Ways to Drive Down Your Auto Insurance Costs

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Ways to Drive Down Your Auto Insurance Costs

While a lot of motorists believe they are defenseless when it comes to auto insurance, this is simply not the case. There are many tricks and tips that can be done in order to effectively lower your insurance rates today!

One of the most overlooked ways of reducing your insurance is shopping around. Many people believe that all companies will be the same and produce a similar quote. Although this simply isn't true! An insurance company's rates are reflective of many things that may be out of your control in the first place. Extra costs like employees, overhead and advertising, are just some of the costs you could potentially be paying extra for every month!

While popular advertisements by the larger auto insurance companies might be visually pleasing, Insurance Broker Dan Hyaski warns new and long time drivers to be wary of their long term contracts.

Just as there are many different factors that can determine your auto insurance rates, there are just as many ways for you to get a good bargain in the process. If you have recently changed your line of work and it requires less driving than it did previously, you should immediately contact your insurance company in order to ask for a rate reduction, as many companies base their monthly options on probabilities and accident rates: the less you drive the less likely you are to get into an accident. Most insurance companies also take your family life into consideration when determining your rate. For example if you have a car-less teen driver on your account who goes to school over 100 miles away from your home, you are entitled to a discount on your insurance. It is well documented that when you reach the age of 25, your insurance rate will be decreased. However, if you get married before this age, you should make sure to contact and tell your insurance company of the change. They view this act as a sign of growing up and will amend your rates to reflect so.

Many people also do not realize that increasing your comprehensive and collision deductives could potentially save you hundreds a year in insurance costs. In one example, if increase from a $500 deductible to $1000, and it potentially lowers your insurance by $50 over 6 month terms, you have just saved an extra $100 a year.

About The Author:
Nicholas writes for a site offering advice on getting cheaper car insurance, including specialist auto insurance cover for women and new drivers.

Article Source: http://EzineArticles.com/?expert=Nicholas_Hunt




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Auto Insurance - Free Important Tip

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Auto Insurance - Free Important Tip
By Deepak Kulkarni

If you are looking for information about Auto Insurance, you will find the below related article very helpful. It isn't the same old kind of information that you will find elsewhere on the Internet relating to Auto Insurance.

You have options when considering insurance for your vehicle. You can choose to carry minimal insurance such as liability, but your coverage will be limited. Liability insurance only usually covers damages to others involved, however it will not cover damages to your vehicle. By law, everyone needs to have liability insurance to drive. It is usually a wise choice to add collision and comprehensive insurance to your policy to protect yourself and your investment. Collision insurance will often cover your damages whether you are at fault or not in a situation where you are involved you in an accident. Comprehensive insurance covers occurrences such as fire, theft and vandalism. They can usually be added to your policy separately.

One of the main things which is most likely to affect the cost of your monthly insurance premium or rate when you are buying auto insurance is the way that you drive. If you have made a lot of auto insurance claims in the past then the costs are going to be higher. Learning to drive more carefully is not only good and safe for you; it also has the potential to drastically reduce your auto insurance rates if you can show a pattern of safe driving. This means no vehicle accidents and very few if any speeding tickets from your favorite law enforcement officers.

Always check the cost of insurance before purchasing a car or any other vehicle. The car's sticker price, the cost to repair it, its safety record and chances of theft are the factors that contain the car insurance premiums. The information regarding which car to buy can be gained from the Insurance Institute for Highway Safety.

There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years. With in a timely manner.

While traffic tickets and auto accidents will increase your premiums, most insurance companies offer deductions to drivers with clean records. Also, some insurance companies will offer a price reduction if you attend a Driver Training School Program and your employer might even pay the cost if you use a company vehicle for your job. Training school discounts may vary between 7-10%.

Many people forget that they can get more information about any subject matter, be it Auto Insurance information or any other on any of the major search engines like Google.com. If you need more information about Auto Insurance, head on to Google.com and be more informed.

Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.

We discovered that many people who were also searching for information related to Auto Insurance also searched online for related information such as Car Insurance No Claims Discount, and even Discounted Car Insurance.

So here is chance to get your free tips on Online Auto Insurance and in addition to that get basic information on saving money visit http://information-get.com/autoinsurance

Article Source: http://EzineArticles.com/?expert=Deepak_Kulkarni




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8 Ways to Get Low Cost Auto Insurance

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8 Ways to Get Low Cost Auto Insurance

Following these tips will enable you to get the cheapest auto insurance rates:

1. Raise your deductible.

A higher deductible on collision and comprehensive coverage can lower your auto insurance rates. For example, increasing your deductible from $200 to $500 could cut your collision cost by as much as 30%. Since the average annual premium is $687, this can save you $206 per year.

2. Drop collision and/or comprehensive coverage on older cars.

If your car is declared a total loss, you will receive the cash value. If your car is 5 years old or older, it may make sense to cancel the collision and/or comprehensive portion of your policy and bank the savings.

3. Avoid duplicate medical coverage.

If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance rates. In some states, eliminating personal injury protection (PIP) can lower your premium by up to 40%.

4. Drive a "Low-Profile" car.

The auto insurance rates are much higher for cars that are expensive to repair, or are favorite targets for thieves. Before buying a car, determine the auto insurance rates.

5. Drive less.

Some auto insurance companies offer cheap auto insurance quotes to motorists who drive less than a predetermined number of miles a year. Consider using public transportation, a carpool or vanpool to commute to work.

6. Ask for a multi-policy discount.

Some insurance companies give a discount if you have your homeowner policy with them also.

7. Ask for a discount based on your credit score.

Some auto insurance companies use the credit score to establish premiums. If you have a high credit score, ask for a discount.

8. Compare auto insurance rates.

When shopping for the cheapest auto insurance, you will find that prices for the same coverage can vary by hundreds of dollars. So, it pays to compare auto insurance rates.

Get free auto insurance quotes at http://www.howtocutyourexpenses.com


About The Author:
With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success.

Article Source: http://EzineArticles.com/?expert=Vernon_L_Williams




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Cheap Auto Insurance and Saving Money in a Recession

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Cheap Auto Insurance and Saving Money in a Recession

Is your car insurance going to get more expensive because of the recession? Should you be looking for cheaper auto insurance? Are there ways you can save money? Here are some points to consider.

The recession has everybody thinking about saving money and that includes auto insurance companies. As they lose money on their investments, they may pass those losses on to consumers in the form of a rate increase. What's more, auto insurance fraud tends to increase during a bad economy. This is another financial loss that the industry often passes on to consumers.

Have you seen your rates increase? If so, you should do some comparison quote shopping to find cheaper auto insurance. Rates vary from company to company and that means you could find a lower rate. You'll want to get at least three quotes from different companies. An easy way to do this is to get online auto insurance quotes through a comparison site.

Also, just because it's a recession doesn't mean you should cut your insurance coverages. Now, more than ever, you'll want the peace of mind of financial protection. If you lower your limits of liability to save some money on your premium, you'll open yourself up to a greater financial risk.

However, there are some things you can do to lower your insurance costs.

1. Consider a higher deductible. A higher deductible can lower your premium quite a bit. Of course, you want to be comfortable with the deductible amount in case you need to come up with the money.

2. Drive less and take advantage of public transportation or car pooling. Most auto insurance companies will provide some sort of mileage discount if you drive fewer miles per year. This also provides less wear-and-tear on your vehicle and reduces your chances of getting in a costly collision.

3. Take advantage of discounts. You may qualify for several discounts that could lower your premium. Check with your current insurer and with companies who provide you quotes.

4. Do business with reputable companies. Check the financial ratings of the insurance companies that interest you. A low quote is the start, but you want to be sure they'll be around if you need them. Check online with A.M Best, Weiss and Standard & Poor's to see how they rate the company. You can also check with your state's department of insurance to see if there have been any complaints.

Find Get cheap car insurance quotes online

About The Author:
Justin Scott is a free-lance insurance writer. He recommends the comparison site LowerYourInsurance.com for up to 5 free auto insurance quotes, plus more information about saving on car insurance. The site also includes a car insurance comparison worksheet.

Article Source: http://EzineArticles.com/?expert=Justin_Scott




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Technology Wins Customers in Auto Insurance World

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Technology Wins Customers in Auto Insurance World

When it comes to all of the information a company uses in order to make decisions and arrangements, sometimes all of the information is there but it simply isn't accessible or even organized. The ideal and effective situation for any business would be to be able to locate information, understand its implications and move forward with the sensible decisions. Technology in today's business world is what makes a majority of this theory possible. Allstate Auto Insurance is one such company that not only understands the possible dilemmas of this necessary process, but also envelopes the concept in terms of its customers lives as well.

Allstate Auto Insurance is known most popularly by the phrase, "You're in Good Hands with Allstate". The company encompasses protection and retirement to help people in over 17 million households nationwide to protect what they have now and be prepared for the tomorrow to come.

In so many businesses today, the wealth of information regarding customer, financial and other data goes to waste and remains untapped because when it comes down to integrating the information and collaborating the sources for reports, it is just too difficult. Business growth can suffer tremendously due to a lack of business insight and poor planning which leads to inaccurate forecasting and thus a weak strategy. Allstate Auto Insurance is a company that not only understands this mandatory technology need, but thrives in paving the way in it.

As Allstate Auto Insurance makes leaps and bounds to determine new directions for protection of their customers, their technology and business operations come together to integrate unique technology solutions that embrace the company's business goals. This is no easy feat for many of the businesses suffering in today's economic struggles.

The satisfaction of Allstate Auto Insurance's customers was improved with programs that were implemented and actually provide enhancements to their website that make it easier and quicker for customers to get quotes, purchase policies or service existing customer's needs. Customers' needs change and evolve over time and the technology along with business model followed by the company account for those changes and that growth. This included new tools and capabilities added to the website not only made it more appealing but enhanced its information and navigation capabilities. The site also offers an interactive auto insurance guide where one of a number of video hosts can assist the consumer and lead them through and complex avenues of auto insurance.

About The Author:
Since 2006 Natasha Wilson has been assisting consumers nationwide in saving on their Allstate Auto Insurance policies finding you the right price. Allstate Car Insurance are just a few clicks away. Let us help you find affordable insurance plans, get started today!

Article Source: http://EzineArticles.com/?expert=Natasha_Wilson




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What to Do If Your Auto Insurance Adjuster's Settlement is Too Low

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What to Do If Your Auto Insurance Adjuster's Settlement is Too Low
By Robert McKnight

After experiencing a car accident and filing your claim with a claims adjuster, you look forward to receiving a fair settlement offer fast. You may be surprised to learn that chances are your claims adjuster's first settlement offer could be too low. Why would that be?

One of the reason's why your claims adjuster's offer may be too low has to do with the adjuster's job expectations. Your auto insurance company expects your claims adjuster to settle claims within a certain dollar range. In order to save the company money, the adjuster will often make an offer to you from the low to middle end of your settlement range. Their goal is to settle your case as quickly and cheaply as possible. It may be in your best interest to turn down her first offer, even if it sounds fair to you.

Countering Your Adjuster's First Offer

What if you have no idea of what dollar value to place on your claim? After all, you probably don't have an insurance background. You might have no clue about how cases are evaluated to come up with fair settlement numbers. If your claims adjuster has made an offer to you that sounds good why shouldn't you just take it? Because if it's the first offer, chances are that it's still too low.

Try making a counter demand for more money. Be reasonable. For example, if your adjuster has offered you an $8,500 settlement, don't ask for $100,000. Don't ask for some outrageously high amount for your settlement just because you know the adjuster is probably making you a low offer. It won't help settle your case any faster. Counter the adjuster's offer just enough to begin negotiating a fair price.

Negotiating Your Own Claim

Negotiating your settlement offer on your own is only advised when you are dealing with small settlements. If you have a realistic idea of what your claim is really worth, draft a demand letter including all documentation including any reports, medical bills, receipts and proof of any lost wages to support your case. Close your letter with a demand for a settlement and a time limit for a response.

Make sure that you have thoroughly researched the accident. You should know how much it will cost to repair your vehicle. If the insurance company wants you to use a certain repair shop, investigate the shop thoroughly before you agree.

Document Everything

Document all your medical bills, receipts, estimates for repair, and days off from work. Even if your company paid you for those days, you have the right to request reimbursement since you had to spend your vacation days recuperating from an automobile accident.

Making a request for more money is one thing. But it is not generally advisable for policyholders to handle their own claim, especially if it involves a significant settlement without the proper representation. Take your time to negotiate wisely if you are handling the claim on your own. If it is a large amount of money, it may be wise to hire an attorney.

Working with experienced professionals you trust is essential when dealing with auto insurance claims. Ask friends for referrals, browse the Internet or start making phone calls to make sure that you've got the coverage you need and a company which meets your needs.

Choose A Reputable Auto Insurance Company

Be sure that you shop around and not only find the best car insurance rate but that you choose a trusted auto insurer. These auto insurance companies have a trusted reputation for a reason. Performing research and comparing auto insurance companies is a must before making a decision on a policy

Article Source: http://EzineArticles.com/?expert=Robert_McKnight




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How Are Auto Insurance Premiums Calculated?

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How Are Auto Insurance Premiums Calculated?
By Brenda Williams

Auto insurance premiums are calculated through a variety of complex statistics determining the risk that a customer is going to file a claim. Some insurance companies base their auto premium information on other aspects of the profile including: credit history, driving record and past history with the insurance company.

Did you know that there are various factors that could lead to increased auto insurance premiums? Multiple drivers or young drivers under the policy could increase premiums up to thirty percent. These drivers can offset this cost by enrolling in driver training courses which could save up to fifteen percent of the annual insurance premium.

Some companies base insurance premium amounts on the demographics of the client and the location that they live. Did you know that auto insurance premiums are often higher in the city than the country? In the city, there are more people, therefore the incidence of accidents are much higher than in rural areas. Some claims which are also higher in the city are vandalism, theft and break-ins to the vehicle.

The type of car that you drive makes a huge difference in auto insurance policies. Some vehicles are considered to be higher risk than others and the make or model can influence your auto insurance premiums greatly. When purchasing a new vehicle, it could be important to consider the safety ratings of the vehicle.

How often do you intend to use the vehicle? The more that a vehicle is used, based on the amount of kilometers or miles driven in the past year, the higher the insurance premiums. Some people who live close to their workplace, or work from home will pay less in auto insurance, as they do not use their vehicle on a regular basis to commute. Driving patterns that include more than fifteen miles commute to work are often higher than those who are not driving to work.

Did you know that there are many types of auto insurance? Depending on the coverage that you require, auto insurance premiums can vary. The more coverage required, the higher the auto insurance premiums. If you select a higher amount of coverage limits, than you will indeed pay a higher premium on an annual or monthly premium.

Depending on the insurance company that you choose, there could be a minimum deductible that must be adhered to. When choosing an auto insurance coverage amount, determine the value of the vehicle. If the vehicle is older, than it may be considerable not to require additional or optional coverage for the vehicle. If you lower your limited coverage, but increase your deductible it will surely lower your auto insurance.

Most important, when shopping for auto insurance - shop around! Regardless of how premiums are calculated there are often companies that offer lower insurance rates the competition. Finding these competitive rates will ensure that you are saving as much as you can on your auto insurance premiums. So, be a safe driver, get a safe car - shop around and reap the benefits of cheaper car insurance.

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Article Source: http://EzineArticles.com/?expert=Brenda_Williams

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Top 10 Auto Insurance Myths - Debunked

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Top 10 Auto Insurance Myths - Debunked
By Carrie L Van Brunt

10. Every state requires liability insurance.

FALSE. While most states do require liability insurance, some states do not. Despite whether the state requires liability or not, it is never a good idea to drive without liability coverage. If you were in an accident, were found at-fault and had no liability coverage- you could be sued for all of the damages.

9. Standard collision coverage protects me against damages caused by windstorms, hail, animal accidents and theft.
FALSE. While collision and liability coverage will cover damages caused by your car colliding with another vehicle or object, you have to have comprehensive coverage if you want to be covered for windstorms, hail, theft or accidents with animals. Many drivers mistakenly think, for example, that if they hit a deer that this will be covered under their collision coverage. This is not true.

8. My new car is covered under my insurance policy automatically.
True and False. While most insurance companies will automatically cover a new vehicle, this coverage is temporary and it is your responsibility to tell them about the new vehicle within the amount of time specified in your contract.

7. If my friend gets into an accident in my car their auto insurance will pay for my damages.
FALSE. Because it is your car- it needs to be covered by your auto insurance. While the other driver's insurance might be used to pay excess damages, it is still primarily paid by your auto insurance. Also, even if you were no where near the scene of the accident, your auto insurance score may be affected.

6. Drivers of red cars pay more for their auto insurance
FALSE. It is a common belief that auto insurance rates are affected by the car color. In actuality, the color of a vehicle does not affect the premium at all. Some factors that do affect your premium are the make and model of car, its safety features, where it is parked most often and what city you live in.

5. No-fault insurance means my premium won't be affected even if I am in an accident that is my fault.
FALSE. No-fault insurance means that your insurance company will pay for your damages no matter whose fault the accident is. It does not mean that your insurance score won't be affected or that your premiums won't go up.

4. Males under 25 years old pay the highest insurance rates.
FALSE. While young men under 25 do pay higher insurance rates than female drivers- they are still not the highest paying customers by age group. Teenagers and senior citizens typically pay the highest rates due to the fact that they are involved in more accidents than other age groups.

3. If I want to switch insurance companies I should just let my current policy lapse.
FALSE. Letting your current policy lapse can reflect negatively on your credit score. If you want to switch insurance companies you should officially notify your insurance company that you are cancelling your policy and pay any fees or premium that they require.

2. My personal auto insurance will also cover my business use of my car.
FALSE. If, even occasionally, you use your auto for business purposes, you will need to extend your personal auto insurance to cover your business use as well.

1. My credit score does not affect my auto insurance rate
FALSE. Your credit score information does play a small role in determining your rates. Insurance companies will typically reward drivers with lower rates if they have a good credit rating. When you are shopping for auto insurance, companies may check your credit score. The type of inquiry made is called a "soft inquiry" and does not negatively impact your credit rating. Inquiries from credit card companies, banks and other lenders are considered "hard inquiries" and can negatively impact your credit score.

For more information visit http://www.autoinsurancequotes.com

Article Source: http://EzineArticles.com/?expert=Carrie_L_Van_Brunt

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How Drinking Affects Your Car Insurance

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How Drinking Affects Your Car Insurance
By Alex Gregory

We all know about the dangers of driving under the influence of alcohol, but did you know it could seriously hurt your car insurance premiums too? According to research by a comparison website, motorists found driving, or even attempting to drive, while under the influence of alcohol could face a hike in their car insurance premiums of as much as 82 per cent - or even find that they are deemed uninsurable.

The driving penalty, DR10, is heavily punished by certain insurers. Both Kwik-Fit and Budget continue to provide cover for drivers with a previous driving conviction, but will increase premiums by 82 per cent on average, typically seeing annual costs rise from £290 to £528.

Indeed several insurers, including providers such as Halifax and Sheila's Wheels, will not even return quotes for drivers with a previous drink-driving conviction. The likes of More Than and LV= meanwhile, will not insure a driver if they have had a driving ban in the last five years. So not only could drinking and driving cause your car insurance premiums to rise, but one offense could even make it illegal for you to drive altogether if you are unable to find an insurer to cover you.

Despite this however, many motorists persist with their drinking - a recent ROSPA survey reported that 44 per cent of drivers admitted to driving after drinking alcohol.

The clear message to drivers is to not drink. However, if you feel you can't resist the urge, particularly over the festive season, then consider paying for a hotel to stay somewhere overnight or sharing a lift with someone who doesn't drink and can act as a designated driver.

If you have been convicted of drink-driving in the past then finding cheap car insurance will not be easy. The key is to gather quotes from as many providers as possible to ensure you're getting the best deal available to you - this can be done quickly with a car insurance comparison website.

Article Source: http://EzineArticles.com/?expert=Alex_Gregory





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Auto Insurance Rates - Does the Color of Your Car Matter?

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Auto Insurance Rates - Does the Color of Your Car Matter?

Someone at some place during some point in time started a rumor that owning a red car means you will get more speeding tickets and have higher insurance rates. The reason I have heard most often is due to red standing out more from other cars and therefore the police officers eye sees the red car and pulls it over even though other say, black cars driving near the red car are speeding as well. This reasoning seems somewhat logical, but what about for car insurance rates? Does owning a certain color of car affect your prices?

Perhaps the primary reason for the continued presence of this alleged myth is the psychology behind how a certain person chooses their car color of choice. Studies on this matter have determined a theory that people who purchase a red vehicle like to drive fast or feel as if they need to speed through everything in life. That statistic provides a direct correlation between the "more speeding tickets" portion of the myth, so maybe there really is something to this.

Not to ruin the article, but the short answer to 'Does the color of your car affect your auto insurance rates?' is no, it does not. The only time this may be possible is if the insurance agent that sees your car when you pull into their parking lot or as they take pictures of your vehicle for their records does not like the color of your car and takes it out personally on your policy. If you feel this is being done, it's probably best to move on from that company anyway, but that's another story.

Sometimes the suggestion has been made that the Vehicle Identification Number, or VIN has a certain code to notify the color of the car, but this is not the case. The VIN does not store details on car color in its code.

Car insurance companies look at several other factors though, such as the year, make and model, how big your engine is, and also your previous driving record and where you live. Where you live is usually determined by zip code. So, if your favorite color is candy apple red, go ahead and buy that car or paint your current car without worry of being pulled over more or getting robbed with high insurance rates.


About The Author
Tod F. is owner of http://www.theinsurancefiles.com - The Insurance Files is a great resource for information on all types of auto insurance, health insurance, life insurance, homeowners insurance and more. You will find a wealth of information to answer all of your insurance questions. Get a free auto insurance quote today from The Insurance Files!

Article Source: http://EzineArticles.com/?expert=Tod_F.

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What Type of Auto Insurance Covers Vandalism and Damage to a Car?

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What Type of Auto Insurance Covers Vandalism and Damage to a Car?

Insurance needs can be confusing. That is why you must sit down with the agent representing the insurance company that you are considering. Find out everything about the policy before you purchase it. The time to find out that you are not covered for something is not when you file a claim. Know what your insurance policy is going to pay for should something happen and what is not covered, because you can add items that you want covered.

Comprehensive insurance is one type that many people do not understand. It is not typically covered under a general liability insurance policy. This is the insurance that will cover damage to your vehicle whether it is caused by fire, theft, weather, or animal collisions. Many people have this type in the area where deer are commonly found. Vandalism is another type of damage that comprehensive insurance covers.

If you have full coverage insurance due to your vehicle being financed or just because it is a newer vehicle and it makes sense, the comprehensive insurance is part of your policy. If you do not have full coverage, comprehensive will have to be purchased separately.

Many people choose to purchase this insurance because the chances of theft or some unforeseen incident can be high in certain areas. If something happens to total your car and you do not have coverage, you are left without transportation. Not to mention there will be no money coming to purchase another vehicle.

The type of coverage you have will actually depend on the insurance policy that you have purchased. If you are in doubt as to what your policy covers, look at the 'Extras' page which will tell you what ones are available and what ones you have or do not have.

If your policy is the type that only offers third party protection, you will not have coverage if you car is stolen or damaged by fire. However, it does not cost that much more than a third party plan to get the third party fire and theft included so that you will be covered in the event that this happens.

Some insurance policies that you have comprehensive insurance with may provide you with a courtesy car if repairs are being done on your vehicle. Read your policy to make sure this is an option. Most people do not know this but if your car is under a year old and gets damages that are going to be over 60% of the value of the car to repair, your car can be totaled. If it is totaled by the insurance company, they will pay you the current market value of your car.

The best thing you can do is to read your policy and know what it covers. If you have any doubts, call your insurance agent and find out about certain aspects. They will be happy to let you know what your insurance policy includes and excludes. It may benefit you to know what options are available from different companies and the price difference between the premiums before you make a choice as to which company you will go with.

About the Author
Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

Article Source: http://EzineArticles.com/?expert=Kian_Chew_Chong

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Types of Auto Insurance Coverage - Which Types of Coverage Do You Need on Your Car Insurance Policy

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Types of Auto Insurance Coverage - Which Types of Coverage Do You Need on Your Car Insurance Policy
By Laura Caldwell

When shopping for car insurance it is always a good idea to be informed and to know what you are looking for. One thing you will need to know are the various types of auto insurance coverage available to you.

Here are the main types of coverage.

Bodily Injury Liability Coverage

This coverage is for any injuries sustained to people involved in an accident where you are at fault. This is required by law in every state. Check to see what the minimum requirements are in your state.

Property Damage Liability Coverage

Property damage liability coverage will pay for damages to the other person's vehicle in an accident where you are at fault. This is also required by law in most states.

Personal Injury Protection

Personal injury protection or PIP will cover you, the driver, and your passengers' expenses for injuries sustained when you are in an accident.

Uninsured/Underinsured Motorists Coverage

This will protect you in the event that you are in an accident and the person who is at fault is not insured.

Comprehensive Coverage

This car insurance coverage will pay for damages to your car that are unrelated to an accident. For example, this will cover any damages due to fire, vandalism, or a tree falling on your parked car. If your car is being financed this type of coverage may be required by your lender.

Collision Coverage

Collision coverage will cover any damages to your car when you are in an accident. This type of coverage may also be required by your lender if your car is being financed.

Make sure you know what the car insurance requirements are for your state and which types of coverage you need when shopping for car insurance. Make sure to compare quotes from multiple companies before you decide to buy.

Article Source: http://EzineArticles.com/?expert=Laura_Caldwell

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How Much Does Your Auto Insurance Increase After You Get a Traffic Citation?

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How Much Does Your Auto Insurance Increase After You Get a Traffic Citation?
By Kian Chew Chong

If we are lucky, we can go through our life without every getting any type of traffic citation. Traffic citations can come from many different avenues. For example, speeding, driving under the influence, or causing a car accident can become cause for a traffic citation. However, these citations are more than just a bad mark on your driving record or a big dent in your checkbook; they also affect your car insurance rates.

You cannot help but deal with auto insurance, it is a requirement in almost every state within the U.S., and therefore, you should understand just how getting a citation can hurt your premium each month. Insurance companies analyze your driving record every so often and determine if an increase or decrease is in order. One citation may not hurt you dramatically, if at all. You may have the pleasure of dealing with an understanding company.

This will however depend upon the type of infraction that you make. Mistakes are mistakes, we are all human and we make mistakes. Big mistakes are not often forgiven quite as easily as maybe a speeding ticket for going five miles over the posted speed limit. Big mistakes might be reckless driving, driving under the influence, and mistakes that lead to an accident.

So, what elements can actually cause your insurance rates to rise dramatically? These elements usually are the above mentioned, as well as getting too many citations, multiple infractions, and serious infractions. About every year or two, the insurance company will look over your driving record and determine if anything listed on the report requires a raise in your insurance premium.

If your auto insurance is raised, the amount will depend upon the significance of the citation or seriousness, as well as the number of citations that you have received. So, just how much are we talking?

For a serious offense, you could be looking at double what you currently pay. However, for lesser offenses, the insurance company will take a look at what type of relationship you currently have with their company. For example, if you have been with one insurance company for a long time, they might be a little more lenient on you.

The exact amount that your insurance premiums are raised depends upon multiple elements; therefore, it would be impossible to tell you just how much you are looking at. The best way to think about this is to avoid speeding, drive defensively, and never get behind the wheel while under the influence of drugs or alcohol. Not only will you save money with your auto insurance, but you might just save your own life or the lives of others.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

Article Source: http://EzineArticles.com/?expert=Kian_Chew_Chong

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Auto Insurance Rates - How Do Traffic Tickets, Accidents and DWIs Affect Your Auto Insurance Rates

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Auto Insurance Rates - How Do Traffic Tickets, Accidents and DWIs Affect Your Auto Insurance Rates
By Benjamin Robert Ehinger

Do you know the true cost of a traffic ticket, an accident or a DWI when it comes to your Auto insurance rates? Do you know how long these things can have an affect on what you pay for your insurance each year? These are offenses that insurance companies take into consideration when they are deciding how much to charge you for your insurance. They are all reasons that your insurance rates will go up and you need to know how much you can expect to pay if you get a ticket, have an accident, or get caught drinking and driving.

First, let us discuss traffic tickets. When you get a ticket for speeding, if it is your first, you can usually use the deferment program and pay the ticket. This means that as long as you do not get another ticket within a year the insurance companies will never find out that you got a ticket because it will be removed from your record. If you can use this program, then you should do so. If you have already used the deferment program, then you will have to report the ticket to your insurance and this will cause your rates to go up from 50% to 150% of your current premium.

It will make a difference if you were going 20 miles or more over the speed limit because that is considered wreckless driving and you will have to pay even more on your insurance premium.

Second, let us discuss accidents. Even an accident that is not your fault will raise your rates some. This is due to the fact that somehow you were in the situation where you ended up in an accident. This will not raise your rates too much, but if you have a few of them in a year or so period of time, then it will have a heavy effect on your rates. Now if you have an accident that is your fault, then you better be prepared for your rates to skyrocket. They will at least double and might even triple in some cases. Accidents are one of the worst things when it comes to your insurance rates.

Last, let us discuss DWIs. These are the worst for your insurance. Beside the couple thousand in court costs, lawyer fees, probation fees, and alcohol class fees that you will pay, you can expect your insurance to jump about 200% to 500% for the next year, then it will go down a little if you do not have any infractions. After about 3 years it might make it back down to where it was before, but it may take up to 5 years. This will most likely bring the total cost of your DWI up to around $5,000 to $7,000 when you could have taken a cab for under $50 or rented a hotel room for under $100. Instead you will pay for it on your Auto insurance rates.

Do you want your teen to be safe on the road? How about the insurance premiums, do you want to know how to get the best deal when it comes to Auto Insurance Rates incur? Get more answers here:

Auto Insurance Rates

Article Source: http://EzineArticles.com/?expert=Benjamin_Robert_Ehinger

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Auto Insurance Requirements

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Auto Insurance Requirements
By Jon James

Motor Insurance basic requirements in the UK come greatly from legislation, specifically The Road Traffic Act, modified most recently in 1991. The Road Traffic Act is an act of Parliament, legislating traffic in the interest of safety. This includes regulations on speed limits, parking spaces, and of course insurance cover. The Road Traffic Act requires motorists to have, at the very least, cover for injuries to others and also property damage resulting from driver negligence on a public road or in a public place. Police regulate this legislation on public roads, however the laws of the Road Traffic Act cannot be enforced on private land.

The government requirements for drivers are an example of Third Party Insurance. Though Third Party Insurance covers damage to others and the property of others, it does not cover damage to the car belonging to the insured motorist. Other types of insurance cover include Third Party, fire and theft and comprehensive. Third Party, fire and theft will cover what was just mentioned as well as theft and damage caused by attempted theft and also fire. The third type of cover available is comprehensive insurance. Comprehensive insurance will protect for the risks already discussed plus: accidental and malicious damage to the vehicle, personal accident, a portion of medical expenses, loss or damage to personal property in the vehicle, replacement of vehicle within the first year, and also glass replacement/repair.

In addition to being required to have proper insurance cover, it is also required by law to have proof of such cover. The documents showing proof are insurance are obtained by the insurance company when signing up for an insurance policy. The police can request proof of insurance for inspection. If a motorist is unable to produce proper documentation for a police inspection, they are usually given seven days to produce these documents at a police station for verification. If the motorist still fails to produce legal proof of insurance, they will be guilty of a traffic offense.

Another requirement for motorists in the UK is the display of the vehicle excise duty disc. The vehicle excise duty is simply a road tax, similar to vehicle licensing fees and registration fees. This tax is collected yearly, and is enforced by the Driver and Vehicle Licensing Agency. According to requirements, the duty disc must be displayed in the car of the motorist in order to be legally driven on public roads. This practice is to enforce to a greater degree that motorists have proper insurance when driving on public roads.

To further aid in the protection of motorists using public roads is the Motor Insurers Bureau. Founded in 1946, the MIB is a private, non-government agency, which compensates motorists who were victims to the negligible acts of those who were uninsured. The MIB is a sort of last resort for those who cannot seek compensation from any other source, and must comply with the government and also the Road Traffic Act.

It is important to have the basic cover required by law, however because it is often difficult to receive compensation when uninsured motorists are at fault in an accident, comprehensive is often a good choice. You should also look into ways to reduce monthly premiums such as getting an immobiliser for the insured vehicle. Also, it is important to research what type of cover would be cheaper in the long run based on premiums, especially if the vehicle is worth less than ¤4000.

It is extremely important have appropriate cover. In researching the basic requirements for motor insurance in the UK, you will find out how to be properly protected against the risks of driving and keeping a motor vehicle. Also, in properly following the legal requirements of driving a motor vehicle, you will be protected against further expenses involved in the event of an accident.

http://www.simplyfinance.co.uk

Article Source: http://EzineArticles.com/?expert=Jon_James

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Auto Insurance - What to Consider?

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Auto Insurance - What to Consider?

If you are considering auto insurance coverage for your automobile, you may easily do so with the help of Internet. With the advent of Internet, it is possible to get anything within a matter of seconds, then why not auto insurance. Just browse the Internet, where you can find thousands of websites offering this type of insurance coverage.

You can consider some best companies offering affordable auto insurance. In fact, many online insurance companies offer discounts for good auto rates. You have to inquire the insurance company for the eligibility criteria for this type of insurance coverage.
In addition, a few auto insurance companies offer discounts for going through a driver's training course and other driver learning programs. If you want to reap the benefit of this offer, you may need to have a new young driver or any family driver, so you get the chance to reduce on the driver's pay.

Remember that different types of autos have different auto insurance coverage and rates. You can ask the insurance companies about their rates as well. Often, sports and expensive autos bring in high rates. If your automobile has an excellent and satisfactory maintenance rating, there are high chances for you to get lower insurance rates.

You also need to know some basics about auto insurance premium rates before applying for it. Apart from these aforementioned such as maintenance rating and the driver-learning program there are some other criterions too included in this type of insurance. For instance, gender, the distance covered by the vehicle and the color of auto.

Remember that if you maintain your automobile constantly in a good condition, you have more chance of getting a reduced interest or premium rate on your vehicle's insurance coverage.

Other Considerations:

While buying an auto insurance or reviewing the existing insurance policy, you need to consider some essential things. First, ensure that the policy offers as much safety to your automobile. Know the maximum costs that your insurance company will repay after the maturity of insurance period. More significantly, beware of insurance deducible amount that you ought to pay even before the insurance company pays you anything.
Finally, know you responsibilities if an accident or mishap happens. Understand, auto insurance is one such beneficial thing that you do for yourself. With the number of accidents and theft occurring largely in the USA, it is essential for every auto owner to buy such an insurance coverage to secure both the vehicle as well as its owner in times of need.

Read more about auto insurance at Amica.

About the Author
by Peter Walter. If you are considering auto insurance coverage for your automobile, you may easily do so with the help of Internet.

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How to Get Low Rates on Car Insurance

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How to Get Low Rates on Car Insurance

Did you know that auto insurance is one area of your budget you may be able to trim substantially? If you haven't checked prices lately, you may not be getting the low rates on car insurance you qualify for.

Check out these tips and see if you can start saving some money today.

How's Your Credit?

Before you even begin checking out insurance costs, you need to check your credit record. You can get a free credit report each year from each of the three major credit reporting companies.

What does your credit record have to do with your insurance? Well, insurance companies look at your credit record, and they'll charge you more if your credit is poor, sometimes as much as 50 percent more!

By checking your credit yourself before you go searching for insurance, you can take steps to improve your record and to have inaccurate information removed.

Shop Around for the Best Price

You can potentially save big bucks on your auto insurance just by switching to a different company. Why? Because insurance rates from one insurance company to another can vary by hundreds of dollars for the exact same insurance.

The easiest way to check rates from different companies is to go an insurance comparison website. On these websites, you can get quotes from multiple insurance companies at the same time.

On the best websites, you can also talk with insurance experts online or by phone if you have any questions about your insurance (see link below).

Deductibles and Discounts Matter

You can also save money on your auto insurance by ...
* Setting your deductible as high as you can afford
* Making sure you get all the discounts you qualify for

The deductible is the amount you pay toward a claim before your insurer will pay. The higher you set your deductible, the lower your premium will be.

Discounts directly lower your insurance premium. Be sure to ask your insurer about any discounts you might be eligible for.

Where to Get Low Rates

Visit http://www.LowerRateQuotes.com or click on the following link to get low rates on car insurance from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on low rate car insurance.

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How to Get the Auto Insurance Prices that You Want

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How to Get the Auto Insurance Prices that You Want

When it comes to auto insurance, the insurers know you, as the policy holder, have many choices available to you. They also know how easy companies are making it to get a quote either online, or over the phone. So what makes each individual person choose a particular auto insurance company? Well, it depends on who that person is. There are many different levels of auto insurance, and it is based on each persons individual needs.

When a parent is looking to insure their new driver, also known as their teenager, it can become a daunting task. Many parents just figure it is going to be expensive to insure their teen no matter where they go, so they just accept whatever their current insurer has for them as far as rates. If that same parent did some shopping around and looked at different insurers, they may have found that they could save around $100 or more. In most cases, it is the fault of the policy purchaser. They have the tools around them such as the internet; however, they do not use them. Why not? It only takes about 30 minutes!

If you are a person who has been driving for years, has a clean record, makes payments on time and has good credit, you are in luck. Places like Allstate can offer you great discounts on auto insurance. In the auto insuranceworld, it is a known fact that age and experience play a crucial role in premium rates. If you have these specifications under your belt, you are done reading this article- you have the upper hand!

Should I go to a Site That has Many Quotes at Once?

If you are looking to get a few quotes in a quick time, I would suggest you do not visit a site that promises many quotes. Here is the problem with those. They ask for a lot of information, and send this information to companies you would never consider. This means, your information is in the hands of many spammers, junk email senders and people that are looking to make money off of you. I do not know about you, but I get enough junk email in my inbox daily. Also, when you do those quotes, the top 5 will always typically be the same, and you could have saved yourself the time, information and "special offer" nonsense, and went straight to their direct site. In turn, you would be visiting them directly anyway, right? Save yourself the hassle. Do your own research. In the long run, it will be quicker and more reliable.

If you choose to go with insurer A or insurer B, just make sure they fit your needs. Do not over pay for insurance you do not need. This is how they make their money. Usually, you will not have to use your insurance. It is just that, insurance or peace of mind. If you do use it, it usually is for something minor. There are unfortunate cases where you will need to make a claim that is large in size, and you want to make sure the company you pick can handle it.

About the Author
by Nick Vernon if you need to check auto insurance cost go to my website

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Auto Insurance For a Teenager - A Few Tips

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Auto Insurance For a Teenager - A Few Tips

Your wonderful teenager just got their license and they are ready to drive; but are you ready? When a teenager gets their drivers license, the last thing they are concerned about is the specifications and "small" details that come along with this new found privilege. Unfortunately, the person the biggest change falls on is on the parents. It is pretty much assumed that a teenager, when first getting their license can not afford their own insurance policy, and will typically not have their own car. What does this mean for the parents? It means that the parents are stuck having to squirm through and try to find the most reasonable way to include the teenager on their insurance policy. Many times, this requires a change in Insurer.

Fortunately, there are insurance companies out there that understand that inevitably, there are more and more teens daily getting their drivers license and looking for coverage. Insurance companies range widely on their prices and premiums normally, let alone when you add a risky driver. Here are some things to look at and consider when delving in to finding your teenager auto insurance coverage.

1. Look around for the best deal. The internet offers a great opportunity to shop around for competitive insurance rates for teenagers.
2. Make sure you are getting all the discounts available to you. Check to see if your insurance provider offer discounts on good grades, safer cars, and safe driver incentives. Most companies who insure drivers offer these, or at least some of these incentives.
3. Keep them on your policy. If you are going to pay for the insurance either way, it is a best bet to keep them on your policy. This will save you a lot. Being that teenagers are known to be risky drivers that cause more accidents than the norm, they have become a statistic that keeps individual teenage rates up. With the length and history of your driving record, you are able to combat at least some of these negative marks. Keeping them on your coverage could put you into a multi car discount rate if your teen has their own car.
4. Talk to your teenager. Explain to them how important being a safe driver is. Also include the consequences and actions that are taken for those who do not adhere to be safe drivers.
5. Have the Teenager Pay for their Insurance Coverage. If all possible, it would be helpful for your teenager to pay for their auto insurance. If they cannot pay all (which is often the case), work out a payment that they can reach. This is good for a few reasons. One, it will help the parents with the cost. Two, it shows the teenager that there is some responsibility with having there privilege. Three, it helps them in learning to manage money and set priorities.

There is hope for parent looking to get automobile insurance for their teenager, you just have to do some research and make sure you are getting the best deal.

About the Author
by Nick Vernon Check auto insurance cost by going to my website!

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4 Questions to Ask to Find the Best Car Insurance For Your Needs

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4 Questions to Ask to Find the Best Car Insurance For Your Needs

If you are embarking on a plan to get car insurance for your new or used vehicle, you may not be sure just what kinds of coverage you need to get in order to be properly protected. Here are some questions you can ask yourself to decide what you need to purchase in a car insurance policy.

What condition is your car in?

The answer to this question will help you decide how much collision coverage you need on your car. Collision auto insurance is the coverage that takes care of repairing or replacing your car if you are in an accident.

If you have a newer car, or a very special older car (such as an antique), you may want to have a higher level of collision car insurance on that vehicle. You want to know you can replace or repair the car were it to be damaged or totaled in an accident.

If you have an older car that mainly does it's job of getting you around, you may want to go easy on the collision insurance and save the extra money to buy another car if you should need to.

Are you in a no-fault state?

While you may think you are a safe driver and you won't be responsible for any damage to your car, you need to know if you are in a no-fault state. If you are, that means your insurance will have to pay for your car's damage even if the accident was not your fault. In this case you will need to make sure your comprehensive insurance is enough to pay for the replacement of your car were the worst to happen.

What amount of medical coverage do you need?

If you regularly have people in your car, you will want to make sure you have medical coverage for passengers worked into your auto insurance policy. If, however, you are alone and almost never have anyone else in the car with you, you may be able to limit this type of coverage and save yourself a couple of dollars on your car insurance premium.

Are you insuring more than one car?

If you have more than one car that needs auto insurance, you may be able to save some on the overall cost by having all of your cars insured by the same company. Most companies offer loyalty discounts for having more than one policy with them.

About the Author
Steve Sikes is an MBA and writes articles on insurance and other financial products. To read other educational articles on insurance at the InsuredItAll Learning Center or to get free insurance quotes for auto, home, health, life or long term care insurance, you will want to visit www.InsuredItAll.com

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6 Frequently Asked Questions About Car Insurance

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6 Frequently Asked Questions About Car Insurance
by Stephen Sikes

Everyone has car insurance coverage on his or her vehicles. After all, it's the law, right? But how much do you really understand what your car insurance does, how it works, and the things that can impact the amount you pay on your premiums? Here's a look at some of the commonly asked questions about auto insurance.

1. If I file a claim will my insurance get more expensive? Car insurance companies expect everyone to make mistakes every now and then. So, you should not see an increase in your rates for the first fender bender you have. If you have another wreck, you may start to see the increase because you will be considered less of a safe driver in the eyes of the car insurance company.

2. What are deductibles? Deductibles are the amount you will have to pay before the insurance company will pay for a claim. If you have a deducible for $250 on your car insurance policy and a wreck leads to $750 in damages you will have to pay the initial $250 before the car insurance company will kick in and pay the remaining $500.

3. Will my car insurance company cancel my policy because I am in wreck? Usually the answer to this is no. A wreck may mean you see an increase in rates, but often that is the extent of the response from the insurance company. The exceptions to this rule are if you were doing something illegal when you got into the wreck (such as being under the influence), or have a number of traffic infractions piling up. Once you start filing multiple claims or have a bad traffic history you may be cancelled because you are seen as a dangerous driver.

4. What does bodily injury coverage do? Bodily injury protection coverage is a plan that will protect you if someone is injured in a wreck and tries to sue you for damages.

5. What does no fault mean? No fault is a distinction many states have when it comes to what auto insurance companies have to cover. If you are in a no fault state is means no matter who is responsible for a wreck you will each have to rely on your own insurance company to pay for your damages. This means you will need to make sure you have adequate coverage to pay what you may need in a wreck.

6. What's Personal Injury Protection? If you happen to be in a wreck and people are injured either in your car or the other vehicle, a personal injury protection car insurance policy will pay for the medical, hospital and even funeral expenses for those injured or killed.


About the Author

Steve Sikes is an MBA and writes articles on insurance and other financial products. To read other educational articles on insurance at the InsuredItAll Learning Center or to get free insurance quotes for auto, home, health, life or long term care insurance, you will want to visit www.InsuredItAll.com



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How To Get The Lowest Auto Insurance Rates

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How To Get The Lowest Auto Insurance Rates

by Cary Bergeron

Car insurance is expensive, but it is one expense you cannot overlook if you own a car. Driving without insurance is illegal in every state, and doing so will cause you to face strict penalties and even lose your license if you are involved in a crash. However, you can lower the cost of your car insurance with careful shopping and these simple tips.

First, consider purchasing only the minimally required insurance. This is liability insurance in most states. Other coverage options, such as collision and comprehensive coverage, may not be worth the cost if you are driving an old vehicle that has very little value. Also, look at the amount of coverage you have. Most states only require you to have coverage up to a set minimum. Keep in mind, however, that if you cause an accident that causes more damage than your insurance will pay, you will probably be sued for the balance. Try to choose an amount of coverage that would cover most accidents but does not increase the cost of your coverage tremendously.

Another way to lower the cost of your car insurance is to insure your car using the same provider that handles your other insurance products, such as your life insurance and homeowner's insurance. Most providers offer discounts for multiple products. Be sure to ask about this when you call your provider with your other car insurance questions.

If you have a good driving record, you can get a lowered rate. You may need to ask about "safe driver" discounts, but make sure you have them applied to your policy. Many insurance providers will send bonus checks to their drivers for going a certain number of months without a claim.

If you are insuring a car that you rarely drive, ask about low mileage discounts. Since the car is rarely driven, there is little likelihood that it will be involved in a crash, so your insurance provider will likely offer you a discounted rate on your policy.

You can also get discounts for the safety features on your car. For instance, anti-lock breaks, airbags, and stability control systems are all features that make it less likely for you to be hurt in a crash. Ask for discounts for these items, if your car has them. Also, anti-theft devices that you might put on your car after you buy it could earn you a discount, so be sure to mention them to your insurance provider when you are asking your auto insurance questions.

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