Posts Tagged ‘Car Insurance’

AZ Auto Insurance Is A Total Must

Wednesday, January 6th, 2010

In every state the law requires drivers to have car insurance. Some of the states require more insurance than other states do, but Arizona has an insurance or financial responsibility law. One of the expenses of driving a vehicle is the expense of insurance.

If a police officer pulls you over in some states and you do not have insurance, your vehicle registration can be canceled and the license plates be removed from your vehicle. Other states allow for fines and require you to prove that you have insurance to the court. Insurance companies often charge more for filing this paperwork.

Canceled registrations and fines are the least of your worries if you are involved in an accident without insurance. The cost is going to be much more.

Some states have laws that place financial responsibility of an accident on the driver without insurance. Even without those laws you could be financially responsible if you are at fault in the accident. Medical and property losses can be very large in even a small accident when you are paying out of pocket.

Your own vehicle could be a total loss and you may have to pay for the damage caused to any other vehicle in the accident. Since new vehicles often cost twenty to thirty thousand dollars this can be a significant amount of money.

You will also have to pay hospital bills for anyone injured in the accident. A minimum emergency room visit is three thousand dollars and intensive care can cost three thousand dollars every day. Add the costs of surgery and you could easily be responsible for thirty thousand dollars per person involved in the accident. These costs can break you financially.

You may think that your are a safe driver and that you are not likely to get into an accident, but even the most defensive of drivers sometimes have accidents. Just a short distraction can cause accidents to happen. It can be a cell phone ringing or a child screaming that distracts you but you are distracted and traffic stops. You find yourself involved in an accident.

Driving without insurance is a penny wise but pound foolish philosophy. If you are a safe driver with not accidents or moving violations, you may be able to find insurance that is very inexpensive. The amount of money it saves you can be great.

Get info about saving money on Tempe auto insurance and also finding Tempe car insurance quotes and rates.

Car Insurance Policies That Fit Your Needs

Sunday, January 3rd, 2010

Because it is the law to have car insurance, it is important to purchase a policy that fits your need. Some policies can be expensive as it may include coverage that you do not need. There are various types of insurance policies that you should be aware of before you make your selection. It may seem a time consuming task to figure out what the various policies include. To make your insurance policy selection easier, below are a few tips on how to find car insurance policies that meets your needs.

1. It is important to understand the different types of insurance coverage available. Liability insurance will cover you in the event that you cause a vehicle accident and cause an accident. It provides coverage if another person sustains property damage and physical injury. Most states and provinces mandate set minimum liability insurance. Collision coverage is insurance that will cover you if your own vehicle is damaged and needs repair as the result of a vehicle accident. It is recommended for those who have valuable cars. Comprehensive coverage is insurance coverage that covers non-collision damage such as vandalism, theft, or damage from a storm. There is also Uninsured Motorist Coverage. This is coverage that covers you for damage an uninsured driver has when driving your car.

2. To find an insurance policy that fits your needs, you should first determine how much you can afford to pay for a plan. You have to have minimum liability coverage so it is important that the coverage you buy is enough to protect you. If you only have minimum liability coverage and you injure someone, your personal assets may be at risk. You have to determine how much you can pay out-of-pocket in the event of an accident. Comparing auto insurance online is a great way to find a deal. Most people will buy high liability coverage to ensure full protection. As well, if you have a car that is not worth very much and plan to replace it soon, you may want to forgo buying collision and comprehensive insurance. Remember, you are compensated for the Kelly Blue Book value of the car.

3. If you are looking to lower your insurance premium, make sure you take advantage of cost cutting incentives. For instance, increasing your deductible will lower your monthly insurance payments. It is important to make sure you can afford the deductible in the event of an accident. For example, if you have a car accident that results in $3000.00 damage, and you have a $500.00 deductible, you will be required to pay the $500.00 before the insurance kicks in. Increasing your deductible means you are taking on more risk, therefore your payments will be lower. Most insurers will provide you with car insurance quotes directly on the Internet after inputting certain factors. Other discounts that may be offered to include low mileage discounts, anti-theft device discounts, multiple vehicle discounts, ‘green’ car discounts, safety feature discounts, and driving program discounts.

When you know all of the car insurance options available, the greater chance you have of purchasing a policy that fits your needs and ensures that you have the appropriate amount of coverage. When searching for car insurance, it is essential to compare at least three different policies from different insurance providers to ensure you are getting the best policy at the best price.

Comparing auto insurance online is a great way to find a deal. Most insurers will provide you with car insurance quotes directly on the Internet after inputting certain factors.

Why You Want International Auto Insurance Plus Where To Get It

Saturday, January 2nd, 2010

Some people enjoy traveling around the world and seeing other cultures different than our own. Some who travel a lot may even choose to stay in a certain country for an extended period of time to live there and truly experience the culture.

But what about transport? Do these people simply rely on others and public transport? This may work for some but a more permanent solution would be to buy or indeed rent a car and sign up for international auto insurance.

Most Americans with auto insurance will find that they are not insured outside of the US, for this reason it is essential that one contact their insurer in order to verify whether their actual policy does or does not cover them abroad.

One company that offers international auto insurance is Geico. Geico started out as an insurance company that insured government employees including the people in the military. Since 1954 Geico has also insured people from America in over two hundred countries around the world.

Basically what they do is locate a local insurance company in the country where the person in question will be staying. Obviously you could do this yourself however you wouldn’t have the contacts they have and so you could end up getting ripped off, not to mention it could be a whole load of hassle especially if you don’t speak the language.

International auto insurance is made easier when people deal with Geico. Geico now sells insurance to everyone in the US and not only government employees. They are very customer friendly and competitively priced.

Other international auto insurance companies available

AIG is one more big name in the international auto insurance game. Like Geico AIG also runs all of their international auto insurance through a subsidiary, in this case by the name of American International underwriters.

They do this in order to get the most protection available in any other country. For those people who now live full time in the country they have visited, AIG now has a service for them too. People can call AIG to find out more information.

Both of these companies are heavily used by Americans in need of international auto insurance, nevertheless there are of course other smaller companies out there that may or may not do a good job.

While both of the international auto insurance companies are close in service and cost, people might just want to call each company to directly compare prices and services.

When dealing with international auto insurance, the main goal is to make sure that a person is genuinely covered from the country they will be in. Both of these companies have a long history of helping Americans overseas.

After looking at American International Auto Insurance why not also see our latest write up about Washington Auto Insurance Quotes.


Friday, January 1st, 2010

Insurance is not required by law in South Africa. Given this fact, most South Africans choose to save a little bit of money and go without the insurance. In the long run, however, this has proven to be a very costly mistake.

We can learn a lot from financial institutions in regard to the importance of insurance.. Banks will very often require car insurance before approving your auto loan. Banks also require homeowners insurance and sometimes life insurance before approving a home loan. Doing so protects the bank from financial losses in the event your property is lost, stolen or damaged or in the event of your death. You are also protected since insurance cover will provide you the means to pay the bank under these circumstances.

Armed with this knowledge, wouldn’t it then make sens to protect your assets, even if the bank doesn’t require you to? The decision to not obtain insurance coverage for your assets is a big one. Take a look at these common types of insurance and see if any of them would be of interest to you.

Life insurance is the most underutilized insurance options for many South Africans. Most of us are familiar with decreasing term life insurance that is linked to specific debt such as our home loans. But life insurance can do more than pay off debt. Life insurance payouts can ensure that your family will be able to maintain its lifestyle in the event of your death. The right whole life insurance policy will provide you and your family this peace of mind.

As a leader in providing excellent life and medical insurance for people suffering from HIV/AIDS, South Africa is now one of only 2 countries in the world where HIV/AIDS patience can purchase medical coverage through there insurance company, thanks to the escalating success rate of the treatment of this particular disease.

In South Africa it is legal to drive an auto without car insurance. In fact, about 35% of drivers do not have any insurance. However, to own an uninsured car in South Africa is lunacy, as thefts, accidents, and hijackings are a daily occurrence. For anyone who cannot pay for repairs, thefts, or doctors’ bills for injuries, auto insurance is a must. All of these scenarios are accounted for in a Comprehensive Cover policy.

If you own your home you most likely have homeowners insurance. But, if you rent, you should consider renters insurance to protect your belongings in the event of fire, theft or other property damage. To lower your premiums for these policies, you can add voluntary excess amounts and add security devices. For homeowners, do not include the value of the land your home is built on when you estimate your homes value. No matter what happens to your house, the land will still be there.

You might think that insurance is an unnecessary expense. It may seem so, but what would you do if you had to pay to have your or another person’s car replaced following an accident? Just think about how hard it would be for your family to get by if you were to die suddenly. This type of thing happens to people every day, but you and your family don’t have to be among them. Don’t wait any longer, start looking for the insurance you and your family need to be safe.

Knowing this, doesnt it make sense to protect yourself without the bank requiring you to do it? If youve made the choice not to insure your property, or yourself, take a moment to review the most common types of insurance and their benefits.

Tom Martens is the syndication coordinator South Aricas leading Insurance information portal.

Finding Short Term Car Insurance

Wednesday, December 30th, 2009

Short-term car insurance will be expensive due to high risks, especially in places such as South Africa. Knowing how to lessen the fees will help lead you down the correct path.

First, let’s examine what is driving the costs. Car insurance risk is the major culprit behind higher short-term insurance premiums. Industry experts cannot ignore that South African roads are increasingly dangerous. The country is often a leader in traffic injuries and fatalities. The privilege of driving is constantly being extended, even to those who are not qualified drivers.

As carmakers continue to upgrade their offerings, prices reflect those gadgets, leather seats, on-board computers and more. As car prices go up, so must the cost to insure them. Younger drivers have always been viewed as a higher risk. Drivers aged’-30 historically pay the highest rates.

Insurers should consider that car theft and hijackings when they calculate their premiums. Statistics show a decline in thefts while hijackings continue to rise. In the homeowners insurance market the main factor is fraud. Some estimate that 6%-10% of short term insurance claims are fraudulent, that amounts to more than $2 billion yearly.

Now, how can you overcome these factors for your own personal situation? Even though you have no control over the number of fraudulent claims, you can keep their effects from impacting your premiums. Try making the offer to your insurer to submit to a polygraph test each time you submit a claim. Many will offer a substantial savings on your premium in return for your honesty.

For car insurance, start by increasing you excess as this can lower your premium. Take this into consideration as you gather quotes. Also, be sure you can afford to pay the excess amount you choose in the event of a claim.

Maintaining a clean driving record not only keeps you safe, but can also save you money. If your driving record isn’t as clear as it could be, you can attend a driving course offered by car manufacturers or the Automobile Association. This can help clear negative history. Driving courses aren’t just for bad drivers, however. A driver with a clean record can attend to possibly lower their insurance premiums.

And, if you live in a high-crime area, consider moving. This can reduce both your car and homeowners insurance rates. Adding security devices can help as well. Anti-hijack devices and global tracking systems are good investments for this purpose.

You should look around for the best rates, but don’t just go for the cheapest. Make sure the policy you choose is adequate as well as affordable.

Tom Martens is the content syndication coordinator for South Arica’s leading car insurance portal.

Auto Insurance -Save On Auto Insurance

Monday, December 28th, 2009

There are so many risks and liabilities associated with driving and owning a car. This is why car owners are required by law to have auto insurance.

What is an auto insurance?

Auto insurance is an agreement between an insured person or group and an insurance company. Its main purpose is to provide you and your car protection against losses and liabilities incurred as a result of accident. Also known as vehicle insurance, car insurance and motor insurance, it is an insurance purchased for vehicles like trucks and cars.

How does an auto insurance work?

The insurance company charges the insured person or group an amount of money, called premiums, as payment for insurance coverage. In return, the person or group insured receives compensation from the company in the event of loss or accident as defined in the policy.

The insurance company issues the insured person or group a proof of insurance, which will be presented if the insured person or group gets involved in an accident or is stopped by law enforcement officials while driving. The proof of insurance serves as evidence that the vehicle is insured for a particular period of time.

Auto insurance comes in several types. Some are required by law while others are optional for all car owners. Expensive cars and sports cars have higher premiums.

The insurance coverage has a very specific insurance policy. Usually, auto insurance gives medical coverage, liability coverage and property coverage. Medical coverage provides payment for medical treatment and rehabilitation as well as lost wages and funeral expenses. Liability coverage pays for the legal responsibility of the car owner to others for property damage or bodily injury. Property coverage pays for damage to or theft of the insured car.

Different auto insurance law, coverage requirements and costs apply in each and every one of the 50 states in the USA. Understanding the laws, coverage regulations and requirements in your state is highly beneficial to you. For one, it can keep you legally protected in an auto accident event. It can also save you significant amount of money on your auto insurance policy.

Here are some tips:

1. Shop for insurance before buying a vehicle to get the best deal possible. Compare insurance quotes first. Do this at least twice a year as rates are always changing. This will increase your chances of finding lower rates as rates vary from company to company.

2. Know the different discounts or premium reductions, or special insurance rates that auto insurances offer and take advantage of them. There are Low Mileage Discount, Good Student Discount, Multi-Car Discount, Safe Vehicle Discount and Good Driver Discount that you can avail of. You can also earn discounts with your Age (being at least 25 years old), your Good Credit Score and by using Car Pooling and Public Transportation. You can also purchase other policies from the same company and/or avoid installment fees to get more discounts.

3. Know the different coverages. Avoid duplicate and unnecessary coverage. When adding physical coverage to a vehicle, consider higher deductibles.

About the Author: Fred Gagnon specializes in providing tips and information on auto insurance. To learn more about auto insurances, visit Auto Insurance Qoutes and Auto Insurance Qoutes Online.

Compare Insurance

Friday, December 25th, 2009

It is hard not to view insurance payments as money down the drain, so many of us use price quotes as the deciding factor when we select car, home or household insurance. No one wants to be “taken” on their insurance premiums.

Many consumers come to regret the policies they purchased when it comes time to file a claim with their insurance companies. This is usually when we find out what we’ve been paying for with our premiums, and more often than not, we find out that we get what we pay for.

Therefore, a variety of companies can be found that offer excellent service and comparable pricing. In order to differentiate between them, you will need to do your homework. Research individual companies to determine their rates and benefits.

It is important to research insurance when you are starting to look for insurance. There are many terms, and practices that you need to be familiar with. There are many sights online that can help you learn about car insurance and the terms, some will even offer online quotes. It is important that you not feel pressured to make a decision on the spot. You may end up calling specific companies for details on options, but before you make the call make sure you know what they are going to be saying to you.

When you start negotiating with the insurance company, you’ll hear novel terms and listen to consultants who try to pull fast ones on you. You need to know what will happen when you submit a claim, and what the terms of your policy include. Ask any questions that you need to ask to clarify the policy. Any company that wants your business should be willing and able to explain its policy to your satisfaction.

Foregoing all the jargon that can accompany this explanation, it essentially boils down to your risk profile. If you’re a high risk, you’ll pay a higher premium. If you’re a low risk, you’ll pay a lower premium.One thing it is important to understand about insurance is how the companies determine your premium.

These factors can influence the various types of insurance in different ways, but some have the same effect on each insurance type.The value of the item(s) to be insured, your history of claims, the type and amount of cover you want to buy and the risk the item(s) being insured are exposed to,several factors influence your risk profile, including, age, gender, place of residence.

Home, household, and car insurance will cost you more if you live in a high-crime area, because of the increased risk of burglary and hijacking. You can lower your car, household, and home insurance premiums if you add security measures beyond those required by the insurance company.

One way to decrease your premium is by increasing the excess amount, this is the amount that you pay when you have a claim.

It takes a while to establish your driving record and history with an insurance company. If you are just starting out with insurance you will find that you will not be eligible for discounts. Some insurance companies do offer breaks and rewards to new drivers, I have seen some companies offer incentives to those who have good grades and show signs of responsibility.

Tom Martens is the content syndication coordinator South Arica’s leading Insurance portal

Car Insurance

Friday, December 18th, 2009

The South African car insurance market has some unique challenges. For the most part, South Africans have the choice of buying car insurance or not, so that translates into a majority of the country’s drivers operating uninsured vehicles. South Africa is also a very risky place to drive. It often leads the world in the number of traffic injuries and deaths each year.

Risky drivers and uninsured motorists are causing the cost of insurance to rise for everyone.

Comprehensive Cover provides the highest level of protection, and, so, is the most expensive. Its cover includes protection provided by the two lesser types of cover, Third Party and Third Party Fire and Theft. These cover you if you damage other peoples property in an accident or if someone is injured in an accident that is your fault (Third Party) and in the event your car is damaged by fire, theft or attempted theft (Third Party Fire and Theft). Comprehensive cover adds to this by covering damage to your vehicle, limited medical expenses and replacement of broken glass.

This may not mean much to you right now. But when you realize that each time you get behind the wheel, you take the risk of damage to your car, to yourself, and to other people and property into your own hands, driving without insurance is really a frightening idea. Can you afford to repair or replace your car if you are in an accident? If you cause an accident, can you afford to repair or replace someone else car or property? What if your car is stolen, hijacked or vandalized? If you cant afford to pay for these things out of your pocket, you need insurance.

Now that you’re aware of your need for insurance, take some time to learn about the options you have to lower your premiums.

Your driving record is a major factor. Any violations that appear on your record will be a red flag to the insurance company, suggesting that you are a higher risk; therefore your premiums will be higher. In subsequent years, your premiums may decline if your driving record improves. Drivers with clean driving records may receive a discount for each year in which they do not file a claim.

The kind of car you drive also makes a difference. Expensive sports cars cost more to insure because accidents or thefts are more likely and repairs cost more.

Some insurances allow for lesser rates if you make your car more safe. Consider putting in a GPX or extra locks to hold down insurance costs.

As you begin to research your insurance options, you’ll find comparing quotes and policies easiest online. You can even get a discount for buying your policy online. Keep in mind as you’re shopping that the cheapest insurance is not always the best choice. Your goal is to find the insurance that meets your needs at a price you can afford.

Graham McKenzie is the content syndication coordinator for South Arica’s leading car and vechile portal.

Steps To Process A Car Accident Insurance Claim

Friday, December 18th, 2009

Filing a claim for accident insurance is very easy, but the anticipation regarding the accident make the process seems very tough to get completed. If you file your claim correctly, in the right way then it should be processed in less than a week?s time, though it may take almost a month before you receive your check for any medical expense or damage.

After an accident, the first thing you must do is ensure that everyone is safe. In case of a grave accident, you must immediately ask someone to cal at 911 for assistance. You must also remember to not rush into admitting your fault. If it gets proved that the accident was not caused due to your mistake, you may still have to have the compensations. Try to get control over the situations, calm people around you and then approach the other driver or drivers

You must not get involved in any other thing except exchanging information with the driver or drivers. Get each other?s names, phone numbers, addresses, and other insurance details. You can wait for the police officer to come and do this for you if the other party seems offended. After the police officer arrives, they will create a report with whatever information available.

Before anything else is done you should take a few quick pictures. Of course, if you are in a busy area they will want to get the cars out of the way as soon as possible, but you need to get pictures before anything is moved. Get pictures of the damage to both cars and the surrounding area.

Remember to call your claims representative as soon as you can. If both parties agree to wait a little, then may be the representative can arrive at the spot. They assist in taking pictures, talk to the witnesses, and get all the information required. The agents will also assist you in filling out the claim form, either in person or over phone. The agents want to know the exact time and place of the accident. It is recommended that you get a police report copy and send it to the insurers if required.

Generally, you are free to leave the scene after you have called your claims representative, taken pictures, and exchanged information with the other car driver or drivers. Even if it is a light accident, you must not and leave the spot without exchanging any information otherwise it would be called a hit and run. The insurance check should come by mail, but this can take weeks or may be a month. You will most likely have to bear all the initial costs from your own pocket.

You can ask several things to the claims agent to clearly understand the claims procedure. You may ask things like your coverage details, as different types of plans offer dissimilar coverage. You may question the agents as to when the remaining paper work is due, though its generally done in less than a week. In case of grave accidents, you may get your lawyer have a look at your legal formalities and paper work.

Graham McKenzie is the content syndication coordinator for South Arica?s leading car insurance portal.

Cheap Car Insurance For Young Drivers

Thursday, December 17th, 2009

Have you ever wondered what exactly is up with cheap car insurance for young drivers and 17 year olds? This informative report can give you an insight into everything you’ve ever wanted to know about car insurance for women and teenagers.

Teenage drivers must take the insurance that is called teenage auto insurance. The problem is that teenagers are new drivers and no experience so insurance companies charge higher premiums due to the risk is high. Auto insurance for cheap is really great and good news. You cannot get it at cheap rate. Auto insurance laws in Montana operate under what is known as a tort system. In a tort system, a driver is responsible for any damages caused by an accident if they are deemed responsible for the accident.

Comprehensive insurance pays for your loss due to natural disasters, fire, or stolen vehicles minus your deductible. This insurance also covers glass replacement due to hitting a deer on the road.

So far, we’ve uncovered some interesting facts about car insurance for women and teenagers. You may decide that the following information is even more interesting.

Auto insurance requirements are at the state level and such decisions are reserved by the state according to the Constitution of the United States. Auto insurance that is mandated by the [state] government(s) is to protect other people, not you. You are required to carry liability insurance to cover damages to other personnel or property, not yourself.

Shopping at Insurance Set makes it easier because you can quickly see multiple companies and their rates for your particular situation. Shopping for rates can be simplified greatly by using the Internet to one’s advantage. Many websites offer quotations online at no charge. Shopping for a car insurance company which sets rates according to multiple tiers can ultimately save you money. Shopping around every so often for the best deal is advised by some; however, consumers need to be sure that the service they expect is still available.

Auto insurance companies always want an estimated number of miles driven, but these numbers are far from accurate. Auto offers you tools to help you get car insurance that meets your needs. Get autos insurance quotes online. In May 2009, the national average for auto insurance was $1,871. The average insurance premium for a Toyota Prius, however, was roughly $1,300. For one thing, teens find it a lot of work to learn driving, to get a license to drive, to shop and buy a vehicle.

Take time to consider the points presented above on cheap car insurance for young drivers and 17 year olds. What you learn may help you overcome your hesitation to take action.

About The Author: helps you to compare cheap car insurance for young drivers and brings you free car insurance for woman hints and tips. You have full permission to reprint this article provided this paragraph and the hyperlinks are kept unchanged.