insurance quotes online and offline, and the best course of action for most drivers may be some combination of the two.

Reasons For High Auto Insurance Quotes For Women Under 25

Some age groups are lucky, because they can find inexpensive auto insurance quotes at many Insurance companies. There are certain age groups that are considered a high threat, thus making it a higher premium in general. It is valuable information to know how much your age is apparent in relation to your auto insurance quote. The basis that it is good to know is because although your premium may be higher if you fall into the high risk age group, there are still additional discounts that you can get as well. There are many reasons that auto insurance rates are higher for women under the age of 25. There have been numerous statistics and incidents that show that women under the age 25 are seen as more careless drivers than other age groups. Not all of women under the age of 25 can be dangerous drivers, but because of the ones that have caused accidents, they unfortunately set the standard for the rest of them.

We are first able to get our license at the age of 16. At that time you are not yet an adult and still a teenager without a care in the world. It is easy to not focus when you are driving at that age, and there are many distractions. That is also an age where you are always hanging out with friends and driving to and from other places. Young drivers lack the experience that you get from driving for many years. Due to these distractions and inexperience, it amounts to numerous amounts of accidents per year that these teenagers are involved in. The insurance company must provide a high auto insurance quote for women, because it is like a safety net for them if something does occur.

Although auto insurance for women can be pretty expensive at first there are a number or reductions that you can get. There is a discount for being a good student. If you are in high school or college you can show them an average or above grades and that qualifies you for the good student discount. There is also a good driver discount; if you haven’t had any accidents or speeding tickets and have a clean record then you are entitled to a discount as well. Auto insurance should be cheaper every year if you keep renewing your policy with the same company. Although auto insurance coverage is costly for women under the age of 25, the only thing you can do is prevent any accidents from occurring and keep a clean driving record.

Reasons For High Auto Insurance Quotes For People With Criminal Records

The cost of auto insurance can vary broadly from one company to the next. The media constantly bombards us with messages from insurance companies claiming they have the lowest rates for coverage. On the surface lower cost insurance can seem attractive but beware – what you pay for is what you get. The cheapest insurance may not always be the best. A good insurance company will give you auto insurance quotes based on the state approved rates for products that best serve your individual needs. The quote you are given takes into consideration your driving history, credit history, insurance report and criminal record.

The best way to get a low price with satisfactory coverage is to ask several companies for an auto insurance quote and do a comparison. Technically a criminal record has nothing to do with a person’s driving record but ex-offenders tend to be given higher quotes for several reasons. First, they are considered high risk because on average they have bad credit scores and this means they have developed a habit of missing payments. Second, if they have been convicted and spent time in prison or jail, they have allowed their insurance policy to lapse. This is a primary reason for being forced to pay higher premiums. It is never a good plan for anyone to allow their insurance to lapse, even when changing to a new company.

The third reason is the overall risk involved to insure an individual that is more likely to engage in irresponsible activities and will cause accidents on the roads or damage to other vehicles. The amount the insurance provider believes it will have to pay out on behalf of the client is the basis of the cost of auto insurance. A criminal record in a client’s history is an indication there will be a greater cost to the provider. Higher premiums are put in place to counteract the higher risk.

If you have a criminal record you can lower your insurance costs a number of ways, starting with consistently maintaining a good driving record. Before buying a car check with a few insurance providers to determine the vehicles they can insure at a lower cost. If you already own an older car you may wish to think about dropping the comprehensive and collision coverage. You can also consider racking up lower yearly mileage on the vehicle you are driving until you have proven your driving record. Maintaining a good credit score and payment history in general will help lower your risk in the eyes of your insurance provider. You also have the option of paying a slightly higher deductible so that you can pay a lower premium.

Factors In Auto Insurance Quotes For Persons With Disabilities

There’s a lot of confusion about the rights of disabled drivers, and this is especially true when discussing those drivers’ auto insurance policies. Auto insurance is, after all, a complex subject, and many contract terms can be difficult to understand. As such, it’s understandable why some drivers have misconceptions about insurance policies for disabled drivers. The fact is that it’s illegal for any auto insurance company to raise the cost of a disabled person’s insurance simply because of their handicap. This is due to the Americans with Disabilities Act, which has clear provisions regulating the methods that insurance companies use to decide an auto insurance quote.

Many people assume that disabled drivers pay more for auto insurance, since a person with a disability would logically be a more dangerous driver and more likely to make an auto insurance claim due to an accident. This is not the case, however. Statistically, disabled drivers are actually safer than non-disabled drivers, which is one of the main reasons that discrimination is illegal. Regardless of the type of handicap, if a driver is allowed to legally drive, he or she is entitled to the same auto insurance quotes that would have been available if the handicap was nonexistent. Insurance companies are not allowed to ask about disabilities, and are certainly not allowed to apply any change in a driver’s premiums due to a disability that they find out about. Insurers can still figure auto insurance quotes by looking at a driver’s age, sex, and driving record, and claims against any driver’s policy will inevitably cause car insurance rates to rise.

If a disabled driver suspects any sort of discrimination, he or she should immediately contact the insurance commission of the state where the car insurance policy was issued. Insurance commissions will investigate any claims of discrimination to determine whether or not the insurer was violating the Americans with Disabilities Act, and will penalize the insurance company as needed. Insurance companies often receive hefty fines if any evidence is found of unlawful activities, and will be required to get back in line with state and federal requirements before they’re able to conduct business again.

When it comes to auto insurance, disabilities should not factor into quotes or policies. Disabled persons should use cost comparison websites to find the best possible rates, and may decide to take defensive driving courses to get car insurance premiums to drop even further. In any case, discrimination is illegal in insurance, and a driver’s policy can only be legally decided according to measured statistics and the record of the driver.

5 Factors To Determine The Best Auto Insurance Quotes Besides Price

It’s easy to quickly find a number of auto insurance quotes online, but finding the best auto insurance quotes is a bit harder. It’s certainly a simple matter to look at prices to find the lowest possible premiums for a policy, and this is the course of action that many drivers take. However, there’s much more to finding a great insurance policy than simply looking at rates. Coverage levels are crucial if a driver is ever involved in any sort of accident, and it’s also important to know whether your insurer will pay out claims promptly (or at all). Therefore, when looking at auto insurance quotes online, it’s well worth any driver’s time to consider a few factors besides price.

Customer reviews are a great indicator of whether an insurer is providing adequate services and coverage to its policy holders. They’re also easy to track down–simple Google searches can show numerous reviews that give insight into a company’s reputation. You should also look at a company’s profile on the Better Business Bureau to see how they deal with customer complaints and problems. Another good indicator to research is whether or not a certain auto insurance company has a history of federal or state insurance law violations. Any significant history of violations is a serious red flag, and indicates that a company might not operate honestly and might be hiding some unpleasant surprises in your policy’s fine print.

Speaking of fine print, by the way, every driver should carefully read a policy contract before signing it, paying special attention to any exclusions listed. An auto insurance quote might seem too good to be true, but if special exclusion terms make payouts unlikely in the event of an accident, the policy isn’t worth very much. Cost comparison websites generally don’t list all of the terms of an auto insurance contract, but you’ll always have a chance to look them over before buying a new policy. You should also consider any additional coverages offered in auto insurance quotes–things like accident forgiveness and solid roadside assistance can make a policy worth quite a bit more.

A low rate doesn’t necessarily mean that an auto insurance company is hiding something, and many inexpensive policies offer great coverage, fantastic customer service, and quick and dependable payouts after accidents. However, you’ll need to carefully read your policy and do a bit of research on each quote that you receive in order to determine whether this is the case. Researching your quotes can take a bit of extra time, but it pays off significantly in the long run.

3 Ways To Find The Best Auto Insurance Quotes Online

If you need car insurance, you should compare rates with multiple insurance carriers online. You can obtain multiple online auto insurance quotes and it won’t cost you anything. I strongly recommend that you visit to obtain an auto insurance quote. works with well-known insurance companies and they have been in business for a long time. All you have to do is fill out the application and compare your quotes online. If you find a great deal, you can purchase a policy on their website or call one of their licensed agents. Insurance companies are competing for your business online, so take advantage of it and obtain a free auto insurance quote on

Another website that provides car insurance quotes is You can apply for a quote for free on their website and it will only take you a few minutes. has partnered with the top insurance providers and they will help you find a car insurance policy for a decent price. When you are completing the application online, make sure your answers are correct. That way, you will receive accurate quotes from the insurance companies. You will be able to compare auto insurance prices and policies on

In addition, if you want to find auto insurance for less money, you can visit insurance companies online. Many insurance companies offer free auto insurance quotes on their websites. Alternatively, you can contact insurance companies to see what they have to offer. Some companies that offer auto insurance include Progressive, State Farm, Allstate, Geico, Prudential, Unitrin, Nationwide, Liberty Mutual, Safeco, Gmac, 21st Century, Esurance, Electric Insurance, Infinity, The Hartford, Meritplan Insurance, QBE Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Travelers Insurance, and MetLife.

If you do enough research online, you will find an auto insurance policy for an excellent price. When you find the best rate, you can review the policy to ensure that it meets your needs. You will save time and money if you compare multiple auto insurance quotes online. Just make sure you review your quotes carefully before you make a purchase. If you find an auto insurance policy that suits you, you will be able to purchase a policy online or over the phone. Remember that many insurance providers offer insurance for less money online. If you have auto insurance and you are looking for a new provider, you should be able to find a company that charges less money for the same kind of policy that you have now. If you compare online auto insurance quotes, you will save at least 25% on your monthly premiums, so it is worth it.

When To Consider A Commercial Auto Insurance Policy

If you are engaged in a business and are using a vehicle or vehicles, it is important to obtain commercial auto insurance coverage. Commercial auto insurance will afford you mobility and more freedom to carry your business forward. Even if the business vehicle is used only to ferry your employees, products or equipments, a comprehensive commercial auto insurance is vital and indispensable, especially if the vehicle gets involved in an accident, gets hit by an uninsured driver, or is vandalized.

If you are intent on getting the best commercial auto insurance policy in the market, utmost patience is vital in finding the best deal. Shopping for auto insurance can be daunting at times. With an assortment of auto insurance quotes, plans and varied offers and features, the selection can really be overwhelming, thus careful research and thorough comparison is needed. You must make a complete list of the vehicles you’ll be insuring along with with all the relevant information. Jot down the models and makes, and if possible detail each vehicle’s current mileage. With all the pertinent information at hand, ask for auto insurance quotes from different companies. Get more than one auto insurance quote from each insurance company, and to really see how your needs can be met it is better to ask for auto insurance quotes on varied policy coverage.

Prices should not be the only determining factor in sealing a deal. Most big companies might offer lowest prices, but may be short in giving a more personal and responsive customer service, which the smaller companies can provide due to their still-manageable customer base. It would do you well to contact a reputable and experienced auto insurance professional and get an overview on what is the best coverage for your vehicle or vehicles. Ask for a customized commercial auto insurance quote which includes comprehensive coverage, the auto liability, collision coverage, medical payments, coverage for autos you rent or borrow, and uninsured and underinsured motorists’ coverage. Every insured businessman must also know that certain types of businesses must adhere to state or federal regulatory standards in the operation and function of their vehicles.

Once you have the auto insurance policy with you, it is important that it should be read thoroughly, especially the fine print. It is always in your best interest that you know the whole policy from first to last page, so that when the time comes or you to need the policy for your coverage claim, you won’t have any difficulty.

When To Change Your Auto Insurance Coverage Limits

Checking your auto insurance coverage levels occasionally and changing them as needed is an important part of owning an auto insurance policy. Without proper coverage limits, you could end up in a terrible position after an accident, or you may pay too much from month to month, so careful evaluation every few months can be very helpful. Still, it’s sometimes difficult to know when a change is necessary.

First, it’s helpful to look at your driving habits and consider what you’d actually need in terms of insurance if you were involved in a major accident. Liability insurance is required by the state, but requirements are often set low–remember, if you’re found to be at fault in an accident, you’re liable for medical costs and property expenses, and your minimum coverage might not be enough to handle these occasionally enormous costs. Also, in that situation, you’d likely need coverage for medical bills and other expenses, which would come from non-mandatory coverage types. Therefore, it’s wise to buy at least a bit of additional liability and personal coverage, and it’s better to buy as much as you can afford. With that being said, you might reasonably try to find a middle ground between no extra coverage’ and ‘the maximum affordable coverage’ if you don’t drive very often, or if you always drive in the same low-traffic areas. Considering your driving habits can give you perspective on the amount of auto insurance that you actually need, and help you to pick a reasonable amount that doesn’t inflate your auto insurance quotes too drastically.

Once you’ve decided how much coverage you’d reasonably need, your job isn’t done. You should continue to examine your coverage levels every six months or so when renewing your policy, to determine whether to increase or decrease coverage amounts. Generally speaking, your auto insurance coverage limits need to change when your financial situation has changed and you’re not at your ideal coverage levels. Also when you can either afford more personal protection coverage to handle your expenses in the event of an accident or you’ve changed your driving habits and no longer need as much coverage.

If you’re looking for more coverage and are worried about the higher auto insurance quote that you’ll receive as a result, know that there are many programs offered by auto insurance companies that can provide a discount on your premiums. Low-mileage drivers often receive discounts, as do safe drivers and drivers in low-crime areas. Talk to your insurer about ways to keep your bill in line, but if you need more coverage, buy it–otherwise, you’re taking on a lot of risk.

What Seasonal Drivers Should Know About Their Car Insurance Policies

If you do not drive your vehicle often, you can save money on auto insurance. Contact your insurance provider and find out if they will offer you a discount on your policy. If you do not put a lot of mileage on your vehicle each year, you may be able to save a significant amount of money. In addition, some insurance companies offer per mile car insurance and it is affordable. You can still keep a full coverage policy, but it won’t come with a hefty price tag. You may have to track your mileage in order to qualify for per mile insurance. Some insurance companies will require that you use a special device in order to track the mileage and transmit the information to them. Other companies require that you purchase miles ahead of time.

So what kind of person would benefit from per mile car insurance? If you are retired and you do not drive your car a lot, you should consider purchasing this kind of insurance. If you are a student and you live on campus, you probably do not drive a lot, so you may be able to insure your car for less money. In addition, if you work at home and you don’t go out a lot, you will definitely benefit from this kind of insurance policy.

If your car is insured now, you should contact your insurance provider. Find out if they offer per mile insurance. If they do not, you may qualify for a cheaper premium. Additionally, you can obtain an auto insurance quote online for free. Please note that what you will pay for traditional or per mile auto insurance depends on your credit score, your age, and many other factors. If you don’t have a clean driving record, you will pay more for coverage. What you pay for auto insurance also depends on your location and how often you drive your vehicle.

If you own a seasonal business, you have different insurance needs than the average person. Many commercial auto insurance providers offer seasonal insurance for businesses. These insurance companies will create a customized auto insurance policy based on your needs. Furthermore, if you keep your car or truck parked during the off season and you still want to be protected, you can switch your policy to comprehensive-only. This coverage will protect you against theft and vandalism. If you are a seasonal driver, I don’t recommend that you pay full price for auto insurance. Search for a company that offers discounts for seasonal drivers or per mile auto insurance. Compare multiple providers by their prices and policies by obtaining auto insurance quotes online.

What Are Auto Insurance Customer Loyalty Discounts

Auto insurance is often an expensive investment, but can be made less so by companies who offer customer loyalty discounts. One of the largest problems facing insurance companies is the ability to retain clients, especially given the sheer volume of providers now available via the Internet. This has led to an increase in a long-standing practice, which is the reduction of rates for certain customers based on their time having been insured by the company, along with how many vehicles and other items they have insured there. These discounts can make even a marginal insurance company more appealing.

For a first time buyer, an auto insurance quote can be a daunting number. With no years spent with the company, the total can be quite high, even with an excellent driving record. Companies attempt to off-set this by promising discounts if the customer is loyal. Loyalty’ in this case is defined both by how long the customer stays with the insurance provider and also how many policies the customer purchases from them. While some discounts will simply take time to manifest, such as a percentage decrease in premium price per year the client has been with the company, there can be other, more immediate discounts available for clients. These can help keep premiums manageable.

One such discount commonly happens if there are multiple cars or drivers in a household, and the client chooses to insure all of them under the same policy. The subsequent auto insurance quotes for the 2nd or 3rd car and/or driver will typically be quite a bit less than the initial quote, ranging anywhere from a 10% to a 25% savings. This both encourages customers to purchase more policies and generates higher revenues for the company. Other factors which may affect discounts can include the age of both the cars being insured and their drivers, the accident records of all drivers insured, and even if other, non-automobile services are being purchased. Most insurance companies do not simply deal in car insurance any longer, and will offer price reductions if home and other specialized motor vehicle coverage is purchased through them.

While a steep discount is no replacement for excellent service and the ability to pay out on claims, customer loyalty discounts can take the edge off of what can be significant bill each month. Every company will offer a different schedule of discounts and offers depending on what services are combined and how long a client is willing to stay with them. These discounts, combined with an effective and efficient response to customer needs, can greatly increase a client’s satisfaction with their insurance provider, leading to a mutually beneficial arrangement.

The Advantages And Disadvantages Of Choosing A Local Auto Insurance Company

These days, buying auto insurance can be as simple as clicking a button on a website, but many people still prefer the personal, friendly approach that only a local auto insurance company can offer. But what kind of company offers the best auto insurance quotes, a local one or one you find on the web? What company offers up close service? You may choose to get auto insurance from a local company, as there are many advantages to the friendliness, but you also give up a little in terms of savings as well. Just what are the advantages and disadvantages of choosing a local car company?

Online prices can be more competitive

This varies by how well your local car company is connected. Really, many auto insurance companies are just the brokers. They serve as the liaison between you and the insurer. If they have the right connections, you can get a competitive auto insurance quote. Many of these companies realize they are competing against the web, so they try to stay well connected by offering competitive auto insurance quotes.

At the same time, the web is a virtual world of competition when it comes to auto insurance. Google cheap auto insurance quotes’ and you’ll get a list of thousands of possibilities. If your local company strives successfully to have cheap connections to auto insurance quotes, it may be able to offer you an auto insurance quote that’s competitive. If they’re not able to get the lowest rates due to a lack of connections, you’ll probably pay higher than you can on the web simply because there’s so much competition on the web. Do the research.

More personal service

It really comes down to how much you prefer face-to-face interactions. Thanks to the Internet, any auto insurance company is only as far away as an email. However, many people find this to be a fragmented way of dealing with people, especially in high stress situations like when a claim has to be made. If you prefer to talk to your agent face to face, go for the local company. You’ll be more comfortable. If a phone conversation works well enough, find an auto insurance company on the web since you’ll also have a larger pool of competitive quotes to choose from. It’s really just a personal choice. Practically, a long distance auto insurance company won’t make much difference. Personally, that’s another matter altogether. If you do decide to go local, definitely compare their auto insurance quotes to those on the web. If you choose the Internet, make sure the auto insurance company offers adequate personal service, regardless of the low auto insurance quotes they offer.

How College Drivers Can Find Better Auto Insurance Rates

College students don’t generally have a lot of money, and budgeting is very important throughout a collegiate career. This is particularly true where vehicle costs are concerned. Auto insurance rates tend to be fairly high for college students, as many students are in high-risk age groups. However, there are a number of ways that college students can find low auto insurance quotes, and the potential savings can be quite significant.

Before getting an auto insurance quote, it’s helpful to look at a college student’s driving habits to determine an appropriate amount of coverage. For instance, if the student doesn’t drive very often and usually stays on campus, it doesn’t make much sense to pay for unnecessary levels of comprehensive coverage or medical liability coverage. Cutting these amounts can lead to some serious savings. Many car insurance companies also offer low mileage discounts for infrequent drivers, which also helps to lower premiums, though drivers may be required to prove their infrequent driving habits (typically through odometer checks). Don’t cut coverage across the board, though; the state minimums for auto insurance are often low enough that a serious accident could bankrupt a driver. Drivers should take care when changing their coverage rates and deductibles–you still want to be protected if an accident occurs, as otherwise there’s not much of a point in buying an auto insurance policy. College drivers should also consider purchasing a vehicle with a good safety record, as this can greatly cut insurance premiums.

Many other insurance programs offer great discounts. For example, taking a quick defensive driving courses can greatly improve your rates, as most insurance companies offer a discount for drivers of any age group that complete such a program. They’re low cost or free, and your insurance agent can tell you where to sign up and what you’ll need to do to get a discount. Some insurers offer discounts for good grades, too, though this is more common with high school-aged drivers.

Perhaps the most important step that a college driver can take when looking for a good rate is to find as many auto insurance quotes as possible. Using online cost comparison websites can help drivers find some amazing deals, and can help when negotiating with a particular insurer for a lower auto insurance quote. It’s important to re-assess your premiums every six months or so, as costs change in the insurance industry very often. Always ask insurers about discounts, and read your car insurance policy’s fine print. This sort of active approach to auto insurance can lead to some tremendous savings.

Finding Lower Auto Insurance Quotes For Teenage Drivers

Increasingly, there are parents with active teenagers needing rides everywhere that look forward to the day they can simply hand over the keys to the new drivers in their family. It can be a relief for a parent to get some of their time back and have teenage drivers in the house take on some of the responsibility for running errands and shuffling younger siblings around for various activities. It can all make sense on the surface until the shocking news about the cost of auto insurance for new drivers comes into play.

Regardless of the fact that you may have a near-perfect driving record and pay reasonable prices for your own coverage, your teen may be provided an auto insurance quote that is almost double what you are paying. Unfortunately, national statistics are at the root of the skyrocketing costs for insuring a young driver. Motor vehicle accidents are the primary cause of death for young people between the ages of 15 and 20 years. It is common news that insurance companies shy away from risks. It is a very costly business to insure teenage drivers, so they raise the premiums to cover the exposure. It makes no difference how well you believe your son or daughter drives – your insurance company has borne the brunt of the cost enough times to be wary of the risk.

There are some steps you can take when seeking affordable auto insurance for your teenager. First you need to consider seeking auto insurance quotes from more than your current provider. You may be pleasantly surprised to find better deals and a variety of price quotes. It is also very helpful if your teenager is maintaining high grades in school – a GPA of at least B’. You could quality for lower rates. Some insurance companies will offer discounts to parents that add an electronic device to their vehicles that monitors the driving habits of the teen.

Knowledge of driver safety is highly recognized by auto insurance companies across the board. You can send your teenage driver for hands-on driver education or you can both take online courses. This is perhaps the best way to get better rates for your young driver. For your own peace of mind, when your teen first gets his or her driver’s license make some rules that will help reduce the risk of an accident. Limit their driving to daylight hours. Discourage the use of talking and texting on cell phones while driving. Do not permit them to drive with several friends in the vehicle. Remove these restrictions when you can be assured they drive with safety in mind first.

Does Your Car Insurance Company Cover Windshield Replacement

A rock or bird impacting a windshield can cause either a significant crack or necessitate a complete replacement. Either situation is stressful and often leaves auto insurance holders wondering if their insurance company will cover the damage.

Any glass damage on a car will be covered under the insurance policy’s comprehensive physical damage coverage. This covers things such as fires, floods, and windshield damage. How much will be covered will vary from company to company. Most insurance providers will be upfront about the amount of this coverage when any auto insurance quote is obtained. Even so, the policies surrounding windshield replacement can be murky. Typically, the car owner will be required to pay their deductible before the insurance provider will pay out for any damage. As this deductible is often $500 or more, and a replacement windshield is often only $350, insurance is not always the best choice. Companies do offer lower deductibles, sometimes as low as $100, but with a corresponding increase in monthly premiums. In that case, an insured person could pay only $100 to have a windshield repaired. Some states, such as Florida and Kentucky, have laws which prevent insurance companies from charging the deductible in windshield claims. This means that in those states, insurance would pay out for a windshield regardless of its cost, and no deductible would be required.

Companies may offer a waived deductible for glass if the occurrence is ‘no-fault’, such as a rock being thrown up from the road by a vehicle in front of the client, or if the windshield can be repaired for a smaller cost than replacement. Each insurance company will have different policies, so it is worth obtaining multiple auto insurance quotes to see who provides the best options, as glass repair and replacement are very common occurrences in the life of any vehicle. One common misconception about glass replacement is that using an insurance policy to cover it will mean an increase in rates. Again, damage which is considered to be ‘no-fault’ should not have this effect on a policy, but always be sure to confirm this with the insurance provider before proceeding with any work.

While almost any insurance company will cover the cost of windshield replacement under their comprehensive physical damage coverage, the cost of the deductible can often be more expensive than the windshield itself. If not living in a state where glass deductibles have been eliminated, a client needs to weigh the higher premium cost of a low deductible against the upfront cost of replacing a windshield. Windshield replacement, while technically a part of any auto insurance policy, is often more costly than it is worth.

Can Auto Insurance Rates Legally Increase Without Notice

Auto insurance companies, like many types of insurance providers, are carefully regulated by the government. However, they are still businesses, and companies must profit to survive in the market. While both parties in an insurance agreement are bound by contract, there are still several instances when an auto insurance provider legally reserves the right to change their rates without notice.

Most importantly, a driver who is routinely cited for driving violations can be certain to see their auto insurance quote rise. Auto insurance companies need to make money, and the risks of insuring a reckless or dangerous driver force them to raise their rates to compensate. Drivers who are in accidents often see their rates rise as well, for the same reason. Insurance rates also may rise without notice if the driver files a claim. Fault does not necessarily come into play in this situation. If the driver was the aggrieved party in the accident, the costs of medical expenses or vehicle repair may still prove prohibitively expensive to the insurance company, particularly if the other party involved was driving without insurance.

If a driver is cited for a violation like driving under the influence or any number of misdemeanors, the court may suspend the driving license. The only way to regain this license and return to the road is to file for a type of insurance called SR22. The SR22 form is a pledge from the insurance company that they take responsibility for insuring the individual, even though the driver has proved reckless in the past. As may be obvious, insurance companies do not appreciate the added risk of insuring such drivers, and will often raise rates or even charge new premiums in response. Insurance companies are often notified of such violations even before the driver applies for the SR22 auto insurance change, and raise their rates without notice and even before the next billing cycle.

In all these instances, the company is responding to a change from the insured driver. If the driver participates in accidents, is found to drive intoxicated, or is cited while behind the wheel of a car, the driver has effectively modified their contract. By changing the circumstances of the policy through reckless or dangerous behavior, the driver has forced the insurance provider to reexamine the policy. The provider of insurance can legally adjust their auto insurance quotes without warning or advance notice to fit the new situation. Therefore, a driver who uses a vehicle in a safe and wise manner can be assured that their rates will remain constant between renewals.

Are There Special Auto Insurance Options For Military Families

Although the cost of living has been on the rise in the United States there are still some things that military personnel can benefit from. Discounted auto insurance is offered from certain insurance companies, to all active or retired military. There are also two programs that are especially helpful to military and those programs are USAA and AFI.

USAA (United Service Automobile Association) was created in 1922 and formed by a group of active military workers who wanted to self insure each other. The reason they did this was due to the fact they were seen as a high risk group and could not get auto insurance otherwise. USSA is a program specifically designed for military clients and offers coverage and protection to families and active duty military members who are deployed or at home. USSA offers very low auto insurance quotes and according to their website, members can save up to $525 a year.

Another program is AFIC (Armed Forces Insurance), which provides discounted auto insurance through Progressive. Progressive is a well known auto insurance company and these services are provided in 38 states. Auto insurance offers the same benefits and protection for military and non- military persons. To get the lower auto insurance rate, the coverage is merely based on a group categorization for all military and their families. This allows the company to provide an economical coverage in the interest of the family, in case of any accident or problem with the vehicle.

Another option for a military family is simply making certain adjustments to the Insurance you currently have or the coverage you purchase. One way to lower your premium is to take a higher deductible, and then you will be paying less every month. One can also buy a policy that solely covers motorist liability and does not offer any benefits toward fixing or replacing a vehicle. Customizing your current auto insurance will bring down your overall premium without having to change companies.

You may be able to get a discount if you are deployed. If you discuss with your insurer that you are being deployed you may get a discount if the car is not being used for commuting purposes. If the car is going to be in storage you may still have to hand in your license plates if you want to drop your insurance all together. While your military status gives you a discounted rate on insurance, you determine how big of a discount that is by calling Individual companies for an auto insurance quote.

Why Smaller Auto Insurance Companies Might Not Provide Adequate Coverage

Everyone who operates an automobile needs to have auto insurance. In fact, it is mandatory to at least have liability auto insurance coverage in order to drive legally in the U.S. When shopping for auto insurance, keep in mind that auto insurance is controlled by the provisions and guidelines of individual states. Just having a liability only auto insurance policy may not be adequate coverage for you no matter who you buy your insurance from. For instance, if your automobile is financed, you will need to have a policy that provides comprehensive coverage. Liability-only coverage will only cover damages or injuries if you are at fault. Even then, a limited liability policy may only cover damages done to the other driver and his or her automobile.

In an effort to save money, many automobile owners consider going with a smaller auto insurance company. Many times, the smaller insurance companies will have cheaper premiums than larger insurance companies. There are all kinds of smaller insurance companies out there that offer competitive rates and a variety of coverage packages.

However, there are a few reasons why smaller insurance companies might not provide adequate auto insurance coverage. One of the reasons is that the smaller auto insurance company may not have adequate funds to cover a large accident. A smaller insurance company generally has a smaller pool of money to pay out from, which may pose a problem for them when having to pay out for a major accident. The more clients an auto insurance company has, the larger their pool of money will be, and the easier it will be for them to pay major accident claims. However, some smaller auto insurance companies have been around for a long time and are fully funded for such claims because they only insure the safer drivers who have excellent driving records. When shopping for a auto insurance policy, make sure you ask how the company pays claims. If they their explanation of their pay out claims satisfy you, then it may still be worth getting auto insurance through them.

However, you should also keep in mind that cheaper premiums do not necessarily guarantee you will have adequate coverage. If you are financing your automobile, you will need to have comprehensive coverage, which means higher premiums. When shopping for comprehensive coverage insurance from a small insurance company, make sure the policy they are offering you will sufficiently cover all your needs. This way you will be adequately covered if you are still paying on an auto loan. Having adequate insurance coverage is essential when you own an automobile.

Who Decides Percentage Of Fault In An Auto Insurance Claim

In some states, a claim made against a driver’s auto insurance coverage must be decided by a percentage of fault. For many accidents, this is as simple as declaring which driver was completely at fault; for instance, if one motorist backed into the car of another motorist, there’s no question as to whose insurance will pay for the damages. However in some cases, both drivers have some amount of fault, and damages are assessed according to the percentage. For instance, if one driver made an illegal right turn and hit another driver who was exceeding the speed limit, both drivers would have some amount of fault. Many motorists wonder how these percentages are decided, as they seem fairly random in nature.

Percentage of fault is often negotiated between two auto insurance companies when a claim is made. Each insurance company investigates the details of the accident and decide based on a number of factors an agreeable percentage of fault. The factors they use to decide the auto insurance claim include the accounts of both drivers, any pictures submitted, and any reports from officers who’d surveyed the accident scene. Drivers can help to get a favorable decision by providing as much information as possible in these cases, and by avoiding some classic mistakes at the scene of the accident. For example, admitting any amount of fault is a huge no-no. The state insurance commission may step in if a case is excessively complicated or if one driver submits a complaint about the way in which the case was handled.

Different states may have very different systems for assessing who pays for the cost of an accident. It’s important to understand what type of state you’re driving in before making an auto insurance claim. Some states practice no fault’ systems of insurance in which minor accidents where the cost of damages under a certain amount are handled by the insurers of each driver. Nobody is declared at fault, and this prevents the case from going to court. In other states, if either driver is found to be over 50% at fault in an accident, his insurance will pay for the full damages. To find out how your state handles insurance claims, contact your state’s insurance office or simply call your auto insurance agent. It’s crucial that drivers learn what to expect from a claim before filing one, as the paperwork, pictures, and information submitted with a claim report could have a drastic effect on the case resolution. Doing a bit of research now can save you the hassle as well as thousands of dollars in the long run.

Warning Signs That Your Auto Insurance Claim May Not End Up In Your Favor

After getting in a car accident, many thoughts go through your head, including whether or not your auto insurance claim will be settled in your favor. Although you would likely worry no matter what the circumstances surrounding your insurance claim are, there are some signs that suggest that you might not win your auto insurance claim. However, if you catch these signs early enough, you can take action to help yourself turn the tables and get the reimbursement you believe you deserve.

First of all, you should be monitoring your auto insurance before you get into an accident. If you take a look at your insurance after the fact and realize your coverage amounts are not as high as you thought they were, it’s likely that your auto insurance coverage won’t pay for your accident costs. Even if they pay, they probably won’t pay much. It is wise to carefully scrutinize your policy before you end up in an accident. If you’re naive about your policy, it’s easier for your company to deny your claims.

Secondly, if the insurance company doesn’t see the damage, you’re not as likely to get your claim approved. Of if your claim is approved, it might not be for the amount you think you deserve. If the damage is minimal, or if the insurance inspectors don’t see the damage, your auto insurance coverage probably won’t pull through. One suggestion to avoid this is to go with the assessors whenever they look at your car. In addition, you can always take pictures of the accident as soon as possible, which will give you better leverage as you make your case to the insurance company. However, if your car insurance company doesn’t think your car was damaged, or thinks that the damage is less than you have stipulated, this is one big sign that your claim will be denied.

Thirdly, if you don’t report your accident right away, or if a police report contains information that’s different from your side of the story, it will be harder for you to prove that your version of the truth is in fact the correct version. Although you can get an accident attorney to help you make your case, it’s likely that your auto insurance claim will be denied if a police report suggests that you are at fault. In addition, if no police report is filed and the other driver contests your claim, your insurance claim may be denied. The best thing to do in this situation is to contact the police, even if the accident took place in the past. If you’re facing one of these signs of auto insurance coverage denial, take action before it’s too late.

Using Low Coverage Auto Insurance As A Temporary Solution

Sometimes motorists simply don’t have the necessary funds for a high amount of auto insurance coverage. This can be a serious problem since you cannot legally drive without auto insurance, but in bad economic times there is sometimes no alternative than to cut a bit of coverage. You will often hear from insurance experts that this is a bad plan; driving with inadequate insurance coverage puts you at high risk, and if you are involved in an auto accident, you could be in serious trouble. Nevertheless, sometimes cutting a bit of coverage can be a necessary move, and as a temporary solution, it can help drivers get out of a jam.

Your coverage levels make up a very big part of your auto insurance quote, so lowering coverage lowers the premiums that you will be paying. By checking with your state insurance commission or contacting your insurance agent, you can restrict your coverage to the state-required minimum levels. If you’re leasing a car or using a loan to buy it, you’ll likely need some amount of comprehensive coverage as well. (This is often in your loan or leasing agreement; it protects the bank from a potential loss). You can also raise your auto insurance deductible in a few areas, as this will further decrease your quote, but be sure to leave the deductibles at a level where a minor accident would be affordable. You should always assume that an accident is possible, even if you are only cutting back on your auto insurance for a month or two while you get your finances in order.

It’s very important to switch your auto insurance coverage levels back to a reasonable amount once you’re able to afford the cost. Remember, an accident is always a possibility, and more coverage is actually a good deal when you consider the peace of mind that you’re purchasing. Before you increase your coverage levels, talk to your insurance agent to try to negotiate a lower price than what’s advertised on their website or company literature.

If you’re uncomfortable with changing the levels of your auto insurance coverage, there are other options. Using cost-comparison websites can help you find a company that offers better rates for the same amount of coverage. You can take a driving class or get court supervision if a recent accident or citation has caused your rates to rise. You’ll get a lower premium and will avoid taking a hit to your driving record. In any case, only use low coverage as a temporary solution to financial problems; otherwise, you will pay for it in the long run.

Tips For Talking Your Auto Insurance Agent Into A Lower Rate

Most of us are familiar with the famous quote by Benjamin Franklin that states In this world nothing can be said to be certain, except death and taxes.’ The absolute truth of that statement is debatable, but few would argue against the notion that both those topics are unpleasant to think about. You may call them ‘necessary evils’ of the human experience. Likewise, all law-abiding drivers find auto insurance to be a necessary evil. You must have a valid policy, but that doesn’t mean you have to enjoy paying for it. Let’s consider some ways to negotiate a lower rate on your plan.

The first notion may be the hardest to swallow: you must be an assertive shopper because the insurance agent’s main goal is not to save you money. If you want to get the best deal, you should be prepared to revisit your plan every six months. Blind loyalty to one company can greatly cost you; it is financially beneficial to always keep your options open.

There are many varieties of auto insurance coverage. Remember to use competitors’ quotes as a starting point; but ultimately, it is better to talk to your agent on the phone or in person. Your agent may offer you special deals that aren’t advertised elsewhere if they know they may risk losing your account. Ask about multiple vehicle discounts, such as ‘umbrella coverage,’ which combines your auto insurance policy with a homeowners’ plan and higher deductibles. Be careful not to raise your deductible too much because if your deductible is maxed out and you’re involved in an accident and need to file a claim, you typically won’t get any compensation unless the car is totaled.

Note the various factors when discussing discounts with your agent. Have you had your existing policy for a long time? Ask about renewal discounts on a long-term membership. Has your credit score improved recently? This could lower your rate simply by asking about it. Similarly, if you have a prior accident on your record yet have been a safe, incident-free driver for the last three to five years, you could be eligible for some savings. Finally, reevaluate all the ‘extras’ on your policy. If you have a good health insurance plan, your hospital costs may be covered in case of an accident, making the ‘personal injury’ option redundant. Also, if your car or truck is an older model, you probably can forgo the comprehensive collision option, if repairing the vehicle would cost more than its worth. Shopping for car insurance may seem like a hassle, but as a wise man once said, ‘A penny saved is a penny earned.’

Special Types Of Auto Insurance Coverage For Customized Vehicles

Have you ever seen the TV show Pimp my Ride?’ In this program, the host, a famous rap star, accepts videos from viewers who ask him to help them out with their cars. Their cars are old, beat up, full of rust, held together by duct tape, and in some cases, it is hard to believe that they are even still running. When selected to participate on the show, their old cars are given an extreme makeover with no boundaries. And when I say no boundaries I mean chrome grills, spinners, hydraulics, spoilers, flat screen TVs, fish tanks, full surround entertainment systems, mini casinos, etc. So now that the lucky winners on the show have got their cars all supped up, how do they get them properly insured?

If you have invested a large amount of money to customize your vehicle, you may be eligible for special auto insurance coverage. Most car insurance companies offer to cover your add-ons at an additional cost. This means adding on an endorsement to your current coverage for collision to cover the modifications. It is in your best interest to shop around different auto insurance companies to get the best rate. Keep in mind that each company offers a different amount covered under your endorsement. This amount usually only covers the value of the customized parts, not the expense you pay to replace or repair them. This means that the often pricey installation bill for labor from a mechanic shop will not be covered.

If you are considering customizing your vehicle for the first time, here are a few things to consider: First of all contact your insurance company and let them know exactly which modifications will take place. Make sure that your insurance company will cover these, and if not, you may have to find another company that does. Some companies may be hesitant to insure owners of specialized vehicles under the assumption that these drivers may be ‘wild drivers,’ tend to speed, and the possibility of a high payout to cover the customized parts and equipment in case of an accident.

Overall, all other factors that are taken into consideration when getting an auto insurance policy remain the same, whether your vehicle is customized or not. So when shopping around, use to your advantage any information that may help you lower your monthly payment such as good grades if you are a student, a perfect driving record, home owners insurance, etc. Expect to pay a little more for your customizations, but with enough research, you should be able to find coverage for your needs.

Limiting A Traffic Citation’s Effect On Your Auto Insurance Quotes

Anyone who has had a traffic citation in the past knows that it can certainly have a negative effect on your auto insurance. While it is not always possible to completely stop a citation from affecting your auto insurance coverage or an auto insurance quote, it is possible to limit the effect that it has. Here are some tips for keeping that traffic citation as painless as possible for your car insurance.

If you have received a traffic citation, you should make every effort to keep it from appearing on your driving record. If a traffic citation is paid, you will then have a notation of that on your driving record, which will almost always eventually cause your auto insurance rates to be raised. However, if you are able to go to a court-approved driver safety course, you can avoid having the citation on your record. You can normally request taking a driver safety course, or traffic school,’ with the court at the time you call or report to your court date. The court will give you a time and place to report to the driver safety course, and you will need to pay an enrollment fee (normally around $35) as well as court administrative fees. Typically, the cost for the driver safety school will be less than the cost of the ticket would have been. Completion of the course will allow you to keep the traffic citation off your driving record and will therefore help you avoid an increase in auto insurance coverage.

Another way to limit the effect a traffic citation has on your car insurance is deferred adjudication, which is a form of plea bargain that is available only in certain states, so you will need to check with your local court. If you choose deferred adjudication, you will usually enter a guilty or a no contest plea. You will then be placed on a type of driving probation in which you will need to maintain a clean driving record for the next 90 days. Upon completion of that period, the traffic citation will normally be dismissed. In this way you can avoid any appearance on your traffic record as well as any damage to your car insurance rates. There are some minimal court costs associated with deferred adjudication, which vary by state.

While you may not be able to avoid getting the occasional traffic citation, you can make every effort to be a smart and safe driver. When you do have to deal with a traffic ticket, try using the methods above to limit the effect it has on your auto insurance.

Keeping Your Auto Insurance Bill Low After Making A Large Claim

You may see yourself as a good driver and a low-maintenance customer who doesn’t create too many problems for an auto insurance carrier. Imagine that one day you have an accident, perhaps through no fault of your own. However, you recognize the implications the event may have on your auto insurance policy. Your friends tell you that an auto insurance claim may cause your premiums to increase, whether you were at fault or not. Fortunately, insurance law is not quite that fatalistic. Nonetheless, you can expect to feel some of the effects of the accident in your future premiums. However, it isn’t the end of the world and there are some measures you can take to keep your auto insurance premiums in check.

One of the first things you can consider is to raise your deductible. You could wind up having to have to pay the first several hundred dollars of a loss out of your own pocket. However, it would ultimately bring your premiums down. The premiums for a policy with a $200 deductible will be higher than those for a $500 deductible. In other words, you’re essentially telling the insurance carrier that you don’t want to pay lower premiums, but in the event of an accident, you realize you’re going to have to pay for the first few hundred of the loss.

This is not for everybody, but it is one of the most commonly used methods for lowering premiums. Another method to lower your premiums would be to reduce the limits on your liability coverage. However, you should realize that with this move, you are actually making a reduction in the quality of your insurance. Instead of carrying generous coverage limits of $100,000/$300,000, you may opt for lower limits. However, you should realize that lower limits signifies that in the event that you are sued, the party suing you is going to receive less money from your insurance carrier. If that particular person or their lawyer is not satisfied with the payment, a possibility exists that they could come after you personally for the loss. This could result in an expensive way to lower your premiums, and ultimately this choice greatly depends on your personal financial situation. If you have considerable assets that might be at risk in the event that your insurance coverage was inadequate, you might feel more comfortable in sticking with simply tweaking the deductible.

Another way to lower your premiums is to take a defensive driving course. This can lower your liability premiums by as much as 10% in some cases. However, there may be limits as to how frequently you can take such a course.

Is Accident Forgiveness A Worthwhile Auto Insurance Add-on Cover

Quite a few extra coverage options exist that a driver can buy when purchasing an auto insurance policy. However, many of these options are not necessarily great purchases for every buyer. For instance, customized parts and equipment coverage are not necessary if a car is not going to be modified or upgraded. Other add-ons, however, seem like logical buys, such as accident forgiveness. Accident forgiveness stops an auto insurance claim from counting as a point on a driver’s record. Since the cost of auto insurance coverage can skyrocket when a claim is made, some drivers consider it a great deal. As with any add-on, it is worthy of consideration, but it is important that drivers understand exactly how accident forgiveness functions.

The problem is that several auto insurance companies offer accident forgiveness, however, the terms may vary greatly. In general, drivers are required to keep a good driving record in order to become part of an accident forgiveness program. One or more traffic citations may result in exclusion. If you have been involved in an accident or have had a citation, you may not be allowed into the program at all. Accident forgiveness is inexpensive yet does come at an extra cost. They are certainly worth the money if you are ever involved in a fender bender. However, a major accident may not be covered under an accident forgiveness program. The program may also extend to all accidents and not just accidents caused by you.

Therefore, it is extremely important to fully read over the details of the add-on before deciding whether or not to purchase it. Talk to your insurance agent if you do not fully understand any of the terms laid out in the auto insurance policy. Ask whether serious accidents are included in the add-on. Also, ask if whether or not you will be notified in the event that you are suddenly excluded from the program. It should go without saying, but the cost of such an add-on is also important. Make sure that you know what you are paying before you decide to make a purchase.

Again, it is important to stress that accident forgiveness is often well worth the cost. However, remember that each driver’s situation will vary. Assuming a driver is eligible, and the addition only costs a few additional dollars each month, it is difficult to think of a reason not to opt into an accident forgiveness program. Accidents can happen at any time, and they can happen to relatively good drivers, so a bit of extra protection could save you quite a bit of money in the long run.

How To Plan For Your Next In-full Auto Insurance Payment

In a tough economy, people are trying to cut expenses in any way they can, but auto insurance is an expense we cannot do without. State laws tell us we must have insurance in order to drive a car, and many states will not even allow you to license an auto without providing proof of insurance. Do you panic when that yearly insurance premium is due? If so, there are strategies to help you plan to pay the full amount without breaking your budget. Some insurance companies offer monthly, quarterly or yearly payments of premiums. However, there is usually a fee that accompanies installment payments, so it is best to pay the auto insurance coverage yearly.

In terms of budgeting, one should always plan ahead in order to be able to pay the full auto insurance premium. As soon as the yearly premium is paid, you should start saving for the next year’s payment. Divide the full amount by 12 to get the monthly amount you will need to save. You may even consider adding a few dollars just in case your auto insurance rate increases over the year. Be diligent about saving this amount by putting it in a savings account. Keep in mind that by putting the fixed amount in your savings account every month, you will be earning a small amount of interest on it. If you were paying your auto insurance on a monthly basis to the company, you would be paying them a fee instead. In essence, you are saving money by doing this.

If the monthly savings plan is not feasible for you, look to an income tax return for the funds. Again, you need to set up a savings account and deposit enough funds to cover your next auto insurance premium. Pay the full amount when it comes due. As soon as you have paid the full amount, go ahead with the idea of budgeting a monthly amount to continue putting in the account. This will help to get ahead for the following year’s insurance premium.

Auto insurance coverage is a necessary part of everyone’s budget, but you can make it easier to pay by planning ahead to pay it in full. You will know that you are prepared to pay the insurance rate when it comes due by simply transferring the money from your savings account to your checking account. Placing that monthly amount into an account to save for an insurance premium may temporarily slightly strap your budget, but it is better than stressing out at the last minute when the full amount is due. You may even consider the interest earned to be a personal bonus!

When Items Stolen From Your Car Aren’t Covered

Vehicles get broken into quite often leaving people unsure and angry. It’s a troubling experience that people shouldn’t have to go through, but unfortunately, they do. Your privacy has been invaded, your personal belongings are gone and you’re stuck to clean up the mess.

The first step is to make a claim on your auto insurance policy and fix the damage as quickly and possible. But the tricky and at times frustrating part is figuring out what items your auto insurance will actually cover in this already tough time.

Common Items Stolen From Vehicles:

Most break-ins occur because a burglar will spot valuable items inside a vehicle. Some common items stolen include: Car stereos, cell phones, CDs, laptops, small electronics, MP3 players and wallets or purses.

Many times people are unsure about which items are covered on their auto insurance policy.

What Most Auto Insurance Policies Will Cover:

With most auto insurance policies, damages due to theft will be covered under your comprehensive coverage. After the break-in, check your auto insurance policy to see if you have comprehensive coverage. This will tell you what items are covered in the event of a theft.

In most cases, only car stereos will be covered by your auto insurance, and you can’t even always count on that being covered. This happens because most stereos are made so the unit can be detached from your car; in other words, it’s not considered part of your car. This also explains why the other items are not considered part of the car, since they are not physically attached to it. All your other items will most likely be covered by your homeowners (or renters) insurance policy.

If the thief breaks a window, scratches your door, breaks the lock or does any other damage to the car itself, the damage will be covered under your comprehensive coverage if it’s on your policy. With comprehensive coverage, all you’ll need to do is pay your deductible and your insurance company will pay for the remaining amount of damage.

Avoid Being the Victim of a Burglary:

There are a few steps you can do to prevent someone from breaking into your vehicle. The biggest thing would be to install an alarm system. They can be quite expensive, but in the long run, it’s an investment worth making. Next, always keep the doors locked and windows closed, even if you’re just running into your house for a second.

Don’t leave any valuable items (purse, cell phone, wallet, keys, etc.) out in the open. It is best to leave them in your glove box.

Just a few simple steps can prevent you from having to deal with the aftermath of someone breaking into your car.

Why Adding Towing And Labor Coverage To Your Auto Insurance Policy Is A Good Idea

Adding towing and labor coverage to your auto insurance policy is a small investment that can bring tremendous peace of mind. Being stranded by the side of the road with a non-functioning or damaged vehicle is terrible enough without having to wonder how to get your car towed or how much it will cost. Choosing to have towing and labor coverage added to your auto insurance policy ensures that a tow truck is only a telephone call away and will arrive to help in less than an hour. With this coverage, towing, which can easily run in upwards of $100 for a short trip to the nearest mechanic, is paid in full by your insurance. It also means that the cost of the labor involved in getting your car back on the road, such as fixing a flat tire or replacing a dead battery, is included under towing and labor coverage on your auto insurance policy.

Some auto insurance companies offer towing and labor coverage as an option you can add to a comprehensive insurance policy. Other companies offer this type of coverage as part of an emergency roadside assistance program. Either way, coverage is extremely affordable and can cost as little as a dollar or two per month. Unless you’re driving a new car that is still under warranty and includes roadside assistance through the manufacturer, adding towing and labor coverage to your auto insurance policy is the best way to ensure you don’t get hit with high towing costs if your car breaks down, has a flat or is involved in a collision.

The next time you’re inquiring about auto insurance quotes, make sure to ask about the cost of towing and labor coverage and consider all of your options before purchasing. Different auto insurance companies specify different limits allowed under towing and labor coverage as well as which labor costs are reimbursable and which are not. There may also be restrictions, such as how many miles your car can be towed, how many claims you can make per year and coverage being limited to only the vehicle listed on your auto insurance policy. So, it’s smart to shop around and find an auto insurance quote with the greatest benefits from a carrier that best fits your needs.

Towing and labor coverage can bring you peace of mind during a very stressful time. It just makes sense to have this valuable, money-saving coverage added to your policy. It’s worth the small monthly investment to know that fast, reliable towing and roadside service is only a telephone call away and the cost to return your car to road-worthiness is already covered under your auto insurance policy.

Why Some Think 2010 Is The Year For Green Vehicles

The grass is always greener on the other side’. While this may not always be true, it could be for the ‘green’ vehicle forecast of 2010. Sustainability, eco-friendly, and green are just a few buzz words floating around our recessed economy as consumers are constantly looking for ways to better the environment around them. Is 2010 the best time to go green on the road?

Car companies wised up a couple years ago, catering to the mass market demand of more fuel efficient vehicles as gas prices rose to more than $4 a gallon, and they continue to please with new options every year. In 2010, Honda will introduce a new Insight, modeled very closely after the Prius, with an EcoScore system that tells the driver how ‘green’ they are driving. And going to back to the basics by choosing a manual over an automatic transmission boasts Insight’s overall mile per gallon to 51 mpg. Honda also introduced the Civic GX that runs completely on natural gas. Since the Smart Car passed U.S. standards and safety inspections, more consumers are jumping on the European bandwagon and purchasing this mini vehicle, realizing its 44 highway mpg is checkbook as well as eco-friendly, not to mention convenient to park. Looking larger, automotive companies are converting more and more SUVs to be environment-friendly, such as the Cadillac Escalade. In 2010, GM introduced the first ‘green’ Escalade as a hybrid. The unfortunate downside is it starts at $80,000. It may be eco-friendly, but that is all. However, GMC’s Sierra is also a SUV hybrid that offers a more economical price tag starting in the high 30s.

Perhaps the most anticipated vehicle of 2010 is a Canadian import that is lauded for its 280 mpg, affordable pricing for under $22,000, and its silence. ZENN Motor Company is tagging the ZENN as ‘Zero Emission. No Noise’. It is a fully electrically-operated vehicle that requires no gas and can be recharged within four hours by plugging it into any electrical outlet. The only ugly side as of now is that it’s not approved for highway use and has been deemed a city car. Other than that not bad, eh?

Last year had many consumers bating their breath in hopes of the ‘greenest’. This year may be greener than 2008 and 2009, as technology is allowing automotive companies to create more alternatives, revamp the old alternatives and augment with new additions such as EcoSource. However, this does not mean 2010 is it. Automotive companies are constantly learning on how to improve and how to innovate, and many 2010 advances are not enough to trade in your 2008 eco-friendly vehicle for the ‘new and improved’ 2010 eco-friendly vehicle.

Auto Insurance Saving Traps Many People Fall Into

With the economic climate of the world today, it’s hard to determine which businesses are honest and which are out to scam customers to make money. Finding the right auto insurance company is especially difficult. With the number of insurance companies competing against one another, consumers are bombarded with messages regarding savings. Most people look to save money when it comes to purchasing auto insurance. Seeking out the best savings sometimes means people fall for savings traps that auto insurance companies may not be telling unaware customers about.

One thing to remember when purchasing auto insurance is that setting your deductible too high in order to lower monthly premiums will inevitably result in high pay-outs in the event of an accident. You must consider if a super high deductible would be worth it in the long run, should an accident happen. If you end up paying a $1,000 deductible, one accident alone could seriously hurt your financial situation. Another factor to consider when looking for savings with auto insurance coverage is opting out of getting the uninsured motorist coverage. In the event that you are involved in an auto accident with a person who is uninsured and has no assets to pay your damage costs, if you are not covered, you risk having to pay out of pocket for repairing damages. The high cost of paying for damages outweighs the amount you save each month from excluding this coverage.

Another auto insurance savings trap to be mindful of is added costs at the time of renewing your auto insurance coverage. More often than not, insurance companies slip extra costs into your policy in hopes that you won’t notice when you receive your renewal information. Further, when an insurance company offers a special discount that you qualify for, the discount isn’t automatically applied to your policy. Auto insurance companies hope that you do not notice the missing discount, and that they in turn will benefit from your mistake. Therefore, you may not notice you aren’t even receiving the discount, and your policy will continue without it. You must mention the discount to the auto insurance company if you want to receive it, and you must check your statement to ensure it is applied.

Auto insurance companies, like most companies, want to make money. Offering savings and discounts entices customers to want to sign up. It is important that as a consumer you are always aware of what is going on in your policy – especially in regard to your auto insurance quote, premium and deductible. Do your research and be cautious that where you may be saving in one regard, you may end up paying more in another.

What Auto Insurance Companies Are Doing To Help Customers Minimize Costs

As today’s consumers work hard to find low-cost auto insurance, insurance companies try to offer the most attractive premiums in a ruthlessly competitive industry. They do this in a number of different ways.

For starters, these companies will offer a good driver a lower auto insurance rate than a poor driver. After all, enlisting and retaining good drivers mean fewer accidents. Fewer accidents mean fewer costly claims every year for the agency to pay out on. That enables insurance companies to charge all their policyholders lower premiums. It’s sort of like rewarding a dog with a treat for a performing a trick. Related to this, insurance companies also encourage their drivers to enroll in defensive driving courses. A simple five-hour course can contribute to better driving habits, which can contribute to fewer accidents. This can also contribute to lower premiums for everyone enrolled with the company.

Another method used by insurance carriers to keep rates low is by being vigilant to fraud. Incidents of fraud cost the insurance industry billions of dollars every year. Insurance investigators are alert to the old games where several people pile into a car and deliberately slam on the brakes in front of a truck. They are alert to the patterns of professional plaintiffs who seem to have one suspicious accident after another, sometimes every six months. In addition to keeping up-to-date on new insurance scams, many agencies have bolstered their special investigations units with ex-law enforcement personnel, along with high tech surveillance devices, in order to convict policyholders who file fraudulent claims. Some have also instituted fraud hotlines where vigilant citizens can notify them in the event that they suspect people of carrying out insurance scams with phony injuries or disabilities.

Insurance companies are also able to offer lower auto insurance quotes by managing their property damage departments with smart procurement techniques. By assigning purchasing agents who search for replacement parts at the lowest cost instead of a car manufacturers’ costly replacement parts, carriers can pass large savings along to their consumers. Although some picky drivers aren’t delighted with the prospect of having to settle for a replacement part that isn’t from their car’s original manufacturer, insurance regulations do permit the practice. Insurance carriers are also offering their policyholders the option of designing customized auto insurance policies that are best suited for their budgets. They do this by offering the most sensible levels of protection for an individual’s needs, as well as the option to select higher deductibles that can further reduce premiums.

The combination of all these things can result in a better bottom line for the carrier and a more attractive premium for the consumer.

The Steps To Take If Your Auto Insurance Company Goes Under

The first step you must take in the event your auto insurance company goes under is to search for insurance under another carrier. When doing so, keep your policy documents where you can easily find them, as they will be helpful when you shop for new insurance. You will likely want your new policy to provide the same sort of coverage as your previous one. Your policy documents the vehicle(s) insured, the parties authorized to drive the vehicle(s), and the types of coverage you purchased. Your policy documents will also outline limits on your liability coverage, provisions for uninsured or underinsured motorists, personal injury protection and whether you had collision and comprehensive coverage. Although shopping for insurance is inconvenient and time consuming, it does provide an opportunity for you to take stock of your personal situation and consider if the coverage you signed up for five years ago is still good for your needs today.

When you purchased auto insurance, you did so for the dreaded contingency that you might have an accident. Insurance companies are obligated to review claims for accidents occurring within the calendar dates of coverage on the policy. If you had an accident and your carrier went under, you’ll have to look into how your coverage claims will be carried over to another entity. If your carrier went into rehabilitation or liquidation, you might have to check with your state insurance department about how its claims are being handled. Another possibility is that the company could have been taken over by another carrier. Regardless of what happened to your auto insurance company, you’ll need to learn how its former claims are being handled. This is important for two reasons. First, you may still need no-fault benefits for medical treatment if you were injured in the accident. Additionally, you may need to be defended against a plaintiff if you’re being sued in connection with the accident – which is a service your auto insurance policy provides for. Because a carrier’s remaining assets may be consumed quickly if it’s in some form of receivership or state protection, you should move quickly.

You probably never thought you would have to replace your auto insurance due to your agency going under. However, use this opportunity to your advantage. Take time to reflect upon your assets and the scale of protection that’s necessary for you and your family. Look at things you might change on your policy to either save some money or enjoy better protection. And, again, if you had pending claims, move quickly to learn how they are now being handled. Following these steps will ensure you retain the proper coverage while on the road.

Cross-state Insurance Fraud Affects Auto Insurance In Pennsylvania

While the process of obtaining auto insurance has become far more streamlined in recent years, reducing the amount of time that consumers need to invest in this activity to a minimum, the cost of insurance premiums seems to climb ever higher. Though this can be partially blamed on the current economic downturn, many insurance companies will cite an increase in both cars and accidents on roadways to justify higher costs. However, other factors, such as the growing practice of auto insurance fraud and rate evasion, can drive up costs for even the most conscientious of drivers.

Rate evasion is the practice of fraudulently registering a vehicle in another state, with the owner claiming that they either live in the area or store their car there. This allows them to avoid much higher insurance costs in than their home state, where they may face either steep premiums for previous accidents, or may simply be subject to more stringent regulations under their state’s Transportation Board regulations. One area in which this practice is becoming increasingly common is the state of Pennsylvania, which, due to its proximity to both New Jersey and New York, has seen an influx of rate evaders from these two high-population zones.

Two determining factors in any premium cost will be what vehicle the state is registered in and where the vehicle will be driven. If the vehicle is registered, for example, in the small town of Wellsboro, PA, the insurance company will correctly assume the area has a limited number of high speed or dangerous collisions, and thus the premium charged on that auto insurance policy will be low. If the vehicle is actually being driven in urban New Jersey, however, where the rate of accidents is far higher, the possibility of both an accident or injury, and therefore a claim, increases dramatically.

This can lead to insurance companies in Pennsylvania paying out large claims to owners that do not actually drive their cars in the state, let alone reside there. The attorney general for the state of Pennsylvania, Tom Corbett, has stated that over 13 million dollars is paid out every year by honest citizens of the state to compensate for accidents that actually belong to out-of-state drivers registering their cars unlawfully. If allowed to continue unchecked, the premiums of drivers properly registering their cars could increase almost exponentially as other drivers take advantage of online insurance providers and confusing cross-state legislation. Law enforcement authorities in both Pennsylvania and its neighboring states have hastened to assure consumers, however, that they will begin to more aggressively prosecute rate evaders by turning more scrutiny on registration documents, hoping to stem the problem at its source.

Does Having Auto Insurance Protect Me From Lawsuits

Having the right auto insurance can protect you from lawsuits. As a matter of fact, this is one of the major reasons for purchasing an insurance policy. We live in a litigious society where people sue each other without hesitation for the smallest things – and a motor vehicle accident is by no means a small thing. When you purchase auto insurance coverage through a carrier, they assume the role of protecting you in an accident. This means that if the other driver hires an attorney to sue you for injuries and vehicle damage, your insurance carrier will step up to the plate and defend those auto insurance claims that arise against you.

This means that your carrier will gather claim documents, investigate the circumstances of the claim and make a decision regarding your liability in the matter. If your insurance company determines that payment should be made to the claimant, it will negotiate a figure with the claimant’s attorney that will settle the matter. This is essentially the means by which insurance prevents you from being sued in court. However, people should understand that such protection against lawsuits is not bulletproof. You can still be sued following a motor vehicle accident, as you can be sued for almost any act of negligence today. If the other driver demands more money to settle the matter than the limits of your policy coverage, your personal assets can be the targets of the lawsuit. Drivers should be aware that at such a juncture, their insurance carrier might place them on notice that they have the right to retain counsel on their own.

This is why some insurance experts advise people to obtain the most insurance coverage they can afford. A high level of coverage can prevent the catastrophic lawsuit that results in the targeting of a defendant’s personal assets such as a home, car, investments and bank accounts. The more assets a person owns, the more the reason to purchase higher limits of insurance. Maintaining adequate policy limits is one means of avoid being sued. Another means to prevent being sued is to comply with the conditions of your policy. This means using the car for the purpose for which you told your insurance carrier you would be using it. If you stray from these conditions, you may open the door to being sued (despite the existence of coverage on your part).

Perhaps the most important thing to remember is there is no such thing as a silver bullet’to protect you from auto-related lawsuits. However, policyholders can enjoy peace of mind knowing that driving prudently, maintaining adequate coverage limits and following the conditions of their policy helps them avoid it.

Why Driving While Stressed May Increase Your Auto Insurance Rate

If you’ve looked for auto insurance quotes online, you’ve probably taken a few steps to make sure you’re getting the best rate possible. Whether you have contacted several insurers individually or used a comparison shopping site to get several quotes, you’ve taken action to make sure you find the most cost-effective auto insurance policy for you. However, the biggest determinants getting these affordable premiums is the number of car insurance claims that you end up making. If you’re prone to driving while stressed out, you may be taking unnecessary risks that could result in a much more expensive insurance policy.

Stressed out drivers have less rational control over their actions and drive in ways that are unsafe for them, their passengers and the other drivers on the road. Stress can cause a driver to jam on the gas pedal, for instance, which prevents the driver from having adequate reaction time when coming up on a slow moving car or object in the road. They’re also more likely to slam on the brakes, which causes the opposite problem for drivers behind them – they’re not able to stop quickly through no fault of their own, resulting in a car insurance claim for the aggressive driver. Stress causes drivers to behave erratically, passing and cutting off other vehicles and creating volatile conditions that could easily result in a serious accident.

Avoiding the dangers of stressful driving can be very simple. Drivers who feel angry or emotional should simply stay off the road for several hours, or take a few minutes to cool off at a rest stop or gas station until they’re able to drive more rationally. A few deep breaths and a non-caffeinated beverage can also be very helpful. Making a conscious effort to drive more slowly can decrease stress in and of itself, and gives the driver (and other drivers) more time to think and react. Staying back from the flow of traffic and giving other drivers plenty of room is also very helpful, and can help you avoid a bad case of road rage.

If you’re able to drive without stress, you’ll build an impressive driving record that will result in less expensive auto insurance. Calm driving tactics make you a safer driver, less likely to cause a dangerous accident, and less of a risk to insurance companies. You’ll often find much better auto insurance coverage at much lower rates if you drive while conscious of your stress level. So, for this reason, be sure to pay attention to your driving habits, particularly when you’re driving under the influence of strong emotions. Keeping your head clear will be better for you, your auto insurance and every driver on the road.

Why A Reinspection Is Done By Your Insurance Company After Accident Repairs

Having a diligent insurance company can make all of the difference in an accident situation. From the first call made to the insurer until the owner’s car is returned in drivable condition, having a competent and credible business working on one’s behalf does wonders to ease stress, and justifies the auto insurance rate being paid. However, people are often not familiar with many of the steps that are necessary for the auto insurance process to be properly completed, leading to confusion or even anger on the part of the policyholder.

One process that is often misunderstood is that of reinspection. After a car has been damaged in an accident and has been examined by the repair or body shop, an estimate of the damage value will be provided to the insurance company detailing the projected cost to fix the car. At this time, an adjustor from the insurance company will also come out to inspect the car and to ask the repair shop to make additional repairs if needed, or check the car more thoroughly if there is a suspicion of hidden damage. An example of this might be damage to the suspension. It may not be visible on a first inspection, so an adjustor might ask to have the car stripped down and the suspension tested to make sure it was still functioning.

Once the repairs have been completed, or are close to completion, the adjustor will usually visit the service provider again to examine the repairs and reinspect the car. This auto insurance reinspection is done for two reasons. First, it is done to make sure that the repair shop has (or is in the process of) properly completing the repairs. This means that they are not cutting corners, using substandard parts or not doing a thorough job. This protects the client so that when their car is returned, they can be assured that they are driving a vehicle that is as safe as it was before the accident.

Secondly, the adjustor returns to reinspect the car for the sake of the insurance company. Again this is to make sure that the work is being completed correctly, but it is also to make sure that the cost of the original estimate is justified. The adjustor will look at what parts were used, if there were any additional charges and ensure that the work completed is worth the amount charged. This helps to protect both the client from unscrupulous repair shops, and the auto insurance provider from paying too much for the repairs.

While this reinspection can delay the return of the car to the policyholder, it is a necessary step, and one which helps protect all parties involved.

The Process If Your Insurance Company Deems Your Vehicle A Total Loss

Vehicles can very quickly be reduced to nothing more than fused chunks of metal if a severe collision occurs. Even with an excellent auto insurance policy, a provider who is diligent and a competent repair shop at work, there are times when it is simply not possible to restore a vehicle to its original condition without spending substantially more money than the car is worth. In these instances, an insurance company will designate the car as a total loss vehicle.’

When a vehicle is deemed a total loss, it is usually for one of three reasons. The first is that the vehicle is damaged so badly that repairing it safely would be impossible. Second, the car might have been damaged to such an extent that the state’s vehicular legislation demands that it be declared a total loss. And, thirdly, the cost to repair the car might exceed its actual cash value. The actual cash value is determined by the insurance company by using a database of current and past car values, the mileage on the car before the accident, and what other (if any) pre-existing issues the car had. If the number arrived at by the insurance company for the actual cash value of the car is lower than the cost of repairs, the vehicle will be declared a total loss.

If an auto insurance claim has been made on an accident and the car is declared a total loss, the next step will be payment. This payment will be in the amount of the actual cash value of the car, minus any deductible owed by the policyholder. The car will then be taken by the insurance company and sold as salvage. If the vehicle is leased, the payout will go to the leasing company, and if the vehicle is financed, it will be paid to the financing institution. If the amount still owed on the vehicle is higher than the amount of the total loss payout, the owner will be responsible for paying the financing company the remaining balance.

After a vehicle has been declared a total loss, it is best for the owner to remove their name from the registration. The owner may also need to obtain a rental car, which may be included in the insurance company’s total loss coverage. It is important for the vehicle owner to remove the total loss vehicle from their coverage, but it is just as important to wait to do so until they are both removed from the registration of the vehicle and are no longer driving a rental car.

It’s good to know that if your car gets totaled, you have a good auto insurance policy to back you up.

The Genetic Connection Between Bad Driving & Costlier Auto Insurance

It should come as no surprise that dangerous drivers pay more for auto insurance. After all, the entire insurance industry is set up to charge drivers more or less based on their level of driving risk. What might surprise some policyholders, however, is the fact that genetics might have something to do with their bad driving habits.

A study recently reported in the journal Cerebral Cortex’ noted that about a third of all drivers are missing a gene that allows them to develop a working memory while performing repetitive tasks – like driving a set course. Drivers missing this gene therefore have a minimized sense of direction. This results in them paying less attention to the road, a higher risk to be in an accident and a potentially higher auto insurance rate. Genetics can also impact a driver’s ability to react and think quickly to avoid an accident. Some have even suggested that the tendency to drive while stressed out or emotional may be genetic, meaning that ‘road rage’ might not be in the control of some drivers. In a broad way, genetics effects everything that humans do, down to driving, but discovering specific missing or malfunctioning genes that lead to bad driving habits could have strange implications for insurers and policy holders.

Don’t expect your insurer to ask you for a genetics test the next time you look for an auto insurance quote, however. While genetic studies are interesting, they’re not a determinant used by any insurer. In fact, genetics might actually be an illegal consideration for insurance companies to use according to some federal and state guidelines. And, even if genes were easy to read, they wouldn’t provide as much information for an insurance agent as a driver’s record and the various statistics that car insurance companies currently use when determining coverage and rates. If they were, auto insurance companies would ask for a family history, as this would be a fine way to determine whether someone was genetically predisposed to driving poorly.

The tried and true methods that insurers use are always adapting as new statistics become available, but rates are still essentially based on a driver’s record. Drivers can avoid high car insurance premiums by simply driving well, using comparison websites when looking for new quotes, and by following insurance agents’ instructions to decrease the risk that they pose to insurers – such as taking defensive driving courses and driving safer vehicles.

Genetics may factor into car insurance some day, but for the lowest rates, the best approach is to simply take an active approach to driving carefully–even if this tactic goes against your genes.

Reality Show Spotlighting The Nation’s Most High-risk Drivers

America’s Worst Driver’ is coming to the Travel channel in 2010. Joining the latest craze of reality television, the show seeks to depict America’s worst drivers and people who cause auto insurance companies to cringe. Drivers selected for the show will become contestants to compete and determine who is the worst driver in the city. The first city on the list is Miami. In order to entice participants to be on the show, they will be eligible for prizes including free vacations and free gasoline. Participating cities for the show include Miami, Los Angeles, New York, Seattle, Dallas, San Francisco, Chicago and Boston.

According to the Miami Herald, ‘Contestants in the reality show competed in obstacle courses and driving challenges, with the worst driver losing his or her car at the end in a ball of flames.’ Every week, proven bad drivers will compete in several different road tests aimed at identifying who is that particular city’s worst driver. Seven out of eight of the participants deemed to be the worst drivers will receive a new car. This could prove costly to them, however, since they are at the top of the auto insurance risk rates. If they are truly horrible drivers, they could also pose serious risks to themselves and other drivers. A new car certainly will not help this situation. However, the show is not geared toward improving the participants’ driving skills, only at demonstrating the awful driving of these people. At the end, the absolute worst driver gets a lifetime bus pass rather than a new car. This might help reduce some auto insurance claims.

Based on a recent GMAC Insurance study, Washington ranks as second in the United States for states with the worst drivers. Florida ranked 40th, California was 14th, New York was 47th, Texas was 24th, Illinois was 22nd and Massachusetts was 48th. If these rankings are accurate, the show chose a vast array of cities to represent states from the top to the bottom of the scale. If they truly wish to look for America’s worst drivers based on this ranking, they should hold casting calls in Oregon, which came in as the number one state in the United States for America’s worst drivers.

The show might sound interesting. Unfortunately, the backlash from this type of show could have extremely negative consequences. Auto insurance companies could potentially raise rates in certain areas if enough ‘worst’ drivers prevail. The ‘winners’ of the show with new cars will still be classified as an auto insurance risk, but now face even more expensive auto insurance rates with new vehicles. Only time will tell if this new reality show will be a success.

Avoiding Auto Insurance Hikes By Curbing Aggressive Driving Behavior

Aggressive driving is a serious problem for many drivers. Less time is afforded to other cars on the road when aggressive drivers decide to act impulsively, switching lanes and cutting off other vehicles. This irrational behavior generally provides a dangerous atmosphere for every car on the road. Worst yet, many aggressive drivers don’t even realize when they’re being inconsiderate or dangerous. You might have aggressive driving behaviors that come out at various times when you’re behind the wheel. You could be stressed out or you could have had a bad day. These situations can lead to an increase in your auto insurance rate if they result in a ticket or claim against your policy. So, the best course of action is to curb your driving behavior before your premiums jump.

Sometimes, aggressive behaviors are very subtle. Drivers who speed and switch lanes without using their blinkers certainly endanger other drivers. Avoid these behaviors by paying attention to how you drive. It’s important to consider whether you’re giving other vehicles enough time to react when you go to switch lanes or take an exit. Additionally, it can help to avoid excessive speeding, even to keep up with the flow of traffic. A single citation on your record could result in a huge increase in costs the next time you go to look for auto insurance quotes. Also, get into the habit of looking at every road sign and reading it carefully. Doing so will help you to avoid potentially dangerous situations.

Drive defensively. This requires giving other drivers respect and room. Make sure you’re not following any cars too closely, and don’t suddenly try to pass a vehicle that’s not moving fast enough. Gradually increase speed – never jam on the gas pedal. This saves you gas, puts your car through less stress, and decreases the chance of an auto insurance claim. Always stay focused on the road, and know every driver around you. Use your mirrors often, and never assume that another driver is going to act in a certain way. For example, when a driver is turning, wait until his wheels turn, don’t trust his blinker, or you could drive straight into a collision.

If you are involved in an accident or issued a citation due to aggressive driving, call your insurer. Find out if you’re able to take a defensive driving course to get lower rates. These are often free, only take a bit of your time, and can save you hundreds of dollars over the course of a year. You’ll also pick up some more great tips that can help you avoid that next insurance claim.

Auto insurance is expensive, but you can minimize your premiums by curbing aggressive driving behavior.

Learning How To Read The Fine Print On An Auto Insurance Policy

All auto insurance rates vary, as do the conditions of each individual policy. Therefore, as tedious as it may be to read the fine print on your auto insurance policy, it is a necessary and important task for you to undertake. The reason it is so crucial to this is because, as a consumer, you need to fully understand the terms of the policy – it represents entering into a legally binding agreement with an auto insurance company. It is beneficial to clarify all of the terms and conditions up front rather than be surprised later by a technicality. Therefore, request the terms of an insurance policy at the same time as requesting an auto insurance quote so that you are able to understand exactly what you are paying for. Intimidated by all the strange vocabulary and insurance terms? Here are some tips you can use when reading through your auto insurance policy.

Some common terms in a policy require the consumer to report an accidental injury or death within five business days of the accident, require an injured person to provide evidence of injury due to an accident, and indicate that if a person is under the influence at the time of an accident, or does not observe proper traffic laws, the insurance company is not liable to pay. There are also several important items found in the fine print of a policy, including what happens if you lend your car to a friend or family member and they get into an accident, whether or not your insurance covers you if you rent a car, and circumstances that will increase your premium.

Generally, auto insurance policies state that the consumer is to pay a certain amount of money to protect oneself from financial loss in case of bodily injury or vehicular damage because of an automobile accident. The company will cover expenses as illustrated in the policy when any incident that is covered occurs. The logistics of how these benefits will be paid, as well as exceptions to the rule, are where the grey areas often occur within policies. That is why it is so important to fully understand your terms of coverage – in the event of an accident, you will be fully prepared to handle all claims.

Read through the entire policy and make note of any areas that seem unclear or confusing. Seek clarification from an agent in order to fully understand a policy; the agents are there to provide explanation and guidance. Auto insurance policies are complex documents that may require some time to understand. However, taking this time will be worth it when it comes time to file a claim.

How Do You Acquire Overseas Auto Insurance

If you are traveling abroad and planning on using a car as your primary transportation, it is imperative that you get sufficient auto insurance coverage for the duration of your trip. Meet with your insurance agent to discuss your travel plans in order to determine the proper amount of coverage for you and any other drivers. And, though most personal auto insurance policies do not usually provide international coverage, if you have an umbrella policy, you may already find you have worldwide coverage. It’s important to meet with your agent to discuss this, and the other options you have for overseas auto insurance.

Additionally, it’s imperative you consider getting breakdown and liability auto insurance coverage. Paying a relatively small fee for this type of overseas auto insurance is much more favorable than paying a heftier fee if your car gets damaged or breaks down. This will help you avoid major headaches. Something as minor as a fender bender could seriously damper your trip. Breakdown coverage includes towing, roadside assistance and some mechanical failures. Ensure that your liability coverage covers responsibility for any property damage or injuries you might experience as a result of an automobile accident regardless of who is your fault. Furthermore, liability coverage should also cover a rental vehicle.

The duration of your trip will also affect what type of overseas auto insurance will work best for you. For example, if you intend to travel a lot during the year, consider getting a yearly international policy, which will reduce the hassle involved with having to get a brand new overseas policy every time you hop on a plane. Additionally, obtaining a yearly international policy guarantees you will have a fixed rate on that policy for that year.

When it comes to overseas auto insurance, there is also the option of purchasing coverage at the rental car counter as opposed to from your insurance agent. Purchasing insurance at the counter of a rental agency is a good idea because paying for a loss damage waiver will lessen your liability. Although the loss damage waiver is not insurance coverage, it removes responsibility from your shoulders for damages or theft and places responsibility on the rental company. However, if you are at fault for damage, this waiver does not include liabilities to other parties. Additionally, it’s possible that by paying for your rental car with a certain credit card that the credit card company will offer you a certain amount of coverage as well.

Whichever route you go to obtain overseas auto insurance, just make sure you are properly covered in case of an accident. There is no need for your trip to be ruined just because you were ill prepared.

Auto Insurance Policies For Military Personnel

Members of the military perform strenuous jobs in order to maintain national security. Unfortunately, this danger level isn’t always reflected in their pay rate. Like every member of society, service members may have large families, be paying off student loans or have excess debt. Luckily, one of those added excessive costs doesn’t have to be auto insurance. Today, many insurance companies acknowledge the sacrifice that military personnel are giving for their country by offering discounts to service members. In addition to these discounts, military members can further save themselves money by exploring other discounts offered by insurance companies. Affordable auto insurance rates can be a help to anyone.

Families of service members may be currently working lower paying jobs due to having to be close to their spouse’s assigned duty station. It also possible that a member’s significant other is watching over the family – and their auto insurance coverage -alone while the service member is deployed overseas. In these situations, having low-cost car insurance that provides the proper amount of coverage can bring peace to a soldier who can’t be there all the time with their family.

When military members are seeking out auto insurance quotes, they can question agents about making sure coverage is adjusted properly. It may also be worth looking to see if the companies you are inquiring with have a separate inquiry process for military personnel. Having this available in the future can be helpful with problems that service members and their families commonly face, including frequent moves, address changes and deployments. Inquiring in this manner can also ensure military families get the best possible rate for the proper amount of auto insurance coverage. If a spouse is taking on this task, they can still make sure the family gets a discount by mentioning their military affiliation.

When determining coverage, it’s important to consider whether the service member will be overseas. If a military member is deployed, their vehicle in the U.S. will likely be left undriven, and therefore will require minimal auto insurance coverage. By making sure this sort of adjustment gets made, insurance rates can be dropped significantly. Avoid dropping insurance on that vehicle all together – though it may be tempting to save money. Even though the vehicle is not being driven, it may still be subject to damage that may occur where it is stored, or it may still be at risk of being stolen. Maintaining a certain amount of coverage is still vital.

Getting an accurate auto insurance quote doesn’t have to be difficult just because you’re a member of the military service. In fact, you might be in for some great money-saving discounts.

What Is The Job Of An Auto Insurance Field Adjuster?

The job of an auto insurance field adjuster varies from day to day. This job is a perfect choice for someone who wants to review evidence and make tough decisions. It’s a complex job that is made up of many parts.

The first is speaking to people who have auto insurance with the company that employs the adjuster to determine coverage. The adjuster wants to find out the story of a car accident from each person involved. The adjuster then will check with the police report for a more official version based on what the police offers who responded to scene saw and believed happened. The purpose of a police report is simply to determine who violated a traffic law and seems to have caused a crash. A field adjuster may find that both people held some responsibility for a crash, for instance, while the police typically fault one person or the other. Perhaps no one was speeding, but the field adjuster determines that speed still could have been a factor, or that not braking soon enough was a factor. The police report will include information, such as the length of any skid marks on the road, that will help the auto insurance company’s representatives determine the actual fault.

Field adjusters don’t just sit in their offices looking at reports, however. They go out ‘into the field’ to check out the site of the accident. Field workers will go through each version of the accident and recreate the events. Then they will look at the scene and determine which story seems the most plausible. This part of the job requires specific training to help the adjuster understand crime scene re-enactment. The adjuster needs to understand what happens to cars when they are hit from certain angles and how specific factors may affect the accident. This part of the job requires confidence in one’s judgment.

The final part of the auto insurance field adjuster’s job is to look at the cars involved in the crash. The representative needs to determine if the insurance company will reimburse the insured party for a portion of the car, or if they will total the vehicle and send a check for the value to the policyholder. The adjuster also may decide to go after the other party’s insurance company, and in this case, a good estimate of damage is required as well. Good adjusters will know how much various cars are worth and how to determine whether the cost of repairing the car is worth more than the value of the car itself. All of these factors matter when determining the ruling of an auto insurance company.

What Is Comparative Negligence In Auto Insurance?

One of the most important things you’ll need to understand about your auto insurance policy is the terms surrounding your claim payments. It’s critical to know what situations would prompt an insurance pay out on one of your claims, and how your state figures accident fault. Many states now use a method called comparative negligence to find who’s at fault in an accident. So, if your state uses comparative negligence, you should learn about the term before you’re involved in an accident.

When you’re involved in an auto accident, the party who had is said to have more fault in causing the accident is determined to be the negligent party when figuring who will pay for injuries and damages. Because this could result in some terribly unfair judgments, most states now use comparative negligence. In states with contributory negligence, if the injured party is even 1 percent responsible for the accident, they can’t recover any damages. In comparative negligence, an insurance company decides what percentage negligent each party was in the accident, and drivers are entitled to claims according to these figures. For instance, if you were 10 percent at fault for an accident, you could be financially responsible for approximately 90 percent of the damages caused in the accident.

In many states, 51 or 50 percent comparative negligence laws are used. These basically state that if a party’s negligence is over a certain number (50 to 51 percent), they’re not allowed to receive damages. If you get into an accident where you’re at 50 percent fault in a state with 50 percent comparative negligence, neither you or the other driver will be able to recover any damages – which is why many states opt to use the 51% number. A claims adjuster, who will negotiate with you and any attorneys that you’ve hired, figures the percentage of negligence. When percentage of negligence is decided, it’s submitted to the courts and your auto insurance company. Your auto insurance coverage then takes effect to pay any damages that you owe (other than your deductible and up to your limit).

As always, you should remember never to admit fault if you’re involved in an accident, and to follow the instructions on your insurance card. If you admit fault, you’re automatically 100 percent negligent, which will hurt you in court, so even if it seems obvious, never apologize or admit fault. You should read your auto insurance policy to see what type of coverage you have, and research your state laws to see whether you’re driving under contributory or comparative negligence. Knowing how your state’s insurance law works will be extremely vital if you do get into an accident.

The Details Of Comprehensive Physical Damage Coverage

Comprehensive physical damage coverage is one of the three auto insurance policy coverages that, combined with collision insurance, fire and theft coverage, and combined additional coverage, essentially makes up the physical damage auto insurance package. It works to protect your car in cases of theft, fire, windstorm, vandalism, glass breaking and a lot more. If you have this coverage, your auto insurance company will either pay to restore or replace the vehicle. Damage caused by collision with another vehicle or object is not included as it falls under another type of coverage. it is definitely something to pay attention to when examining an auto insurance quote.

Comprehensive physical damage coverage is vital if you really want your vehicle protected and secured against almost all types of damages – with the exception of collision accidents. Comprehensive insurance coverage is required if your vehicle is leased, but if it is wholly paid, comprehensive is not mandatory. Regulations regarding comprehensive coverage vary among states. In many states, not all vehicles are eligible for comprehensive physical damage coverage. And for these ineligible vehicles, the fire and theft with combined additional coverage can be purchased in lieu of the comprehensive coverage. With comprehensive coverage the insured is also required to get a deductible. The more money you shell out for the deductible, the less insurance premium you will have to pay.

Though your vehicle will be protected against many types of damages, several policy exclusions must be noted when purchasing comprehensive coverage. For example, if the vehicle is destroyed or confiscated by the government authorities due to a family member’s involvement in an unlawful activity, the coverage won’t be viable. Other exclusions are stereos, radios, tape decks, CD players or other electronic apparatus that are not permanently set-up; also. This also includes other electronic gadgets like telephones, two-way radios, personal computers, scanning monitor receivers, discs and tapes or some other medium utilized in conjunction with other electronic gadgets. In addition to electronics, various other articles of furniture will likely not be covered due to their temporary relation to the car. These may include, furniture, extraordinary carpeting, cooking and sleeping facilities, paintings, a trailer or a camper body that is not included on the declaration page of your auto insurance policy, and cabanas, awnings or devices intended to build extra living amenities.

It should be noted that not all auto insurance companies and auto insurance coverage are the same. It is vital to thoroughly study different features of each company, shop online and research more on the particular auto insurance coverage you are thinking of purchasing. Carrying comprehensive insurance coverage will make it easier for you to deal with misfortune when it befalls, when the unexpected happens or when your vehicle is left to the mercy of forces beyond your control.

Adjusting Auto Insurance Coverage For Vehicle Depreciation

As most people are aware, many factors go into determining what a auto insurance company charges you for your auto insurance policy. And, every time you reevaluate your auto insurance coverage – which should be done about once a year – each of these factors is changing. One that changes with every mile you drive is your car. Your car continues to depreciate every time you get on the road. This will ultimately affect your auto insurance.

Vehicle depreciation is the market value decline of the vehicle in dollar amounts. There are a number of ways an auto insurance company goes about determining the depreciation of your car. This not only done to adjust your auto insurance rate, but also so they know the value of your car in case an accident causes them to have to ‘total’ out your vehicle. The first method is the straight line method. According to, this method is defined as ‘ calculated by taking the purchase or acquisition price of an asset subtracted by the salvage value divided by the total productive years the asset can be reasonably expected to benefit the driver.’ So, if you bought a $20,000 car and figured all the parts would be worth $10,000, you’d divide that by the number of years you thought it would be useful to get the value. The accelerated depreciation method takes into consideration that as the years go by, the performance of the vehicle diminishes, and therefore the value does as well. This equation will take more into account how old the vehicle is, as opposed to focusing primarily on the monetary value.

One way to protect yourself against the effects of depreciation is to purchase a vehicle that has a high estimated resell value. If you can purchase a vehicle that will hold it’s value longer, depreciation will be less of a worry. In addition, you can also purchase gap auto insurance when you purchase a new vehicle. When you purchase a new car, you take out a loan to cover the amount it cost. Unfortunately, the minute you drive off the lot, that car is worth significantly less than you paid for it. So, if you get in an accident, your auto insurance will pay you the value of the car – which will ultimately be too little for you to pay off the loan. Gap auto insurance will pay off the remainder of the loan after the initial payout, preventing you from having to pay off a loan for a car you can no longer drive.

Car depreciation is an unfortunate reality. Discuss with your auto insurance agent how you can prevent this from effecting your auto insurance rate.


World’s Most Expensive Cars: Bugatti Veyron

Which expensive car is driven by celebrities Tom Cruise and Simon Cowell? What car is named after the racecar driver that won the 1939 24 Hour Lemans Race? Which car has the fastest acceleration time – going from 0 to 60 in 2.6 seconds? If you answered the Bugatti Veyron to all these questions, you are indeed correct.

As the priciest legal streetcar on the market today, the Bugatti isn’t for every driver’s bank account. The current sticker price is $1.7 million. Part of this is what is under the hood, the other part is the rarity of the vehicle – only 300 Bugatti Veyrons will be produced. If you are fortunate enough to be on the market for one, prepare for rigid requirements. Select qualified buyers must wire a $360,000 down payment to the Bugatti bank in France to just put a reserve on the car. Bugatti then runs the purchase application through a thorough background check by a French Security firm to ensure you can afford the remaining $1,340,000 – or more – which will be due when the car is completed. Buyers are also responsible for shipping charges from France, which average around $40,000. Even with these exacting purchase standards, by the end of 2008, over 200 Bugattis had already been sold, leaving fewer than 100 left for purchase.

The Bugatti Veyron is not only the most expensive car in production today; it is the ultimate display of success. The two passenger, all-wheel drive, grand touring coupe is complete with equipment that costs more than 80 percent of the off-the-lot cost of cars driven everyday around the world. The Veyron’s Burmeister sound system alone costs $50,000. Add to that custom tires hailed as the largest passenger car tires ever produced at a mere price of $50,000 and you begin to see why the Bugatti Veyron is so pricey. This is not including the costs of the Lear-Jet like cabin, suede trim, all leather seats, the PDA that loads vehicle data through a Bluetooth interface and seven-speed direct shift gearbox.

The Bugatti Veyron looks as if it were designed by an artist rather than engineers. With its torpedo like shape made of carbon and aluminum, owners of this expensive car will definitely garner attention. Unfortunately, like great artwork, insuring the world’s most expensive car also calls for expensive car insurance. Car insurance rates for the Bugatti Veyron vary, but expect to pay more than you do for your house payments.

The Bugatti Veyron is definitely not for everyone. Even the celebrity of car aficionados, Jay Leno, despite being awed by the impressive transmission told reporters the Bugatti, was a little too bling-bling’ for him. Not for Tom Cruise and Simon Cowell.

World’s Most Expensive Cars: Ferrari Enzo

The car that bears the name Ferrari Enzo Ferrari is a car with a pedigree. Enzo Ferrari, the man who gave his name to both the company and the latest super car, didn’t begin racing as a way to showcase his cars. Instead, he began selling cars to finance his racing. Since his racing team’s inception in 1940, Ferrari has won 210 races and 16 Formula One Grand Prix World Championships – more than any other team in F1 history. What you get with the Enzo is the singularly special, spectacularly highbred exotic super car directly related to that success on the racetrack.

The Enzo’s links with the Formula One Grand Prix cars are clear. The pointed nose and the odd-angled fenders give the car a grand-prix-car-with-bodywork appearance. The sides of the car are wind-tunnel-shaped to keep drag to a minimum. Parts are made of racing-bred carbon fiber and Nomex, keeping the weight light and keeping in lockstep with the racing bloodline. Coupled with a man-eater of an engine, the car boasts a top speed of over 217 mph. At the same time, as a system of flexible mechanical components and wings, the aerodynamic load and balance can be modified for high down force cornering at lower speed.

The Enzo’s engine is a monster six-liter, 12-cylinder with F1-type combustion chambers. It breathes like an athlete, with extra intake and exhaust ducts to maximize exhaust combustion speed and exhaust efficiency. Mounted mid-engine, it is not turbo or supercharged, but has variable timing for a super-wide power band. With 660 horsepower, the Enzo will accelerate from 0 to 60 mph in 3.3 seconds. Gear changes are, again, F1 inspired, using an electrohydraulic racing system. Tap the gearshift lever without moving your hands from the steering wheel, and change up or down a gear in 150 milliseconds. And, as with an F1 car, the Enzo’s steering wheel also features six controls that govern, among other things, sport or race display configuration.

The Enzo was introduced at the 2002 Paris Auto Show, and remained in production from 2003 to 2005. It was to be a 349-unit production run. But every car was sold before production even began. So Ferrari offered another 51 cars, with that final vehicle reportedly auctioned by Sotheby’s in 2009 for almost 1.3 million dollars – making it one of the world’s most expensive cars. The car sold as late at 2009 for almost exactly the same price, making auto insurance, well, slightly more expensive than a normal Ferrari. Pundits expect prices to continue to rise, as the legendary car – like its namesake – continues to attract attention. If Ferrari is the king of the race-car-turned-street car, the Enzo is the king of all Ferraris.

What Is Diminished Value?

After a car has been damaged in an auto accident, it has less value. If you try to sell the vehicle after it has been damaged and repaired, you will receive less money for it. This is also referred to as your vehicle’s diminished value. Research shows that people who buy cars that were involved in an auto accident expect to pay less money for them. In addition, the cost for auto insurance coverage usually increases with previously damaged vehicles. Furthermore, people automatically assume that the car is not in perfect condition anymore, and it might cost them money down the road with repairs. Another concern is the parts used to repair the vehicle after the accident. Sometimes, repair shops do not use parts from the manufacturer, so people assume that the car will not function as well, or it will need to be repaired again in the near future. As a result, the seller risks losing money when someone buys the vehicle. Keep in mind that the seller is obligated to tell the buyer about the car’s history. It is illegal to withhold that information when selling a car.

There are many different factors that play a role when deciding how much a vehicle is worth after being involved in a car accident. This includes the age of the car, the total number of accidents, the vehicle’s condition before the auto accident and mileage. The extent of the car’s damage also affects the value. An expert would be necessary to assess the car’s value after the automobile accident.

Please note that you may be able to collect payment for the car’s diminished value. For example, if someone hits your car, you would file a third party auto insurance claim with that person’s auto insurance company. You can request payment for your vehicle’s diminished value. You can check with his auto insurance provider, because the laws vary in each state. Sometimes, it is difficult to receive payment for the car’s diminished value. Some auto insurance companies have stated that they might have to increase auto insurance premiums to make up for the loss of diminished value claims.

If you have been involved in a car accident and you are interested in filing an auto insurance claim, you can contact a lawyer that has experience with diminished value claims. He will advise you on what you can do. However, in most states you will be able to file a claim with the third party auto insurance provider. Keep in mind that you should file the diminished value claim after the car has been repaired, with the payment you received from the auto insurance provider.

Rare Cars: Review Of Albar Sonic Gt

The Albar Sonic GT, one of the world’s rarest cars, was designed and built in Nidwald Switzerland by Alois Barmettler and marketed by Albar Cars of Germany.

Alois Barmettler began making Albar cars based on the Volkswagen Beetle frame. He first became famous for his 1970s beach Buggy that featured fins and air dams. While based on the VW Beetle body, the buggy also had Porsche 2.4 L power. Barmettler is also responsible for the Jet model in the early 80s. This model was more practical and included four seats and a more common Ford engine. In 1982, he created a coupe style car using a Volkswagen Straight-4 or Renault 25 engine, six headlamps and a targa roof. Based on Volkswagen running gear and coupe body design, this became the Albar Sonic.

Rare cars are often featured in movies and television, such as the DeLorean in Back to the Future, and usually become famous and popular because of their silver screen appearances. The 1986 movie Killing Cars,’ known as ‘Blitz’ in West Germany, is responsible for making the Albar Sonic GT famous. In the movie, Ralph Korda invents an automobile that does not run on gasoline. According to the Internet Movie Database, he hands over his patented world car to the German testers who, along with Arab petroleum lords, try to steal his patent. ‘The ‘ Korda World Car’ was in fact a heavily modified ‘Sonic GT’.’

Auto insurance for an Albar Sonic GT should be obtained from a classic auto specialist. A classic car insurance policy will provide the best coverage at the best price. Classic car policies offer an annual mileage limit, are based on the actual value of the car and provide additional coverage during restoration, at auto show events, while in the repair shop and during shipping. A standard policy generally will not have the best policy price and the car may be seriously underinsured. Standard policies do not account for the time and financial investment involved in owning a rare vehicle and assumes that the vehicle depreciates in value over time. While this is generally true for regular everyday vehicles, rare and classic vehicles increase in value over time based on the care it has been given. The world’s rarest cars should be protected with the best auto insurance policy available.

While Men’s Journal lists the Phantom Corsair as the world’s rarest car – being as only one was ever made in 1938 – the Albar Sonic GT is definitely among some of the rarest. While many companies worldwide and online specialize in buying and selling rare cars, it would seem impossible to find such a rare car as the Albar Sonic GT.

Rare Cars: Phantom Corsair

The 1938 Phantom Corsair, one of the world’s rarest cars, boasted a sleek, aerodynamic style. It was described as a cross between an 810 Cord and a killer whale.’ This car, in addition to being rare, has a history steeped in Hollywood and celebrity. Its futuristic look, making it resemble a crime fighter’s car, is rumored to be the inspiration for the Batmobile. In addition, it was billed as the ‘Flying Wombat’ in the 1938 Hollywood comedy ‘The Young In Heart.’ It made its appearance at the 1939 World’s Fair. Currently, this rare beauty makes its home at the National Automobile Museum in Reno, Nevada.

The Phantom Corsair was the brainchild of California automobile designer and Heinz Relish Company heir, Rust Heinz. He was helped by Maurice Schwartz of Bohman, Schwartz Coach Co. of Pasadena, Calif. Heinz began his design career, by laying the plans for a delivery vehicle for the family company. Shortly after this, he came up with the idea for his dream car, the Phantom Corsair. Heinz and Schwartz assembled the prototype at the price of $25,000, a cost equivalent to $300,000 today. Heinz planned to produce the car on a small scale with the sticker price of $12,000. However, his vision never came to fruition. In 1939, at the age of 25, he was killed in an automobile accident. His car was the only one of its kind.

Despite a chassis based on a 1936 Westchester sedan, the Phantom Corsair showcases a sleek, seamless aerodynamic style. The body, which stands 58 inches high, is constructed of steel and aluminum. It has a wheelbase of 125 inches, is nearly 20 feet long and weighs approximately 4500 lbs. It has unique features for its day, such as a green-tinted windshield and covered headlamps. Electronic buttons found on the outside of the car and the interior instrument panel operated the gull-wing style doors. Separate hydraulic bumpers allow the Corsair to drive smoothly, with the ability to withstand impact. The interior of the car features an instrument panel containing many dials and gauges, making it look futuristic for the time, and making it obvious why someone would consider it a model for a superhero’s car. And, its engine was another obvious reason. The weighty car was powered by a Lyconing V8 engine that kicked at 190 horsepower, resulting in a top speed of around 120 mph. In addition, the front-wheel drive in the car gave the driver maximum control. The Corsair was outfitted with four drum brakes to insure driver ultimate stopping power.

With only one model complete, the Phantom Corsair is easily one of the world’s rarest vehicles and definitely one worth going to see in Reno.

How To Settle An Auto Insurance Claim Quickly

Settling an auto insurance claim quickly might sound impossible, but it’s not. There are people who can help you, and there are steps that you can take to get your claim resolved without a lot of hassle.

First, you should always make sure that you have your auto insurance card with you. It should be in your vehicle. Some people keep their card in their wallet, but if you have the insurance card in your wallet and your spouse is driving the car, it could be a problem if he or she is in an accident. It’s hard to get an auto insurance claim addressed quickly when you’re dealing with a proof of insurance ticket. It can slow the process down and make you appear careless and guilty – which can call into question whether you were at fault. You don’t want to have to deal with that, because it can make your auto insurance rate go up.

Rather than see those higher rates, make sure that you’re complying with what’s required of you through your insurance company and through your state and/or local regulations. It’s one of the ways that you’ll get your claim settled more quickly. Unfortunately, you can’t always control what the other person involved in the accident does. In other words, you could do everything right with your insurance and still have your auto insurance claim held up because the other party doesn’t have the proper coverage. This can be especially true if the other party was the one who caused the accident. Insurance problems on their end could hold up your claim, causing frustration and anxiety. The only advantage there is that your auto insurance rate wouldn’t be going up. If you’re in the unfortunate circumstance of being hit by someone who doesn’t have valid insurance, you can expedite your auto insurance claim by filing with your own insurance company to get your car fixed.

Your auto insurance rate shouldn’t go up if you weren’t the one at fault in the accident, but it may if your auto insurance company still had to pay a claim on your policy. It’s worth considering how bad the damage is to your car and whether it’s still drivable. Is it necessary to file a claim? Also, keep in mind that your policy won’t cover the repairs on your car if an uninsured driver hits you unless you have collision coverage. Uninsured motorists’ coverage is for medical bills only.

Work with your auto insurance company on any kind of claim that you’re involved in and be willing to provide all requested information in a timely manner. It’ll help you get your claim settled quickly.

How To Determine If Commercial Car Insurance Is Right For You

Whether commercial car insurance is something you should consider depends on how you use your vehicle. If you own a company and you drive while on the job, commercial auto insurance may be worth having. In other words, your standard auto insurance coverage will protect you when you’re driving to and from work, but it may not protect you if you’re driving for work. A lot of people overlook that serious distinction. Usually, it’s not much of a problem. If you’re in an accident, though, your auto insurance may not cover you if you were driving in a work capacity at the time that the collision or other problem occurred – and that can be true even if the accident wasn’t your fault.

Checking with an insurance agent is the best and safest way to know for sure whether you need commercial auto insurance. However, if you don’t drive your vehicle for work, you probably shouldn’t worry about it. Your coverage is generally enough to cover you if you run out of the office for a few minutes to pick up something. Even though you were buying something for work, you weren’t really using your vehicle as part of your normal workday. Commercial auto insurance applies more to people like sales representatives who use their vehicles for work all the time. They need to be properly covered in case they are involved in a collision.

When you get a job where you’re working for someone else and driving one of the company vehicles, you shouldn’t have to worry about commercial auto insurance either. If it’s a company vehicle, the auto insurance is the responsibility of the company, not the employee who’s driving the vehicle. It’s always a good idea, though, to make sure that there is valid auto insurance coverage on any vehicle that you drive. Check the glove compartment for the insurance card, and make sure that it’s not expired. Even though the insurance is not your responsibility, it’s still good to be careful. Don’t be afraid to ask your boss about valid commercial auto insurance for any car or truck that you drive for work.

On your own vehicle, commercial auto insurance can involve some different things and specific requirements, so getting all your questions answered first is a good idea. There’s no point in buying a lot of expensive coverage for commercial situations if you don’t really need it. On the other hand, you don’t want to buy standard auto insurance and find that it’s not enough when you’re involved in an accident. What kind of business you use your car for will generally dictate whether you need commercial auto insurance.

How To Be Prepared For A Hit-and-run Accident

No matter how safely you drive, or how much auto insurance you have, you can still be the victim of a hit-and-run driver. While there’s no way to foresee a hit-and-run accident, there are ways to protect yourself through auto insurance coverage. Most drivers are prepared for a typical car collision, where one or both drivers’ auto insurance covers the costs of damages and injuries. However, in the case of hit-and-run accidents where the driver at fault leaves the scene, the victim of the accident is the one who’s left to pay.

One way to protect yourself from the potential devastation of a hit-and-run accident is by adding uninsured motorist coverage to your auto insurance policy. This kind of auto insurance coverage not only pays for the damage, injuries and lost wages that may result from a collision with a driver that is uninsured (or underinsured) but it also covers collisions with hit-and-run drivers. This type of coverage is not mandatory in every state so it’s often up to you, the insured, to choose to have it on your auto insurance policy. The small amount you invest in uninsured motorist coverage can save you literally thousands of dollars in the event of a hit-and-run accident. It will also cover your injuries if you are a pedestrian victim of a hit-and-run driver.

It is also helpful to add replacement rental car coverage to your auto insurance policy. This insurance coverage helps to lessen the impact on your everyday life after a hit-and-run accident by paying for a rental car while you your car is repaired or replaced. This coverage ensures that you aren’t burdened with the unexpected expense of days or weeks of a car rental. This coverage costs only a few dollars a year – often less than the cost of a rental car for a single day – and is money that will give you the peace of mind of knowing you’ll have reliable transportation when you need it.

If you already have uninsured motorist and replacement rental car auto insurance coverage, it’s important to review these coverages carefully to familiarize yourself with the amounts your policy covers and what deductible amount you will be responsible for. Make sure you have adequate coverage for the full replacement cost of your vehicle, property damage and medical treatment for yourself and any injured passengers. If your coverage amounts are low, now is the time to purchase more insurance so you’ll have adequate coverage if you need it.

Hit-and-run accidents are an unexpected fact of life. The only way to prepare yourself from them is to have proper auto insurance coverage.

Can Certain Driving Habits Save You Insurance Money?

How you drive might be costing you money on your auto insurance premiums. Obviously, that makes sense from the standpoint of tickets and accidents. However, there are driving practices that can affect how much you pay for auto insurance in other less obvious ways, as well.

The average mileage put on a car is between 12,000 and 15,000 per year. But, what if you don’t use your car much, and you only drive 5,000 each year? There are auto insurance companies that will give you a lower auto insurance rate because of this. The rationale behind it is that you are less likely to get into an accident or have some other type of driving problem if you aren’t on the road as much – a bonus to insurance companies. Driving a safer car can get you a lower auto insurance rate, too. This is because the likelihood of you filing auto insurance claim will be low. And, if you do have a claim, it likely won’t cost the company as much, so the savings can be passed on to you through lowered premiums. That’s great news to the careful drivers out there who don’t speed and who have safety features like air bags and alarms in their cars. Of course, many people who drive older cars without these features are just as careful, but they won’t be eligible for some of these discounts.

Also whether you drive your car for work or for pleasure can determine your auto insurance rate. Insurance companies always ask this. It’s important for them to be aware of what you’re doing with your car, so they have a good idea of what your risk factors are for an auto insurance claim. If you’re commuting 30 miles each way, five days a week in heavy traffic, you’re more likely to have a higher auto insurance rate than someone who drives his car for pleasure on the weekends, all other things being equal.

Where and how you park your car factors into auto insurance rates, as well. On-street parking is more dangerous and there is a higher chance of your car being stolen or someone hitting it with another vehicle. If you park your car in a garage at night, your insurance company will generally give you a discount for that, because there is a lower chance of loss. You’ll see a lower auto insurance rate than the person who has no garage and must park on the street.

A lot of people don’t think about these little nuances of owning and driving a vehicle, but these kinds of things can all matter where auto insurance claims and auto insurance rates are concerned.

Five Questions To Ask To Save On Auto Insurance

Auto insurance premiums can be extremely high; however it’s important that you are aware that you may be able to lower yours. The best way to save on insurance and lower your auto insurance rate is by asking yourself and the insurance company five specific questions.

The first question is the most important: What coverage do I really need?’ There are many difference types of coverage available. Each state has a minimum that is required by law. Find out what this minimum is, and then decide if it is enough for you when shopping for an auto insurance quote. Some lenders also require additional coverage. By knowing what the state requirements are, you can lower your auto insurance rates by asking for the minimum coverage. Once you determine exactly what coverage you need, the next question to ask is regarding the deductible: ‘Can I lower my rate by asking for a higher deductible?’ The higher the deductible, the lower your premium. You will pay more out of pocket in the event of an accident, but your overall insurance rate will be lower.

The next question is one that is often overlooked by many people: ‘What auto insurance discounts do I qualify for?’ Many people qualify for discounts they are unaware of. Several agencies offer auto insurance discounts for being a long-term customer, paying your premiums on time, defensive driving and safe driver courses, low mileage use, home and work location, good driving record and safety feature installation. You may also see if there is a discount for paperless billing and making payments online. Quite often there are also discounts available for organization memberships, such as AAA or other roadside assistance programs. Always ask for a list of membership organizations offering discounts, as well as other discounts the company offers.

Do you have other insurance needs as well? Ask yourself, and the insurance company ‘Can I save on auto insurance by combining all my insurance needs?’ If you have more than one vehicle needing coverage, you may be able to obtain a discounted rate for insuring multiple vehicles together. Likewise, you may be able to save even more if you obtain your renters or homeowners insurance through the same company. By combining all your insurance needs into one bundled package, you are likely to save even more. The one thing you must remember is that not all insurance companies are created equal. You need to ask yourself ‘Can I save more by going somewhere else?’ A different company may have a different deductible or offer more discounts. Or, a different company may offer the same discounts, coverage and services at a lower rate.

By asking the right questions, you can receive more discounts and a lower auto insurance rate.

How The Economy Is Hurting The Sales Of Hybrids

Despite the fact that hybrid vehicles promise to decrease gas costs – and their drivers’ carbon footprint – their initial, higher price tag, among other things, is making them a hard sale. In 2008, the sales of hybrid cars dropped 10 percent. Of course, with car sales in general falling in a slump, the economy is one of the first things to blame.

Hybrid vehicles aren’t inexpensive. The two most popular hybrid cars, the Toyota Prius and the Honda Insight, don’t come with small price tags. The 2010 Prius comes with a manufacturer’s suggested retail price of $22,400 to $27,670, depending on the model. The 2010 Insight comes with a price tag of $19,800. In today’s economy, consumers aren’t as likely to spend as much money – even for hybrid vehicles. With jobs being unstable and life costs on the rise, it’s difficult for people worried about these factors to justify buying a pricey car.

These consumers might be a bit shortsighted. Hybrid cars may cost more upfront, but they can bring significant savings to their wallet over the long haul. These cars get incredible gas mileage, meaning that their drivers will be spending less money at the pump. Hybrids are also famous for their reliability – drivers will also spend fewer dollars on maintenance and upkeep. But even more significantly, drivers may spend less on auto insurance if they own a hybrid vehicle. In 2005, the Farmers Insurance Group of Companies became the first auto insurer to offer consumers a discount for driving hybrid vehicles. The company reduced auto insurance rates by 5 percent for those drivers who owned hybrid cars. Early the following year, Travelers Insurance Company also reduced auto insurance rates for hybrid owners, dropping them by 10 percent. Today, most auto insurers offer their own discounts on policies taken out by hybrid owners. It’s a great way for the owners of these fuel-efficient cars to save a significant amount of money.

While the economy may have slowed the number of sales of hybrid vehicles there are several reasons to believe that this is only a temporary decline. For one, hybrid cars are kinder to the environment, and a growing number of consumers are interested in practicing green’ living. A hybrid vehicle, which consumes less gas, helps them achieve this goal. Secondly, hybrid owners in general report that their vehicles drive well and require little maintenance. This combination will ensure that more drivers in the future will turn to hybrid cars. Finally, the government is pushing automakers to increase their production of fuel-efficient cars. Automakers will be certain, then, to continue promoting hybrids heavily.

It’s safe to say that once the economy is back on its feet, hybrid sales will be as well.

World’s Most Expensive Cars: Lamborghini Reventon

Inspired by the F-22 Raptor fighter jet, the Lamborghini Reventon is an expensive car that costs almost as much as the jet itself. With a price tag of $2.5 million, owning a Reventon means you are one of the 20 select people in the world who flies when they drive – 11 of which are in the United States. This limited edition masterpiece is unrivalled in price, craftsmanship and performance – justification for the high cost.

President and CEO of Automobili Lamborghini, S.P.A Stephann Winkelmann states, The Reventon is the most extreme car in the history of the brand – it unites superior performance with the sensual fascination of open-top driving.’ Indeed it does. The breathtaking design is formidable in its appeal. The engine hood is made of glass laminate with carbon fiber ventilation slits that not only give the engine more cooling power, but allow the observer a glimpse into the massive 6.5 liter V12 engine. The robotic gearbox ensures each shift is faster and cleaner. Just the slightest thrust on the accelerator sends the driver from 0 to 60 in 3.5 seconds. This thrust is also one of the reasons you will also pay a premium price in auto insurance. If you have a fear of flying and high auto insurance rates, you might want to think twice before getting behind the wheel.

The interior of the Reventon evokes the feel of an expensive low-seated fighter jet cockpit – a very lux cockpit that is! The interior is an opulent mixture of black or brown leather, Alcantara, aluminum and carbon fiber. But, the instrument panel is the dazzler. The panel is like a virtual control tower with two distinctive display modes housed in a solid aluminum block. By the simple push of a button, the driver can switch from the standard circular instrument panel to the futuristic liquid crystal display. One of the displays is a G-Force Meter, which works to measure dynamic drive force, longitudinal acceleration during acceleration and braking and transversal acceleration around corners. These forces are indicated on a 3-D grid.

There is only one color option for the Lamborghini Reventon – matte gray. This mid-opaque gray was exclusively designed for the world’s most expensive car to reflect light in a depth-defining way. Anointed ‘Reventon Gray,’ the color was created using matte gray paint imbued with special metal particles. The effect in the sunlight is like observing the wing of a jet from the window seat. Speaking of wings, they are incorporated not just in the design, but also in small touches throughout the car. From the wings on the wheels to the wing vision of the car doors opening, your imagination and senses will take flight in a Lamborghini Reventon.

Uninsured Motorists To Continue To Increase Through 2010

There has been an upsurge lately in the number of motorists driving without insurance, and this increase is expected to continue through 2010. A study conducted by the Insurance Research Council estimates that one in six drivers has either let their auto insurance coverage lapse or was never insured in the first place. The likely explanation for this increase is the poor state of the overall economy and the high unemployment rate in the country. When people are struggling to pay their bills, auto insurance premiums seem like an expense that can be avoided. Unlike failing to pay an electric bill, which will result in the loss of a vital service, struggling motorists assume that not paying for auto insurance will have no immediate consequences. For some, this is indeed the case. But for others, the disposing of auto insurance coverage can be considerably more costly than simply paying their bills.

There are severe legal penalties for driving without insurance. If you are pulled over by a police officer, he will automatically ask to see proof of insurance. If you do not have coverage, he will issue you a ticket. Fines vary from state to state, but they can run as high as $500. In addition, many jurisdictions will impound your vehicle if you are caught driving without a license, especially if you are deemed likely to continue driving without coverage.

If you are involved in an accident while driving uninsured, you will be considered personally liable for any damage that you cause. Your home or any other assets you possess will be at risk if you do not have enough cash to pay for damage to property or other people, both of which can be extremely expensive. If you are married, your spouse's property will be at risk as well. On top of this, you will bear the psychic burden of having impacted the lives of others without being able to take responsibility for the consequences of your actions.

The cost of auto insurance premiums for drivers who do purchase coverage also rises with the growing number of uninsured motorists on the road. The typical policy now includes coverage for damages caused by an uninsured motorist. This feature is part of the typical auto insurance package simply because there are so many drivers on the road without insurance. It makes sense to be protected in the event of a collision with one of them. But when insurance companies find themselves with so many claims that the financial viability of their operations grows threatened, they begin to raise their rates.

Driving without insurance may seem like a short-term fix to your personal cash flow concerns, but it is sure to have long-term consequences.

U.S. Auto Insurance Market Veers into Underwriting Loss in 2009

The challenges facing the U.S. auto industry throughout 2009, with pressures ranging from the near-collapse of both General Motors and Daimler-Chrysler to various stimulus programs that have attempted to accelerate sales, have received significant attention. A tangential, yet equally important, byproduct of this battle is the fact the auto insurance market is likely to realize an underwriting loss for the year. Faced with lower premiums and higher loss costs, according to FitchRatings’ Auto Insurance Overview, the industry is experiencing the same economic downturn that is affecting the whole economy.

While the increase in loss costs is somewhat expected on a year-over-year basis — as cars become more expensive to repair, labor costs rise and newer cars replace less expensive older cars — the decrease in premium revenue is the direct result of the economic slowdown. At the heart of this issue is the decrease in auto sales – new cars command higher insurance premiums than older cars and net a better return to the insurance companies. As early in the year as January, Reuters was reporting that auto sales in the U.S. were expected to fall by 13 percent, reaching the lowest levels in 27 years — these numbers have worsened since those projections.

The “Cash for Clunkers” program had some impact on accelerating car sales, enticing buyers who may have chosen to wait to buy a new car sooner. However, the crunch felt by the consumer is undeniable. The program was short in duration and may have only been successful in keeping the level of new car sales from decreasing to even lower levels, rather than having a significant impact in boosting sales. Consumers are being more selective with their decreasing levels of disposable income, significantly slowing the rate of new car sales.

Also adding to the decreased underwriting levels, as noted in the same Fitch report, is increased price competition. As insurance companies must fight harder for each dollar, they have been unable to increase auto insurance premiums sufficiently to keep pace with the lower rates they receive on the older vehicles they insure. Furthermore, as consumers are increasingly drawn to the low-cost provider over the high-service provider, online-centric companies have been able to increase their market share and have continued to drive down the overall level of auto insurance premiums. In the current economic environments, pricing power has been decreased across the board, forcing companies in general to be more competitive. With inherently increasing costs, the industry faces a year in which costs will outpace revenues.

The combination of falling revenues — driven by lower new car sales and increased price competition — and rising cots, make it likely that the auto insurance market will report an underwriting loss for 2009.

Shopping Around For Auto Insurance Gives Leverage With Current Insurer

Auto insurance rates have been on the rise. Much of this has to do with the state of the economy and the increasing costs of claims for insurers. State, provincial and federal governments have considered initiating certain programs to help curb the costs for insurers and drivers. In the meantime, many drivers have considered shopping around at different car insurance companies for better premiums. This can be a great idea, especially if you have problems with other aspects of your auto insurance coverage or the customer service of the program that you're currently using. Doing a bit of comparison shopping can save drivers a lot of money in the long run.

The auto insurance industry is extremely competitive, and insurance companies do everything they can to get and keep new policyholders. Switching insurers can get a driver exclusive auto insurance rates that they might not have otherwise received. In this case, their new insurance company will offer a better auto insurance quote in order to "steal" business away from a competitor. Other than this, there's simple competition to take into account. You've got a better chance of finding cheap auto insurance quotes by looking at 12 companies than you'd have by simply looking at one, so drivers are making a good decision to compare a few auto insurance rates every once in a while.

However, there are advantages to staying with your current auto insurance company. That company has immediate access to your driving records, and many offer loyalty discounts. These factors may allow you to simply negotiate a better rate by calling them. Sticking with a single insurer may also help build your insurance score, making you more valuable to insurance companies if you should choose to switch in the future. If you've got an auto insurance company you like, it may be best to do a bit of comparison shopping to use as leverage. Call your insurance agents with the results of that comparison, and try to talk them into a lower rate. Never be afraid to switch your auto insurance policy to another company if you've received a better quote for the same amount of coverage. Switching insurers may be the best way to save money.

Taking a look at your auto insurance rate every few months is a good way to keep your costs in check. You should especially look towards other insurance companies if you suddenly have a premium hike that you didn't expect without good reason (no claims or traffic citations on your record). The Internet makes comparing auto insurance quotes easy, and it's worth a few minutes of your time to make sure you're not paying too much for your auto insurance coverage.

Safe Roads Alliance Partners With Auto Insurance Provider To Reduce Cell Phone Use While Driving

The auto insurance provider Safety Insurance has announced that it is teaming up with the organization Safe Roads Alliance in an effort to encourage drivers to hang up their cell phones while driving. By teaming up with them, the two companies will instigate the Bucks for Hang-Ups’ campaign. Through this program, volunteers will be posted at busy intersections in towns and cities in eastern Massachusetts. When they see drivers who are stopped at traffic lights or stop signs and are texting or talking on their cell phones, the volunteers will approach them and offer them each a dollar in exchange for hanging up.

The Safe Roads Alliance is a nonprofit organization founded in 2007 for the purpose of educating drivers and promoting safe driving habits. They offer educational presentations to high school students and their parents about emergency driving skills. They also target outreach towards groups such as seniors, educating them about the unique issues that they face as drivers. Safe Roads Alliance aims to raise awareness about a range of issues affecting vehicle safety, from vehicle maintenance to proper use of seat belts and child seats. Safety Insurance is one of the largest auto insurance providers in the state of Massachusetts, offering a range of products and consistently receiving positive ratings from reviewers.

The groups’ combined effort to encourage drivers to hang up their cell phones targets a hazardous, yet commonplace, activity. Drivers talking on cell phones are more likely to be involved in accidents than drivers whose blood-alcohol content exceeds the legal limit. Each year in the United States, 2,600 people die as a result of cell phone-related distraction. An additional 330,000 are injured. According to the 2005 National Occupant Protection Use Survey, at any given moment during daylight hours, there are likely to be 974,000 drivers talking on cell phones while driving their cars.

It is unlikely that a $1 incentive in itself will cause many drivers to permanently change their driving behavior and cell phone use. Critics might argue drivers could pocket the money and resume their conversations as soon as they pull away from the intersection. Although this could certainly be the case for some of the people who accept the money, it is also possible that drivers will take the opportunity to reflect on their habits and ultimately change their behavior. For many cell phone users, talking while driving has become a matter of habit, and they barely think about the fact that they are doing it. One can only hope that the sheer strangeness of the experience can provide some impetus for drivers to hang up and refrain from answering the next call.

How To Save Money On Auto Insurance Without Cutting Corners

According to, there were 6.4 million car accidents in the U.S. in 2005, costing drivers more than $230 billion and injuring 2.9 million people. This shows that if you are going to drive a car, you're going to need auto insurance. It's a way to protect you and the passengers in your car from unnecessary medical and repair expenses if you are in an accident. But finding the right auto insurance can be confusing and costly. There's liability insurance, collision insurance, comprehensive insurance and uninsured/underinsured motorist insurance. Then you've also got deductibles, premiums and add-ons to consider. Here are some ways to cut down the expense of your auto insurance without leaving yourself unprotected.

Getting the best auto insurance rate begins even before you start shopping for auto insurance quotes. It begins even before you have a car. The model car you purchase, and even the color of that car, can affect your auto insurance rates. Why? Some cars are more expensive to repair than others. Some are more likely to be stolen and some are safer to be in if you get in an accident. The insurance companies track these trends and use them to determine their auto insurance rates.

Once you've found the car that will get you a good insurance rate, begin getting auto insurance quotes from different insurers. Rates vary widely between insurance companies. You don't have to call each individual company yourself. An independent agent can collect auto insurance quotes for you, or you can try various Internet insurance quote sites. Also, make sure to ask for any discounts the company might offer – like safe driver discounts, safety feature discounts or multiple policy discounts (it may save you money to have your homeowner's, life and car insurance with the same company). When setting a deductible amount, select the highest deductible you can afford. Higher deductibles lower your premiums, though you'll have to pay more before your auto insurance will begin to cover any claims you might have. However, if you're a safe driver, this won't be a problem. Select at least $500, but if you can afford it, raise your deductible to $1000.

While you can easily drop comprehensive and collision coverage for older cars (or if you're a safe driver, cars that have been paid off), don't skimp on things like uninsured motorist coverage or medical coverage. Some companies also have an extra charge if you pay your auto insurance premiums month to month. Pay six months of the premium at once and you'll eliminate those extra charges.

Ultimately, you can save a decent amount of money on auto insurance without cutting corners as long as you do your research and understand the coverage in your policy.

How Switching Auto Insurance Providers Can Save You Money

Even though it is at a pace lower than overall inflation, the cost of auto insurance is rising, adding approximately $8 to $9 to the average consumer’s annual bill, said Robert Hartwig, president of the Insurance Information Institute. While that may not seem like a large increase, there are documented ways to reduce your auto insurance rates so you don’t have to worry about rising costs at all.

Primarily, it is important that you research and shop for new auto insurance quotes either on the Internet or by contacting local insurance agents. First, visit your state insurance website; they often list complaint ratings against companies. There are also several websites that not only allow you to directly compare personalized auto insurance quotes from various companies, but will also connect you directly with local agencies. Experts advise that three quotes from competing companies will provide a good indication of prices you can expect to pay. Insurers want new business and will most likely try to accommodate prospective clients. Some auto insurers will even provide an early shopper’ discount to those looking into changing their auto policies before their current policy expires, assuming this initiative indicates responsible drivers – the most desirable type of clients for insurance companies.

Obviously, some companies offer better discounts than others; so ask for every type of discount available at a specific company. Inquire to see if they offer a ‘safe driver’ discount if you have a good driving record with few or no infractions or ask for a low mileage discount if you do not drive far every day or you carpool. Ask if your rate can be reduced even further if you have or will take a defensive driving or safe driving course in the future (some of these courses are offered online and can cost as little as $12). ‘All in all, good research and communication are the keys to getting the auto insurance premiums you’ve been dying to achieve amidst rising insurance costs,’ says

While making any type of auto insurance switch, it is imperative that you do not allow your current auto insurance policy to lapse. This can make obtaining coverage much more difficult in the future. Also, make certain there are no fees charged by your current insurer for canceling your policy with little notice. And check with your new carrier that you are not signing on for introductory coverage rates that may change after the first year.

Regardless of how pleased you are with your auto insurance rates, it is good to shop around at least once a year to make sure the price you are paying is fair. You never know, you may be able to cut your costs even more by doing so.

How Progressive Remains On Top In The Auto Insurance Industry

Progressive Insurance Company should feel just as bubbly and upbeat as Flo, the auto insurance company’s effervescent and likable advertising spokesperson. In its latest honor for industry leadership and innovation, the suburban Cleveland company’s online presence,, was named the best website for purchasing and maintaining car insurance for the third quarter of 2009.

This rating is according to Keynote Systems’ 3Q 2009 Insurance Carrier Scorecard. This gives the company its 14th appearance at the top of this particular list in the last 15 scorecards published since 2000. Keynote Systems, the leading provider of test and measurement solution for continuously improving the online experience, compared the websites of 12 major car insurers. In the end, they rated best for such customer-focused factors as functionality of its site, ease of use, privacy and security, and quality and availability.

Keynote is widely regarded as the authority when it comes to evaluation websites,’ observed Toby Alfred, Progressive’s general manager of customer acquisition. ‘Our customers and Keynote held us to high standards and constantly challenged us to find innovative ways to enhance the experience of buying car insurance online. We’re proud to be recognized for our efforts.’

The Keynote ranking is only the latest of many honors the Progressive Group of Insurance Companies received over the years, recognizing it for its use of technology to enhance the customer experience. For example, InformationWeek Magazine put Progressive near the top of its InformationWeek 500, an annual ranking of the nation’s most innovative users of business technology. A similar honor came from Forrester Research, which made Progressive a winner of its Voice of the Customer Awards in recognition of the company’s innovative efforts to continually improve customer service.

Progressive is one of the nation’s largest auto insurance groups and the leading seller of motorcycle and personal watercraft policies. More than 100,000 people a month go online to or pick up the phone and dial a toll-free number at Progressive Direct to compare auto insurance rates from Progressive and its leading competitors. Customers are told even when a competitor can offer a better deal, lending the company a heightened sense of integrity and credibility.

The recent recognition is well deserved. In 1995, Progressive became the first major auto insurance group in the world to launch a website. It was also a first in the U.S. to receive payment from a customer’s PDA and the first to connect with its customers by VOiP, the Voice Over the Internet protocol. With advertising campaigns that are constantly recognized for their creativity, humor and effectiveness, Progressive is rapidly becoming one of the nation’s most popular and best-regarded auto insurance companies.

British Auto Insurer Aims To Help Virginians Save Money

There's an elephant in the room, and one UK insurance giant is hoping American consumers will notice. The Elephant Insurance Group, which has been selling insurance in Britain under the name Admiral Group PLC since 1993, is now selling auto insurance in the United States. Starting in Virginia, the auto insurance provider is now up and running, as of the beginning of October. Although only currently offering coverage to Virginians, the company expects to be a pachyderm-sized new player in the American car insurance market, hoping to eventually expand nationwide.

Admiral Group PLC is Britain's third-largest auto insurer. And, with a $10-million investment so far in Richmond, Virginia, the company expects brisk business and quick payouts of claims in the U.S. Although Virginia seems an odd choice for an international company to begin its campaign, Virginia's regulatory commission allows the flexibility of quick rate changes, meaning the company can determine its marketing and cost structure on the fly. In California, for example, it takes 63 days to change an auto insurance rate, and the process can literally take months in other states. And if the question, "Why America?" comes to mind, well, the U.S. has become ripe for new auto insurance companies. Geico, and its process of educating and transforming the American car insurance market, has shown American consumers another way to get auto insurance quotes and buy auto insurance. And Elephant is poised to exploit that.

Most of the U.S. auto insurance market is still agent-based, meaning each customer has his or her own personal representative. But Geico has successfully shown Americans that the agent is not always necessary. Elephant Auto Insurance Group will keep their business phone and Internet based. Admiral Group's foray into the American auto insurance market will be its fourth overseas company. With 12 brands extending into three European countries – and now the US – Admiral operates a direct-to-consumer insurance business, serving customers via the phone and Internet. So far, it has nearly 2 million customers worldwide. The company is not expecting its international divisions to post a profit for another four to six years. If that happens, however, the group will double sales in the next eight years. Admiral Group has no debt, and has consistently reported higher net income since its initial public offering in 2004. The giant had a higher return than any other insurance stock in Europe, according to data compiled by

So why call it Elephant? Said CEO and Admiral founder Henry Engelhardt in an interview published in Bloomberg: "The elephant is the biggest animal in the jungle, it could step all over a gecko," referring to the English-accented mascot for Geico. And this Elephant will definitely be noticed when it comes to Virginia auto insurance.

Alabama Updates Minimal Auto Insurance Rates

As in most states, auto insurance premiums vary widely in Alabama. Drivers who have no accidents on their records may receive significant discounts on their auto insurance rates. Those who live in certain neighborhoods may pay less than those who live in communities with higher crime rates. As motorists must do in any state, drivers looking for auto insurance in Alabama need to shop around to find the lowest possible premiums. Drivers who don't make this effort might find themselves paying too much for their auto insurance.

Each state sets its own minimum limits for the amount of auto insurance motorists are required to purchase to drive legally. In Alabama, due to a recent change in policy requirements, motorists must buy insurance for a minimum bodily injury liability of $25,000 per injured person up to a total of $50,000 per accident. Drivers here must also buy property damage liability coverage with a minimum limit of $25,000. This coverage is usually known as 25/50/25 coverage.

The amount of money motorists pay for this minimum auto insurance can vary widely. Alabama drivers who want to save on their auto insurance premiums can make sure to maintain a driving record free of speeding tickets, moving violations or accidents. Each of these infractions will increase the premiums that motorists pay. Drivers also can save money on their auto insurance by taking out several policies with the same insurer. Some insurance companies will offer discounts to customers who take out both auto insurance and homeowner's insurance policies with them. These discounts can often be significant. Motorists who drive their cars fewer miles each year will also pay lower auto insurance rates. Insurers figure that drivers that aren't on the road as much are less likely to get into serious accidents. Therefore, these drivers are not as risky, and are rewarded with lower rates. In Alabama as in other states, some factors contributing to the rates they pay are out of drivers' control. Motorists will generally pay less as they get older. That's because insurers view younger drivers as more likely to speed or drive distracted. They, again, are riskier, something that forces insurers to charge them more for their monthly auto insurance premiums.

Finally, motorists shouldn't disregard the value of safety measures. Drivers in Alabama will generally pay less each month if they buy a car alarm or if they park their vehicles in indoor garages at night. They'll also pay less depending on whether their home zip code has a reputation as a low- or a high-crime area.

Finding the lowest auto insurance rates in Alabama does require research, but those consumers who do this research will find that they are rewarded with the lowest premiums.

About California’s Low-cost Auto Program

Sometimes driving in the state of California can be a challenge with its many freeways, smog and traffic congestion in greatly populated cities like Los Angeles and San Francisco. Yet, some still say that having a car is the best way to get around and see all that California has to offer. While sightseeing on a sunny afternoon can be fun, having trouble behind the wheel is not. In California, it is mandatory that all running autos have liability insurance. Even in routine traffic stops, all drivers must show current proof of liability insurance. Failure to do so may result in vehicle impounding or being arrested on the spot by law enforcement.

Many California residents would complain that the only way they can afford to have a decent lifestyle is to have the ability to drive to work. While paying for liability insurance may have been financially inconvenient for some in the past, for some workers it was impossible. As a result, these drivers chose to do so uninsured. As the years passed, millions of dollars were lost in property damage, lawsuits, lost wages, unpaid bills and time spent in the jail system due to uninsured drivers on the roads. So, for drivers who cannot afford auto insurance, the California Automobile Assigned Risk Program (CAARP) started the California Low Cost Automobile (CLCA) Insurance program in 2000. This is a basic liability (Bodily Injury and Property Damage) policy for low-income drivers who are legal California residents. Options such as medical or Uninsured Motorists coverage can be added to policy for an additional charge.

Eligibility for this auto program is determined by several factors. For example, a driver must be at least 19; they must have a clean driving history with no license suspensions, misdemeanors or felonies in the past three years; and the current monetary value of driven vehicle must be $20,000 or less. The rates on this auto insurance policy are budget-friendly as there are no broker fees, and there are five payment options available. The policyholder also agrees to have the CLCA as their sole auto insurance carrier with no more than two vehicles on the policy per household. In the beginning stages, the auto program covered only Los Angeles and San Francisco counties, but as of 2007, more than 50 counties have been added.

To find out more about this program’s auto insurance rates or how to get an auto insurance quote, go to and click on

AAA Lincoln Offers $10 Gas Card With The Request Of An Auto Insurance Quote

Many consumers are looking for ways to reduce their spending in this economy, to the point where even necessary expenses are an issue. Everyone gets busy, and shopping for updated auto insurance can be considered an inconvenience. However, AAA Lincoln is rewarding potential customers and policyholders with an incentive to review their auto insurance options. During the month of October, AAA Lincoln will make the effort worthwhile by offering a $10.00 gas card to any car owner who will visit their office and get an auto insurance quote. Consumers are not obligated to purchase coverage from AAA in order to receive the $10.00 gas card.

As gas prices continue to increase what better incentive to encourage drivers to seek a better rate for their policies? This campaign is directed at new AAA customers, but existing AAA Lincoln insured customers are not left out of the promotion. Referrals for auto or property insurance quotes pay off for these customers. Each referral for an auto insurance quote will reward loyal customers with a $10.00 gas card. And, if a policy is sold as a result of the referral, AAA Lincoln will send an additional $20.00 gas card to the referring party. This incentive can help consumers save money at a time when they need it the most, and it helps put a little back in their gas tanks as well.

AAA is proud of their position as America's most trusted auto club all around the nation. Top-notch property and auto insurance is a major part of the AAA package and members are encouraged to take advantage of all their benefits. For example, AAA California offers its members time- and money-saving benefits like emergency roadside assistance, expert travel planning, auto buying counseling and service at certified auto repair shops. Getting the most for your money is important to all American at this time. And, because most people are watching every penny, regardless of holding AAA coverage or not, they should run a check up on their auto insurance coverage to be certain that they are getting the best rates. Knowing that you have a good insurance policy in place provides for financial security.

AAA has a good product to offer and the gas card incentive is designed to spread the word. Given the opportunity AAA agents can offer great expertise to help consumers choose the right coverage to meet their individual needs at the best possible rate. The most important thing car owners get is not the $10.00 gas card, it is the peace of mind they gain in knowing that their coverage is up to date, appropriate and available at a fair and reasonable cost.

The Worst Cars You Can Drive When Looking For Cheap Auto Insurance

As most drivers know, the type of car you decide to drive directly affects your auto insurance rate. Sometimes, it can be difficult to see why a certain model of car can be so much costlier in terms of auto insurance premiums than another. Overall, auto insurance companies base it on sound statistical reasoning. The most expensive cars to insure tend to be the ones that cost the most for insurance companies when it comes to accident claims. Here's a look at how insurance companies determine insurance rates on a per-model basis.

Auto insurance companies figure premiums by measuring a variety of statistics and variables that help determine the risk they take when insuring a certain customer. These statistics can be skewed when there are a high number of claims from drivers of a certain model of car. If you drive one of these vehicles, you will be labeled a high-risk driver. Regardless of your driving record, a high-risk vehicle will mean higher auto insurance rates. Sports cars, which tend to be driven faster and more recklessly, traditionally have very high insurance rates. However, premiums can also be driven up by cars that simply don't stand up well in an accident or are likely to cause injuries. This will cause an auto insurance company to pay more out for a claim, hence the higher premium.

The worst cars to drive, as far as premiums are concerned, tend to be high-performance vehicles. A study released by the Highway Loss Data Institute indicated that the most expensive models to insure were the Subaru Impreza WRX and Scion tC. These cars are not only statistically unsafe, but they cost more to repair. These higher costs lead to higher auto insurance rates for their owners.

You may be able to gain an auto insurance discount by opting for more family-oriented vehicles, such as minivans and some SUVs. These vehicles typically perform better in safety tests, cost less to repair and have a lower incidence of claims based on who's driving them. Family drivers, as you might have guessed, tend to drive cautiously and are therefore rewarded with much lower auto insurance rates. If you insist on driving a high risk car, you might be able to get an auto insurance discount by taking defensive driving courses, opting for no-fault insurance if it's available and discussing your driving choice with your insurance agent to try to determine other ways to save.

While driving a faster car is fun, the bad auto insurance rates are a significant drawback. Smart drivers should be able to negotiate a bit with their insurers to keep their new rides.

The Wrong Questions To Ask When Purchasing Auto Insurance

It's easy to ask the wrong questions when buying auto insurance. The law requires you to buy insurance if you're going to drive, so it's natural to look around for the cheapest option that satisfies the legal requirement. But, if the only questions you ask when you're buying insurance have to do with cost, you're more than likely to purchase auto insurance coverage that won't meet your needs down the line when you really need it. While it's certainly true that different companies offer some of the same services for different rates, it's also the case that comprehensive coverage costs more. When you buy a policy that covers you more fully, you'll pay more in the short term, but you'll be more fully covered in the event of an accident.

When trying to decide how much auto insurance you need, don't ask yourself how much coverage it will take to satisfy the basic legal requirements. Rather ask yourself what it would take to protect you from a situation that could disrupt your life financially, medically or practically. If you think you can't afford decent auto insurance coverage, just imagine what it's going to be like to try to afford all the expenses that can accrue if you're in an accident and don't have sufficient coverage. You might have to buy a new car, miss work or be saddled with expensive medical bills. Compared to these costs, the price of a decent auto insurance policy really doesn't seem so bad.

If you have an unsafe driving record, don't ask yourself whether it makes sense to pay for auto insurance coverage in the first place. Your premiums may be high, but the consequences of driving without insurance can be devastating. It can not only be detrimental to you if you're caught and forced to pay an expensive ticket, but also for the other drivers on the road if you are involved in an accident and unable to meet financial obligations. Court costs, as well, will make the money you would have paid for coverage seem like a real bargain.

It can also be unwise to place too much emphasis on convenience when shopping for a policy. It's all too easy to do the bare minimum research, find a policy that seems sufficient and affordable, buy it and end the process. Purchasing an auto insurance policy online can be the right choice for many people, but if you don't understand what you're buying, it makes more sense to find an agent who will answer your questions.

In general, when buying auto insurance, the wrong questions are the ones that focus on the short-term cost, and the right questions involve looking at the benefits in the bigger picture.

Studies Show Most Americans Pleased With Auto Insurance Companies

According to a new study by the Insurance Research Council, customer satisfaction with auto insurance companies has risen over the past year. Out of 91 percent of responses received in reference to a survey sent out by the group, 60 percent said that they were "satisfied" with their insurance company. The other 30 percent said that they were "fairly satisfied," indicating that a higher number of consumers are comfortable with their auto insurance company than ever before.

The high level of customer satisfaction with auto insurance companies is probably a direct result of the slumping economy. As consumers look for places to save money, they tend to raise their insurance deductibles or cancel coverage altogether. This causes a lack of demand for insurance as a service. In order to survive, auto insurance companies must keep demand levels high, so they cut auto insurance premium costs and offer more coverage at the same price for drivers. Experts note that while premiums are actually slightly higher than before the recession on average, they're falling quickly and steadily. Customer service is also improved, as the auto insurance companies want to keep consumers from switching insurance policies to competing companies. This leads to an overall improvement in satisfaction, which is reflected in the survey. The IRC's report also pointed out that there seems to be no correlation between customer satisfaction and the level of government intervention in a state's insurance laws. Regardless of how highly involved a state was in the insurance industry, customer satisfaction rates were approximately the same.

Auto insurance experts warn that customer satisfaction levels could potentially drop once the recession ends. It's possible auto insurance companies will rescind some of the offerings that they make during harsh economic times. However, as long as the recession persists, auto insurance customer satisfaction levels are likely to continue to improve while premiums continue to drop. This makes the current insurance market very favorable for consumers, whether a driver is buying new auto insurance or updating existing coverage.

Drivers should re-examine their auto insurance policies every few months, especially during a depression, to ensure that they're paying a low enough premium. Using price comparison websites can be very helpful, as can contacting an auto insurance agent to discuss how to lower a premium feasibly. Drivers who want more insurance coverage can also profit from a recession without paying higher rates, and of course all consumers benefit from better customer service.

The recession has certainly hit some industries hard, but in the case of auto insurance, it's created a buyer's market that favors consumers looking for a good rate and ample auto insurance coverage.

Rising Auto Insurance Fraud Affects Premiums

The economy has been bad lately. Many are out of work, leading them to do whatever it takes to earn a living. A common pattern reflecting this has been the use of automobiles to perpetrate crimes. The result has been a rising amount of auto insurance fraud, which adversely affects everyone's premium costs. Since auto insurance is virtually mandatory in most of the states, people are pretending their cars are stolen or intentionally damaging their vehicle in order to get claim money from insurance companies. In some instances, these criminals create accidents by deliberately cutting off other drivers to increase the likelihood of being rear-ended.

When dealing with an "accident," some scammers may appear humble and apologetic, and may even beg you not to call the police. Others may be violent, threatening and eager to claim right of way – calling the police themselves. In some cases, they may have their cars packed with many passengers. They assume that the more the number of people in their car or truck, the more the value of Personal Injury Protection (PIP) payouts. They may even find ways to authenticate their innocence by planting fake witnesses at the accident site. These fraudsters usually work in concert with medical clinics and auto body shops that assist in generating bogus medical bills and repair invoices. These establishments may create invoices for strangely larger amounts than the actual damage or level of injury sustained.

Unfortunately, in most cases, someone or entity eventually has to pay. By law, the insurers of these cars and drivers are expected to compensate for damages. And they are painfully paying handsomely – in some cases, 500 percent more than the total amount invested by the policyholder in the insurance company. For example, assume the amount so far paid to the insurance company by the driver is $500. An arranged accident that involves multiple cars and five or more passengers can easily cost the insurance company as much as $50,000 to cover bodily injury and physical damage to the cars. The most painful aspect of this dilemma is that it is very difficult for the auto insurance companies to distinguish between real and fraudulent claims.

As a result of the increasing number of claims due to fraud, many insurance companies have no choice to but to raise their policyholders' auto insurance premiums. They need to do this in order to cover the claims being filed so that the company can stay afloat.

As common as this sort of fraud is becoming, it is imperative that all drivers are aware so that they know if they are being scammed and how it will eventually affect their auto insurance.

Policyholders Saving Up To 35% On Auto Insurance By Purchasing Online

If you're buying a new auto insurance policy, you probably already know that it's a bad idea to simply go with the first insurance company that you can find. It's well worth a driver's time to check up on a few options to ensure that the necessary coverage is provided for the smallest premium. It's also worth a driver's time to use auto insurance quote comparison websites. Experts suggest that these tools can help drivers save up to 35 percent on the cost of their insurance premiums while viewing coverage options from several major auto insurance companies.

Drivers should know that comparing auto insurance rates online does not necessarily lead to less coverage. On the contrary, it can actually lead to better coverage if you've got a set budget for insurance. Comparison sites base their rates around either state minimums or data input by the driver. Because of this, you can get an honest look at what several different auto insurance companies will charge you for similar or identical amounts of coverage. Special terms of insurance can even be input on some websites, such as, if you live in a state that offers opt-in no fault insurance. If you choose to take advantage of this option, you might choose to reflect that choice in the auto insurance quotes that you receive. This allows you to get an honest idea of how much money you stand to save.

Comparing auto insurance rates online is also exceptionally easy. In fact, the process is much easier and less technical than obtaining different quotes from separate insurance companies by phone. Websites are set up simply enough that a driver doesn't need much computer knowledge to run a quick comparison, and if you decide to buy an insurance policy online, the application process is simple. This is because a potential policyholder only needs to input information once. Most aggregate auto insurance sites will request some basic information about a driver, including the driver's address, type of car and driving history before providing quotes.

If you find a lower auto insurance rate while comparing insurance online, be sure to contact your original insurer before making a switch. This will allow them to potentially meet the new rate you've found. If you can, it's preferable to stick with an insurer rather than to change when given the opportunity. This way you won't have to worry about a lapse in coverage, and can use your loyalty to the insurer when negotiating your premium in the future.

Comparing auto insurance online is a great idea. In this digital age, there's really no good reason not to spend a few minutes on the Internet to ensure that you're getting the lowest possible rate for your coverage level.

Perks To Keeping Your Auto Insurance Coverage

Auto insurance companies have begun battle for your patronage. Everyday, carriers are beaming their slogans and mascots directly into your homes attempting to convince you that their coverage or service is superior to that of all others. While conventional wisdom may imply that the best auto insurance benefits are to be reaped by switching insurance companies, this is not always the case. By staying with your current auto insurance carrier, you can incur a number of slightly more hidden – but equally valuable -benefits, such as greater familiarity and fiscal savings.

Though absence may make the heart grow fonder, it is familiarity that breeds stability and consistency. Staying with your same auto insurance carrier means that your company will have records of their past interactions with you. All too often, claims will fall through the cracks – or at the very least, take a much longer time than is necessary – due to insufficient policyholder contact information. If you stay with your company, they'll have records of all past phone numbers, addresses and e-mail addresses they've contacted you at. On top of all that, insurance companies see fraud all the time, so they thoroughly investigate claims being reported by new policyholders. These investigations can hold up claims for days, weeks or even months at a time. As a loyal customer at a company, you can avoid prolonged fraud investigation and the auto insurance company will push your claim right through.

You may be missing out on some hidden financial benefits if you're hopping from company to company with your auto insurance coverage. Almost every major insurance company offers some type of "long-time customer" discount on their plans. These may not come after your first or even your second renewal, but they will come eventually. Think of the time and effort it takes to shop around for auto insurance coverage; you call independent agents, captive agents, do some poking around online. All this can take hours, or even days. So how much is your time worth? If you value your time more than the relatively minor annual savings you might find shopping around, then skip it and stick with the auto insurance policy and company you've already got. In most cases, insurance companies require a "deductible" to be paid for any first party damages. With some companies, you'll be rewarded for going a number of years without any accidents; they could waive your deductible. Other companies offer deductible savings plans or disappearing deductibles.

All these auto insurance options however, are not available everywhere and are often only available to long time customers. Finding the best provider for you can often be difficult but once you do, the benefits of keeping said insurer are plenty.

October: The Month Of Auto Insurance Claims

October has arrived, and for auto insurance companies, so has the month that results in an increased number of claims. The fall months typically come along with a very high number of accident claims, and none more so than October. According to some estimates, over 10 percent of all auto insurance claims are filed in this month, and for several reasons.

The changing weather that hits most of the country in October brings a host of new road conditions that motorists aren't used to. In areas of the U.S. that receive freezing rain, snow or more persistent rainfall, the autumn can be something of a shock to those on the roads. It's easier to lose control of a vehicle in these conditions, leading to accidents and, of course, auto insurance claims. Fall is also the time of year where teenagers and college students, many of them drivers, return to school and begin to drive in conditions and at times that they might not normally drive. The changing seasons also lead to more instances of driving in the dark or driving into the sun with a dangerous glare coming through a car's windshield. This can temporarily blind a driver and cause an accident. Animals like deer begin to also become more prevalent in October, before hunting seasons start. These large animals can cause serious accidents in cases where drivers aren't paying careful attention to the roads and their surroundings. The danger is diminished as drivers become accustomed to the changes, but in the meantime the roads can be a dangerous place.

Even if one driver does pay sufficient attention, another driver can easily cause an accident spurred by one of the changes of the fall season. Any accident results in an auto insurance claim, and any claim results in a higher auto insurance rate for the driver.

As these additional claims are costly both to policyholders and to insurance companies, the auto insurance industry tries to urge drivers to take special care when the seasons change. The fall season can be a dangerous time to drive and it's essential to follow good defensive driving technique during these months. The most effective driving during this time requires watching out for new road hazards brought by autumn. To guard yourself, consider taking a defensive driving course. This can help a motorist drive safely all year round, and may even lead to an auto insurance discount the insurer is notified.

Remember – a single auto insurance claim can greatly increase auto insurance rates. So, it's well worth the time to adjust to safer driving habits in the fall and winter, both for a driver's safety and for his or her auto insurance budget.

Mistakes To Avoid When Buying Auto Insurance

When it comes to buying auto insurance, many consumers make several common mistakes that can end up costing a bundle. Knowing what these mistakes are and avoiding them when purchasing an auto insurance policy can save drivers thousands of dollars down the road.

First, beware of choosing an insurance company based on price alone. Getting the lowest price might seem like a great deal at first, but, after filing a claim, many policyholders discover they've been taken for a ride when the agency fails to deliver what they promised. A good way to avoid being this is to research a company's reputation before giving them your money. Visit your state's Department of Insurance website. This site will offer you consumer complaint ratios for the insurance companies that sell policies in your state. You can also verify an insurance agent licensing credentials on the site. All of this will help you determine your potential insurer's dependability.

Also, before giving the first representative you question the green light on a policy; see the rates other insurance providers can offer you for the same amount of auto insurance coverage. While some sales agents may try to convince you they offer the best coverage at the most affordable price, doing some comparison shopping of your own will help you get the most for your money. An easy way to compare companies is to use the Internet. Several sites will allow you to enter the type of coverage you want and will then provide you with quotes of what various companies will offer you for the same amount of coverage. Most times this is even free.

Don't make the auto insurance mistake of buying the legal liability limit of coverage. If you are found to be at fault in an accident, you will have to pay the difference. When purchasing liability, remember to factor in the possibility of medical costs, property damage and pain and suffering for multiple passengers. Another major auto insurance mistake shoppers make is providing incorrect information to their insurance agent, which can leave them with too little coverage. When your agent asks if there will be any other drivers operating your car, say yes if you plan ever let a friend or family member borrow your vehicle, even if for a few minutes. This way, if he or she is involved in an accident, your insurance company will properly cover you.

As you shop for an auto insurance policy, avoid these common mistakes that many insurance shoppers make. Avoiding them now could save you hundreds, or even thousands of dollars later, and will ensure you are properly covered in case of an accident.

Michigan Courts Argue Credit Rating Relevance In Auto Insurance Quotes

In early October, the Michigan Supreme Court heard arguments in a case aimed at determining whether or not auto insurance companies have the right to partially base auto insurance rates on credit score. This has been standard practice in the auto insurance industry for a long time, however, the Michigan Office of Financial and Insurance Regulation tried to put a stop to in, at least in their state. They did this by passing a law in 2005 forbidding insurance companies from using this information in calculating auto insurance quotes. Insurance companies challenged the new regulation, and were supported by a lower court. After the case was appealed, the appellate court reached a split decision. As a result, the state Supreme Court is now will make the ultimate resolution on the matter.

Insurance companies consider credit score when determining an Michigan auto insurance quote because a statistical correlation has been observed between individuals who have a poor history of paying their bills, and policyholders who tend to make the most claims. This fact may be because people with poor credit are generally considered less responsible than those with high credit scores, making them more likely to drive recklessly. In addition, policyholders struggling to pay bills may be more inclined to file an insurance claim in the event of an accident, not because of the situation but because of the potential money they may receive in settlement.

An argument in this case is that it is tricky to hypothesize about a cause and effect connection between statistics that could be entirely coincidental. Some people may have low credit scores because they made unfortunate investments. Others may have had health problems resulting in costly medical bills they couldn't pay. In the case of these individuals, a low credit score may have nothing to do with their driving tendencies, or even their likelihood of filing a claim. For the auto insurance companies, though, the fact that there is a potential correlation is reason enough to adjust rates based on credit history.

The practice of using credit score to calculate the auto insurance premiums charged to policyholders may seem potentially unfair to some drivers, particularly those whose inability to pay their bills has little to do with their ability to drive safely. But this practice does offer some potential benefits for consumers as well. The fact that insurance companies are able to use this information to generate auto insurance rates helps them to meet their basic company expenses and stay profitable, in turn enabling them to charge lower premiums overall.

Either way, the Supreme Court has a tough decision to make – one that could eventually affect auto insurance policyholders all over the U.S.

Many U.s. States See Overall Auto Insurance Premium Drops

Drivers looking for some sort of reprieve from the tough economic times may find help in their auto insurance bills, according to new statistics. Auto insurance premiums have dropped by about 6 percent over the last year, though experts point out that rates are not as low as they were before the recession. Premiums may continue to drop in price as the recession continues. Analysts believe that the state of the economy is directly responsible for the recent drop in premiums, as well as the rise of the same premiums when the stock market crashed initially.

When the United States economy first showed the signs of recession, many policyholders chose an auto insurance policy with higher deductibles or less coverage in order to avoid high premiums. This led to a drop in the demand for auto insurance. Due to this, insurance companies raised rates. Now, plagued by bad investments and fierce competition, companies have begun offering lower auto insurance premiums to qualified drivers. The lower premium averages through 2009 are a result of this tactic. It's important to note that this is not the trend in all states. In some, insurance rates have continued to rise due to location, which directly affects a driver's insurance premiums. Higher premiums may be common in areas with high levels of auto theft or dense traffic. Luckily, the overall the trend is towards lower premiums. Many insurers insist that any increases in insurance premiums on a state-to-state basis are temporary.

Government incentive programs, like Cash for Clunkers and bailouts for the auto industry, have helped the auto insurance industry recover and have strengthened competition – good news to consumers. The programs led to more sales of new cars, which led to higher sales of new auto insurance policies. There is also a higher level of interest in keeping auto insurance rates low, as studies report that 90 percent of consumers research ways to drop their insurance costs. This is an incredibly high figure when compared with pre-recession numbers. When policyholders use the Internet and other tools to comparison shop, competition increases among auto insurance companies, which in turn offer lower premiums in order to keep a base of loyal clients. To take advantage of the lower rates, drivers should use comparison websites to find lower premiums and attempt to negotiate their current insurers into meeting or beating those prices.

While analysts expect current auto insurance rates to continue to fall, there's certainly an element of unpredictability, and rates could easily rise. Drivers can ensure the lowest possible locked in premiums by re-evaluating their car insurance policies on a regular basis, especially in a bad economy.

In What Situations Is Full Coverage Auto Insurance Necessary

When talking to your insurance company about auto insurance, many times they will mention or suggest getting full coverage auto insurance. While full coverage insurance is not required in every state, it can be important to at least consider.

Quite simply, full coverage auto insurance is "a policy that covers the state's mandatory requirements, as well as the additional protection of physical damage to the policyholder's vehicle." Basically, any physical damage done to the vehicle, along with death or physical injuries caused to those people involved in the accident is covered financially for you. This sort of auto insurance coverage will also cover any property damage caused by insured person's vehicle.

There are various types of full auto insurance coverage. Liability will cover the costs incurred during the accident for the other person's car only. Collision coverage will pay for your car's damage. Comprehensive coverage covers your vehicle in the event of vandalism, theft, collision with wildlife and other unforeseen incidents not involving another vehicle. Many insurance companies will consider you fully covered when comprehensive and collision coverage types are added to the policy. First party coverage will secure damages caused to the policyholder's vehicle that wasn't caused by the accident, such as, weather or fire damage. In terms of collision, any loss "incurred and renders a 24-hour towing" is covered. If the car can't be driven until it's fixed, your insurance company will reimburse you for car rental, up to a certain amount. Third-party coverage is for vehicles that are not owned or insured. This sort of coverage ensures that your costs will be covered in case you are involving in a collision with someone who doesn't carry an auto insurance policy. Third party insurance is beneficial when it comes to handling medical bills of someone who is not insured and will relieve any stress when it comes to medical billing and claims.

Having full auto insurance coverage is not only important, but it can be very beneficial to drivers. When determining if this amount of coverage is right for you, it's important to discuss the terms, conditions, limitations and all types of coverage with your insurance company. You need to know what exactly you're purchasing before you sign any paper work. In addition, once you've determined the amount of coverage you required, shop around to make sure your agent is offering you the best price. You can do this at no cost through several websites that offer the direct comparison of many auto companies for the same amount of coverage.

If you are looking for a complete state of peace when driving your vehicle, full coverage auto insurance might be the best option for you to consider when comparing online auto insurance quotes.

Auto Theft And How It Can Affect Your Premiums

Auto theft is a distressing prospect for most drivers. Unfortunately, theft is a fairly common phenomenon, and it affects insurance rates for drivers across the board. Here’s a look at how your car insurance premiums are affected by theft, and what you can do to minimize the damage to your check book.

Your auto insurance rate is greatly affected by auto theft levels in the area you live. In fact, it’s one of the main determinants; as you might expect, the greater the level of theft, the higher your premiums tend to be. Insurance companies use statistics for the zip code of an area to determine the likelihood of theft, and sometimes moving even a few miles down the road could take a policy holder out of a statistically bad’ area and into a lower insurance rate. Many of the worst areas for auto theft in the United States are on the West coast, but of course, levels vary by neighborhood quite a bit, and unfortunately there’s not a lot that you can do about your zip code (if you’re considering moving to get your auto insurance to cost less, then you must be paying a lot). Looking up general statistics about car theft in your area can give you a pretty good idea of what the insurance companies are looking at when they’re making decisions about your premiums.

Even if you live in an area with high levels of auto theft, there may be ways to get your premiums back down to a respectable level. Contact your insurer to discuss your options. Many insurers will give you a discount on your auto insurance rates if you install anti-theft devices in your vehicle; car alarms, ignition systems, etc. It may cost you a bit of money to install these devices in the first place, but if you live in an at-risk area, you’re likely to see a return on your investment fairly quickly when your next insurance bill comes. Your insurance company may even recommend an anti-theft device or company that can treat your car less expensively.

If you’re considering a move already, you should consider the statistical possibility of auto theft in your new zip code, as it may help you avoid high premiums and a lot of hassle in the future. Otherwise, auto insurance rates are certainly greatly affected by theft, but your ability to impact those changes is limited unless you contact your auto insurance company to discuss anti-theft measures and other possible ways to decrease your rate (such as raising a deductible or taking defensive driving courses).

Auto Coverage For College Goers

When a college student moves away from the home, auto insurance coverage might be the last thing on parents' minds, but it's an important consideration that's best made sooner rather than later. On one hand, if you're paying for too much insurance for the college student, you're wasting money; on the other hand, it's never a good idea to be uninsured, especially when young drivers are involved. Here's a look at how to determine how your insurance policy should change when a college student moves away from home, and how parents can keep their children properly insured.

If a college driver is taking a car to college, then your policy will likely need a few changes. Contact your insurance agent, as different insurance companies handle college drivers differently. You'll want to take your own name off of any vehicles that you won't be regularly driving, and consider adding coverage to your auto insurance policy–college drivers may be more likely to get into minor accidents, and it's always a good idea to set a low deductible if you can afford the difference in your monthly premiums. See if your insurance company offers lower rates for drivers that take defensive driving courses; college students who take these courses tend to be much safer drivers, which is a load off of parents' minds, and the lower premiums can allow you to adjust your deductibles.

If, on the other hand, a college driver isn't taking a car, now is a good time to remove them from your auto insurance coverage if they're going to school far away and won't use your car. Even if they're sticking close by, if they're not going to be driving your vehicle much, it doesn't make sense to pay for coverage that you won't be using. Most plans allow you to insure "temporary" drivers, which should be more than enough for occasional laundry visits, and will keep your premiums fairly low. Remember, most teen drivers are considered fairly risky by insurance companies, especially males, so removing them from your policy entirely will free up a lot of premium money. Further, if the student isn't driving, removing him or her from your policy is an obvious choice.

Most importantly, you'll want to talk to your auto insurance agent as soon as possible, as they'll be able to guide you to the best changes in your own policy to account for the college driver leaving the home. Make sure that the college driver is covered for serious situations, but don't pay for insurance that you don't need and your auto insurance budget will thank you.

A Guide To Getting Auto Insurance Quotes Online

Buying auto insurance online is something anyone can do. The days of locating an insurance agent, driving to his or her office during working hours and waiting for a quote are long gone. Now, thanks to the Internet, you can buy insurance in your pajamas, 24 hours a day. All you need to compare and purchase auto insurance is a computer, access to the Internet, some basic terms and a few minutes.

Before you log online to compare auto insurance rates, you should familiarize yourself with a few insurance terms. Minimum requirements are just that " minimum. But make sure that if you are aiming to just maintain that minimum that it provides you with all the coverage you think you may need. You should also understand the difference between comprehensive coverage and collision coverage. Collision is coverage that pays only for the other driver's car in an accident you cause. A comprehensive coverage policy pays to fix both the other person's vehicle and yours. It will also protect you against an uninsured motorist accident. Finally, you need to think about options. Do you want your insurance to cover a rent-a-car while yours is in the shop? Do you want insurance for theft of items in your car? You will also need to decide if you want to pay by the month, quarter or year.

Now that you know what kind of auto insurance quotes you need, where do you go to find them? Every major insurance company has their own website for online sales. If you want to go with any of the big providers, simply Google their name and go to their website. If you would rather look at a wide array of policy offers, visiting independent sites like may be a good place to start. These sites allow you to see quotes from many different insurance companies at a time. If you are a member of an organization like AAA, you should visit their site for a quote. If you're older, AARP may have a policy for you. There is no shortage of auto insurance websites, so get as many insurance quotes as you need to feel confident that you are getting the best deal for yourself.

Finally, a word about online applications. Do not buy any policy from a site that requests unnecessary personal information. Social Security numbers, driver license numbers and back account numbers are things you should never reveal online. They are not needed for auto insurance quotes and releasing them may make you vulnerable to identity theft.

As long as you follow these guidelines, comparing and buying auto insurance online is safe, effective and above all, easy.

What Sorts Of Discounts Are Available On My Auto Insurance Policy?

Shopping for auto insurance can be a chore; but once you've found a reputable company with agreeable rates, it's time to find out what auto insurance discounts you're eligible for. Cheap auto insurance doesn't have to be a myth if you have the right money-saving tools.

Auto insurance companies operate similarly to cable and Internet providers – the more services you have with them, the cheaper your bill. The "bundle" approach works for auto insurance as well. For example, many insurance companies offer a discount if you insure multiple vehicles registered at the same address with them, what is known as a multi-vehicle discount. You can also qualify for something called a multi-line discount if you buy life insurance, homeowners insurance or health insurance with the same company you use for your auto insurance.

Age of the insured is another cost-reducing factor in auto insurance. When a person turns 25 years old, his or her auto insurance rates will drop. Another discount for young people is offered when they go from single to married. Similarly, there are opportunities to get reductions if you are insuring a teenager. Many insurance companies offer discounts, if guidelines are met, to new drivers that have taken a defensive driving course. In the same way, good grades lower insurance rates. Eligibility can include top 20 percent of a student's class, a B grade average, a 3.0 GPA or higher, and so on.

And, of course, your driving record is always a factor in getting you cheap auto insurance. Most insurance companies offer a discount if you have a clean driving record. Commonly, if you have no moving violations and no at-fault accidents in the past three years, you are eligible for further discounts down the road. The year, make and model of your vehicle also play a can play a beneficial role in your insurance rates. Vehicles made after 1994 have certain safety devises, such as anti-lock brakes and daytime running lights, which may be able to save you money. The primary place of residence (zip code) is another important factor. If you are looking to move, you may want to call your insurance company and see if you can lower your insurance rates by moving to one neighborhood versus another.

Some of these auto insurance discounts may overlap, and you may hit a limit on how many discounts you're eligible for, but in this economy, every dollar counts. And, if saving money is as simple as insuring multiple cars (residing at the same residence) under one plan, or switching life insurance companies, then re-evaluating to make your insurance plan a cheap auto insurance plan may be well worth the time.

What Does An Auto Industry Turnaround Mean For Auto Insurance?

With sales down and stocks up, consumers everywhere are intent on saving a buck or two, wherever it may be. This includes not only sticking with their used cars and not buying new ones – putting the auto industry in the red – but also doing what they can to drop their auto insurance policy to an all-time low price – causing even well-known insurance agencies to flounder. What then would the effect be on the auto insurance industry if the auto industry turned around?

Though it isn't the first market people think of when considering industries affected by the economy, the auto insurance industry has fallen on hard times, despite the fact that law mandates it. While drivers are searching online for comparable auto insurance quotes, insurance companies are struggling to balance, maintaining comparable rates and staying afloat. Those they insure are opting to have minimal coverage, or dropping coverage completely, leaving agencies unable to pay for claims made by other policyholders. As a result, these insurance companies are not only having to hike premiums for existing clients, but also having to lay off employees and even close their doors. Unless there's a turnaround, the future is not boding well for the auto insurance industry. According to the Insurance Research Council, it is possible that by 2010, as much as 17 percent of the U.S. will be driving uninsured. Apparently, car insurance doesn't place high on the priority list of "things not to cut from the budget" in American households.

However, this could all change if the auto industry turned around. Though the auto industry was labeled by U.S. bankruptcy/restructuring professionals as one of the hardest hit by the economic crisis, recent government aid is pulling it up to its feet again. If vehicle lots continue to move vehicles, leading to a greater production demand – bringing jobs back on the market and increasing the cash flow in people's pockets – it is possible auto insurance rates could go down. New vehicles cost a substantial amount more to insure than used cars. With a new car comes a higher auto insurance rate, which means higher premiums. The more money more people will be paying to insure new vehicles, the more capable auto insurance companies will be to pay claims up front. In turn, they will be able to drop insurance rates for policyholders.

With the cost of everything rising these days, an increase in the amount drivers have to pay to insure their vehicles should come as no surprise. However, if the auto industry continues to thrive with help from the government, that may no longer be a fact auto insurance holders need to accept.

The Minimum Amount Of Auto Insurance Coverage You Are Allowed To Have

Auto insurance can cost a lot of money, so there are many people trying to lower their auto insurance coverage in hopes of trying to save money. The cost for insurance will depend on different things, like how much coverage you want. The question is, how much coverage is actually necessary. Understanding your state's minimum liability coverage and whether that will be enough to cover you in case of an accident is important to determine what you will want to seek when looking for your insurance policy.

According to Ezine, the definition of "minimum auto insurance" is the minimum amount of insurance a state requires all drivers to carry before they will be classified as "insured." The website states that the "minimum insurance requirement is stated in a/b/c terms."  "A" represents the "amount of bodily injury liability insurance" that's required to have "per person" when an accident occurs. "B" is the amount of "bodily injury liability insurance" needed in that situation, and "C" is the amount of "property damage liability" you need per accident covered in your policy. Typically this amount varies from state to state.

Liability insurance is what's going to cover expenses when an accident occurs; the payout takes care everything for the person you hit. Many insurance companies will recommend that your auto insurance policy cover $100,000 in bodily injury and $300,000 per accident. In addition to liability coverage, there's collision and comprehensive auto insurance that should be considered. Collision will cover any damage to the car, and comprehensive coverage takes care of your car in the case of any "unexpected problems."

According to Insurance Information Institute (III), drivers often need more liability insurance than what's required because accidents can easily cost more than what the minimum will cover. With the lowest coverage, if an accident occurs, you could be legally responsible for bills totaling more than what you're covered for. This means money will be coming out of your pocket to pay the balance. It's good to talk to your agent or a representative about higher liability limits. III also recommends purchasing an "umbrella" or excess liability policy. This type of policy will pay when "your underlying coverage is exhausted." When choosing your policy, you must also choose a deductible – the amount you pay on a claim before the insurance company reimburses you. Most deductibles are $500 or $1,000. However, the higher your deductible, the lower your premium.

Though you must always do research before deciding on a plan, investigating what your state requires and determining if that auto insurance coverage is enough for you is an even more imperative step when deciding on your policy.

State-to-state Coverage: How Long Can You Go Without Switching?

Insurance laws can vary from state to state. If you have auto insurance coverage in one state and then move to another, there are vital steps you'll need to take in order keep your vehicle covered and to keep driving legally. Most of the time you don't have a very long window of opportunity for changing your auto insurance coverage when you change states. This is especially true if your coverage provider isn't licensed to insure in your current state – leaving your vehicle's insurance completely invalid. Familiarizing yourself with state requirements and the coverage you need will be highly beneficial to you as a driver.

Each state has different auto insurance requirements. Even if your insurance provider is licensed to cover you in the state that you have moved to, your auto insurance may have too little coverage to meet your new state's laws. Typically, most states require you to register, title and insure your vehicle within their state as soon as you claim residency. Having the auto insurance coverage you need as required by law will be necessary to get through this legal process.

Some states accept out-of-state insurance policies, but you'd be hard pressed to find an auto insurance provider that would be willing to cover your vehicle in another state. Before you move, check if your car insurance agency provides coverage in the state you're moving to. If they do, you'll need to work with an insurance agent to customize your auto insurance coverage to fit your new home state's laws. If the agency is not willing to provide coverage where you're moving, you'll need to give them ample warning that you will soon be canceling your policy with them. Most insurance companies will be sympathetic to your situation, as long as you give them fair warning. If you don't give them this, it may affect your credit score negatively.

Failing to pay your insurance bill is not the correct way to inform an auto insurance company of your cancellation. Along with your tardy payment, you will also receive a tacked on fine. This is fair practice by auto insurance companies because it makes it easier for each state to keep track of who's properly insured within their state. Many states understand enough to allow you a short period of time to get your affairs together before enforcing changes over your auto insurance providers. However, if you delay too long, you just might end up with a fine.

For the most part, it's just a good idea to check with your local Department of Motor Vehicles about the rules that apply within your new home state. This will ensure you and your vehicle are covered wherever you go.

Pros Of Paying Auto Insurance Monthly Versus In Full

Nearly every auto insurance policy out there offers consumers the ability to pay bills in several ways, commonly either by monthly payment or a "full" payment (usually for six months or a year's worth of coverage). The full payments often offer significant discounts, which is why they're popular among frugal consumers. However, there are also some very notable advantages to choosing a month-to-month auto insurance policy. Before you choose a payment method for your insurance coverage, it's important to consider every advantage and disadvantage of paying month-to-month.

First of all, while it's true that "full" payments save quite a bit in the long run, they're quite difficult to afford in a single chunk payment – especially when starting a new policy. If your auto insurance rate is $1000 for a yearly payment and you don't have that kind of money saved up, it's obviously quite a bit more beneficial to use the monthly plan – at least until you can save up enough money to upgrade to a full payment. Some drivers can also have trouble saving up money each month for full payments. In this case, they find that a month-to-month auto insurance premium is easier to handle, as they're organizationally much simpler. Sometimes an insurance provider offers direct withdrawal from your bank account or credit card.

Monthly fees for auto insurance are also good ways for drivers to see sudden changes in their policies. This is especially beneficial for drivers who occasionally like to check around for better auto insurance rates. In every state of the U.S., you're required to have a new form of auto insurance before canceling an old policy (to prevent any drivers from driving uninsured). If you're working on a month-to-month payment plan, it's a lot easier to switch insurance providers. After switching companies, full auto insurance policy customers will have to wait for their insurance company to issue a refund for any time that they've paid for but won't be using. Paying month to month is much less of a hassle in any sort of insurance transfer, and typically takes less time, too.

There are also some disadvantages to paying for automobile insurance on a month-to-month basis, including, of course, the higher price. But, for many drivers, this method is a much more manageable choice. Of course, if you're exceptionally responsible, have enough money to pay for your auto insurance premium in a large chunk, and you don't look around for different insurance rates, it may be in your best interest to pay in full.

The number of benefits on either side makes it ideal to thoroughly consider your options before deciding on a payment. Ultimately doing this will bring big savings in time and money.

Online Auto Insurance Tool From Progressive Proves Effective

Thanks to the improvement in auto insurance technology, Progressive Group neared the top of InformationWeek Magazine's annual "InformationWeek 500" list of the most "innovative users of business technology" in the country. For the past 10 years, Progressive has made the list, but this year is different – the company has landed in the top five. Progressive also ranked third overall on InformationWeek 500 and placed first in the insurance category, according to CBS Money Watch.

"Being named to the InformationWeek 500 tells us that our effort to make car insurance easy to understand is paying off. Being recognized by our peers in the IT world is really an honor," said Progressive's Chief Information Officer Ray Volker on the company's website.

The important reasoning behind Progressive's number three ranking is thanks in part to its website's newest feature, "Name Your Price." Potential buyers enter their basic information and the vehicles to be insured on Progressive's website. After they do so, the "Name Your Price" auto insurance tool displays the coverage packages available, along with limits and deductibles, closest to the price they entered. Making changes is even easier. Instead of re-entering the information, the user just drags a "slider bar" over to adjust the payment amount and the auto insurance coverage options are changed accordingly. This tool allows consumers to visually see which option will be better for them, potentially preventing them from buying excessive auto insurance coverage and therefore saving money. In the end, it seems logical that drivers will always pick the auto insurance company that will save them the most money.

"Name Your Price – like all successful Progressive innovations – is the result of close collaboration between Progressive's IT and business groups," Volker said. "We all come to the table with the same objectives – to make insurance easy to shop for, buy and own " Progressive is exciting from an IT standpoint because we're all about customer choice, flexibility and innovation, and you need technology to accomplish those goals."

Progressive Group has been in business since 1937. According to the website, the company is one of the country's "largest auto insurance groups, the largest seller of motorcycle and personal watercraft policies and a market leader in commercial auto insurance based on premiums written." Progressive is committed to being the number one choice for auto insurance by providing competitive rates and excellent service that meets the needs of their potential buyers. Progressive offers products like personal and commercial auto, motorcycle, boat and recreational vehicle insurance through "more than 30,000 independent insurance agencies" throughout the US.

And, with an innovative auto insurance tool like "Name Your Own Price," it seems Progressive will have no problem surviving in a struggling market.

Loophole In Ohio Policy Allows Thousands Of Undocumented Immigrants To Register Cars

Auto insurance laws in Ohio have recently received major attention. Due to a loophole in state policy, thousands of undocumented immigrants have been permitted to register their cars. Many times they are doing so without showing proof of an active auto insurance policy – something mandated by Ohio state law. According to officials at the Ohio Bureau of Motor Vehicles, at the time the policy was made, these consequences were unknown by most policymakers. The issue has caused some controversy in Ohio government. Because of this loophole, the state has become one of the easiest for an undocumented immigrant to obtain driving registration in.

False vehicle registrations will be a problem for Ohio drivers regardless of whether the loophole is fixed by government. Invalid registration forms that have already been processed most likely are accompanied by a lack of auto insurance coverage. Without an auto insurance policy and adequate records of car ownership, these drivers could cause major hassle if involved in a vehicle accident on the insurance end of things. Even if an undocumented driver is covered by some form of Ohio auto insurance policy, their lack of identification puts up other major roadblocks in making insurance claims. In the event of an accident, unregistered drivers may cost other valid drivers on the road major amounts of insurance money.

Though it seems obvious the policy requires reform, policymakers find themselves in a bind. They must consider not only the negative impact from the current policy, but also the negative impact that changing the policy could have on the economy – such as the sale of vehicles or the inability of immigrant workers to travel to their jobs. Policy makers note that undocumented workers do contribute to the state economy. Several Ohio officials and members of the state business community see disallowing them the use of vehicles due to lack of paperwork as unfair. However, state officials are also worried that policy changes may actually prevent lawful auto dealers and consumers from obtaining vehicle registration with ease, potentially making business suffer. But, consider the cost of invalid registration forms for registered auto insurance policyholders who find themselves with a damages claim no one can seem to track down. In the end, decision-making will be a balancing act between the economic and workforce needs of the state of Ohio and the cost of policy reform to business owners and consumers.

Reform and the current state of affairs have been bearing down on the Ohio economy. Though it seems like an easy fix, the policy changes could easily affect everyone – something the government is taking into careful consideration.

Limits On Auto Insurance Charges: How Much Can They Charge

In tough economic times, Americans look to cut out any excessive costs that they can. In these instances, it seems auto insurance premiums are certainly a large priority for drivers. High-risk drivers, especially, may find that their auto insurance rates skyrocket in a recession, and they accept the charges as legitimate. However, there are limits to what an auto insurance company can charge, and drivers with high premiums should be aware of how some companies operate before they agree to high fees.

It’s important to avoid companies that advertise extremely cheap auto insurance premiums through television and magazine ads. These companies will often give a low rate, then raise your premiums several months in – occasionally claiming that the initial low premium was due to an accounting error.’ This is standard practice for companies that are less than reputable. In many states this ‘low-balling’ practice is illegal. Do not sign contracts that lock you into coverage. Also make sure that in the event you cancel your auto insurance plan, you’ll get back any money you’ve paid towards the premium for a policy that isn’t entirely used. Auto insurance laws vary quite a bit from state to state, but usually a company is legally obligated to return the unused portion of your premium. Remember, the best way to avoid scams is to do a bit of research on the company you’re considering after getting your auto insurance quote to make sure their customer satisfaction level is high and they are established.

Federally, there aren’t a lot of laws on how auto insurance companies operate, but state to state there are quite a few. Unfortunately, it’s hard to spell out how these laws operate, as different states have different mandated minimum coverage and may even have entirely different systems of insurance. For example, Michigan and 11 other states use ‘no fault’ auto insurance systems that can be very complex. Research your state’s laws to find out if you’re paying too much for your auto coverage.

Even if you’re dealing with a reputable company that charges relatively fairly, if auto insurance premiums are high, there are still ways to decrease your own to make them more manageable. All drivers should consider calling around to different companies to get auto insurance quotes. This information can be a valuable tool to negotiate a better rate with your current insurers. If you’ve got a fairly safe driving record and you’ve been with your current insurer for a long period of time, you can often talk them into decreasing your auto insurance premiums by significant amounts.

In this economy, it’s severely important that any unexpected rise in your premiums should result in swift contact with your insurer.

Issues To Expect When Buying A New Car For Your Teen

Passing your driving test, especially if done when you are still a teenager, is an incredibly important and exciting event. Far from thoughts of auto insurance, collision coverage and incidental maintenance costs, most teens just start thinking about owning their own car. For the parents, the issues of selecting a car, an auto insurance policy and maintenance package for their newly accredited driver is more pragmatic than celebratory. Buying an auto insurance policy and securing a favorable insurance rate, especially for a new vehicle, can be a complicated process. For this reason, extensive research and knowledge is invaluable.

Buying a new car for a teen driver can be a minefield. As we all know, a new car comes with certain costs that may not accompany a used vehicle. In general, auto insurance can be costly for new vehicles, something that is all the more pronounced when the driver is newly licensed. If you look at the auto insurance rate average for young drivers, you will find them to be higher than those for experienced drivers. When you buy a new car for your teenager, the auto insurance rate does not come with any no-claims bonus or loyalty discount. These are things earned over time. Thus, even if you can afford the new car, considering the auto insurance policy costs may be critical to the overall purchase.

As well as the issues pertaining to auto insurance rate premiums for teenagers driving new cars, there are also the ever-important maintenance costs to consider. Even when a car is new, scheduled maintenance such as oil changes and annual tune-ups can be costly. Older cars may need more maintenance over time, but no car comes without ongoing maintenance cost. Maintenance will also be a contributing factor when finding the right auto insurance policy for your new car and teenage driver, as well as the car you buy.

Overall, there are pros and cons for buying a new car for a teenage driver. Even setting aside the cost of the vehicle, the auto insurance policy rate that you will be offered is based upon the age of the driver even more so than the age of the car. There are two main considerations when throwing this idea around. Buying a new car is costly, so be sure to search around for the most cost efficient auto insurance rate offering an auto insurance policy that has full, comprehensive coverage. The second consideration is the cost of maintenance on a new car, especially for a teenager. Either way, get the best auto insurance to ensure that the teenager and new car are both fully covered.

Infinity Insurance Initiates Program Monarca In Southern California

To assist the large numbers of unemployed workers in Southern California, the auto insurance company, Infinity Insurance, has implemented Program Monarca, a free online job search kit. This excellent resource, offered in both English and Spanish, provides unemployed people all the useful information necessary to finding and securing a job in this tough economy. Coming in an easily printable, PDF format, the kit provides information on how to get started on a job search through networking, newspapers, Internet, and temporary and contract work, as well as using federal and local government resources. Infinity even extends kit users the opportunity to visit one of their local, Southern California auto insurance offices for free assistance in printing, faxing or copying job applications and resumes to ease the process.

The easy-to-read guide provides job experience worksheets to aid job seekers in presenting the most thorough account of their job histories to potential employers. Also included in the kit is a personal information worksheet that gives excellent advice on how to choose references and most effectively present education, skills and personal information, such as address and phone numbers, to anyone reviewing the application. The auto insurance company even provides a practice application form to familiarize people with the process. The guide goes on to offer valuable tips and resources in writing a winning resume, as well as examples and guides to penning a professional cover.

Program Monarca doesn't stop with just resume and job search guidance. They also offer a section on interview preparation, commonly asked interview questions and follow-up so that a job candidate knows the dos and don'ts of interviewing techniques. This includes how to research the company applied to and how to dress and act when trying to make that crucial first impression. Infinity additionally lays out valuable questions to ask the interviewer, so that the applicant is well rehearsed, more comfortable and full of self-confidence.

Through Program Monarca, auto insurance company Infinity has shown corporate and social responsibility to not only their auto insurance policyholders, but to all individuals in Southern California who find themselves out of work and have been unable to secure employment during difficult economic times. The company's generous offer for assistance is available at participating Infinity agencies in locations as far south as Santa Anna, through Inglewood, Los Angeles and Pasadena, and as far north as Fresno. To find more information and download this excellent job resource kit, go to Infinity Insurance's website at Whether you are a seasoned job hunter or a young student entering the workforce for the first time, Program Monarca offers valuable insights that everyone can benefit from.

Hybrid Cars And Auto Insurance Rates

Hybrid car owners are getting more perks than they ever expected. Most individuals interested in a hybrid make this decision based on one or two major reasons, economy and/or social consciousness. Both are very worthy reasons to become a hybrid owner. But another reason Americans are migrating towards hybrid cars may be due to the auto insurance rates being offered by insurance companies.

According to a recent article, insurance rates for hybrid owners are set from a demographical point of view. Insurance companies view average hybrid owners as men and women between the ages of 40 to 60 years old who are typically financially stable and married. These demographics indicate to auto insurance companies that a person in this group is probably a mature, responsible driver, therefore significantly reducing the chance for an accident. Another reason auto insurance rates have dropped for hybrid car owners is that these vehicles require far less maintenance than standard automobiles. This means they pose less are less likely to break down in traffic, which tends to cause an accidents and subsequently insurance claims. Hybrid vehicles are generally quick and nimble, also making them less likely to become involved in an automobile accident. With the increase of these sorts of vehicles on the road, auto insurance companies are offering up to a 10 percent discount to these drivers based on the above factors.

Most of the major automobile makers such as Honda, Toyota, Ford, General Motors, Mazda, Lexus, Nissan-Renault and Volkswagen have produced hybrid vehicles. Due to their appeal to drivers, hybrids are not limited to the "small car" category any longer. Today, you can find options in every vehicle category such as trucks, vans and SUVs. In addition to providing ample selection when it comes to buying a hybrid vehicle, manufacturers are also offering great car warranties, which typically include the car's battery pack and electric motor, hoping to gain the new owner's trust in new technology.

Hybrid owners are finding perks even beyond auto insurance rates and saving the planet. Many local city governments offer free or discounted parking to hybrid drivers as well as some interesting tax incentives. HOV lanes are opening up to solo hybrid drivers in many states, and a few major corporations have even offered $5000 rebates to employees who purchase hybrid vehicles.

Although hybrids have been around for awhile, the new surge in interest from drivers, auto makers and auto insurance companies will have a profound effect on the future of our ecological system, vehicle accidents, auto insurance rates, dependence on foreign oil and air pollution. Maybe it's time to make the switch and take advantage of all the benefits of being a hybrid car owner

How You Can Keep Your Auto Insurance Premium Rates Low

Keeping auto insurance premiums low when the insurance industry is facing more fraud and natural disaster – and therefore more claims – is a challenge many grapple with every year. Whether you’re simply shopping for the best deal available or need to save money wherever you can, you can keep your auto insurance rates affordable by following a few simple guidelines.

First and most importantly, drive as safely and as little as possible. Customers with clean driving records always pay less for auto insurance than those with histories of traffic violations and accidents. Offering auto insurance premiums to safe drivers is less expensive for insurance companies, as the likelihood of having to pay claims decreases. Additionally, the more often you drive, the higher the chance you will be involved in an accident. Thus, the more miles you put on your car every year, the higher your premium will be. Consider walking, biking, carpooling or taking public transportation to and from work to keep your auto insurance rates down. Second, shop around frequently. There are several online quote comparison tools you can use to accurately compare prices of several auto insurance companies. If you want to ensure that you are paying the lowest possible premiums, do a price comparison three to four times per year.

Third, ask for discounts. Nearly every auto insurance company offers a good student discount, a senior citizen discount, a defensive driving course discount and a loyalty discount. If you don’t currently qualify, consider what changes you might make that could increase your eligibility. Fourth, keep your credit report clean. Since statistics show that people with lower credit scores traditionally file more insurance claims, many companies use a driver’s credit score to help determine their monthly premiums. Increase your credit score by paying bills on time, keeping credit card balances low, and paying off debt.

Fifth, consider lowering your coverage to include only what you truly need. While you are legally obligated to meet your state’s auto insurance coverage requirements, you have many choices about the amount of coverage you purchase. Though more insurance is always the safer choice, full coverage is often cost-prohibitive. Sixth, be aware that the type of vehicle you drive heavily influences your premiums. If you drive an older car that costs less to fix than a new, luxury model, your premiums will be lower. If your car has certain safety features, like electronic stability control or an anti-lock brake system, you are likely to pay lower rates. Before you make an auto purchase, it’s a good idea to contact your insurer and determine which makes and models will keep your premiums low.

Overall, follow these guidelines when it comes to auto insurance and you’re likely to save money in the long run.

How High Risk Drivers Can Obtain Decent Auto Insurance Rates

"Have you done your homework yet?" This question is often asked by parents of their school-age children, and it also should be asked of high-risk drivers who seek to find cheap auto insurance premiums. Although all motor vehicle drivers should investigate the best auto insurance policy, the high-risk driver must put an extra amount of research into this task to find auto insurance premiums that are "financially reasonable". Without taking the time to discover the ways to lessen the typically expensive insurance premiums charged to high-risk drivers, such motorists can find that the portion of their personal income budgeted for such payments is exorbitant.

High-risk drivers are defined as those who are more likely to be involved in a motor vehicle accident. Teenage drivers, the elderly, those with several accidents over a short period of time and people who drive regularly on highly congested roads are among those who may be regarded as high risk. Others within this classification are people who have poor credit or those who drive as a profession at high rates of speed, such as the professional racecar driver. Over-the-road truckers who drive for great distances over prolonged, sustained periods may also bear this label. The cost of auto insurance for high-risk drivers is always higher than that for the average motorist since high-risk drivers are more likely to need the services of their insurance provider.

The number one way to find cheap auto insurance rates without having to do much footwork is to use the Internet to get comparable auto insurance quotes. By simply using search engines like Google or Yahoo, one can generate numerous sources for such estimates. Many of these sources are constructed in such a manner as to allow a customer to compare quotes from several insurance companies. In addition, most give you this service for free. This is an efficient way to begin the quest for the lowest auto insurance premiums.

Once the consumer has found a set of companies he or she is interested in hiring, they should research deductions that may be applicable. One good way to bring down payments is to look at discounts. Many insurance companies offer discounts to safe drivers, students with high academic standing or to people who have attended driver training schools. Also an investigation into a company's policy regarding premium reductions correlated with combining automobile insurance with other forms of insurance at that company should be done. Exploring the possibility of paying lower automobile premiums when several vehicles are combined on one policy could also save money.

High-risk drivers are not completely out of luck when looking to find  an affordable auto insurance quote. They just have to know where and how to look.

GM Kicks Off New Ad Campaign

Auto insurance is an important issue for many people. Consumers who want to stay informed on the subject should know of a recent ad campaign put out by GM. General Motors is now offering a 60-day return policy on most of the vehicles they sell. This policy is an attempt to stimulate vehicle purchases by giving consumers the ease of knowing they can return the car if they so choose. But the deal comes with several stipulations and problems. For example, the buyer cannot put more than 4,000 miles on the car before returning it and the vehicle must be returned within 30 days after the 60 day period has expired. In addition to these stipulations, clients who take advantage of this offer are not guaranteed complete reimbursement of recovery losses, according to Joanne Merrigan at WSAZ. This includes any cost the buyer accrues due to changes in auto insurance rates. With all the stipulations, consumers want to know whether or not this policy is for them.

Making this decision may prove to be a difficult one for consumers, especially when considering auto insurance coverage. Auto insurance rates tend to go up after buying a new car. Taking a car in for just 60 days and putting the new vehicle on an insurance policy may be risking money loss. In that short period of time, a driver's auto insurance rate is likely to increase. Before taking GM up on their new 60-day return policy offer, consider if you already have auto insurance. If so, consult with your auto insurance representative to make sure the 60-day test drive of a GM vehicle won't cause your auto insurance rate to go up too much.

The auto insurance costs may normalize after the vehicle is returned. But what about your old vehicle? According to Joanne Merrigan, GM offers no guarantee that the original will be returned to the previous owner at the time of the return.

The 60-day return policy is, in theory, a good idea for people who want to drive a new car, potentially buy it and have bad credit. But if the decision is going to wind up being more detrimental to your credit score that not taking the 60-return policy offer, proceed with caution. Be sure to keep in mind that the consumer is not guaranteed to receive their original vehicle subsequent to the return. Part of GM's return policy is that the consumer is giving the face value in cash, not including other expenses, for the vehicle being returned.

Before taking GM up on their new 60-day return policy offer, consider a few important factors that might influence a decision.

Geico Gears Up For Bikers For Tykes & Troops Motorcycle Rally

GEICO, the United States' third largest provider of auto insurance and affordable auto insurance policies, announced April 9-11 as the dates for the 2010 Bikers for Tykes and Troops Motorcycle Rally. GEICO, which stands for government employees insurance company, is a leader in the auto insurance industry, known not only for its great rates, but also for its dedication to the community. And, as an insurance company, GEICO doesn't just focus on cars. According to the company's website provides &quot^Insurance for your motorcycle and all the things that move you." Therefore GEICO Powersports is proud to sponsor this event, designed to build support for children and the military with activities geared toward motorcyclists and motorcycle enthusiasts.

&quot^We are still in the planning stages and do not have too many details worked out yet," Ryan Vinson, event coordinator with GEICO Powersports, wrote in a recent e-mail. &quot^We wanted to get the word out about the dates now that they are confirmed."

Various groups who have benefited through past Bikers for Tykes and Troops Motorcycle Rallies have been the Fight for Children, area Boys and Girls Clubs and National Institutes of Health (NIH) charities. The auto insurance provider has chosen Children's Hospital of The King's Daughters and the USO of Hampton Roads to benefit from next year's event. According to GEICO Communications and a recent press release, &quot^Each year, it is our mission to give back to the Virginia Beach community through this fun weekend and raise even more money than the year before. To date, our Bikers for Tykes & Troops Rally and Concert has raised more than $200,000 for our charitable groups,"  said Joe Thomas, GEICO regional vice president. "We are gearing up for this year to be our biggest and best event so far!"

Bikers for Tykes & Troops events vary, but have included games, bands, stunt riders, local motorcycle vendors and contests. Due to the event's popularity, those planning on attending are advised to book a campsite at the local KOA campgrounds early, especially if participating in the 2010 Freedom Ride. To get an idea on cost (2010 pricing has not been released yet), the 2009 advance ticket prices were $20 for the weekend, with one-day tickets also available. Friday and Sunday tickets were $5 each, and Saturday tickets cost $10. Those 12 and under were free at the 2009 event, and military members got advance ticket prices on event day by showing a valid military ID. To stay updated on Bikers for Tykes and the Troops Motorcycle Rally, visit the event's website at

Geico Donates Six Figures To Children’s National Medical Center

We all know how important insurance is. Whether it is auto insurance, home insurance or life insurance, making sure we are covered in the event of an emergency is critical. Just as critical, if not more so, is the work done at the Children's National Medical Center. When auto insurance agents at GEICO consider how important our auto insurance rate may be, they are also considering the importance of giving back to the community. In a true show of community and corporate cooperation, the auto insurance company has made a generous donation to the Children's National Medical Centre.

While GEICO is dedicated to providing competitive auto insurance rates to its customers, it is also acutely aware of the needs of the community. And, when it comes to the work at the Children's National Medical Center, that need comes in at the level of caring for sick children. The dedicated medical staff requires proper equipment and facilities in order to deliver the very best care. The recent six-figure donation that the auto insurance company made is a way to provide the center with the resources it needs to meet these and to keep the medical center on its feet. It is donations like the one GEICO made that keep the center's outreach to the community possible.

Taking an active part in the world by making charitable donations is something that the corporate world is embracing more and more these days. Though you may not consider it when choosing your auto insurance rate provider, selecting GEICO or another company that donates to charity makes you a part of that giving process. Six figures is a lot of money to anyone, but to the Children's National Medical Center, it can be the difference of having a new critical piece of health care equipment or another few beds to house more kids during their illness.

GEICO is committed to being not only an important part of the auto insurance world, but also a corporate link to the community. When it announced the six -figure donation to the Children's National Medical Center, it showed that it was just that. When we think of auto insurance rate quotes and the auto insurance industry in general, chances are we do not think of charitable causes. In making this donation, GEICO has done more than showing it's commitment to the care of recovering children and the medical professionals who care for them, it has shown that auto insurance is important, but not nearly as critical as the care, dedication, work and compassionate this is shown day in and day out at the Children's National Medical Center.

Does Your Auto Insurance Policy Cover Your Child While Driving On The Job

Having auto insurance coverage for your whole family is a serious issue to consider. When a teen earns their driver’s license it can be very expensive to cover the cost of insurance on an inexperienced driver. One way many families opt to save is by allowing their new driver to use the family car, as opposed to buying them their own. In allowing your teenager to do this it is imperative that you make sure all the proper insurance coverage is met under your auto insurance policy. This is especially true if you are going to allow your teenage driver to take on a part-time job that requires them to drive around during their work hours.

Make sure to meet with your auto insurance carrier before allowing this so that they can go over your auto insurance policy with you and extend extra coverage where it’s needed. Your insurance provider might not be able to offer you any sort of coverage in this situation. In a case like this, you may have to shop around for a whole new auto insurance carrier and a whole new auto insurance policy. If you are unable to find an insurer who will not cover this sort of risk at all, you may end up taking out a commercial policy on your vehicle.

Most likely, your insurer will have to charge you a larger auto insurance premium to add a teenager using your car for a job. This is because the greater amount of drive time equals more opportunity for an accident, and therefore a greater risk for the insurance company. This rate increase is in addition to the higher cost associated with a young, inexperienced driver. The extra monthly fees are a small price to pay when you consider the peace of mind the necessary coverage will offer you. In addition, it could save you thousands of dollars in the long run. If you go without reporting work-related driving being done by your teenager and they get into an accident, the damage expenses may not be covered by your policy at all.

The high cost of insuring your young driver should not be a reason to get them no coverage at all. There are ways to lower the auto insurance premiums. For example, you can often receive discounts on your auto insurance policy if your teen is on their school honor roll and has kept a clean driving record and legal history.

In order to find the best coverage options in this situation, the best route to take is to do your research thoroughly. Doing this will not only get you and your child the best coverage possible, but will also save you money.

Auto Insurance Abroad: Making Sure You’re Covered While Traveling

Traveling overseas is undoubtedly an exciting opportunity to explore new places, to immerse yourself in rich cultures, to have culinary feasts and to take as many spontaneous road trips as you can. Driving in another country may sound like a fabulous idea, but before flying out of here and getting yourself behind the wheel, it would be best to review your auto insurance coverage. You might think that your auto insurance policy in the U.S. will cover you elsewhere, but this not always true.

As a traveler, you might want to consider a renting a car. If you do the research, you will find several international agencies that do business involving renting cars. When renting from an agency, be sure to check if the rental will include auto insurance. If not, you may opt to purchase temporary rental auto insurance from that agency. This is the best option if you do not have the necessary coverage in your current insurance policy. This also is usually the most cost-efficient and economical way of driving abroad. In looking for proper insurance, you may also want to contact your credit card companies. You might be qualified for insurance from them when driving overseas. Companies like MasterCard or American Express many times will cover your auto insurance when in a foreign country with a rental car paid for on that credit card.

You may also plan on borrowing a friend or relative's car when traveling. Ask first if they have car auto insurance coverage. It may be possible that his or her policy will cover anyone driving the car.

When looking to motor around another country, it's also good to educate yourself on requirements you may need as a driver. It is not entirely required for you to hold an international driver's license when traveling. In many cases all you need is a permit. Check with the country you are traveling to find out which type of permit you will need. Most valid international driving permits can be purchased before travel, as long as you hold your own U.S. driver's license.

Bottom line is, do not hesitate to ask questions. Contact your auto insurance company if you are uncertain and need clarifications about your insurance coverage overseas. You might even discover that, under your own insurance policy, you qualify for auto insurance coverage abroad without additional fees. Most auto insurance companies based in the U.S. do not offer auto coverage abroad. It would be best to consult with your insurer before making any travel plans to discuss your policy and to help you get the appropriate auto insurance coverage for while you travel.

3 States With Largest Auto Insurance Premium Increases In 2009

If you own and drive a car anywhere in the U.S., your auto insurance premiums are a major expense. Just be glad that you don’t live in Wyoming, Minnesota or Tennessee. According to’s Ratewatch, Wyoming premium rates have risen 5.6 percent, the highest increase in 2009 through the end of August. Minnesota comes in second to that at a 4.2 percent increase, followed by Tennessee at a relatively modest rise by 3.1 percent. To date, 2009 insurance premiums for auto owners in these states have climbed the highest and the fastest this year. In comparison, auto insurance rates have either decreased or stayed the same in 37 states.

Why would rates increase at a substantial percentage in these three states? According to the National Association of Insurance Commissioners (NAIC), there are three main reasons why some states have higher insurance premiums than others. If the population of a particular state is more affluent, residents tend to purchase new cars. Typically these car buyers purchase physical damage coverage whether or not the lender requires it. The more coverage on a policy, the higher the auto insurance rate will be. The states with higher populations and traffic density will also traditionally have higher rates because there is a greater risk of being involved in a collision. Automobile accidents in these states result in a higher frequency of claims against policies. Increased auto insurance claims will result in – you guessed it – increased premiums. States that have more high crime areas will also see residents paying higher rates, as auto thefts increase the number of auto insurance claims.

The question is: Do Wyoming, Minnesota and Tennessee fall under any of the aforementioned categories? While each of these states has pockets of affluence balanced with high crime and dense populations, they hardly compete with states such as the District of Columbia, Pennsylvania, Rhode Island and Utah who topped this same list in 2008. Minnesota gets honors for substantial insurance premium increases for both 2008 and 2009. Since the state saw an increase of 6 percent in 2008, do Minnesotans feel relieved to be at a paltry 4.2 percent this year? Tennessee and Wyoming residents truly have a gripe, since the respective 3 percent and 0 percent increases from 2008 have been dramatically increased so far this year.

It seems unlikely that there have been any dramatic changes in demographics, population and density in these states. One must be left to ponder the question of why auto insurance premiums have increased in Wyoming, Minnesota and Tennessee more there than anywhere else in the U.S. Then again, with the way the economy going the way it is these days, nothing should come as a surprise.

3 Important Things You Should Know About Your Auto Insurance Company

Just about everyone knows they need auto insurance. It's a legal requirement. But what else do you need to know about the subject? Everything you can. Why? Because not having proper auto insurance coverage can mean hard times for you when an accident occurs. It's imperative when shopping for auto insurance that you not only get enough coverage to meet your state's minimum requirements, but to cover yourself and your family fully in case of an accident.

A single accident can financially wipe you out if you don't have the proper auto insurance policy. Take the simple example of a losing concentration while driving and causing serious bodily injury to a third party. You are at fault and therefore responsible to cover that persons medical bills. As long as you are properly covered, you won't have to worry about any of the costs coming out of your pocket. Remember that however careful a driver you are, anything can happen and it pays to make sure that your car insurance covers you reasonably well for every conceivable eventuality.

In order to ensure you have the best auto insurance coverage for you and your family, you should consider three things while buying insurance. First, carefully check out the company you are buying insurance from. What is the track record of this company? What is its reputation? Check with websites like the Better Business Bureau that can offer you detailed background information on the auto insurance company you are researching. Also, examine what the policy they are offering you covers. Ask yourself what type of limits are on this type of coverage, how much you'll have to pay and if there is a deductible payment. If the latter very high, it can easily bankrupt you in an accident. You also have to determine the amount of money it would cost to replace your vehicle if it's totaled. This will help you determine what sort of deductible to place on it.

The third main thing to double check is the amount your auto insurance company is agreeing to payout to victims in an accident. The higher the payout limit, the higher the auto insurance premium you will have to pay. Most motorists buying insurance never hear about this detail. The result? A nasty surprise when an accident occurs and the limit offered by your insurance company doesn't even cover the costs of the injured party you have hurt. Money will then have to be paid out of your pocket.

As important as it is to keep an open mind during the auto insurance quote research process, it's just as important to keep your eyes peeled to make sure you're getting the proper auto insurance coverage.

5 Most Popular Cash For Clunkers Auto Purchases

The government’s popular Cash for Clunkers program has resulted in a surge of vehicle purchases, with small cars and hybrids ranking among the top ten best sellers. A list was recently compiled and released by the National Transportation Safety Administration, which also operates the program. The list tallied the top ten vehicle purchases under the Cash for Clunkers program. According to the National Transportation Safety Administration, the Ford Focus was the most popular vehicle purchased during the Cash for Clunkers program. Other vehicles included in the top five (listed in order) are the: Toyota Corolla, Honda Civic (including Hybrid models), Toyota Prius (including Hybrid models), and the Toyota Camry (including Hybrid models). reports that the vehicle most often traded in under the program was the Ford Explorer SUV. It is speculated that many of those former Explorer owners stayed loyal to Ford, thus purchasing the fuel efficient Focus. Overall it appears as though consumers are purchasing more fuel efficient vehicles, typically as a result of higher gas prices and longer commutes. The average fuel economy of the new vehicles purchased under the Cash for Clunkers program is 25.4 mpg.

Despite the extensive fuel efficient vehicle purchases under the Cash for Clunkers program, cheap auto insurance may not be available for those particular models. Of course, certain factors determine an individual’s auto insurance rate. These factors include: driving record, type of vehicle, average mileage, state of residency, and rates for each state. Aside from the aforementioned factors, and despite the fact that auto insurance rates have dropped significantly, fuel efficient cars may be more expensive to insure than their gas guzzling counterparts. The reason for this stems primarily from the fact that these vehicles are newer, therefore replacement parts may be harder to locate. Additionally, most fuel efficient vehicles tend to be smaller and lighter in comparison to other vehicles on the road. In certain instances, a lighter, smaller vehicle may endure more damage in the event of an accident. Passengers traveling in the vehicle could suffer greater injuries as a result of the vehicle’s compact size. Each of these factors is taken into consideration when determining auto insurance rates.

Lastly, many newer and smaller vehicles are targeted for theft because their expensive parts yield a substantial profit. However, if you own one of the top five purchased vehicles noted on the Cash for Clunkers list, you may still qualify for cheap auto insurance. As previously mentioned, your driving record and other factors will determine whether or not your auto insurance rate is as affordable as your fuel efficient vehicle. When shopping for auto insurance, it’s best to compare rates and look for the cheapest auto insurance available.

Oldest Auto Insurance Companies In The United States

Some of the oldest auto insurance companies in the U.S. include Allstate, GEICO, and Farmers Insurance. All three companies are still key players in the auto insurance market, and continue to service millions of U.S. customers. From autos to collective automobiles, they continue to provide auto insurance coverage in every state of the Union. Allstate, founded in 1931, is the second largest personal line insurer in the U.S. Based in Northbrook, Illinois, and led by CEO Thomas J. Wilson; Allstate remains a premier auto insurance provider in the country today. They are known for dependable service, prompt responses, and assisting their policy-holders in a fair and timely manner. They live by their company slogan, ‘You’re in good hands’, and have recently tackled a large amount of auto insurance claims from individuals who’ve incurred injuries from insured members. Due to a rise in falsified claims, Allstate has been vigilant in rooting out invalid claims, while securing the best possible outcome for all parties involved in legitimate incidents. Their ‘Your Choice Auto’ option is one of the most popular products they feature, as it offers lower deductibles and accident forgiveness plans.

The Government Employees Insurance Company, GEICO, is also a top American auto insurance company. Founded in 1936, the company is based out of Chevy Chase, Maryland, and is led by CEO Olza M. Nicely. They currently provide coverage for over 10 million motor vehicles, owned by more than 9 million policy holders. Like Allstate, GEICO remains a prominent player within the auto insurance spectrum, and services all 50 states and the District of Columbia. With 23,000 employees, they are a wholly owned subsidiary of Berkshire Hathaway, and are known the world over for their advertising mascot, a talking gecko. GEICO is considered a first rate auto insurance company, specializing in private passenger coverage at affordable rates. Their incentive plans help lower costly premiums, and they believe in offering real-time access and quotes to their patrons.

The Farmers Group of companies is the third largest insurance group in the U.S. Farmers continues to service over 10 million customers in 41 states. Founded in 1928, and led by CEO Bob Woudstra, Farmers is known for impeccable services. The company remains a key element in the national auto coverage scope. From motorcycles to automobiles, they believe in offering affordable coverage, while meeting the needs and concerns of their policy-holders. They are also highly ranked by Standard and Poor’s, Moody’s Investor Service, and A.M. Best Company.

Although several new multi-insurance companies have flooded the market, Allstate, GEICO, and Farmers remain the upper echelon of auto insurance companies. Along with State Farm, they are considered the cornerstones of the auto insurance industry.

State Of The U.S. Auto Industry

Despite the recent headway that occurred as a result of the Cash for Clunkers program, the United States auto industry is still struggling. While this program saw a great deal of automobiles being sold, the best selling vehicle during this time was the Toyota Corolla. One reason for this might be that there are auto insurance discounts available for those who buy more fuel-efficient vehicles. Since Asian cars are historically more economical, it makes sense that people would want to buy them. However, this is only one auto industry issue that has impacted sales. Credit issues have made it much more difficult for people to get auto loans. This factor has created havoc among dealerships.

Another issue that we have recently seen in the auto industry is car dealerships footing the bill for the Cash for Clunkers program and then applying for reimbursement from the government. While this program was beneficial for auto manufacturers and consumers, it has been a headache for dealerships because they are still waiting on much of this money to be returned to them. The auto industry, unfortunately, is not strong enough to support these delays right now. For this reason, the government should quickly return this money to the dealerships so that they can afford to operate.

The auto industry bailout has been a hot topic because many American car companies were very close to bankruptcy. While the auto industry bailout cannot be called a failure or a success yet, many American manufacturers are still experiencing problems, as people are simply not looking for the vehicles that they have to offer. These auto industry issues are widespread, so more money will have to be put into research and development in order for American car companies to compete with their foreign counterparts long term.

The auto insurance industry is not driven by American auto sales, but rather by auto sales in general. The more vehicles there are on the road, the better off the auto insurance companies will be. Therefore, because sales are up overall, more people will likely be purchasing insurance. In addition, these new vehicles will be equipped with additional safety features that older vehicles do not have. New features will allow many consumers to enjoy discounted rates on their auto insurance policies. The auto industry can be tricky to gauge because there are so many variables present. However, the bottom line is that more vehicles sold mean more success for both the economy and the auto insurance industry.

Understanding Corruption And Fraud In The Auto Insurance Industry

An unfortunate aspect of the auto insurance industry is that corruption and fraud have always been present. Anytime an individual has something insured there is a significant chance of fraud being committed because that person stands to get money from this fraud. An example of an auto insurance fraud is when two individuals stage an accident beforehand. This usually occurs when the book value of a person’s car is worth more than the actual car, as the person will attempt to get the money for the car through his or her insurance. In these cases, the two people will have an accident with one another and then collect the insurance money after.

Another thing that certain people will do is fake an injury following a legitimate car accident. This has been possible in the past because whiplash is almost impossible to diagnose, as it is entirely based on the patient’s testimony. In recent years, however, doctors have begun to take a more active role in these cases in order to keep auto insurance costs down to a minimum. When someone is injured in an accident, the auto insurance industry is forced to reimburse the person, which drives up the prices in that area for everyone.

There have even been cases of fraud where an accident does not even take place, but is reported anyway. As long as both people stick to the story, there is very little that an auto insurance company can do. In some cases, there are entire rings of people who will pretend to be witnesses to an accident as well. These rings represent a form of organized crime. They function as one of the major auto industry issues that the public and law enforcements officials should be very concerned about addressing.

The auto insurance industry is trying to crack down on this fraud as much as possible, as are law enforcement officials. This is being treated as a very serious crime because it affects so many people. This is not a victimless crime, as ordinary people will have to pay more on their insurance every year due to the greed and corruption of certain individuals. Auto insurance has been put in place to help people who have legitimately been in an accident by giving them the financial means to repair their vehicles and receive medical attention. Those who are taking advantage of the auto insurance industry are cheating these honest people out of low insurance rates and premiums, which is something that the auto insurance industry definitely does not need.

Why Inner City Agents Are Threated By Auto Insurance Overhauls

Over 100 inner city auto insurance agencies face closing their businesses because of an overhauled auto insurance plan that threatens their livelihood and that of 230 employees throughout Boston and surrounding areas. In the 1970s, a system was set up, mainly in inner city and low-income areas that provided specialized auto insurance coverage for drivers that were deemed high-risk. The recipients of this plan were mostly minorities and immigrants who were denied coverage and cheap auto insurance by conventional agencies. Special agents were set up exclusively for the purpose of writing low-cost auto insurance policies for drivers that would end up in the state’s pool for high-risk drivers, or those that were prone to high auto insurance rates.

We took on all comers who walked through our doors, said Marie -Armel Theodat of Theodat Insurance Agency, who in the late 1970s helped her father Roussel Theodat build the successful business in the low-income Codman Square section of Dorchester. These days, she runs the agency along with three employees. ‘Everyday is like a challenge, she adds. Like a lot of the agents would say, we are hemorrhaging right now, and everyday is just one day closer to closing our doors.’

Under the old system, the Exclusive Representative producers or ERP were instrumental in getting high-risk drivers into an industry pool called Commonwealth Automobile Reinsurers. The new system, christened the Massachusetts Automobile Insurance Plan, seeks to build direct relationships with inner city drivers rather than having them assigned to a state-regulated pool. The goal is a reduction in accidents and traffic violations. Nonnie S. Burnes, Insurance Commissioner, said ‘The Division of Insurance has named an ombudsman to work with these agents to help them find voluntary contracts, and succeed in this new market. As we have worked with these agents, we have heard their concerns and addressed policies such as lowering the down-payment for consumers and changing pre-registration procedures to create a better environment for both agents and consumers.’

Agents said certain insurance companies that promised those contracts reneged. ‘We spent all those years writing the business nobody wanted to touch,’ said Paul D. Wasgatt owner of Safeside Insurance Agency in Worcester. ‘We dealt with the companies, we wrote the policies with low limits nobody else wanted. Now the insurance companies are saying, ‘too bad, you can’t have a contract.” Another concern deals with the fact that many minorities and immigrants move frequently, and will not be notified of the changes, thus causing many uninsured drivers. Add to that, the effect this change will have on low-income and minority communities that include Boston, Springfield, Lowell, Lawrence, New Bedford, and Brockton. These businesses were active in community support, sponsoring street fairs, little-league teams, and various other activities.

How To Decrease Your Auto Insurance Bill

Auto insurance can be quite expensive, especially if you do not know how to save money. Luckily, there are countless resources available online that will help you save some money on your auto insurance throughout the year. These resources are extremely important because auto insurance companies will take advantage of customers as much as possible in order to get them to pay as much as possible. They might not inform you about special discounts and offers that they have, so you will have to do your research ahead of time in order to find the best auto insurance rates available.

The first thing that you must do when searching for an auto insurance rate that you can afford is to shop around. This is something that an incredible number of people neglect, as these people do not know exactly how much they could be saving. The Internet is a great way to measure rates and find low quotes because you can compare many different auto insurance rates simultaneously. There are also brokers online that you can use to your advantage. These auto insurance brokers will take a look at the rates offered by some of the nation’s top auto insurance brands and then present you with offers based on auto insurance quotes that you submit.

Part of shopping around includes searching for discounts that an auto insurance company might be offering. In many cases, these discounts will give you a much lower rate, depending on your qualifications. For example, you can receive a discount if you purchase a fuel-efficient vehicle such as a hybrid. In addition, you can save money if you have anti-theft devices, anti-lock brakes, take a defensive driving course, or if you’re simply an all-around safe driver. There are literally hundreds of different ways that you can get a lower auto insurance rate, so make sure that you look around thoroughly to see if you are eligible for any discounts.

Saving money on auto insurance has never been easier because there is so much competition in the marketplace. Remember that these companies need your money just as much as you need coverage, so take advantage of the savings that you can obtain. If you feel as though a company is not giving you the best auto insurance rates possible, simply move on to a new company. There is no such thing as loyalty in the car insurance industry, so it is vital to use any positive driving attributes that you have to your advantage. In the end, you’ll be thankful that your car insurance bill is lower than it might have been had you not taken the time to secure lower rates for yourself.

How Many Auto Insurance Companies Are There In The United States

Today, it's difficult to turn on the computer, television, or radio without hearing a plethora of advertisements for auto insurance companies. Such companies have even adopted mascots and catch phrases to try to attract U.S. residents who need car insurance. In fact, with over 50 insurance companies in the United States, many of whom are auto insurers, choosing an auto insurance company can be difficult for those who need to protect their investments through insurance packages.

Consumers looking for car insurance should understand that the plethora of available companies is positive. Car insurance, like clothing sizes, is not made to fit everyone. Instead, individuals must conduct research in order to find the auto insurance that is right for them. Although there are cheap auto insurance companies out there, consumers who are looking for car insurance that will cover them in the case of an accident should consider more than just price. For instance, some auto insurance companies offer policies that contain more than car insurance, but can be lumped with other insurance policies, such as life and health insurance. Individuals who want a variety of insurance policies can actually save money by choosing an insurance provider that offers more than one kind of insurance rather than by choosing among cheap auto insurance policies.

Individuals must also examine other variables in their situation when choosing an auto insurance provider that is right for them. For instance, car owners that have expensive vehicles might want to consider greater protection against theft. On the other hand, car owners who have vehicles that are not worth much might find the additional cost per month too much to pay for extended coverage. A person's driving history can also play a large role in the decision of which auto insurance policy to purchase. Drivers who are at a high risk–those who are young and new drivers, who have had multiple accidents, and who live in certain areas–may have to pay more for auto insurance than other drivers, regardless of which provider they choose. However, these drivers should compare quotes from different auto insurance companies in order to find a niche market insurer who might be able to make them a special deal. In addition, an auto insurance company may be able to provide a discount to drivers who are students, homeowners, senior citizens, and members of certain organizations.

With the large number of insurance companies serving the United States, choosing an auto insurance company can be difficult. However, drivers can find the car insurance company that is their best fit by looking for the most suitable insurance policy rather than the cheapest option.

Florida Auto Insurance Scheme Busted

As America’s economic downturn continues to make its way onto headline news, many are attempting to pad their own pockets by preying on the desperate through faulty auto insurance claims, including a Florida crime ring that was recently brought to justice. The ring targeted people who were desperate to make their car payments or unload their expensive cars. The scheme promised to get rid of the cars for a cost, and told owners to report the vehicles as stolen and subsequently file auto insurance claims. However, the group then sold the expensive cars at low prices and outfitted new buyers with faulty titles, insurance cards, and registrations.

Thanks to Florida police, some arrests have already been made and detectives have recovered 33 cars, although authorities are still searching for 27 vehicles and a person of interest. Although the Florida case might be the most recent car insurance fraud scheme to hit the news, it certainly isn’t alone. Fraudulent car insurance claims are on the rise because of the worsening economy, according to ABC News, driving desperate drivers to go as far as lighting their own cars on fire.

According to ABC News and Insurance Research Council, car insurance fraud is a risky practice that poses potential danger to everything from a person’s physical safety to car insurance policy holders’ economic security, including fluctuating auto insurance rates. Car owners who attempt to rid themselves of expensive vehicles by setting them on fire or otherwise destroying them can suffer physical damage, like one Nevada man whose attempt at fraud resulted in second and third degree burns. Insurance fraud is also a crime, which can result in jail time for the perpetrator. Perhaps more damaging to the car insurance industry as a whole, however, is the fact that car insurance fraud, including fraudulent car insurance claims, make auto insurance rates increase for millions of U.S. drivers.

According to ABC News, car insurance claim payouts increased by $4.8 to $6.8 billion as a result of fraud in 2007. And because car insurers must recoup what they’ve lost, this means auto insurance rates have been on the rise for drivers everywhere. Other costs of car insurance fraud include the fact that drivable cars are being taken out of the market, meaning higher prices for used and new vehicles everywhere. Although stopping car insurance fraud is the job of law enforcement, it is important to note that the cost of failing to make car insurance payments is lower than the cost of committing car insurance fraud.

Are Cars With Powerful Engines Quoted Higher Auto Insurance Rates

One thing to consider when dealing with auto insurance is the fact that the type of vehicle that you drive will have an impact on your auto insurance rates. These rates are taken on a case-by-case basis, so it can be difficult to predict exactly how high or low your auto insurance rate will be. This is why it’s vital that you get a quote from a reputable insurance company. One factor that causes auto insurance rates to increase is the size of the engine, as larger engines typically mean more power.

The reason why your auto insurance is affected by this power is that people are more likely to engage in risky driving behavior if they have the power to do so. If someone is driving a family sedan, he or she will be less likely to drive in an unsafe manner than someone who is driving a high performance sports car. The reason is that people purchase these sports cars so that they can drive in this manner and, therefore, it makes sense that it should impact their auto insurance rates. This is especially true for inexperienced drivers. Young drivers will see their auto insurance rate increase substantially if they purchase a car with a large and powerful engine.

This risky driving behavior is not the only thing that influences an individual’s auto insurance, however, as the price of the car also affects the rate. Cars with more powerful engines tend to cost considerably more than cars with smaller engines and, therefore, it will cost the insurance company even more to replace the car if an accident does occur. The higher auto insurance rates are meant to compensate for the higher cost of the vehicle along with the higher risk of that vehicle being involved with careless driving behavior. That is not to say that those who drive cars with powerful engines should be discriminated against, but auto insurance companies must protect themselves against losing money due to the actions of irresponsible drivers.

If you drive a powerful car and you’re a good driver, then your auto insurance rates should return to lower rates in due time, especially if you are experienced. This measure is really meant to protect auto insurance companies against the risky behavior that some individuals engage in. The bottom line is that people who spend that much money on a car usually do not do so in order to drive it in the same manner that they would drive an ordinary car. These vehicles are high performance machines and car lovers purchase them in order to experience this luxury to its fullest extent. While there is nothing wrong with that, insurance companies simply have to protect their assets.

3 Reasons Why You Should Not Risk Driving Without Proof Of Insurance

One of the most surprising aspects of auto insurance is that there are still so many people out there who choose to drive their vehicles without proof of insurance. It is very simple to acquire valid proof of insurance, so it is baffling when people do not take the time to invest in proof of insurance. By simply putting the proof in their glove compartment, drivers will not have to worry about facing fines due to lack of insurance. If you do not carry adequate proof of insurance, it is best if you remedy this situation as soon as possible in order to prevent potential future problems. This proof is usually included in your auto insurance premiums. Because of this, it won’t likely cost you any additional money and it only takes a few seconds to print out.

One reason to carry proof of auto insurance is to ensure that you do in fact have insurance from a legitimate company. There are companies out there that might try to scam you by offering you low auto insurance rates. While these lower auto insurance premiums might seem like a great deal, it may turn into a problem in the long run as you won’t actually be covered if something were to go wrong. If a company is unable to provide you with proof, it should be a red flag for you to step away from what that company is offering.

A second reason to carry proof of auto insurance is in case you’re pulled over by a law enforcement officer. Since it is mandatory to have auto insurance, you can receive a ticket if you do not have the proper proof. This is because the police officer who pulls you over can ask to see this proof in order to verify whether or not you actually have insurance. Driving without insurance is a serious crime, so officers have every right to ask these questions and demand proof. It is simply easier on you if you carry proof of auto insurance because you will not have to deal with the hassle of being questioned.

Finally, if you wish to purchase a new car, you will have to provide proof of auto insurance before a lender will agree to loan you the money. This is because the lending company wants to make sure that it will get its money back, even if you are in a car accident. For this reason, many dealerships will ask to see proof of insurance on a previous car before allowing you to finance a newer one. Fortunately, it’s easy to find auto insurance policies that include this proof.

Turn Your Clunker into Cash — Escort or Ram Van?

How do you turn your hot 2002 Ford Escort into cold, hard cash? No problem, Uncle Sam can help. In an effort to stimulate the challenged U.S. auto industry, in June, Congress passed what is now being hawked as the “Cash for Clunkers” Act. Officially, it’s a government program called CARS (Car Allowance Rebate System). Unfortunately, you won’t actually ever see the cash. Instead, you’ll save up to $4,500 on top of any other savings at your auto dealer when you trade in your beaten up jalopy. Your dealer then gets the rebate from the government. It’s not a bad deal. You could end up double or even triple dipping on the savings. If you purchase a fuel-efficient hybrid, you can still qualify for a federal tax credit. Add on top of that any dealer incentives, plus the $3,500 or $4,500 from the government and all of a sudden that new ride is looking pretty good.

Plus, you’ll finally be able to retire that late 80’s hunter green, high-top Dodge Ram Van with the wicked panel art, running boards, and after-market Blaupunkt cassette player. Hmm, on second thought, trade in the wife’s mini-van instead. You never know when you’ll need to find a quiet escape in the warm embrace of your coffee-stained captain’s chair with Boston’s “More Than a Feeling” setting up on entertainment system.

OK, let’s get to the basics. Here are the rules to know:

1. Your trade-in vehicle has to be less than 25 years old.

2. You need to be purchasing or leasing a new vehicle to qualify.

3. In a nod to the Green movement, the program is designed to take old, gas guzzlers off the road. So your trade-in vehicle must get 18 or less MPG (some very large pick-up trucks and cargo vans have different requirements). Be safe, and double check that your vehicle qualifies before you race over to your auto dealer.

4. Trade-in vehicles must be registered and have auto insurance continuously for the full year preceding the trade-in date

5. Act fast because the program runs through the earlier of November 1, 2009 or when the $1.0 billion program funding runs out. As of today, there was $858 million left in the kitty, or just about enough for another 200,000 sales.

6. Because the program is intended to permanently remove these wasteful, rust-buckets, the dealer is also required to estimate the scrap value of your trade-in and will throw that amount, however small, on top of the rebate as well.

More detailed Program FAQ’s can be found here or call the CARS Hotline at (866)-CAR-7891.

Last, but not least, it is critically important that you get the right auto insurance for your new vehicle. Remember, cruising around in a brand new gem is going to be a lot different than your last ride. And with your hard-earned $$ at stake, you need to make sure you’re covered. In keeping with the money-saving spirit of the “Cars for Clunkers” program, go no further than to get the lowest quotes on your auto insurance.

Driving Without Auto Insurance

If you drive a car in California, you must have auto insurance with no exceptions! California auto insurance is designed to protect all parties involved if you have an accident. It provides for car repairs and medical expenses. Without California auto insurance you could not only be held financially responsible for the medical and repair bills of the drivers you hit, but you may also receive tickets, fines and even have your license suspended for not having a California auto insurance policy.

Living in California is expensive and auto insurance is yet another bill to pay. But if you don’t have it, you’ll end up paying much more in the long run. If you are pulled over for any violation, or even just in a random traffic stop, you can be asked for proof of insurance. Without it, you will probably face a hefty ticket, costing more than auto insurance would have cost you in the first place! Of course, this is the least severe penalty you might entail for failing to get California auto insurance. You can be fined up to $500, have you car impounded, receive a suspension of your driver’s license and face additional fees associated with impounding the vehicle.

If you actually get into an accident without having auto insurance your penalties will be much more severe. While no jail time can be currently assigned for failing to have auto insurance, you can be held responsible for literally thousands of dollars which can drive you into life-changing debt.

Despite these harsh penalties, people still drive without auto insurance, putting themselves and others at risk. In fact, around 14 out of every 100 drivers in the U.S. were driving illegally, without auto insurance, in 2001. This number was the same in years prior. Many states, however, have rates of uninsured drivers that are much higher than the national rate. Those who drive without California auto insurance added up to a shocking 26% in 2001. But what is most shocking about this number is that the uninsured drivers cause the largest number of accidents. In fact, chances are about 1 in 8 that the person that causes your serious car accident is uninsured.

In order to protect yourself and others, getting at least the minimum state required auto insurance is crucial. In fact, you might even find that getting an auto insurance policy is cheaper than you think. It’s certainly cheaper than paying the fees and fines associated with driving uninsured. And because getting an auto insurance quote is free, it’s easier and cheaper than ever to drive legally and insured.

What Every Woman Should Know About Insurance

Thinking about the loss of your husband is difficult, but the reality is close to 70 percent of wives in the Baby Boomer generation or expected to outlive their spouses. Besides the psychological, social and emotional impact a husband&rsquo^s passing on our lives, we must also cope with the financial quandary associated with the multitude of insurance policies and coverage. If you have not already prepared the necessary documents and phone numbers, compiling them after your husband&rsquo^s passing can be an overwhelming task.

You must first determine what, if any, health insurance, auto insurance and life insurance as been purchased to cover your husband. Begin by looking in your safe deposit box and through documents in your home. Talk to the human resource department at your husband’s place of employment. Another resource is bank records – you can pull them and review for transactions that appear to be insurance-related. Speaking with your auto insurance agent and home insurance agent may also help you to track down any pertinent insurance coverage.

Once the applicable auto insurance, health insurance and life insurance policies are identified, you will have to determine the claim-filing process and what documents are required in order to file a claim. Then, you must decide what type of payment arrangement will transpire and how it will take place.

Preparing yourself for a loss such as this by compiling essential documents ahead of time will take a lot of stress out of an already traumatic situation and can allow you more energy to cope with your emotional and mental wellbeing.

Assemble Essential Documents Ahead Of Time
Within one week of your spouses passing, you should have completed the necessary paperwork to receive any financial benefits to which you are entitled. These include:
• Proceeds from life insurance policies
• Employee benefits
• Social Security
• Benefits from spouse’s labor union
• Benefits from spouse’s credit union
• Veterans’ Benefits

Keep in mind, in order to secure these benefits, you will need the following documents and information, which (except for death certificate) you should assemble now and secure in a safe place where they can be easily accessed when necessary. Work together with your spouse to compile and file these documents, so that you both know where they are located.

Essential Information Checklist

• Name:
• Social Security Number:
• Date of Retirement:
• Date of Birth:
• Place of Birth:

• Date of Marriage:
• Place of Marriage:
• Income Tax Records:
• Checking Account Numbers:
• Savings Account Numbers:
• Auto Insurance Policy Numbers:
• Health Insurance Policy Numbers:
• Life Insurance Policy Numbers:
• Home alarm codes and information
• Safe deposit box information

(If government employee, military or veteran)
• Retired Rank / Grade:
• Branch of Service:
• Final Duty Station:

Essential Documents Checklist
• Death certificate (You will obtain this from the county health department or funeral director. Get a dozen copies if possible. If that is not possible, make 12 copies of the original and have those notarized as true copies.)
• Thorough list of total property including: assets, debts, trusts (and dates completed), executors, money market accounts (and numbers), annuities, dividends, interest earned, part time jobs, businesses, brokerage accounts, 401K, stocks, IRAs, bonds, treasuries, list private residence, vacation property, autos, recreational vehicles, home alarm codes and information, pets, safe deposit box information, etc.
• Marriage certificate (If you do not have this on hand, obtain a copy from the courthouse in the county where you were married.)
• Auto insurance policies
• Health insurance policies
• Life insurance policies
• Disability insurance policies
• Spouse’s will
• Birth certificates of your children and/or dependents
• Spouse’s certificate of Discharge from the Military (DD214)

Important Phone Numbers Checklist
If your spouse passes, the following is a checklist of phone calls that should be made as soon as possible. Compile phone numbers now so that they are handy in the case that you need them.

• Social Security Benefits:
(Notify Social Security immediately. This is important because any benefits paid after your husband’s passing will have to be paid back.)
• Auto Insurance Policy Benefits:
• Health Insurance Policy Benefits:
• Life Insurance Policy Benefits:
• Real Estate Contact:
• Tax Preparer:
• Banker:
• Lawyer:

(Essential phone numbers for military and veterans)
• Military Retired Pay:
(Military retirement pay stops upon your spouse’s death. You must report your husband’s passing to the appropriate military branch’s accounting system. This is very important, because any retirement pay that is paid after your husband’s passing will have to be paid back.)
• Military Survivors Benefit Plan:
• Veterans Administration:
(Again, any money paid after your husband’s death must be paid back. The VA can also assist you with other aspects of your husband’s military benefits.)

Financial Issues To Prepare For
The following is a list of financial issues you should be mindful of and recommendations to follow, which could make managing your financial situation easier were your husband to pass away.

• Determine monthly expenses and design a budget for your household
• Establish priorities and discern how much income you can invest and save to reach your financial goal
• Transfer all investment accounts and retirement plans to your name
• Settle your estates
• Change beneficiaries on insurance plans and update will
• Review and make any other necessary revisions to your auto insurance plans, life insurance plans, health insurance plans and disability insurance plans.

Protecting Your Convertible

In your eyes, a convertible is sleek and sporty, the ultimate vehicle for your summer fun. But the only thing that many auto insurance companies see is a vehicle with greater liability. While conventional wisdom once dictated that cheap car insurance for convertibles was an impossibility, savvy convertible-owners can now find affordable rates by searching online car insurance quotes. Prospective convertible drivers need not worry; simply keep some of the following considerations in mind and you can have the wind in your and a cheap auto insurance.

Know the risks.  Car insurance companies typically rationalize higher rates for convertible because of the significantly lesser protection a soft-top provides. These risks are equally important for you, as the owner, to be aware of. They include:

•    Greater risk for theft. Obviously, when your top is down, the interior is accessible. Lock valuables inside the glove compartment and park in well-lit, crowded areas.
•    Less protection from the elements. Canvas and soft-top roofs do not insulate from cold, heat and moisture as well as traditional sedans – especially if you leave the top down in the rain! Keep abreast of the weather and park in a covered carport or garage.
•    Wear-and-tear and maintenance costs can be greater. A breakdown in the mechanism that opens and closes your roof can be very costly. Ensure that it's covered by the manufacturer's warranty.

As always, it is best to avoid a circumstance where you may have to file a claim. Convertibles take a bit of extra care, but being mindful can go a long ways in keeping your cheap car insurance premiums low.

Consider your insurance options. The actual model of your car plays a greater role in determining whether you will be able to find cheap auto insurance rather than the simple fact that it is a convertible. In this case, the added costs on your premium will largely depend on the optional coverage you receive. While all states require a certain minimum to cover liability for bodily injury and property damage, coverage for your car in the case that it is stolen or damaged in accident is variable depending on your insurance plan. Certain models are more likely to be stolen or driven in a reckless manner and are thus more expensive to insure. In order to find the best rate, search for online auto insurance and compare and contrast several quotes.

Safe drives pay less. As with all automobile types, affordable auto insurance rates are given to the safest drivers. Whether you are driving a convertible or minivan, your rates will always be lower if you can show a clean driving record with no accidents or moving violations. Proving that you are responsible driver can help you get cheap car insurance regardless of what you are driving.

Don't let potentially exorbitant auto insurance costs prevent you from driving your dream car. Through a combination of diligent research, safe driving habits and online car insurance quotes, cheap car insurance plans for convertibles can easily be a reality.

Motorcycle Insurance Policy FAQs

Motorcycle insurance differs slightly from typical auto insurance, but they also have many similarities. Here are some other differences regarding motorcycle insurance versus car insurance, and how it affects you as a driver and consumer.

Do I need a special license to operate a motorcycle?

Most likely the answer is Yes. Nearly every state in the USA motorcyclists are required to get special licenses to operate their two-wheelers. A simple drivers license policy does not suffice, and a motorcyclist will have to contact their local Department of Motor Vehicles (DMV) to find out their specific state requirements for their license. And, just like automobiles, nearly every State also  requires motorcycles and their drivers to be insured.

Does my automobile insurance cover my motorcycle?

No. You must get motorcycle insurance specifically. If you are in an accident, you will NOT be covered unless you have motorcycle insurance.

Do I need special motorcycle insurance?

In nearly all states, the answer is Yes. The amount you pay for motorcycle insurance will differ from your automobile insurance rate, but whether it is higher or lower depends on you and your vehicle. Motorcyclists can get all the usual vehicle insurance coverage including: Liability Coverage, Comprehensive Coverage, Collision Coverage and Underinsured/Uninsured Motorist Coverage.

What factors are included in determining motorcycle insurance costs?

Insurance rates are based on a several different factors, all rooted in the amount of RISK you present to their company As a rule of vehicle insurance, high-risk drivers/riders are more costly to insure than low-risk drivers. High risk drivers are more likely to be in an accident, whereas low-risk drivers/riders are less likely to get in a wreck and therefore cheaper to insure. The factors included in determining if you are high-risk or low-risk include: credit history, driving history, age, gender, type of vehicle to insure, income, safety course completion, geographic location and more.

Is Motorcycle Insurance more costly than car insurance?

Motorcycle insurance is sometimes more costly, as the injuries in motorcycle accidents are usually more severe and the hospital bills are therefore higher. However, this can be offset by the value of your motorcycle, as it could be far less to repair than a car. Again, this depends on your personal situation and the type and value of motorcycle you are riding. 

What are some discounts I can get on Motorcycle Insurance?

Riders looking to get cheap motorcycle insurance should first complete a rider's safety course. Additionally, they should wear a helmet. Here are some other possible motorcycle insurance discounts:

•    Maintain a good driving record.

•    Inquire about a "lay-up" policy, which would suspend motorcycle insurance coverage during the Winter months when the bike is laying dormant.

•    Check on multi-bike discounts, or multi-vehicle discounts.

•    Some insurance companies offer a discount for low-mileage riders. That is, the fewer miles you ride, the less your insurance.

Be sure to ask your traditional or online motorcycle insurance company about specific discounts they offer. You might be surprised how easy it is to save a buck and get cheap motorcycle insurance.

Six Steps to Safe Summer Driving

Rather than flying off to some exotic destination, more and more people are opting to stay closer to home for their Summer vacations. These vacations close to home have been recently deemed "staycations," which is basically a fancy name for the good-old family road trip. If you are planning a road trip this Summer, here are six steps to safe summer driving, to be sure your trip goes as smoothly as planned.

1.    Get a Check-Up for the Vehicle: Its smart to have your vehicle inspected at the beginning of both Summer and Winter. They type of oil and fluids your car will use differs from the hot weather months to the cold weather months. Take your car to a service center and ask them to give your car a Summer check-up, including checking the fluids, testing the belts and cables, checking the wiper blades, testing the battery, and giving it an oil change or tune-up. The type of oil you use in Summer will be thinner than the thick oil used in the Winter. Plus, your radiator will likely need to be filled with a coolant (like water) rather than anti-freeze. The spark plugs may also need to be changed after a long Winter of hard use. Any experienced mechanic or service center will be able to properly prepare your car for Summer. This is good "preventative maintenance" so you don't run into problems on the road. But, just like health insurance doesn't cover preventative medicine, online car insurance and traditional car insurance companies do not cover this routine maintenance. The cost will come out of your own pocket, but it is well worth the investment.

2.    Stay Sober, Stay Alert, Stay Focused: Everyone knows that drunk driving is one of the leading cause of deaths in this country — so don't do it! However, driver fatigue and distractions are also major causes of traffic accidents and deaths each year. In fact, studies have shown that texting while driving is equally as dangerous as driving while drunk or impaired. Don't take that risk while driving a car full of kids and family members. If you must communicate via phone or text, ask someone else in the car to do it for you. Or, have someone else drive. This also applies to driver fatigue. Be sure to switch drivers often, and pull over and take a rest if you feel sleepy. Sometimes it just takes a walk around a rest stop or visit to a road-side attraction to get re-invigorated for another couple hours on the road.

3.    Have Child Seats Checked: Many local social service agencies or fire departments will offer free child seat checks periodically at the beginning of Summer. Take advantage of this free service. Stop into the location where the check is being held and have them inspect all of your child seats. They will be able to tell if they are installed properly, as well as if they are the right size for your children.

4.    Get New Tires: Yes, it may be expensive, but a fresh set of tires is a good, safe investment for your car and family. This is especially true if your vehicle has Winter tires or off-road tires on it. Change them to Summer tires, which are smoother, yet grip the road better in wet conditions. Consult with your local tire shop to see which type of tires will be best suited for your car. Also, get quotes from at least three different shops so you find the best price. Unfortunately, unless the tires are damaged due to vandalism or other events, your online car insurance company will not cover the cost of new tires.  

5.    Review your Car Insurance Policy: Before heading on a long road trip away from home, be sure to have your online car insurance policy or local car insurance policy checked. Be sure that you have the right coverage for your situation. For example, you may want to have road-side assistance coverage in the case of a break-down. You may also want to expand to full-coverage or comprehensive coverage, given the amount of travel you will be doing.  

6.    Prepare an Emergency Kit: People often make Winter survival kits for their vehicles, but a Summer survival kit is just as important. Here are some items to include in your kit (not counting the iPod or DVD player):

•    Flashlight with extra batteries
•    Mobile battery charger or road-side jumper kit
•    Bottled water
•    Non-perishable food
•    Tool set
•    Road flares (to alert drivers if you must change a tire at night)
•    First aid kit
•    Emergency tire inflation kit

Remember to check with your online car insurance company about road-side assistance coverage. It can be a life-saver, in more ways than one. To find cheap car insurance, check for fast, easy auto insurance quotes from around the country.

Driving an Exotic Car & Insurance

Most of us have certain “dream cars” that we would love to own or drive at some point in our lives. For me, it would have to be a Lamborghini Gallardo or old school Ferrari Testarossa. Lucky for me, there are many services that offer exotic car rental – so one day I could head to Europe and have a Lambo delivered to me for a few days of driving debauchery on the AutoBahn in Germany. The costs for renting an exotic car per day in Europe range from $2k-$10k+, but here’s the catch. In addition to that fee, you have to typically pre-pay around $25k as a deposit as well as insurance fees. Keep in mind the deductible could be as high as $5-$10k or more!

In the U.S., it is an easier process. Most people that have been to the Vegas strip have seen the many exotic car rental shops in between the Bellagio and Mandalay Bay. Costs for exotic car rental there start as low as $400-$500 per hour of pure unadulterated fun. On top of that, you can simply use your existing auto insurance policy to cover you while driving. Keep in mind that you should review the deductible on your policy as well as personal injury and property damage limitations. It is always a good idea to run the idea by your car insurance company before dropping a lot of money to put your financial and physical future at risk while speeding through the Nevada desert. In addition to watching out for auto insurance issues, make sure to watch out for “the fuzz”. Last time I was there, I saw speed traps set right outside of the main city area as the desert roads open up for miles and miles. Getting a speeding ticket would be a terrible start to living out one of your life dreams!

The ABCs of Auto Insurance

One of the first questions people ask when comparing auto insurance is what determines the cost? With auto insurance, many variables factor into the ultimate cost. The following are some of those main things that determine how much you pay for a policy. I’ve broken them down into two categories–the things you can’t control and the things you can control:

Why Worry About Things You Can’t Control? You Can’t Control Them!

1. Where You Live. The place you live will impact your insurance rates. Besides the rate differences from state to state, living in a city, where you can naturally expect higher claims from traffic accidents, thefts and vandalism, will be pricier than in the burbs and more rural areas. Some would argue that this is something you can control. I would answer with a question, “How many people do you know who sold their houses and up-rooted their families just to save on auto insurance?”

2. Sex. No, I’m not referring to the quality, frequency, style or preference–most of which you can control–unless, of course, you’re like me and you’ve signed over your “performance rights” to your significant other. It’s gender that impacts auto insurance rates. Yes, gents, the fact is that we have more accidents than the ladies. So for the sins of a few, all men end up paying more. A little unfair? Perhaps, and some states are eliminating gender-based underwriting. Oh, and let’s not argue over whether this is one you can control. I can double check with Dr. Phil on this one, but I’m pretty sure lower auto insurance rates is not a major reason behind transgender surgery.

3. Age. Bottom line, if you are 16-25 you will pay more for insurance. It should come as no surprise that the inexperience and recklessness of our ADHD-saddled youth leads to more dust-ups and fender benders. Ah, youth is wasted on the young. It also makes sense that when we turn 26, get married and have kids, the world slows down just enough to make the auto insurers sleep a little easier.

Why Worry About the Things You Can Control? If You’re Worried, Change ‘Em!

4. Get Yourself a Spouse. It’s a known fact that married couples are safer drivers. If you disagree, just call up one of your bachelor or bachelorette friends and tell them you feel like taking a ride on the open road. What you’ll likely get is a thrill ride, music blasting, heading straight towards a destination of other joy-riding singles seeking the same. Then follow it up immediately with the suggestion to a married couple that you’d like to take a day trip out of town and that their car would be perfect. You’ll need about two minutes in the minivan to understand what the statistics tell the auto insurance companies–married couples are more careful. And the on-road conservatism isn’t only dictated by a dissipating level of testosterone, but rather the lovingly, sung chorus, “Honey, please slow down”. And yes, tying the knot or staying single is definitely in your control, until, of course, your guilt-producing parents start the “when are you going to give me a grandchild?” chatter. And if arranged marriages are in your future, feel free to move this up to the previous category, and consider this a new-found benefit.

5. Credit History. OK, here’s another reason to irrationally monitor your credit rating 24/7. The auto insurers have established a direct relationship between credit history and expected claims. If you’ve missed a few credit card payments, or you’re levered up like a Wall Street buy-out king, and your credit score is below 650, you’ll likely pay more for your insurance. Unfortunately, this gives the “free credit report” marketers more reason to pollute the airwaves with lame, pseudo-user generated indie bands making up songs about credit scores.

6. Driving Record. Simply put, if you are a good driver, you’ll pay less for your insurance. For the most part, you have control over your driving destiny. Here are some helpful tips to consider when behind the wheel: don’t speed, don’t eat (especially spring-loaded Chalupas from Taco Bell), don’t text, don’t use a cell phone (except hands-free), don’t read the paper, don’t day-dream, don’t fall asleep, don’t do needlepoint, don’t watch TV, don’t blog, don’t run red lights, don’t run yellow lights that you know will turn red, don’t hit anything, don’t park under falling tree limbs, etc… To the extent you’ve had an accident or traffic violation in the prior 3-5 years, you will pay more for your insurance.

7. Your Ride. Choose wisely. The model and make of your car will have a direct impact on your insurance costs. If your vehicle is one that is popular with the car-jacking set or is just prone to higher historical claims, then you’ll pay more.

These are some of the important factors that go into the formula that determines your final auto insurance quote. There are other factors too. In the end though, the best way to get the best quote for your insurance is to start at and let the insurance companies compete for your policy. Ultimately, this is the best way for you to save big bucks.

Car Leases Are Harder To Find Than Ever

In this economy, it has become abundantly clear that things have changed drastically in the auto industry. Many of the big names are on the verge of bankruptcy while others are bringing innovation to the forefront in terms of new cars and technology to save the environment. In the midst of this, car shoppers are facing a tough task in choosing the right vehicle and getting their hands on it.

Over the past decade or more, many people have chosen to lease cars as opposed to buying them. Simply put, leasing a car allows you to make fixed monthly payments for a set term for a vehicle that roughly mirrors the expected depreciation of that auto. At the end of the term, you return the vehicle to the dealership. So, while you pay monthly payments to use the car, it works almost like a long term rental but is economically fair for you and the dealer as the depreciation is paid for by you. Of course, the true financial model typically leaves the lessee (the consumer) with a higher residual value than the car is actually worth at the end of the term. That gives the lessor (car company) an advantage when they receive the car back at the end of the term as the lessee typically pays more depreciation than the car has actually depreciated. On top of that, playing with other items such as the money factor gives the lessor an advantage. All in all, it wasn’t such a bad deal for either party – until now.

You may have noticed (if car shopping recently) that most of the big U.S. auto makers have halted leasing as an option on their automobiles. A car buyer used to have the choice of buying a Jeep Grand Cherokee for a fixed price or paying a monthly lease fee. The practice has stopped for many reasons. Number one, the actual depreciation is only one piece of the pie. With gas prices rising and so many people out of work, it is easy to forecast parking lots full of returned lease vehicles that have terrible fuel efficiency and lower demand. That means, their actual values will fall and the auto makers/dealers will be left holding the bag as consumer demand dries up. Number two, many of the car companies do not even know if they will be in business in the future to receive those vehicles and try to sell them in the aftermarket or lease them off to a car rental company. Number three, technology may change entirely with mass produced hybrids where these older gas vehicles will be worthless. And number four, American cars have been eclipsed by Japanese and German players in terms of holding their value and overall consumer satisfaction (and even gross sales!). So, all in all, it is a case of very poor visibility for the U.S. auto industry. Many of the more solvent international players are still leasing as their vehicle line visibility is high.

So, what does this mean? The already teetering auto manufacturers have one less way to make a sale and one more reason to lose that sale to a Japanese car company. Consumers who are typically lessees, will shun the U.S. car companies. If a car company does not have faith in the value of their vehicles and the overall economy – enough to halt leasing programs – why should the buck be passed to the consumer to have faith in the value of the vehicle and the overall economy? This will be an interesting few years or more for the automotive industry. It is interesting to note that the auto insurance players still seem to be advertising in a big way in the midst of this industry shake up. Lease or buy, we all need car insurance and we all need to get auto insurance quotes to see how much we can save on our monthly payments.

What Does Full Coverage Mean?

What Does Full Coverage Mean?

In today‘s market, there are an absurd amount of options to choose from when insuring your automobile. There are a wide range of different levels of car insurance plans for different needs and different budgets. It is very important to know what you are paying for with your plan and what is all included in your coverage. You want to pay for only what you need and deserve, especially when the cost of everything around you is on the rise.

The Definition of Full Coverage

One common term that is often used when describing automobile insurance is full coverage. What does full coverage actually mean? Often times the term full coverage is used to refer to a plan that includes and covers more then just liability damages and costs of an accident.

It is important to keep in mind that different car insurance companies offer different full coverage packages and plans – not all full coverage policies offer the same coverage.

Obviously, in most cases, the more you pay the more the plan will include. Some car insurance companies‘ full coverage includes the repair of your vehicle, and if you were at fault and the accident was caused by you the repair of the other damaged vehicle or property involved as well. Depending on the full coverage plan, any injuries caused by the accident to you or others may also be covered.

With all the variances in full coverage options and packages it is very important that you know what is all going to be actually covered under a full coverage plan.

Most full coverage auto insurance plans will cover the costs of:

  • Vehicular damage, even if you are at fault in the accident.
  • Medical costs for you, no matter who is at fault.
  • Medical costs and vehicle damage to other parties, if you were at fault.
  • Acts of God, such as hail damage, tree limbs falling, etc.
  • Vandalism and non-accident related damage.

One automobile insurance company‘s full coverage plan might be equal to or less effective for you than another car insurance agency‘s comprehensive plan. It is essential to know what your car insurance package includes and what coverage you are exactly paying for.

What Factors Into a Full Coverage Rate

There are lots of factors that play a role in determining your car insurance rates. Gather your information and go about getting the best and most affordable coverage by knowing what it is you are looking for and what it is that you need from your car insurance. Consider the age and condition of your vehicle, your past driving record and what rates are like in your geographical region to help determine the amount of coverage you need. Rates are determined by:

  • Driving record of primary and secondary drivers
  • Age of all drivers
  • Credit history
  • Age of vehicle
  • Value of vehicle

Remember, when shopping around for automobile insurance it is important to think about, research and investigate what kind of coverage it is that you need. Doing your homework when searching for car insurance can help save you a bit of money. You can work with car insurance companies to find a plan that covers all of these needs and fits within your budget.

How Can I Lower My Teen’s Car Insurance Rate?

How Can I Lower My Teen‘s Car Insurance Rate?

With the rising cost of nearly everything these days, it is important to compare and look around for ways to lower your teen‘s car insurance rates. There are numerous causes and factors that determine how much money it will cost you to get automobile insurance coverage for you and your teen. Everything from your driving record and the teen‘s driving record, the type of vehicle to be insured, the area in which you live, your teen‘s grades and gender, as well as your credit history, can all play a significant role in determining your car insurance rate and coverage. There is a wide selection of actions and options you can take to help reduce your automobile insurance rate for your teen.

The Costs of Being Young

Car insurance for young drivers is often automatically higher due to the fact that young drivers are less experienced behind the wheel and are more likely to be involved in an accident or moving violation. Often times the car insurance companies charge higher rates just for this reason alone.

One way to counterbalance this rate increase is to have your young driver in a car that is less expensive to insure. Obviously the less the vehicle is worth the lower it will cost to repair or replace the vehicle, so your rate will be lower. With the high likelihood of young drivers being involved in an accident due to their lack of driving experience, it often makes sense to put your child in an older model car with liability-only coverage. Considering the age and condition of the car that your young driver is using, it is often logical to carry liability coverage only as both of these actions can play significant roles in saving you on the car insurance rate your child receives.

Another way to offset the higher rate for a young driver is to see what discounts are available. Many automobile insurance companies offer discounted rates to young drivers who have good grades. Many times you can significantly reduce your car insurance rates by showing proof of good grades or a high grade point average. Do some research and ask questions about this type of discount and others that could apply to your young driver.

Other options to help reduce the cost of your child‘s automobile insurance are to combine his or her coverage with your own. Many car insurance companies offer discounts to those who bundle or have more then one vehicle insured with them.

Shopping for car insurance online is another way to find discounted rates. Some automobile insurance companies offer discounts if drivers take a defensive driving class, always make sure to ask online car insurance companies about any discount incentives they have to offer.

It is important to have affordable automobile insurance that covers your needs and is a great resource to use when shopping around for decent, reasonably priced car insurance for your teen. Our website ensures that you find the rates and coverage you need and that will fit your budget. Search now for the best deals on premiums, rates and coverage for your young driver now and get the coverage and service you deserve.

Why Do Insurance Rates Fluctuate By Zip Code?

Often times one of the first questions that you come across when shopping online for car insurance is "what zip code do you live in"? Geographical location plays a major factor and directly affects your automobile insurance rates. Depending on whether you live in a heavily congested traffic area like a major city or metropolitan area or in a rural part of the country where traffic volume is low can significantly increase or reduce your automobile insurance rates. In larger metropolitan areas it is often the case that repairs to a vehicle cost more then for those who live in less densely populated and driven areas of the country.

State vs. State

Different states in the U.S. also have different requirements that need to be met.

In most states it is mandatory to have at least some sort of liability car insurance coverage for your vehicle incase you are at fault in an accident that causes damages.

The minimum coverage allowed varies by state and that is another reason that you must search for automobile insurance by zip code. In different areas across the country, car insurance companies offer different plans and coverage depending requirements and needs.

The Variables of Auto Insurance

Of course these are not the only factors when determining your car insurance rates. Other variables include your age, your past driving record, the type of automobile that you drive and your deductible amount also play major roles in formulating your insurance cost. Weighing these factors is an important part of obtaining automobile insurance.

You need to consider whether full coverage or comprehensive is the best option for you or whether limited or minimum converge that covers liability only is a better option for your car insurance needs. That is why it is so important to do your research before setting out to look for car insurance. Having your facts and information lined up and knowing exactly what kind of coverage and service you need can go along way in saving you time and money on your automobile insurance.

Save Money with Online Auto Insurance

Another great way to help save money is to shop and compare auto insurance online. It is important when searching for online car insurance quotes that you inquire about basic discounts that may be available to you. Always be sure to ask the online car insurance services about any discounts or deals they may be able to offer.

To find the best deals on car insurance rates and service in your area log on to for an efficient way to find the right coverage for your driving and budgetary needs. works with the top automobile insurance companies across the country to find car insurance solutions specific to your state. Of course, you‘ll start by typing in your zip code, so they can find you the best auto insurance online whether you live in Alaska or Hawaii.

Get a Free Auto Insurance Quote to Start Saving Money

In this economy, many people are looking for ways to reduce their costs on a monthly basis. Besides driving less, eating in more and clipping coupons when grocery shopping, there are other ways to save money. We all have fixed monthly expenses such as our cable bill, phone bill and so forth. Many people get auto insurance and then let the policy ride from year to year without seeing if they are over-paying or have too much or too little coverage. A good way to start saving money is to grab a copy of your current auto insurance policy (or print it out). Then, visit and enter your zip code to find trusted auto insurance companies who service your area. Fill out a short form using your current policy as a guideline and then you will be presented with an auto insurance quote that fits your policy needs. Comparing multiple auto insurance quotes will help you possibly save hundreds of dollars per year. Get started with a free auto insurance quote today.