Car Insurance Saver

Cheap Car Insurance Partly Due to Where You Live...

2006-05-01T07:10:00.000-05:00

Cheaper car insurance? All you have to do is move...

The area you live in affects your car insurance 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 affulent 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 car insurance 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.

Secrets Your Car Insurance Agent Never Told You

Cheap Car Insurance? No thanks to the uninsured drivers...

2006-04-25T05:03:00.000-05:00

Car Insurance: Involved in an Accident with an Uninsured Driver?

Uninsured drivers are ten times more likely to drink and drive and three times more likely to be convicted of driving without due care and attention. They also cause one accident every six months. In fact one in twenty motorists regularly drive without insurance. It's therefore not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The question is what to do if you're involved in an accident with one...

Lower the Risk, Lower Your Car Insurance Premiums

2006-04-20T14:07:00.000-05:00

Lower car insurance premiums for lower risk situations...

Lower Rates Guaranteed!

If you lower your risk, you lower your car insurance. How do you lower your risk? Well there’s a number of ways that your own driving and car behaviour can affect your car insurance rates.
Have a look at the car you drive. Is it suitable for your current needs? If not then would it be worthwhile to consider a change?

Different cars attract different auto insurance rates. Sports cars, high powered cars and cars at greater risk of theft attract higher rates. How long have you had your car and would it be wise to think about another one that would be cheaper to insure and more useful to you?

Uninsured Drivers Cause High Insurance Premiums

2006-04-19T21:30:00.000-05:00

Cheap Car Insurance? Not with uninsured motorists out there...

UNINSURED drivers aren’t just a danger to your life and vehicle – they can cause serious damage to your wallet, too.

That's according to recent findings from the Association of British Insurers, who claim that around a million drivers (in Britain!) don't have insurance. What's more, as well as costing us lives, damage to vehicles and untold distress, these uninsured drivers are also costing us somewhere in the region of $70 per year on top of our insurance premiums.

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2006-04-17T13:43:00.000-05:00

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Secrets Your Car Insurance Agent Never Told You...

2006-04-17T08:25:00.000-05:00

You can save thousands of dollars on your car insurance premiums...

I am a 20+ year veteran of the insurance profession. For all those years I watched helplessly as insurance buyers wasted their hard-earned money on their car insurance premiums.

It was so frustrating! I spent a lot of time educating car insurance buyers of all ages on tips for purchasing auto insurance, various car insurance discounts, and strategies for getting the cheapest car insurance quote possible.

It wasn’t easy. But I felt their pain. Fact is, my daddy was one of those guys who could pinch a penny and squeeze out enough copper to wire a good-sized house! So being a tightwad sort of comes naturally to me…

Teaching teens to save money on their car insurance was especially rewarding. Finding cheap car insurance is a must for teens these days… and for their shell-shocked car insurance premium-paying parents! (I am a big fan, by the way, of making those teenage drivers pay for at least half of their car insurance premiums…

Secrets Your Car Insurance Agent Never Told You

Car Insurance State Minimum Liability Limits

2006-03-07T20:26:00.000-05:00

Car Insurance Minimum Limits for your state...

Every state has minimum liability limits. They are not enough coverage! But... they are the minimum coverage available in your state, and certainly better than nothing.

Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15

Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25

Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25

South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20

Car Insurance and Cell Phone Use

2006-02-20T09:02:00.000-05:00

Is that phone call worth paying thousands of dollars more in car insurance premiums over the next 5 years...?All Things About Car Insurance

We've all been guilty of doing double duty at one time or another—that is, talking on our cell phones while driving down the road. But as experts study the impact simultaneous conversing and driving has on our safety and car insurance rates, it is becoming more and more apparent just how hazardous doing both simultaneously really is.

Inattention to driving is the number one cause of auto accidents in the U.S., according to experts. And drivers splitting their attention between driving and talking on cell phones are amongst the most inattentive, increasing their risk of accident four to five times more than average, according to experts.

With over 200 million cell phone-holding drivers on the road, that presents considerable danger.

And what part do these statistics play in car insurance rates?

Increased risk of accident means higher auto insurance rates; it's as simple as that. So if you want to keep your car insurance policy affordable, don't use your cell phone while driving.

However, if you're one of those people who couldn't even think of jumping on the freeway without your cell phone in one hand and the wheel in the other, consider these tips to help you do so more safely—and keep auto insurance rates low:

-- Know how your phone works before you get in your car. That way, you can use it without looking.

-- Mount your cell phone where you can easily reach and see it, and keep both hands on the wheel at all times.

-- Use a hands-free headset whenever possible.

-- Program frequently-called numbers into your phone's memory and/or use voice dial to reduce the amount of time you take your eyes off the road.

-- When preparing to make a call, either pull off the road, wait for a stop light, or ask a passenger to dial for you.

-- If you decide to pull off the road, be careful where you stop so you can protect yourself and your car from injury and accident.

-- Don't use your cell phone in heavy traffic or bad weather.

-- Don't take notes or look up phone numbers while driving. Having numbers pre-programmed and saving phone messages for later is the safest way to talk, drive, and store the information you need.

If you're a cell phone user and driver, limiting your phone use when on the road is the best way to play it safe and keep car insurance affordable.

So practice safe driving and make those calls later. You—and everyone around you—will arrive where you're headed safely!

About InsureMe

Penny Hagerman is a copywriter and insurance information expert with InsureMe in Englewood, Colorado. InsureMe links agents nationwide with consumers shopping for home, life, health, long-term care and auto insurance. The InsureMe network provides thousands of agents with insurance leads every year. For more information, visit InsureMe.com

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

Car Insurance Fraud

2006-02-18T09:49:00.000-05:00

Report Car Insurance Fraud! It Affects Your Car Insurance Premiums...
ALL Things Car Insurance

In the United States auto insurance fraud is becoming one of the biggest fraud problems this country is faced with. In this article we're going to discuss some of the more common auto insurance fraud scams and what somebody can do to prevent them.

Today one of the most popular insurance fraud scams involves auto insurance and auto accidents. More specifically, staged auto accidents. These have actually become quite complex to the point where they involve multiple participants. There are many variations of these. We'll cover the main ones here.

First there is what is called the swoop and squat. This scam involves three vehicles. Two are driven by the criminals and the third is driven by the victim. The driver of the "squat" vehicle positions himself in front of the victim. The person driving the "swoop" vehicle pulls ahead of the squat vehicle and intentionally cuts the vehicle off. This causes the driver of the squat vehicle to slam on his brakes and stop short. Usually, the victim can't react quickly enough and rams into the squat vehicle. In the meantime, the swoop vehicle that caused the accident takes off and is never seen again. The victim tells police that the swoop vehicle caused the accident, but because that vehicle can't be located the victim ends up having to pay for the damage and any personal injury claims.

Then there is what is known as the side swipe. This type of accident usually happens at busy intersections with dual left hand turn lanes. The criminal positions his vehicle in the outer left turn lane. When the victim's vehicle drifts into the outer turn lane the criminal side swipes him. To make sure the scheme works the criminal does preliminary surveillance to make sure that the intersection is busy enough where drifting will occur because of the amount of traffic.

Another common auto accident scam is what is known as the Panic Stop. In this scheme the criminal drives a late model car filled with a lot of passengers. The criminal will then position himself in front of the victim and have one of the passengers look out the back window watching to see for any signs of distraction such as answering a cell phone call or changing a station on the radio. Any sign that the victim is taking his eyes off the road. Once this happens the passenger signals the driver who then slams on the brakes thus causing an accident. The victim will claim that the criminal stopped short for no apparent reason but usually to no avail. In the meantime the victim has to pay for all damages and injuries reported.

Unfortunately there is only one way to avoid these type of accidents and that is to be observant at all times and keep a safe distance from any vehicle ahead of you. The sad truth is, if all motorists would just obey the speed and distance laws and rules, accidents like these would never happen. But people drive too fast and too close and thus these type of frauds will always be pulled off. Drive safe and smart and your chances of being the victim of auto insurance fraud will be greatly diminished.

-------------------------------------------------------
Michael Russell
Your Independent guide to Fraud

Understand Your Car Insurance Premiums

2006-02-17T12:18:00.000-05:00

Understand Your Car Insurance
ALL Things Car Insurance

America has become a culture of cars, SUV’s, minivans and sports coupes. With all this traveling in and out, back and forth around the maze that is the United States infrastructure, its easy to understand why auto insurance is required in order to own an operate a car. For car buyers, an effort needs to be made on the part of insurance companies to provide information on the different types of auto insurance available. These include bodily injury and liability, collision, comprehensive, full glace, liability, medical coverage, personal injury protection, and underinsured or uninsured motorist.

Liability insurance coverage is imperative to have as a driver. This insurance covers any injuries or damages to property that may occur during an accident. Two types of liability include bodily injury liability insurance and property damage liability insurance.

Medical insurance is different in that it focuses on the driver and passengers of the car. This will cover any medical treatment for the driver and the passengers. In addition, the medical insurance may or may not offer disability insurance and pain and suffering compensation.

Uninsured or under-insured drivers insurance will pay any costs that you or your passengers may experience if an accident should occur with a driver who is uninsured or underinsured.

Collision insurance deals with the cost of damage caused by a collision to your car that may affect the book value. Comprehensive deals more with damage caused by vandalism, natural disasters, theft or other kinds of damage.

There are several other types of car insurance. These include glass replacement insurance, towing insurance etc. These types of insurance are often not required and are not popular as they are often costly.

Now that you know what types of car insurance are out there, the next step is to find a credible insurance agent. The first place to investigate this is through family and friends. Referrals will help you sort those agents that you want to investigate further. You will want to speak with several different agents before you make your final decisions. Ask any and all questions you may have. That is what the agent is there for.

Sara Chambers is a marketing consultant and an internet content manager for http://www.carinsuranceblog.com.

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

Affordable Car Insurance

2006-02-11T12:51:00.000-05:00

Everyone wants affordable car insurance but nobody wants to pay the price.
ALL Things Car Insurance

That may not have made much sense to you but the insurance buyer has to be better informed. There has to be some time spent on educating yourself enough to make intelligent decisions about your next insurance purchase. Too many folks avoid all responsibility when it comes to buying car insurance. You do not need an insurance course to understand the fundamentals involved in rating car insurance. Look at the declarations page on your car insurance and you will find all that you need to know.

The Declarations Page

1. Policy Period – This is the specific time period that the policy is effective. Some car insurance policies have an annual renewal and others have a six month renewal. Do not shop for car insurance with a declarations page that shows that your policy period has expired. That could cause you to be placed into a sub-standard carrier. Shop at least one month before your insurance is ready to expire.

2. Vehicles – Your vehicles will affect your physical damage rate. When shopping, make sure that you give the quoting company the vehicle identification number of all of your vehicles. This is usually on your declarations page.

3. Drivers in Household – Every resident relative with a driver’s license should be listed on the policy unless they have other insurance.

4. Liability Limits – These are the limits for bodily injury and property damage insurance. This is very important coverage and not a good place to cut costs if you are a property owner. This portion of your policy pays benefits to the party that you have may have injured in an auto accident. It also pays for the damage to their vehicle.

5. Physical Damage – This is your collision and comprehensive benefit that you see on your declarations page. This is coverage for your automobiles. Your deductible selection will raise or lower the rate.

These are some of the many policy benefits that you will find on your declarations page. Ask your insurance company about discounts and tort option. Learn all that you can and you can help make your car insurance more affordable.

To view our recommended source for insurance quotes, visit these pages

Auto Insurance Quote

Affordable Health Insurance

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

Online Car Insurance Buying

2006-02-10T15:37:00.000-05:00

All Things About Car Insurance (Click here now...)

Car Insurance Online – Benefits of Applying for Auto Insurance Online By Carrie Reeder

Drivers are applying for auto insurance online not just for the convenience of comparing quotes, but also to find the best insurance rate. The benefits also include discovering new discounts and not being locked into a long term relationship with an insurance company.

Comparing Quotes

Before the internet, getting real quotes from auto insurance companies was difficult. But, now with a few clicks of a mouse, you can get instant access to insurance quotes based on the coverage you choose. Online insurance sites also allow you to look at the details of each plan, so you can compare the quality of coverage as well as the price.

Finding Discounts

You can reduce your auto insurance premiums by hundreds a year by finding and qualifying for discounts. For instance, installing an alarm system in your vehicle or taking a certified defensive driving course can reduce your premiums with some insurance companies. You can find additional discounts through online auto insurance sites.

Saving Time

By applying for insurance over the internet, you don’t have to schedule your life around keeping an appointment with an agent. You can fill out the forms in the middle of the night, stop, and come back the next day to finish. Online insurance sites will mail the final paperwork for your signature, and you will finish the process without having to miss a day of work.

Changing Insurance Companies

Applying online for auto insurance makes it very easy to change insurance companies. In the past, a driver stayed with one company even if they didn’t have the best rates. With online auto insurance companies, you can regularly check to be sure that you are getting a low rate. If you find a better quote, then you can quickly switch to the better auto insurance company.

Research Before You Buy

Insurance rates can vary widely between vehicles, and you can find out the cost before you purchase. By researching insurance rates for different makes and models, you can make an informed choice. Also find discounts for safety features and vehicle options, and add those to your vehicle package to ensure the lowest insurance rate.

To view our list of recommended companies for auto insurance online, who can give you multiple insurance quotes from different companies, visit this page: Recommended Auto Insurance Companies Online.
Carrie Reeder is the owner of eZerk, an informational website with articles and the latest news about various topics.
Article Source: http://EzineArticles.com/

Saving on Car Insurance

2006-02-02T05:31:00.000-05:00

Slash your car insurance premiums by raising your deductibles.
ALL Things Car Insurance

Most people don't realize how much they could save on their car insurance premiums by simply raising their deductibles... The average driver only has an accident of any sort every 5-8 years.

By raising your deductible on your collision insurance from $250 to $500, you could save well over $1000 in premiums in that time, while risking only an extra $250 in the unlikely event of an at-fault accident!

Take that money you saved and buy yourself a laptop... or a vacation... or ...?

http://www.mycarinsuranceinfo.com

Save On Your Car Insurance by Cleaning Up Your Credit

2006-01-27T12:23:00.000-05:00

Your car insurance premiums reflect your credit report!

ALL Things Car Insurance

You may not be aware that the condition of your credit report can have a profound effect on what you pay in car insurance premiums. One of the ways to save on your car insurance premiums is to clear up any blemishes on your credit report...

Start by ordering a copy of your credit report from one of the free online services. You should be able to locate one at http://www.mycarinsuranceinfo.com. Check to be sure the report is accurate, and report or dispute any errors.

Most insurance companies have a formula they use to determine your "insurance score", and a low credit score will cause you to have to pay higher car insurance premiums! It will also have an effect on your home, life, and health insurance.

Funniest Car Insurance Claim...

2006-01-20T19:28:00.000-05:00

Who said that car insurance couldn't be funny..?
ALL Things Car Insurance

Under the "med pay" coverage of your car insurance policy, coverage is provided for injuries to anyone "occupying" a covered auto. If you look in the definitions of the policy, however, you see what they mean by occupying...

You are "occupying" the car in you are in it... on it... getting into it... getting out of it... getting onto it... or getting off of it!

This can lead to some very interesting claims... The most bizarre med pay claim I ever saw was a girl who got all her maternity expenses paid since she got pregnant in the back seat of her boyfriend's father's car!

And we wonder why our premiums are so high...

Car Insurance Claims Horror Story...

2006-01-18T05:55:00.000-05:00

Car Insurance Nightmare...
ALL Things Car Insurance

The nightmare of contributory negligence... Is this the way YOUR state does things?

We had a young lady insured in our agency. She was driving to work one day, waiting to make a left-hand turn, with her turn-signals on, etc... As approaching traffic cleared, she began her turn... just as the bonehead behind her was passing on her left! Grinding Collision...!

Obviously, it was the passing driver's fault, and we had her file a claim against that driver. That is when we found out the other driver was uninsured. No problem, we thought. The other driver was speeding, driving without a license, driving without insurance, passing at an intersection... Clearly at fault... This is exactly why we carry "Uninsured Motorist" coverage... to pay for our damages and injuries if we are struck by an at-fault uninsured driver.

So she filed a claim under her own policy's UM coverage. Simple solution... The company denied the claim! The reason? CONTRIBUTORY NEGLIGENCE. This legal doctrine says that if you are found to have contributed to the loss to any degree, you cannot collect from the other party!!! How did she contribute? They said she should have checked her rear-view mirror to see if a speeding, unlicensed, illegally passing bonehead was there before she started her turn..!!! Unbelievable...

What is YOUR most outrageous claim story...?

Save BIG on Your Car Insurance by Comparing Quotes Online...

2006-01-14T12:21:00.000-05:00

Car Insurance Quotes online are EASY...

If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be throwing away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.

A car insurance quote comparison is quite easy to do from home on your computer. This way you don’t have to spend time during the day contacting the various insurance companies during their business hours. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies!

I have found a great place to look (http://www.mycarinsuranceinfo.com), as they offer lots of FREE comparison quotes! Spend a few minutes doing some comparisons. Could save you a LOT of money!

Not a good way to save on your car insurance...

2006-01-12T14:14:00.000-05:00

Kiss your cheap auto insurance goodbye...
ALL Things Car Insurance

When your friend crashes your car...Ever wonder what might happen if you loan your car to someone and they crash it? The simple answer is: They are an insured person under your policy first!

Ooooh... So, you are not just loaning your car... You are also loaning your car insurance...

And if the accident is bad enough and your coverage limits too low, you could lose everything... not just your cheap car insurance premiums... Good article at: http://info.insure.com/auto/liabilityorder.html

Save On Your Car Insurance

2006-01-11T12:23:00.000-05:00

Save a Fortune on Your Car Insurance...
ALL Things Car Insurance

Welcome to Car Insurance Saver! Hopefully we will be able to create a forum where people can air their gripes, share their horror stories, and at the same time get a bit educated about this mystery that is car insurance.

Maybe you have never given your car insurance much thought. Most people don't. But the fact is that car accidents happen every day, and bad things don't always happen to other people. Your car insurance may be the ONLY thing standing between you and bankruptcy... so you need to get it right!

At the same time, we all pay a fortune over the course of our lives (particularly when there are teens in the house!) for our car insurance, so understanding the beast can help us save some serious money on our car insurance! So... jump in and tell me about your problems in the car insurance arena... Any questions? Doug

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