Auto Insurance Report

Learn How to Get Cheap Auto Insurance

admin — Sun, 08 Mar 2009 04:28:00 +0000

Studens usually pay the highest price for auto insurance. Younger drivers are viewed as careless drivers by insurance companies because of accident statistics.

However, if you shop around you can still find student auto insurance for cheap.

The following are ways a student can save money on his policy.

Good student discount: If you show proof of have a 3.0 GPA or better, some insurance companies will offer you a discount.
If you don’t drive a lot as a student, you will be able to get a lower monthly payment because you are less of a risk.
If you have a good driving record, you are more likely to have a lower payment. There are really cheap insurance companies that give big discounts to students with clean driving records.
If you take a defensive driver discount, some companies will lower you payment also.
Safe Car Discount: Having a safe car can also save you money on your car insurance policy. Safety features like anti lock brakes, airbags, and a passive restraint system can all contribute to a safer vehicle and to saving you money on your policy.

These are some of the ways you can save money on your student car insurance policy. When looking for car insurance, make sure you shop around first. It will help you to get very cheap auto insurance.

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Debt Relief

admin — Fri, 20 Feb 2009 05:44:00 +0000

Debt can be a terrible burden to anyone and it is something that just creeps up on a person but the amount of stress it can bring is enormous. The best way to beat the debt stress is to learn how to manage your finances more thoroughly. How you obtain your debt relief will depend on how you decide to control your financial problem.

Do not let panic over the situation rule your actions as you will probably end up in a worse predicament. Even if you have taken out a large loan perhaps to pay off previous debts, it is imperative that you continue to pay if you want to clear the outstanding balance.

Create a budget for yourself by adding up all your income, payments and expenses which will help you check where your money is being spent plus your budget will highlight all the small, unnecessary expenses that can be eliminated. Cut your credit card usage, then start paying for goods in cash again and the psychological act of seeing the money physically leave your hands will make you more careful how you spend it. Get free discount auto insurance quotes today

Start a repayment fund to help with your debt relief and keep aside some money for this fund and although initially the fund may seem to be of no use, it will gradually benefit you as it accumulates. You will also find that if you do not eat out as regularly or continue with other types of entertainment then this too can go into the fund and help pay off your creditors one by one.

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BAILOUT

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Corporate Advisory Insight: Credit Default Swaps

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Auto Insurance Questions | Top 5

admin — Thu, 06 Nov 2008 17:57:07 +0000

There are always a lot of questions about auto insurance. It seems to be one of those things that we just can’t seem to wrap our head around. Well, here is a list 5 of the more frequently asked question that we have found. Hope it helps you out.

Why does my insurance go up if I have an accident or get a ticket?

Insurance companies charge higher rates to drivers with tickets and accidents because they are statistically higher risks. Claims statistics and studies by law enforcement agencies show that the chances of having an accident increases depending on how many tickets and accidents a driver has already had.

If I lend my car to a friend, is he or she covered under my insurance?

Most policies will cover drivers who have permission to use your auto. But check your policy, or ask your agent, to see if the conditions of your policy will change for drivers who are not regular operators of the car.

I have an older car whose value is very low - do I need insurance?

You should always have bodily injury and property damage. In most states you’re legally required to carry a minimum amount.

Will my insurance cover my leased car if it is stolen or totaled in an accident?

Your insurance company should handle your claims the same way whether you own, lease or finance your car. But, make sure to check on your company’s rules about leased cars.

What does my auto insurance policy cover when I rent a car?

It depends on your policy. The best thing is to review your policy or ask your insurance agent. For example, your policy may cover cars rented for pleasure, like vacations or special events, but not for business.

Source: Insweb.Com

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Auto Insurance Best Rates | How does it work?

admin — Wed, 05 Nov 2008 17:53:20 +0000

You got your keys are you are ready to roll. Wait, one more thing before you hit the gas: you need auto insurance. Great. What is this going to cost me? Well, prices vary by company and you should compare prices thoroughly before you purchase a policy.

What affects my policy’s price?

What kind of car you drive is the main factor. A sports car is going to cost more to insure than a family sedan. If you purchase a vehicle that has a high theft rate, your coverage will probably be more expensive. Your coverage, for the most part, will be based on the value of your car.
Another factor that affects auto insurance costs is where you live. If your physical address is in an area where there is a high occurrence of accidents, insurance will cost more money for you. Since more cars are damaged in urban areas than in rural areas, you will probably pay more for insurance if you live in a city.
How often you drive will also affect your insurance costs. Your age, sex, marital status and driving record are all taken into account when you buy an insurance policy.

Keeping those rates low

There are a few things you can do to get those best rates:

a) If you are looking to buy a car, consider buying a car that going to look good in the insurance companies’ eyes. Insurance companies know what kinds of cars are prone to problems. They also know what kinds of cars are most often stolen. If you don’t have your rig yet, find out what cars make this “good list” among auto insurers.
b) Most insurance companies offer discounts for a variety of reasons - good students, having more than one car insured and accident-free driving all have a chance of getting you a discount. Ask insurance companies about specific discounts that may be available to you.
c) The less you use your car, the less your insurance will cost you. So if you can walk, carpool, or use public transportation, you will be able to get a better rate.
d) Drive carefully. Insurance companies are not happy to insure people who get into a lot of accidents, so the safer you drive, the less you will have to pay for auto insurance.

I know these last four things may seem quite simple, but it really is as simple as that. By following these tips, you should have no problem getting the best rates for your auto insurance.

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Auto Insurance Terms

admin — Tue, 04 Nov 2008 17:45:38 +0000

Auto insurance can be confusing as it is. Throw in some sometimes crazy vocabulary words and well, it can enough to want to pull the bike out of the garage and give up driving. Here are a list of common insurance terms ad what they mean in the simplest form. Hope this helps you out.

Deductible - The amount an insured person must pay before the insurance company pays the remainder of each covered loss, up to the policy limits.

Multi-Car discount - A discount offered by some insurance companies for those with more than one vehicle insured on the same policy.

No-Fault Insurance - Many states have enacted auto accident laws permitting auto accident victims to collect directly from their own insurance companies for medical and hospital expenses regardless of who was at fault in the accident. Although there are many legal variations of no-fault insurance, most states still allow people to sue the party at fault if the amount of damages is above a certain state-determined amount.

Personal Auto Policy - The most common auto insurance policy sold today. Often referred to as “PAP,” this policy is written in simple wording and provides coverage for liability, medical payments, uninsured/underinsured motorist coverage, and physical damage protection

Split Limit - Any insurance coverage with separately stated limits for different types of coverage.

Term - The length of time for which a policy is in effect.

Usage - This refers to the primary function or purpose of your vehicle. For example, if you primarily drive your car to and from work, the usage is considered commute.

Liability - This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.

Collision - This coverage pays for damages to your vehicle caused by collision with another vehicle or object.

Comprehensive - This coverage pays for loss or damage to the insured vehicle that doesn’t occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

Medical Coverage - Pays medical expenses regardless of fault when the expenses are caused by an auto accident.

PIP - Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

Uninsured Motorist - Pays your car’s damages when an auto accident is caused by a driver who doesn’t have liability insurance.

Underinsured Motorist - Pays your car’s damages when an auto accident is caused by someone who has insufficient liability insurance.

Rental Reimbursement - This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.

Source: Insweb.Com

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List of Auto Insurance Providers

admin — Mon, 03 Nov 2008 17:40:38 +0000

21st Century
AIG
Allstate
American Family
American National Property & Casualty (ANPAC)

Amica Mutual
Award Recipient
Automobile Club Group (ACG)
Automobile Club of Southern California (ACSC)
Auto-Owners
California State Automobile Association (CSAA)
COUNTRY
Encompass
Erie
Farmers
GEICO
GMAC
Hanover

Liberty Mutual
Mercury
MetLife
Nationwide
Progressive
Safeco
Sentry
State Farm
The Hartford
Travelers
USAA *

List compiled by JD Powers and Associates.

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Auto Insurance Short Term

admin — Sun, 02 Nov 2008 17:37:27 +0000

Do I need short term auto insurance? Maybe, if you are:
1) from Europe visiting your new online friend
2) taking a trip to Florida during hurricane season
3) making a historic Route 66 cross country trip

Short term car insurance policies can reflect liability coverage or full vehicle collision repair, as well as medical. The coverage is usually good for six months, and you can pay for it monthly or all at once. The short term insurance policy is only limited in how LONG you have the coverage, not the AMOUNT of coverage

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