Showing posts with label Car Insurance. Show all posts
Showing posts with label Car Insurance. Show all posts

Thursday, December 29, 2011

What to Do After a Car Accident

Just about everyone of us have very little or no experience at all at the scene of a car accident. But knowing beforehand the right and appropriate steps to take during such instances is very improtant to every driver.

No matter whenever the hit is a minor fender curve or a major car accident, having the knowledge on what to do next will definitley make the unfavorable experience a little less traumatic. Knowing what to do next will also help you avoid even further mistakes.

Most likely than not, your area or the state you live in has provisions for information that are important like this one. Check out the agencied responsible for regualting insruance in your place and ask for a copy of the materials, or brochures, that indicate the legal steps you should do in case of an accident. This is very important since different states and areas have different traffic regulations. Knowing what traffic regulations that apply in your area will work best for you.

Below is a concise of information on what to do after an car accident which you may copy or print out to serve as your guide.

Step 1 It is very important that you stop your vehicle after an accident. Not stopping your car can put you subjected to a criminal offense or prosecution.

Step 2 If anybody is hurt or wounded, or if the entire damage to all the cars and material possession involved comes out to be more than a thousand dollars, better call 911. If nobody suffered and injury and entire damage to all the cars and properties involved seems to be lower than $1,000, call your local police for guidance and directions.

If the police force are not discharged, you must report to a Collision Reporting Centre within twenty-four hours. Check your local phone directory or the internet, to find a Collision Reporting Centre in your area

Step 3 Turn on the hazard lights of your car. Once it is safe already, move your car to the safe side of the road.

Step 4 Get the addresses, names, phone numbers, licence numbers, driver's licence numbers, and auto insurance details of the drivers and the owners affected by the car accident. (Some states provide downloadable accident worksheet together with the electronic brochure.

Step 5 Get the contact information of all the passengers, if there are any, and even the witnesses.

Step 6 Put down on record the particular information about the setting of the car accident.

Step 7 Finally, it is important to let your broker, auto insurance agent, or auto insurance provider know about the accident the soonest possible time. You may also ask them for help and guidance on how you can claim your auto insurance.

These are just few of the helpful steps you may wish to observe or implore in the event of an accident. The most important thing to remember is that you should gather all the information necessary in the event of the accident. This will work for your own best in the end.

Article Source articlesnatch.com

Thursday, September 11, 2008

Smart Tips In Comparing Auto Insurance Quotes

It is very important to compare auto insurance quotes if you have plans of getting your vehicle insured. You need to evaluate the different rates, since various companies have different prices of the same coverage, to get the right deal. You should be able to the best insurance at the expense of what you pay for.

Before you start calling the insurance agents or go online to compare auto insurance quotes, you need to note down some information and keep it ready. A lot of factors can influence the insurance rate, and by providing a company with as many details as possible you ensure the right quote.

The information you will need includes the number of your driver's license, your address and social security number, driving history, your car's model, year and make, VIN, mileage, and the condition of your car as well as your personal health condition. What will also affect the insurance price are your age, the place your vehicle was registered in, and additional safety features installed on your car. Depending on each company's policy, you may be requested for a few extra details.

Try to look up the Yellow Pages and contact different companies in your place and compare auto insurance quotes. If you have a little time, you can just browse through quotes on the Internet. Go online and search and compare auto insurance quotes yourself or you can try websites that give comparisons free of charge. Finding one online is easy because there are many websites that offer such services; some only specializes on a particular state and others offer services all over the country.

Try to consider also getting inquiries from the insurance company that offered your home insurance because they might give you special discounts since you're a previous customer. Be exact on what category you need for your insurance coverage since companies have its own coverage policies. Coverage policies are usually available on the Internet so you can check it online. Ask about the minimum coverage that your state allows so that you can reduce the insurance cost.

Through the Internet, you can easily get insurance quotes from various companies. If you still have time, try calling some insurance agents if you want further discussion on some possible options.

Just go online, type compare auto insurance quotes in the search box and the numerous websites offering the free service will be there for you to use.

article from: articlesnatch.com

Monday, March 17, 2008

What goes into my rating info, how are my car insurance rates determined?

Your auto insurance rates are determined by a number of factors:

-driving record

-usage, how you are using the vehicle, work, pleasure, business

-how many drivers you have and their ages

-how many vehicles you have

-what kind of coverage limits you want

-what area you live in

-your payment history

-what color car you drive

-your insurance credit score

-your claims history

-your occupation and how many years you have lived at your current residence

-how fast you can solve a Rubix cube

-your daily, weekly, annual mileage

There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives of the same background that way you are not paying for drivers that are much worse than you.

Similar risks will pay similar rates.

Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage.

The area you live in affects your rates due to the fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affluent area your rates may be higher due to the higher value vehicles in your area cost more to fix than in an area with lower value vehicles.

Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.

If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.

If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.

The higher your insurance credit score the better. The insurance credit score is similar to your FICO credit score such that the higher your FICO score the lower your interest rate and the higher your insurance credit score the lower your insurance premium.

Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates.
by A. Chris Tijerina

Sunday, March 9, 2008

Choosing The Best Auto Insurance Provider

Nowadays, having an automobile insurance is relatively beneficial for every vehicle owner which absolutely protects every driver and its finances. Finding the right and ideal car insurance company is one of the major factor to save money on car insurance and assist every policyholder for their future requirements.

Your current auto insurance company is not the only insurer, so switching from various vehicle insurance provider must be considered.

Furthermore, having an auto insurance agent is also ideal. An auto insurance agent will assist every possible insurance consumer with their needs. These people provides guidance and answers relative vehicle insurance questions which every policyholder needs to know. Being an expert to the business, they will help you to find the best auto insurance deals which is suitable for you and your family. They also help you to find an ideal vehicle insurance plan and services available from various insurer to avoid some unreliable car insurance companies. Having an insurance agent would be absolutely beneficial in choosing the right automobile insurance policy which can save lot of time and work. They will guide you in order to find the best policy at the lower rate.

However, it is still recommended to do an extensive research from other insurance companies to ensure you that you get all the necessary information to make you informed on the policy that you really required.

Another sensible way is to make an online shopping. Compare some potential rates from various car insurance provider by filling out quote forms. Be sure that you put all the necessary information to get an absolute and ideal auto insurance quote because the more car insurance quotes you get the more options you have.

After getting an auto insurance quote, it is also recommended to call the chosen vehicle insurance company. From this, you can evaluate a potential company from the way they answer your valuable inquiries from an insurance agent at the other end.

However, car insurance companies must be sorted based on their experience because many companies are only internet-based which they may provide unreliable car insurance quotes. You may check for each auto insurance company's financial stability, years of experience, customer service, insurance claims and other sensible factors for your own security. You may also check for some online testimonials, insurance forums and others to know what other people say about the company. By doing so, you will surely get an absolute and reliable illustration of how the company operates.

Article Source articlesnatch.com

Low Cost Auto Insurance Getting The Best Deal

Automobile insurance is relatively essential in every vehicle these days but most owners do not take the necessary procedure and time in choosing the best car insurance which end up paying a lot of money on the policy than they required.

Having several quotes from various auto insurance provider may be the first step in finding low cost vehicle insurance. Do not go for the first company which tells you that they offer the most ideal and cheaper car insurance rates, instead shop around from various car insurer as you compare rates from them.

An annual review of your auto insurance policy may also help. Get a new quotes every year and ask for a new review from your car insurance agent. You may also take off some of your kids on the policy, because having a number of insured on the policy will increase the rate of your premium.

Car collision coverage may also drop from your existing policy. When the value of your vehicle is below a certain amount it does not make any sense to pay hundreds for the premium to cover an old car which only worth a few thousands.

Having trained from defensive driving program or other driving program accredited by your insurance company will get a sensible auto insurance discount. Being a defensive driver will save hundreds on premium especially for teen drivers because these driver are trained to be a safe driver.

Miles driven is one of a strong factor which determine the rate of your premium. If you are living in a city, try to use the public transport system because this will drive down the mileage.

Multi-policy discount relatively reduce the cost of insurance. Having a multiple type of insurance in one insurance company which includes homeowners, life, health and others will give you this type of car insurance discounts. However, comparison shopping is still recommended as you could save much by switching from one insurance provider to another.

Drive safely is the best way to ensure that you will spend less for your car insurance. It is appropriate not to drive if you are under the influence of alcohol. Traffic offenses brought by drunk driving can make you pay much on premiums.

If you acquire a competitive and valuable customer service from your existing car insurance provider and makes you stay for a long period of time. Accident forgiveness and long term discount are some of the discounts which you may be entitled. A 5% car insurance discount if you stay for up to five years and others if you stay with the company for up to three years.

From this suggested and sensible information, you will be provided with more options and find much better deals which end up saving hundreds of dollars on car insurance.

Article Source articlesnatch.com

Is Your Car Insurance Cheap Enough?

Are you getting cheap car insurance? This list will help you obtain cheap car insurance - not cheap in terms of quality but easy on your wallet! Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote.

Top Ways to Change Your Current Car Insurance into Cheap Car Insurance:

* Get Theft Devices: Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching.

* Ask for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think.


If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance. Also, if you are planning to sell a second car, the cheap car insurance trick would be to keep that car on just liability to get your multiple car discount. Sometimes people are surprised when they call their car insurance company to take a car off of their insurance, only to find that their price did not go down but possibly increased!

* Stick With Yearly Policies: Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.

* Look Into Comprehensive Storage Coverage: If you are planning to store your car for any period of time, you can save on your car insurance by only keeping comprehensive coverage during the storage time. Since the car would be stored, it is very unlikely it will get in a collision or need the liability coverage.

* Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class. Each class can have significant differences in prices.

* Look for a Group Discount: Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations.

* Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Most vehicles that are on bank loans can have up to a $1000 deductible. Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premium and is not recommended for general savings.

* Make EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.


# Defensive Driving Course: Some companies give considerable discounts on car insurance for attending defensive driving courses. Check with your state insurance commissioner, insurance company or when obtaining an online insurance quote to see if you could qualify and to find out where to take courses.

# Combine Auto and Home or Renter's Policies: Most insurance companies give a discount if you carry your auto and home or renter's policy with the same company. This discount can be anywhere from 5%-20%!

# Watch Your Credit Rating: Another great tip to get cheap car insurance - keep your credit clean! Yes, a lot of insurance companies are checking your credit and basing your policy on what is found. Make sure you check to see if your credit is in good shape, and if it is not, you may want to seek out companies who do not do credit checks.


# Train Teenage Drivers: Drivers Education can not only give a reasonable discount on your car insurance, as well as good grades. You can report them to your car insurance company every semester.

# Forgo Extra Rental Car Coverage: If you have comprehensive and collision coverage on your current vehicle, you might not need rental coverage. You are covered as much on a rental car as you would be on your vehicle. So, if you have a fairly new car you should be OK, but if your car is only worth a few thousand, you should get additional coverage.

# High Risk? Get Help: Whether you are in the process of obtaining an online insurance quote or using a local agent, if you are in a high risk category and when you try to get insurance you either get turned down or cannot afford the ridiculous high premiums, you may want to contact your state insurance commissioner. All states have insurance for high risk individuals who may not be able to obtain insurance elsewhere. The coverage may not be the greatest, but at least it will get you rolling again.

Smart Tips In Comparing Auto Insurance Quotes

It is very important to compare auto insurance quotes if you have plans of getting your vehicle insured. You need to evaluate the different rates, since various companies have different prices of the same coverage, to get the right deal. You should be able to the best insurance at the expense of what you pay for.

Before you start calling the insurance agents or go online to compare auto insurance quotes, you need to note down some information and keep it ready. A lot of factors can influence the insurance rate, and by providing a company with as many details as possible you ensure the right quote.

The information you will need includes the number of your driver's license, your address and social security number, driving history, your car's model, year and make, VIN, mileage, and the condition of your car as well as your personal health condition. What will also affect the insurance price are your age, the place your vehicle was registered in, and additional safety features installed on your car. Depending on each company's policy, you may be requested for a few extra details.

Try to look up the Yellow Pages and contact different companies in your place and compare auto insurance quotes. If you have a little time, you can just browse through quotes on the Internet. Go online and search and compare auto insurance quotes yourself or you can try websites that give comparisons free of charge. Finding one online is easy because there are many websites that offer such services; some only specializes on a particular state and others offer services all over the country.

Try to consider also getting inquiries from the insurance company that offered your home insurance because they might give you special discounts since you're a previous customer. Be exact on what category you need for your insurance coverage since companies have its own coverage policies. Coverage policies are usually available on the Internet so you can check it online. Ask about the minimum coverage that your state allows so that you can reduce the insurance cost.

Through the Internet, you can easily get insurance quotes from various companies. If you still have time, try calling some insurance agents if you want further discussion on some possible options.

Just go online, type compare auto insurance quotes in the search box and the numerous websites offering the free service will be there for you to use.

Article Source articlesnatch.com

Auto Isurance Comparison

Have you ever walked threw the grocery store and grabbed a box of cereal and compared it with another cereal? If yes, then you are well aware of what comparison-shopping is all about. Comparison-shopping is nothing more then what it sounds like, comparing products to make sure that you get the best deal. When you compare products not only do you get the best price for what you are purchasing, but often times you get a highly and more effective product. Like all walks of life, whether in the grocery store or not comparison-shopping is a very effective tool.

Like in the grocery store, insurance comparison-shopping is something that everyone should be well aware of and use to their advantage. The next time you decide to purchase auto insurance from your friend, because he tells you, “I can get you the best rates” think again. Often time individuals spend too much money on auto insurance and it is not something that should be done.
How We Compare

How do you compare auto insurance? The process has changed a lot over the years. In the old days you used to call up insurance companies, talk to an agent, tell them your information and they would tell you what type of policy you could get. Then you would call up another agency and another and so on. Luckily the process has become much easier with the advent of the internet. You impute some basic information into a website and you can pull up tons of different quotes and shop for the one that fits your needs the best. When you fill out a quote you will enter:

* Car make and model information
* Your driving information
* Personal information
* Financial information

Once you enter this information you will be provided with numerous quotes, which are how much a policy would cost you if you decided to buy it. You have the option of buying a quote you like. Today it is really easy to compare auto insurance.

Friday, March 7, 2008

What to Do After a Car Accident

Just about everyone of us have very little or no experience at all at the scene of a car accident. But knowing beforehand the right and appropriate steps to take during such instances is very improtant to every driver.

No matter whenever the hit is a minor fender curve or a major car accident, having the knowledge on what to do next will definitley make the unfavorable experience a little less traumatic. Knowing what to do next will also help you avoid even further mistakes.

Most likely than not, your area or the state you live in has provisions for information that are important like this one. Check out the agencied responsible for regualting insruance in your place and ask for a copy of the materials, or brochures, that indicate the legal steps you should do in case of an accident. This is very important since different states and areas have different traffic regulations. Knowing what traffic regulations that apply in your area will work best for you.

Below is a concise of information on what to do after an car accident which you may copy or print out to serve as your guide.

Step 1 It is very important that you stop your vehicle after an accident. Not stopping your car can put you subjected to a criminal offense or prosecution.

Step 2 If anybody is hurt or wounded, or if the entire damage to all the cars and material possession involved comes out to be more than a thousand dollars, better call 911. If nobody suffered and injury and entire damage to all the cars and properties involved seems to be lower than $1,000, call your local police for guidance and directions.

If the police force are not discharged, you must report to a Collision Reporting Centre within twenty-four hours. Check your local phone directory or the internet, to find a Collision Reporting Centre in your area

Step 3 Turn on the hazard lights of your car. Once it is safe already, move your car to the safe side of the road.

Step 4 Get the addresses, names, phone numbers, licence numbers, driver's licence numbers, and auto insurance details of the drivers and the owners affected by the car accident. (Some states provide downloadable accident worksheet together with the electronic brochure.

Step 5 Get the contact information of all the passengers, if there are any, and even the witnesses.

Step 6 Put down on record the particular information about the setting of the car accident.

Step 7 Finally, it is important to let your broker, auto insurance agent, or auto insurance provider know about the accident the soonest possible time. You may also ask them for help and guidance on how you can claim your auto insurance.

These are just few of the helpful steps you may wish to observe or implore in the event of an accident. The most important thing to remember is that you should gather all the information necessary in the event of the accident. This will work for your own best in the end.

Article Source articlesnatch.com

Compare auto insurance prices

It is very easy to compare auto insurance quote, if you are doing an online search. Most of sites give you an opportunity to get three auto insurance quotes side-by-side for comparison.

No limitation is given for quotes; you can get as many quotes as you wish to compare one with another. Here are some simple tactics to compare auto insurance quotes.

1. First of all you have to fill an online form, to request free quote for the coverage you desire to include in your policy. Always compare auto insurance quotes for the same coverage.

2. Always remember that price is not the only criteria to approve any auto insurance. Try to know how long the company is working in the field of auto insurance. At the time of comparison, you will find that emerging companies offer lower quotes. This will be a great idea to ask auto insurance quotes from newer companies, but be aware while buying insurance from them.

3. If you have two accidents and/or 3 traffic rules violations in your account then it will be difficult for you to find cheap auto insurance quote. In such a condition you have to do an extensive comparison to find a good quote that suits your budget.

4. It will be better to make up your credit history before requesting for an auto insurance quote, as it will give adverse effect to insurance company. Company may offer you higher quotes. Thus it is not a recommended step for people with bad credit history.

5. It is better for you to start requesting auto insurance quotes in advance. If your insurance policy is nearing the expiry date you might face problem to get a cheaper quote. Start from current companyPsychology Articles, they might offer lowest quotes.

Monday, March 3, 2008

Buying auto insurance online

Most insurance companies resort to various medium to make themselves known to people seeking auto insurance. Most of them have turned toward online car insurance, allowing customers to study auto insurance FAQs and eventually buy car insurance online. It is much easier to go by since referring to sites that specialize in auto insurance needs today, covers most of the questions clouding the minds of people through auto insurance FAQs.

Many issues can be resolved by simply reading through auto insurance FAQs provided online or through different companies. Most people make sure that they get the best deals for auto insurance and this is where the auto insurance FAQs readily fall into place. Auto insurance for good drivers are sure to be among the curious visitors who will check out the general questions usually asked when it comes to auto insurance FAQs and in most cases, these FAQs help enlighten drivers on what they have to know as far as reporting, claiming and avoiding when it comes to cautious driving today.

Buying Car Insurance Online

The probability of buying car insurance online poses a greater possibility since people from any respect would most likely understand the importance and why auto insurance is needed. You just have to thank the FAQs contained in auto insurance websites since they can easily answer questions without waiting.

Ideally, FAQs assist as well in decision-making time when it comes to buying car insurance online. Some people have apprehensions but considering that they are secure sites, purchasing auto insurance online is easy and helpful especially for good drivers who want instant service and product control. Time is something that they would not usually give out, especially when they have to visit local car insurance companies in their region.

Looking beyond Auto Insurance FAQs

Some minor questions will still ensue. While the auto insurance FAQs have been mapped out, you simply cannot discount the possibility of further questions that customers may want to have clarified. Some of them are helpful as well, and once they are considered recurring issues, it would not be surprising to see them also in the long run as among the auto insurance FAQs, listed.

As we can see, the more concerns that are brought out, the better it is for car insurance owners to expect buying car insurance online. Making it automated as possible is what auto insurance FAQs can do and after proper presentation and clearing out to solicit customer confidence, rest assured that purchasing car insurance online will come in naturally while being helpful for people seeking them. This, of course, includes good drivers who can benefit from the add-ons usually aimed at people who often question why they need car insurance when they feel that they are far from harm on the road. But then againArticle Submission, it is too early to tell and it is better to be safe than to gamble overall.