I Need Student Auto Insurance

May 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

As a student here in Delaware, how can I be able to save on my auto insurance coverage? I need to be practical so I have to remember the things that can help me save money.

Kurt

Brandywine, DE

With the help of a little research, you can be able to save money on your auto insurance coverage. You have to understand first the requirements for your auto insurence and know the available discounts. In the state of Delaware, it is required for a driver to get at least $15,000 per person and $30,000 per accident for bodily injury and $10,000 for property damage. Delaware also uses a Tort system that requires the at-fault driver to pay the damages for all the people involved. You also need to get personal injury protection or PIP coverage of $15,000 per person and $30,000 per accident.

To get all the savings that you can on your auto insurance, you should get all the discounts you qualify for. These include:

Good Student
If you have a GPA of 3.0 or better in school, you can qualify to get this discount with the auto insurance companies that offer it.

Defensive Driver
If you have finished a defensive driving course, you can qualify for this type of auto insurance discount.

Safety Devices
If you install safety devices in your vehicle, you will be considered less of a risk by auto insurance companies and you may be offered a discount on your auto insurance for it.

Need Auto Insurance?

May 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I’m new here in Connecticut and I have to get auto insurance ASAP and I just have a question about it. Is uninsured and underinsured motorist coverage required in this state or can you do without it? I just feel that it’s very important for every driver to have it and some other types of optional coverage so I think I’ll get it even if it will not be required.  I really need auto insurance at a very affordable price right now, please give me some pointers.

Luke

Stamford, CT

Several auto insurance carriers in Connecticut are battling against one another to provide the most competitive prices for your auto insurance. You could collect different quotes from several auto insurance carriers with the assistance of their agents and brokers and then select the most appropriate auto insurence for your automobile. For your auto liability coverage, you need to get $20,000 for one individual and $40,000 for all individuals for bodily injuries in one accident and $10,000 for property damage. You may opt to get higher auto insurance coverage to get the best protection for you and your vehicle.

In the state of Connecticut, it is required that you get uninsured and underinsured auto insurance coverage to protect you and the passengers in your vehicle in the event of an accident with someone who doesn’t have auto insurance or someone who doesn’t have enough coverage. The minimum coverage that you can get is $20,000 for one individual and $40,000 for all individuals in an accident. In the event that the auto insurance coverage of the at-fault driver is not enough, you could get your medical and other costs through underinsured motorist coverage.

Though not required, the other types of coverage that you can get for your auto insurance include collision, comprehensive, towing, rental charges, medical payments, etc.

Need Affordable Auto Insurance?

May 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I need to take note of the important things that impact my auto insurance premiums here in California, will you help me out on that?

Rafael

Fremont, CA

There are mainly five negative and positive things that could impact your auto insurence premiums in California. The negative things include:

Accidents
You will be considered high risk by auto insurence companies if you have been to a lot of accidents, thus getting higher premiums for your auto insurance.

Speeding Tickets
You will also get higher rates on your auto insurance if you have a lot of traffic tickets and speeding violations.

Bad Credit History
You will be considered irresponsible and higher risk by auto insurance companies if you have a bad credit history.

Age
Most drivers under the age of 23 get higher auto insurance rates than other drivers.

Adding a Teen Driver
If you are a parent and has a teen driver listed on your auto insurance policy, this means higher premiums because statistics show that teen drivers have high accident rate.

To turn these things around, take note of the following positive things to get lower auto insurance premiums.

Safety Devices
Installing safety devices on your vehicle would definitely help you get lower rates on your auto insurance.

Garage
Make sure that your vehicle is parked in a locked garage during night time to avoid theft and vandalism.

Low Mileage
The less you drive, the lower the risk of getting into an accident, thus lower auto insurance costs.

Extra Brake Light
To aid in avoiding other drivers to bump into you from behind, make sure you install this in the rear windshield.

Safe Driving
If you don’t get into accidents and be a safer driver, most auto insurance companies will reward you with discounts.

Need Auto Insurance After DUI

May 13 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I have a DWI on my record and my insurance si very expensive. Can I do anything to make it lower?

Carmi

Austin TX

If you have a DWI/DUI in your driving record, auto insurance generally higher than those who have no accident or traffic violations in their record. The reason for this is because most insurance providers see drivers which as DUI in their record as a risk.

If you have been convicted of DWI, generally you will be required to get an SR22 in most states. It would be difficult for you to get cheaper car insurance rate if you have DWI on your record. If you try to keep a clean driving record you will eventually get a cheaper auto insurance rate.

The best way to get the cheapest auto insurance rates after you have been convicted of a DWI is to shop around for quotes. There are various comparison website just like the one you see above where you will only have to place your zip code and personal information once, and get up to 12 quotes from various insurance companies. In this way, you will be able to decide easily which companies offer the best quote.

You may also get insurance discounts if you have safety features in your vehicle. Also, you may also be able to get discount if you take defensive drivers course. Make sure what discounts you may be eligible of to help you get the lower auto insurance rate.

Need SR22 Car Insurence

May 13 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I was convicted of driving under the influence and I was told that I need to get SR22 insurance? What is an SR22?

Richie

Chicago IL

If you have been convicted of DUI, the state will require you to file for an SR22 before you will be allowed to drive again. To get your license and driving privileges back, you need to provide the state Department of Motor Vehicle with an SR22 form certifying that you have motor vehicle liability coverage.

Generally, SR22 needs to be maintained for a period of three years. You are not going to file for the SR22 all by yourself. You need to get the SR22 form from your existing auto insurance company. When you go to your auto insurance company to request for an SR22, your company will consider you as a high risk driver and charge you with expensive premiums. If you are convicted of DUI, your car insurance premiums will double and in some insurance companies, even triple. Not all insurers provide services on SR22 insurance filing. So you may want to shop around first and look for car insurance companies that specialize in high risk auto insurance policies. You also need to be sure that you keep your SR22 in file until the DMV tells you that you no longer need to carry it. If your SR22 policy is canceled, terminated or has lapsed your auto insurance company needs to notify the state Department of Motor Vehicles under SR22 laws. If your SR22 insurance is not on file with your state, your driving license and privileges remain to be suspended.

The only way to avoid going through the auto high risk insurance status is to be a safe driver and lessen the number of violations on your driving record over a period of time. Improve your driving habits and work towards getting out of your SR22 status.

I Need a Cheap Car Insurance Rate

May 13 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

Im tired of paying high car insurance rate? Is there even such a thing as cheap car insurance? If so how can I get this? Thank you in advance.

Ron

Miami FL

Car insurance companies want to avoid the risk of paying more so they charge relatively high car insurance premium. As a buyer, you want to avoid paying more from the high insurance premium so you look for cheap car insurance premium by shopping for car insurance rate. Other than shopping, there are other things that you can do to make cheap car insurance rate possible. There are controllable and uncontrollable factors.

a. Because teens are aggressive drivers, they are likely to get involved in a car accident. This group is then charged with high car insurence rate.

b. Another uncontrollable factor is gender. Based on statistics, female are safer drivers than male. Thus, the former receives cheap car insurance rate.

You can make rate cheap by controlling the following factors.

a. Collision and stolen cars are more prevalent in urban areas than in rural areas. In this case, auto insurance rate is higher in urban areas than in rural areas.

b. If you have a good driving record, you are likely to receive lower rate or discount because insurers will think that you are a responsible driver. Moving violation and even a single speeding ticket can make you look like a reckless driver.

c. Sports cars or new model of cars pose high risk to car insurance company. If you want to purchase cheap car insurance rate, stick with your old car, if you have one. If you plan to buy a car, purchase a car that is cheap but has all the features that you need.

d. The kind of occupation you have correlated by car insurance companies to risk. If your work is delivering pizza, for example, you are also likely to get into traffic accidents or crashes because you are always on the road. In this regard, car insurance companies will charge you with high car insurance rate.

e. Keep a good credit rating because car insurance companies also use this to evaluate the risk you pose. If you don’t have any credit history, get one. Otherwise, car insurance company will automatically assess you as a high risk driver.

Other factors that you need to consider are driving experience, business use of car, safety feature devices and the mileage that you drive.

What Is an Auto Insurance Deductible?

May 21 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I have no idea what a deductible is in car insurance. What is a deductible?

Myers

Chicago IL

Prudent insurance buyers would always find a strategy to decrease their car insurance prices. Over time, people have found tactics on how to do this. One of which is by stretching deductibles. So what is a deductible?

Insurance deductible is the money that you would have shell out for the damages incurred by your car during an accident. It is also a portion of the total estimate for car replacement that you would have to shoulder. This will become your personal expenditure. It might not sound approving on your part to compensate for something that you were anticipating to be covered. However, this is what they consider a necessary evil in order to extract savings from your car insurence expense.

Most car insurance companies provide range of insurance deductible for you to avail. They amount to $100-$1,000. The most customary value chosen is $500 dollars. The most optimal value for the highest deductible is $1,000. However, you can transcend to a higher deductible if your budget permits you to do so.

You really have to think in choosing what range of deductible you will be availing. This is to ensure that by the time you have to make claims; you will not end up having to pay for entire cost of damage.

Choosing the amount for your deductible should also be a balance. It can also help if you know yourself well as a driver and if you know your finances well. As they say, if you have had history of accidents, then it might not be smart to increase your insurance deductible. However, if you are so sure that you can go on years without accidents, and if you are sure, you are a better driver, why not go for the highest insurance deductible. You should also be sure to have the deductible amount set aside at all times.

Need First Time Driver Car Insurance

May 23 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

This is my first time to shop for car insurance and I am really confused with what coverage to choose and what is best offer for me. Can you help me decide?

Mike

Lexington-Fayette, KY

For first time diver car insurance shoppers, they would most likely muse on how much insurance to get. This can be confusing, especially when insurance companies have promising offers.

When you read the coverage of their plans, you will be most likely be tempted to purchase them all. It is understandable since all of us want to be fully covered by the time accidents happen. Who doesn’t want to be liberated from the financial burden brought by accidents? From the looks of it, everyone wants this freedom.

However, when you think about your budget, the chances of being fully covered as in zero dollars spent for accidents may decrease. Most of us are average income earners. Considering today’s economic problems, not all of us will have the opportunity to spend much money getting full coverage for insurance.

For first time auto insurance buyers, here’s what you can do to get great insurance deals, that your money could buy:

  • Learn your state limits. Every state has a requirement for the minimum insurance to purchase. This will serve as your baseline data for purchasing car insurence. Most insurance companies have tailored fit their insurance package according to the state’s requirements
  • Evaluate the kind of activities you do with your vehicle. You might need more coverage if you use your car more often compared to cars stored in your garage for most of the time.
  • Assess the worth of your car. If you have expensive cars, then don’t settle for less.
  • If you carry valuable assets in your auto at all times, you might want to get coverage for that. This way, in cases of theft or other unfortunate events, you will be insured for it.
  • If your budget permits you, go for higher limits but evaluate the coverage included.

Need Cheap Young Drivers Car Insurance

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I am 16 years old and I am planning on getting my own vehicle. I was wondering what the car insurance rates would be considering I am 16? Is there a way I can lower it?

Trish

Fairfield, CT

Do not be surprised if your car insurance premium is higher than you dad’s. That is because insurers, as a general rule, charge more to those who are more prone to accidents. Nobody’s accusing you of being irresponsible, but statistics has it that young drivers get involved in accidents more frequently than their older counterparts. After choosing the right vehicle, you must also look for the best insurance deal. Spend a few minutes and learn how to save a few or even a hundred dollars on your first car insurence purchase.

‘Cool’ isn’t that cool

Aside from being very expensive to maintain, sports and muscle cars have very costly premiums. You might want to choose an ordinary sedan. After all, everything boils down to mature attitude and safe driving.

Take time to learn more

Enrolling in more advanced driving lessons will chip a few dollars off your premium. Just be sure to pick those programs that are acknowledged by your state. Also, check out if the school you are enrolling for is recognized by your company.

Good achievers are better drivers

If you have excellent academic records, you qualify for another discount benefit. Companies generally grant students with 3.0 or higher GPA a 10% decrease from insurance premiums.

Let them know how far you are from home

Car insurers also offer discounts to students who live away from their homes. Discounts differ from one company to another so be wise enough to compare car insurence quotes before select your insurer.

Join the club

You can get a lower premium when you select the same company that insures your parents. Teens who join as a group acquire additional discounts, too.

Keep the traffic officer away

Keep your traffic record clean and you will pay less on your next payments. So keep that foot light on the gas and stay away from intoxication because your premium increases with every violation you make.

Need Affordable High Risk Auto Insurance

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

My boyfriend is the worst driver. He’s been ticketed too many times, he’s driving a sports car and just recently he was cited for a DUI offense. And because of that we’re having big problem on how to find high risk auto insurance that is within our budget. How can we find it?

Lea

Jackson, MS

Getting an affordable high risk auto insurence might be a challenge but it’s still a possibility. How? Follow these:

  • Search for auto insurence company that specializes in giving high risk auto insurance policy.
  • Be a member of a sports vehicle club. Believe it or not but insurance companies will offer you a discount if you are a member of certain car club. Also, it could help you find better insurance deal if you are a member of certain employee organizations.
  • Ask for insurance discount. I’m sure you are aware that there auto insurance discounts that could help you get affordable insurance rates so ask for it. For example, ask your insurer if you can get lower insurance rates for driving less, for enrolling in a defensive driving class, for installing safety devices on your car etc.
  • Get multiple insurance polices from the same insurance provider. Getting your life, auto, and home insurance from the same insurance company could save you a lot of money.

Those are just some tips that can help you find affordable insurance rates for your boyfriend. I hop you’ll find the auto insurance deal that you’re looking for.

Need For Auto Insurance

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I know that the Internet offers a lot of things and that even includes purchasing my auto insurance from the Web. I need help about getting my insurance policy from the Internet. Can you help?

Annie

Sacramento, CA

Sure Annie! Buying your auto insurance from the Internet is very easy. You just need to have a computer plus an Internet access and voila you have your insurance policy!

Getting your insurance policy online can be pretty easy but you must remember to make sure you’re getting the right thing. I know you’re looking for an insurance deal that can meet your demands at a very reasonable price. That’s why you should make sure that before buying your auto insurance online, you know the required auto insurance limits in your state and what you really need.

If you have those, then it’s time to determine on your budget. How much are you willing to spend on your auto insurance?

Now, consider your deductibles. This, by the way, is the amount that you’re supposed to pay as part of your insurance claims. This affects your auto insurance premiums in the way that the higher your deductible the lower your insurance rates and vice-versa.

If you’ve decided on your deductibles, it’s time to visit auto insurance websites. Normally, you’ll get several insurance quotes by just visiting a single insurance website. You’ll be asked for basic information like zip code, name, age, birth date, etc. Once you’ve given those information, you’ll receive your auto insurance quotes from different insurers.

And it’s time to compare the best insurance quote that you got. Make sure to compare carefully – this not only including price alone but also coverages, terms and conditions, and benefits. Also, it’s important to make sure that you’re getting your insurance policy from a reputable auto insurance provider.

If you’ve already chosen the best auto insurance policy that you’ve found, it’s time to purchase your insurance policy. Complete the transaction by following the instruction you see on the web. Then you can have the copy of your insurance policy be sent to you right away either through email or fax.

See, that’s how easy you can purchase your online auto insurance. Start getting your online insurance quotes by visiting the websites now. Enjoy shopping!

Need To Get Cheap Car Insurance?

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I’m helping my boyfriend find low cost car insurance. What should we do?  We need cheap car insurance like today!

Rose

Atlanta, GA

Believe it or not Rose but getting cheap car insurance is quite easy. Here’s how.

First, you need to remember that your boyfriend’s driving records plays a significant role on how much he will be paying for his auto insurance. Insurers will dig into his driving records to see any violation or accident he’s been involved with. This includes minor violations like parking tickets to even serious like a DUI conviction. The more violations and accidents your boyfriend has, the higher his auto insurance premiums will be.

Second, your boyfriend’s credit score also has a say on his insurance rates. If there are unsettled loans, he better start cleaning up his credit history to get lower auto insurance rates.

Third, it could also help him get better insurance rates if he would drive his car less frequently. With that he could get a discount for low annual mileage.

Fourth, get a secured parking place for his vehicle. If your insurer found that his parking place gives enough protection to your boyfriend’s car then he may also enjoy getting lower auto insurance rates.

Fifth and lastly, get safety devices like airbags and car alarms and have those installed in his car. These things would also help you find better insurance deal for your boyfriend.

Need Full Coverage Auto Insurance

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

This is quite a simple question – how can I get cheap and I mean really cheap full coverage auto insurance? I would really appreciate it if you could give me tips that are within my control. Thank you!

Aurora

Boise, ID

Hi Aurora! So for you to get really cheap auto insurance here’s what you should know:

  • Get higher deductible. Instead of getting a deductible for $200, it would be better to get $500 or even $1000 to save more on your insurance premiums.
  • It’s time to start cleaning up your credit score if you need to. Why? because your credit score affects your auto insurance rates too. The better your credit score is, the better insurance rates you will get.
  • Drive an inexpensive car. If you are fond of driving fancy cars, then your auto insurance rates will be astronomical. In the opposite driving an old and cheap vehicle will save you a lot on your insurance premiums.
  • Assuming you are driving an old vehicle, removing collision coverage could help you save more too.
  • If you have health or home insurance then it would be better to get auto insurance policy from the insurance providers you have for your home and health insurance.
  • Shop around. I guess you have an access to the Internet, so start shopping for insurance quotes. That’s your best shot in finding the best auto insurance deal. Just make sure you know how to compare auto insurance quotes the right way.

I would recommend you start shopping for your auto insurance quotes now so you could start finding the cheapest insurance deal as early as now. Good luck!

Need Cheap Teen Car Insurance: How To Get It?

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I am a mother of two teen drivers. I am about to get their auto insurance and I’m quite afraid because I know that teen auto insurance are very expensive. What can I do about this?

Maria

Idaho Falls, ID

Hello there Maria. I am a mother of teen drivers too and I exactly understand where you are coming from. But don’t worry that much, you can get low cost teen car insurance and here’s how you can get one:

First, think very carefully about the vehicle you are about to buy for your teen drivers. Remember this rule – the more expensive it would take for insurers to repair and/or replace a certain car the higher your auto insurance rates will be. So for your teen drivers it would be logical to get low valued vehicles for now.

Second, encourage your teen drivers to study more in school. A GPA of 2.0 or B or higher could qualify them for insurance discounts that could give them better teen car insurance rates.

Third, teach your teens the importance of driving their cars less than often. If they have low annual mileage they could get cheaper car insurance rates.

Fourth, enroll them in a defensive driving class. Car insurance companies will also give them lower insurance rates if they have finished a driver’s education course.

Lastly, shop and compare car insurance quotes. One great avenue in finding car insurance quotes would be to use the Internet. Just make sure to get multiple insurance quotes then carefully compare them. You can compare the price, coverages, and the insurance provider’s rating.

I Need Auto Insurance Now

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I quite don’t know what to do to make sure that I would be getting the right auto insurance for myself. Can you give me some shopping tips that could help me shop the wiser way for my auto insurance needs? I would really appreciate anyone’s help! Thanks!

Lana

Indianapolis, IN

Hi Lana! When I bought my auto insurance for the first time, I got this tips from my dad. And these all proved to be very useful when I was still shopping for my auto insurance needs before:

  • Do not be contented with the first auto insurance policy that you found instead shop around.
  • In getting your auto insurance needs make sure to get it from a trustworthy insurance company or insurance agent.
  • Check with your state’s department of insurance to find out if the insurance provider or the insurance agent is licensed to conduct business in your home state.
  • When answering insurance application, make sure to answer in honestly.
  • Never sign a blank document or any document you have not read, or fully understand.
  • Never pay cash but instead pay using check payable to the insurance provider. Do not forget to include the kind of the auto insurance policy that you are paying for.
  • Read carefully your insurance policy.
  • Review and compare your application policy and your insurance policy. If there are any omission or error inform your insurer right away.
  • If your auto insurance application is declined, ask for the reason why.

If you’re ready to get your auto insurance now, you may want to begin shopping for auto insurance quotes. I’m hoping you’ll get a very good insurance deal.

How To Save On Your Auto Insurance

August 21 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

All my bills are getting higher and I wanna be able to save at least on my auto insurance here in Arizona, how do I do that?

Luis

Gilbert, AZ

In order to save on your auto insurance in Arizona, you have to look for the auto insurance provider that has the cheapest price and the best coverage. A lot of people are making mistakes by not focusing on the types of coverage that are available. You have to pay attention on the amount of coverage you purchase because you will be paying more if you don’t have enough coverage to pay for an accident.

You also have to concentrate on looking for great auto insurance discounts. A lot of auto insurance companies will reward you for being a good driver and not having accidents on your driving record. For that reason, you need to follow the traffic rules at all times and avoid accidents on the road. Other auto insurance discounts that you may qualify for include low mileage discount and multiple-line discount (combining other insurances such as life, home, etc. with your auto insurance). You can also get auto insurance discount by installing safety and security devices in your car such as anti-lock brakes, anti-theft device and car alarms.

Don’t forget to obtain several auto insurance quotes from different auto insurance companies to be able to have huge savings on your coverage. When you go online, you can visit a comparison quotes Website and ask for auto insurance quotes. You can review the quotes given and compare them to see the coverage and price being offered and choose the one that has the best deal.

Car Accident Insurance in Alabama

July 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

How important is car accident insurance in Alabama?

Iris

Montgomery AL

Private-owned insurance providers, such as car accident insurance companies, may deserve some of the negative reputation due to their capitalistic ways of seeking out for their own benefits. However, regardless of their unenthusiastic character, they are still important to everyone – especially to those who own cars.

Car accident insurance safeguards you from future liabilities. They act as firewalls for your assets when you get involved into car accidents. You are bound by contract to your insurance company; you pay for your insurance provider now, they pay for your car expenditures later on. There are various car insurance coverage being offered. But, before you settle on a particular coverage, you have to make sure the type of coverage the plan offers.

Liability Coverage. This provides reimbursement for grievance and property damage incurred unto other people – includes medical expenses, loss of income, pain and suffering. Do not confuse yourself with this coverage for there are ground rules to take note. First, this coverage applies to properties or individuals affected by such accident – not you. Second, you must be at fault in order for the company to pay the damages for you.

Personal Injury Protection. This is not obligatory. It does not matter who got affected or what. As long as the accident occurs, this coverage applies to both you and your passenger.

Collision and comprehensive. This too is not mandatory. This covers for the repairs that your vehicle accrues after an accident. Comprehensive coverage covers when your car gets stolen, damaged by flood, fire etc. Collision coverage pays damage when your vehicle is hit by a car or object.

I Need Auto Insurance Discounts

May 29 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I think getting auto insurance discounts can help me in cutting the costs of my auto insurance here in Illinois. What types of discounts can I get and how else can I lessen my premiums?

David

Rockford, IL

There are a lot of things that you can do to lessen the costs of your auto insurance in Illinois and you are right, getting discounts is one of them. You can get an auto insurance discount if you install safety devices in your car such as steering lock, alarm system and anti-lock brakes. Likewise, you need to make sure that your car is safe and stored in a locked garage at night and parked in a safe place.

Another type of discount that you can get on your auto insurance is for being a good driver. If you keep a clean driving record and have no claims for a certain amount of time (usually for three years), you will be rewarded for this. You will also get a reward or what is called low mileage discount if you meet a certain number of mileage per year. Then, you have to enroll and complete a defensive driving course as you can also get a discount on your auto insurance for this. This will prove that you can be a safer driver, thus lowering the rates offered to you by auto insurance companies.

Aside from getting auto insurance discounts, you can also lessen your premiums by getting higher deductible on your auto insurance policy. Insurance deductible is the money you are willing to pay in case of an at-fault accident before the policy comes in and pays the rest up to your set limits. Also, auto insurance comparison is a proven way to lessen your premiums. If you collect and compare quotes from several auto insurance companies, you are guaranteed to get the best quote that is most suitable for you.

Auto Insurance Third Party Coverage

May 29 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

I live here in Washington, DC and even though I have auto insurence for a long time, there are some things that I don’t understand. What does it mean when you buy third party coverage for auto insurence? Also, would my auto insurence rates be affected if I don’t bring my policy with me all the time?

Alicia

Washington, DC

It would not affect your auto insurance rates if you don’t bring your policy with you all the time. But this is highly advisable to do since you have to show it when it is asked by a police officer no matter where it was issued or which state you live in.

Third party cover only in Washington, DC auto insurance means that it will not cover you for personal injury. In the event that you have injuries or you are hospitalized because of a vehicular accident that you caused, you have to pay for your own bills in the hospital. Likewise, you will cover all the damages sustained by your vehicle. If you have other types of coverage such personal injury protection (PIP), this will cover your own medical expenses and collision coverage on your auto insurence will pay for the repairs on your vehicle. These are optional types of coverage so it would be your own choice if you buy them or not. But you have to take into account the possible costs that you have to pay if an accident happens.

If the vehicle that you own is not worth much, then you don’t need collision coverage; and you won’t probably need comprehensive coverage on your auto insurence as well which is for damages caused by things other than accidents such as flood, storm, vandalism and theft.

Auto Insurance Requirements

May 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

For a new driver like me who needs to get auto insurence here in Kansas, what are the important things that I need to know about my getting coverage?

Brent

Wichita, KS

There are some important things that you have to understand and remember before you get your auto insurance in Kansas. The very first thing is that in the event of an accident, the medical expenses of each driver would be covered by their auto insurance policy no matter who was at fault since Kansas is a no-fault state. You also need to know the state’s minimum coverage which is $25,000 for one person and $50,000 for all persons for bodily injury in a single accident and $10,000 for property damage liability.

Aside from the required auto liability coverage, you are also required to get at least $4,500 for Personal Injury Protection (PIP) in Kansas. This coverage would help pay for the needed medical fees for you as well as your passengers. Another required coverage on your auto insurence would be the uninsured and underinsured motorist coverage. You have to carry at least $25,000 for one person and $50,000 per accident for bodily injury incurred by a driver who doesn’t carry auto insurance or who doesn’t carry enough coverage.

Remember that these types of coverage are just the minimum requirements in the state of Kansas and you have the option to get more than the required coverage for your auto insurence. This is to make sure that everyone in your household is well protected in case you get involved in an accident.

Shopping Online For Auto Insurance

May 28 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

No one can blame me why I don’t trust the internet that’s why I’m afraid to shop there for my auto insurence here in Washington, but I guess I don’t have a choice this time. Could you tell me the benefits of shopping online for my auto insurence to maybe make me change my mind?

Angelina

Seattle, WA

There are several advantages in shopping online for your auto insurance in Washington, including:

1. Shopping online for auto insurance quotes is easy because you don’t need to search for hundreds of contact numbers to try to find out if auto insurance companies offer service in your area; an online search engine will help you on that.

2. When shopping online, you don’t have to spend hours on the phone talking to auto insurence agents to ask questions and wait on hold for an agent to help you.

3. You don’t have to take the first offer for your coverage because you can shop around for auto insurance quotes online. There are lots of Websites of auto insurance companies that you can access that would offer you several coverage options.

4. A lot of auto insurance companies offer discounts on your auto insurence coverage if you purchase it online. Insurers save money when they do business online so they pass along the savings to their consumers by giving them price cuts on their auto insurance.

5. If you are tired of dealing with inexperienced auto insurance agents, you can get rid of them if you go online to look for auto insurance quotes. Several auto insurance carriers have a “chat” feature that allows you to have a conversation with a knowledgeable auto insurance agent particularly trained for those who have queries and having problem navigating through the Website. They know what their company offers and they answer questions of their customers.

You will find that it pays to go online to shop for your auto insurance because not only that it will save a lot of your time but a lot of money as well.

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What Affects Car Insurance Rates?

May 26 2009 by author in Need auto insurance |Comments Off

Reader’s Question:

My boyfriend’s been paying for expensive car insurance. I’m afraid that I might be charged for the same very expensive amount. What do insurers look in whenever they determine a driver’s car insurance rates?

Rhoda

Oklahoma City, OK

There are several factors that car insurence providers use when determining a person’s insurance rates. So I don’t think that your insurance premiums will be the same with your boyfriend because I don’t believe that you have exactly the same attributes when compared with your boyfriend.

To give you a clearer picture, here are the factors that most insurers use for setting car insurence rates:

  • Driving history, the better it is then the better your insurance rates can be. However, you must remember that car insurance providers will only look at your driving records for three years back.
  • Your car, this includes the make, model, and year. If let’s say your car is old, then you would be paying lower insurance rates for that.
  • Territory, this includes where you parked and drive your car. If your parking place is safe then you may be getting lower insurance rates. If your place of residence has lower crime rates, then your car insurance rates may also be lower.
  • Accidents in the past, if you were never involved in any accident, then you don’t have to worry that much about paying expensive car insurance rates.
  • Gender, female drivers like you get lower car insurance rates.
  • Age, teen drivers and those who are not more than 25 years old are usually charge with higher insurance rates.
  • Credit score, you must have good credit score since this would help you get better car insurance rates.

Those are the factors that car insurance providers usually use. Now that you know them, I guess you have a clearer idea on how to get cheap car insurance by now.

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