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Auto Insurance - Defense of Negligence & 7 Tips For Lowering Your Car Insurance Rate

Saturday, December 27, 2008

Auto Insurance - Defense of Negligence
7 Tips For Lowering Your Car Insurance Rate

You had an auto accident and feel that the other party is completely responsible and you know that the auto insurance companies will see it the same.
We all know that car insurance is a necessary evil, however there are a few things you can do to save yourself some money. But what if there is something that you are forgetting about, something that makes it possible for the auto insurance company to place a fraction of blame on you? What kinds of defenses against negligence are there for someone who seems to be at blame for an auto accident?
One of the most obvious defenses of negligence in an auto accident that auto insurance companies like to look at is the assumption of risk. Your current insurance company might not be offering you the best deal that is available to you. What type of risk did you know was involved before you entered the possibility for the accident? For instance, you may believe that the other party is 100% responsible for an accident where they ran a red light, but what if the other party was going 100 mph trying to make it through a red light? Even though the light is green, you still have a responsibility to make sure the intersection is clear before entering the intersection. Different companies have different rules and guidelines.
Who had the last clear chance to avoid the accident? If an auto insurance company sees that you had an accident while entering the interstate from an on ramp and the other party had nobody in the lane next to them, that party could have some responsibility for the accident. It's a good idea to review your options once a year or so, or whenever your circumstances change, like adding or removing a driver or vehicle. Even though they had the right of way to be in that lane, they also have the responsibility to avoid the accident as they had the "last clear chance" to do so. Here is some things you can pay attention to that might lower your bill:
- Deductibles.
After the negligence is determined based on considering both of the above then the auto insurance company won't necessarily pay for everything that has happened to your car. Changing the deductibles on your insurance can have a drastic influence on your insurance rate. Make sure that you are mitigating your damages immediately after your accident, if your car is making a noise that is only getting worse, stop driving it! Auto insurance companies will only repair those things that were directly caused by the accident, not after the accident. You should make your deductible for collision coverage as high as you feel comfortable with. By having it as high as $1000, can make a big difference on your insurance. On the other hand, you probably want a low deductible on comprehensive coverage, since you do not want to be stuck with a big bill if someone hits your car in a parking lot and runs off. Take the value of your car in consideration. If your car is worth less than say $3000, you can probably drop collision coverage completely and save enough money in a couple of years to replace your vehicle.
- Sports and four-wheel drive cars carry a significantly higher premium than other cars, especially if you are under 25 years old. Make sure you can afford the insurance before buying such a vehicle.
- An anti-theft device carries a lot of weight with insurance companies. If your car does not have one, it might be worthwhile to have one installed. You could have one installed for as little as $100.
- Avoid unnecessary and frivolous claims. It might sound like common sense, but a lot of people abuse their insurance with petty claims. Consider how much your deductible is and how much the repairs will cost. If may be worth your while to pay out of pocket, since many companies reward drivers for being claim free.
- Exaggerating the value of your car does not impress anybody and will cause a higher insurance rate. Only insure it for the amount you need for replacement and update this amount annually.
- If you can, pay your premiums annually instead of monthly or quarterly. Insurance companies often add a service, or interest fee if you choose to pay monthly.
- By doing your research and buying insurance online may save you time and money, because many companies will give discounts online. It is also easy to get comparative quotes.
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posted by Unknown @ 12:20 PM 0 comments

Cheaper Auto Insurance Rates -- Three Things That Will Go A Long Way In Reducing What You Pay & Insurance Rates - How To Find Discounts In The Market

Cheaper Auto Insurance Rates -- Three Things That Will Go A Long Way In Reducing What You Pay
Insurance Rates - How To Find Discounts In The Market

You'll take out time to ensure you're not missing the following three recommendations if you're really serious about paying a lot less.
Depending on where you live, and how old you are, not to mention what kind of driving record you have, your insurance rates can be astronomical.. So, why not find out how you can cut your rates by 10...
1.. Is it possible you have a car that you've not used for a long while? Is one of your cars been covered in the garage for up to six months because it's broken? Is this car still on your auto insurance policy or have you removed it?
The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. 20. I hope this is not the case with you..
2.. Paying your premium yearly will attract rates than choosing monthly payments. even 50%? Most carriers offer a variety of discounts to valued customers. True, monthly payments might be less stressful but it's also much more expensive. The trick is finding out what they are and if you qualify.
If you do transactions with banks you will agree with me that each check you process is regarded as deal which attracts charges.
Here are just a few of the most common discounts offered by more than 300 of the nation's top auto insurers:
Multiple Vehicle Discount. For twelve payments (that is, your monthly premiums) you will have a sum of twelve transactions.

If you are insuring more than one vehicle, whether they are cars, boats, trucks, RV's motorcycles or even trailers, chances are you qualify for a multi-vehicle discount. This means that you'll pay transaction fees twelve times. See your agent for details.
Besides, there are also administrative costs that come with the monthly payment option.
Multiple Driver Discount. For instance, it costs insurance companies millions of dollars yearly to send out payment notices.

It's impossible for two people to drive the same vehicle at the same time, so insurers often offer multi-driver discounts to allow customers with more than one driver per car to only pay partial premiums on each driver. These and more are then included in your auto insurance rate thus making it higher than if you paid every year.
Multi-Policy Discount.
3.

Take advantage of your buying power. Get and compare auto insurance quotes and you'll put yourself in a good position to make massive savings. Choose one insurance company for all of your insurance needs, and you're bound to experience a hefty discount on all of your policies. You'll have to shop around properly if you plan to make sure this works to your benefit. Combine your homeowners' auto, disability, life and even health insurance into one insurance portfolio if at all possible. The internet offers the easiest avenue to achieve this. Some companies will also count financial savings plans such as 401K's Roth IRA's, money markets and college funds as additional policies when figuring out your discount. Get as many quotes as are relevant.
Low Mileage Discount. Completing those forms should cost you just a few minutes per site where it takes too long.

The less your car is on the road, the less chance it has of being involved in an accident. Just imagine making savings of several hundred dollars and you'll see how important the entire task is. If you put less than 5,000 or 10,000 miles a year on your car, by all means tell your insurance agent! You may be surprised how cheap your insurance may become.
New Vehicle Safety Discount.

Offered to owners of new vehicles that contain certain types of safety features such as side passenger airbags, etc.
Anti-Theft Device Discount.

Any type of anti-theft device in your car is eligible for a discount too.
Good Student Discount.

Student rates can be quite high, especially for male drivers. But, some insurers are now recognizing that honor students may be more careful drivers, and are now rewarding good grades with cheaper premium rates.
Accident Free Discount.

Go several years without a claim and watch your premiums plummet.
Defensive Driving Discount.

Some insurance companies now reward drivers who attend special defensive driving workshops and seminars with either a one time, or ongoing rate cut.
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posted by Unknown @ 10:21 AM 0 comments

How To Get Cheap Car Insurance For Teenagers Easily! & Car Insurance - Get Insured Or Get A Crushing Blow

How To Get Cheap Car Insurance For Teenagers Easily!
Car Insurance - Get Insured Or Get A Crushing Blow

In the eye of insurance companies, teen drivers are falling into the category of new and inexperience drives.
Decades ago driving without car insurance has not been a big problem, people seemed to think it was harmless, but with cars becoming more expensive and cars getting into scrapes more often car insurance has become a legal obligation and if you are caught driving without it you are in for some hefty penalties. Teen drivers are considered by insurance companies as high risk.
If you are caught driving without insurance now you are likely to have your car seized and in order to get your vehicle back then you will need to pay fines, fees and produce a valid insurance cover note, if you don't then you can kiss your motor goodbye, as it'll either be auctioned off or you could become the proud owner of a large cube of metal and plastic dashboard. It is known that teenagers have to pay more for their car insurance.
Uninsured drivers are one of the most hated road users (yes, even more than the white van man!) as they are the biggest hurdle in a car accident if you're unfortunate enough to collide with one of these chancers. You might want to know that is it possible to find cheap car insurance for teenagers? If you know the tips, however, you can also find reasonable price of auto insurance for your teen. In another cruel twist of fate these drivers who are driving around without car insurance are invariably the type of people to cause road accidents as they were probably turned down for car insurance because they weren't safe enough.
There are a few things you might consider while shopping for auto insurance at a cheaper rate.
Luckily some car insurance companies now offer extended cover for their customers that add cover for the eventuality that an uninsured driver crashes into you, a welcome addition as annoying as filing a claim against your car insurance is it can be dragged out even further when the second party has been driving around sans insurance. If you are going to buy a car for your teen, try to avoid cars that fall into the category of higher hazard ranking class.
What is being done about uninsured drivers then? Well aside from the aforementioned cubing of their cars they are being found out much more easily these days thanks to ANPR (Automatic Number Plate Recognition) cameras which can detect uninsured drivers instantly and a notification letter will be in the post before you even get home. Get your teen a car that has a lot of safety features.
In the past some people have preyed upon the assumption that well presented, newer cars can get away with not possessing valid car insurance as police are less likely to stop them than a clapped-out car. A car that has a high safety rating would be more beneficial and tends to get cheap car insurance for teenagers. With these cameras uninsured drivers are dropping in number in fear that they'll have to fathom how to drive to work on the back of the steel cube that their car has become.
Try to add your teen on your own car insurance policy rather than take out a separate policy for them. This will be much cheaper than having a separate policy. Encourage your teen to take a drivers training course. Most insurance companies offer a discount for teen that has completed the driving courses.
Get good grades. Most companies reward teen drivers who maintain a good grade with lower auto insurance rates.
Do some research and compare quotes from at least 3 or 4 companies online. It will be the easiest method to save you time and money. Furthermore, teenagers may also qualify for other discount which can differ hugely from person to person. So it is good to compare them in order to get cheap car insurance for teenagers.
Drive responsibly. Let your teen observe your good driving habits. If he or she sees your good driving habits, he or she will most likely develop the same driving behaviors. Violations of rules such as speeding will not only lead to higher car insurance rates, it would also lead to an accident or injuries.
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posted by Unknown @ 8:32 AM 0 comments

Affordable High Risk Auto Insurance in Arizona & Helpful Options To Finding Cheaper Auto Insurance That Will Save You Money In The Long Run

Affordable High Risk Auto Insurance in Arizona
Helpful Options To Finding Cheaper Auto Insurance That Will Save You Money In The Long Run

If you need to buy affordable high risk auto insurance in Arizona then I've got good news for you.
There are plenty of cheap auto insurance policies available, but you have to do some work to find them. Such insurance is available and there is a way for you to save even more money on it than you might have thought possible. Chances are the insurance company isn't going to come knocking on your door, because many of the companies offering the cheapest auto insurance don't spend much money on advertising.
First, let's take a look at the most affordable insurance you can legally buy in Arizona. Certainly there are companies that advertise extensively on television saying they're the cheapest, but make sure you check out whether their claims are true. It's called a basic liability policy. It's important to compare policies carefully and make sure you really are getting the cheapest auto insurance. There is no cheaper insurance that you can buy and still legally drive a vehicle on Arizona roadways.
There are also some specific things you can do to try and get cheap auto insurance.
Each state sets its own minimum amounts for the basic liability insurance that's valid within its borders; in Arizona the minimum amount that you need to purchase is what they call a 15/30/10 policy. These won't be available to everyone, but it's worth reading through the list and seeing if you can use one or two of these ideas to help lower your auto insurance rates.
What this means is that your liability insurance will pay a maximum of $15,000 toward the medical payments of any one individual who is injured in an accident with your vehicle.
Firstly, ask the insurance company about discounts - do they offer any? Lots of insurance companies now offer discounts for things like being claim free, or multi driver and multi car policies, or even good driving awards. It will also pay a maximum of $30,000 toward the medical payments if there is more than one person involved in the accident. So make sure you ask, you never know which ones you might qualify for! And even if you don't qualify right now, but might be close, it could be worth choosing that policy because of the better rates you'll get once you do qualify. Finally, it will pay $10,000 in property damages.
Most auto insurance policies now have a deductible, but did you know that by having a larger deductible you might be able to get a discount on your auto insurance premium? This can be a great way to get cheap auto insurance, particularly if you have a good driving history. Property damages typically refers to repairing the other person's car, but it can cover other property as well. Be aware, though, that if an accident occurs you may actually need to pay the deductible, so you have to feel confident that you would be able to find that amount of money if required.
So why would this be high risk? Because the payouts from a basic liability policy are considered quite low.
Also, try shopping around online and getting some quotes. It is rather easy for someone to suffer far more than $15,000 in medical costs or for a carload of people to require more than $30,000 in medical payments from even a relatively minor accident. Hundreds of auto insurance companies have sites that offer free quotes, so take advantage of that to find the cheapest auto insurance. And how many newer cars can be repaired these days for under $10,000?
The point is, if the bills are for more than your insurance will pay, YOU could be on the hook for paying the balance, even if it means you would have to spend your entire life savings and even if you were to have to sell your home. It's quick and easy to compare lots of different policies, but make sure that you're not putting yourself under any obligation to go through with a policy, and that there's definitely no fee payable to get the quote.
Also, keep in mind that a liability policy pays NOTHING for your medical bills or for the medical bills of anyone in your vehicle at the time of an accident.
Take some time to think about the level of coverage you really need. Also, liability insurance pays ZERO toward the repair of your vehicle - you're on your own. If you're driving an older car that's not worth very much, check out the minimum level of auto insurance your state requires you to have and go with that.
Still, a basic liability policy is perfectly legal and it is the most affordable insurance you can buy in Arizona. Remember, though, that if you're at fault in an accident, you'll get nothing if your own car is damaged or wrecked. In order to get the best possible price on your basic liability coverage you'll need to buy it online for starters. Liability insurance is only for damage you cause to others. Also, if you are truly serious about finding it you will need to compare prices on at least 3 different sites and not rely on the prices you find on just one site. Still, if your car isn't worth much and you have funds available to repair or replace it if required, this might be a way of lowering your insurance costs.
But once you've checked out prices on multiple sites you're done - all that's left is for you to review the prices you've found and choose the lowest one.
These are just a few ideas to get you started, and once you start looking you'll find plenty of cheap auto insurance is available. Spend the time working out exactly what your requirements are, and that will make it much easier for you to choose an appropriate policy.
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posted by Unknown @ 6:33 AM 0 comments

Is It A Good Idea To Buy A Used RV & How to Get Cheap Antique and Classic Car Insurance

Is It A Good Idea To Buy A Used RV
How to Get Cheap Antique and Classic Car Insurance

Over the past few years, there has been a sudden increase in the number of new RVs (Recreational Vehicles or Motor Home) that have been sold.
When it comes to vehicles, classic cars are absolutely at the top of the pyramid, with their amazing features setting them far apart from the rest of the crowd. Many people wanted to buy a RV because they thought it was right for them, but after a season or two, they have understood that RVing is not for them and they have decided to sell their vehicles. Unfortunately, as is typical for anything that attracts attention, classic cars tend to attract a decent share of thieves and vandals.
So if you ever wanted a RV, you have thought about owning one, but you never had the money to buy a new one, this can be the perfect moment to buy a used RV. Additionally, because classic cars are rare and tend to be expensive, many large "major player" insurance companies and agents will not even offer insurance for them. Because the market for second hand RVs is full of vehicles that have been bought in the last years, you can find a RV at a very good price. But just because it can be mildly difficult to find the right kind of insurance for your classic car, that does not mean that you can simply drive around without any insurance.
People that have decided that RVing is not for them are trying to sell them quickly and this, of course, means that used RVs come with very good prices. Many states require that your vehicle be insured, and you can face serious fines if you are caught driving without adequate insurance coverage. There are many bargains on the market and the only secret is to know where to look for used RV and to have some time to search.
Finding the right kind of insurance for your classic car is going to take a little bit of time, and a lot of research. Buying a used RV from someone that has used it for only a season or two has the advantage that the vehicle is in a very good condition and its aspect is almost perfect. Even more research will be involved if you are set out to find the cheapest available antique and classic car insurance available.
So what are the best places to look for used RVs you may be asking?
Well, you can start your search with the local newspaper and local Pennysaver, as there are changes you would be finding a used RV somewhere near you. There are car insurance companies out there which specialize in insurance options for antique and classic cars. If you find one, you can consider yourself lucky. Additionally, there are large automobile insurance companies which offer specialized insurance including antique and classic car insurance, but you will have to do a decent bit of searching in order to find them. If the local newspaper does not offer you a used RV, you can use the Internet to search for one. A good place to start is with insurance companies like Hagerty, Leland west and Norwich Union which all specialize in antique and classic car insurance.
Buying privately has the advantage of the low price on the used RV, but if something goes wrong with the car there is little legal action you can do against the seller. It is important that you weigh a lot of different options, because the costs associated with antique and classic car insurance can vary wildly depending on which automobile insurance provider you go with. Otherwise, you can buy a second hand RV from a local second hand car dealer, You will it a little more expensive, but you can be sure that you have someone to go to if something happens to the RV within the first months of use. It is also important that you determine what each insurance company will value your classic car at, in order to make sure that you are going to be insured for the full value of your car.
When looking to buy a used RV privately, there are some advice you should follow. Traditional car insurance values the car at the cost to replace it, minus any depreciation that it has experienced.
Always meet with the RV's seller at his own house. This is what sets antique and classic car insurance apart from traditional car insurance. Once there, you can visually inspect the RV to see if everything he had told you on the phone is true. With antique and classic car insurance, the value of your vehicle is typically an agreement made between you and the insurance provider. Be suspicious if he insists of meeting you somewhere else and the seller does not want to show the vehicle to you until you sign the contract. This way, you will not lose a serious investment in the event that your vehicle is ever totaled in an accident, or stolen and never recovered.
Look at all the visual elements on the RV, both interior and exterior.
The absolute best option for you to pursue when it comes to automobile insurance for your classic car is called an agreed value policy. If the seller says that the used RV has only done a few trips in its lifetime, it should be in a pretty good condition. Before this type of policy is purchased, you are required to sit down with an agent with the insurance company in order to come to a concrete agreement for the value of your vehicle.
Its interior is very important and by its aspect you can tell if the owner had been maintaining it properly or not. If your vehicle is ever totaled or lost, this is the amount that will be paid by the insurance company. When discussing the details about the RV and the papers, ask him if he has all the used RV's keys. This is also the point where you will receive a quote for the monthly payment. If he has them all, chances are that the used RV is indeed his and not stolen. Another thing that sets antique and classic car insurance apart from traditional car insurance is the fact that antique and classic car insurance premiums are typically significantly smaller than what you will pay for traditional car insurance.
Before you sign the papers, you can check and see if the RV is registered with the RV Registration and Identification Scheme and if the vehicle is listed there, check to see if the seller is the person who had registered it. However, not just anyone can acquire antique and classic car insurance, so before applying you should make sure you qualify for all of the following criteria:
• Many antique and classic car insurance policies require that you meet a specific age limit. This is to insure that the driver(s) on the policy have adequate driving experience and are not in jeopardy of causing an accident. This makes it difficult for young and new drivers to acquire automobile insurance, even if they are driving an antique or classic vehicle.
• Many antique and classic car insurance policies have also imposed a minimum age limit for your vehicle, in order to determine whether or not it can be considered an antique car. The typical limit is fifteen years old, so if your vehicle is less than fifteen years old you may have difficulty securing antique car insurance for it.
• In order to qualify for classic car insurance, there are certain limits on how your classic car can be used. For example, you must have a garage or some other form of protective storage to park the vehicle in. Additionally, you cannot use your classic car for any business purposes. Finally, there is a limit on the number of miles that you can put on your vehicle every month or year. If you go over the mileage limit you can but your vehicle in danger of losing its protective insurance. Because of the imposed mileage limit, you must also be able to prove that you have another vehicle which is used for normal driving.
Antique and classic car insurance is by far the best option if the vehicle that you are driving can be considered a collectible. This form of insurance is designed to protect cars that appreciate in value over time rather than depreciating. Most insurance companies will allow you to insure your classic car traditionally if you cannot find adequate antique car insurance, but you should expect to pay more in monthly premiums, and to receive significantly less in a pay out settlement if your vehicle is ever totaled. What this means is that if you are driving an antique or classic car, and specialized insurance is available to you on a local level, you should absolutely take the offer in order to protect your vehicle inexpensively without losing out on the serious investment that went into your prized possession.
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posted by Unknown @ 4:34 AM 0 comments

Cheap Auto Insurance - Tips for Saving Big Bucks & Auto Insurance - How Your Profession Affects Your Premium

Cheap Auto Insurance - Tips for Saving Big Bucks
Auto Insurance - How Your Profession Affects Your Premium

Cheap auto insurance is available, you just need to be determined to find it, have the time to do the proper market research.
Some vocations are offered reduced auto insurance rates by some companies. The only way to find cheap car insurance is to show determination and willingness to research it. You will be wise to identify an insurance company that favors your profession. You can find cheap auto insurance without giving up the coverage you need. Why this is so and how you can benefit from it is the main point of this discourse.
Car insurance quotes are easy to obtain online.
Scientists get the most affordable car insurance rates. Many companies exist to offer cheap auto insurance to those who are on a budget. They come first with an average vehicle insurance rate of $870. Car insurance rates are based on various factors. Those who run their own businesses are the most expensive group to insure. The rate may be based on your age, gender, the number of accidents, your driving record and the type of car. The average business owner pays car insurance rates of $1,400. All of these are factors in your risk of causing an accident and they will most likely affect how much you have to pay in order to be covered.
Occupations that draw low car insurance quotes are similar in some ways:.
You must not act in haste while shopping for auto insurance and must compare different companies to get the best deal for your vehicle.
1) They are normally low stress occupations. Based on your driving habits, there are many companies who will offer you cheap auto insurance rates.
2) As part of their training, members of these occupations are made to give safety utmost significance. You must try to gather as many quotes as you can to do the proper market research before going for it.
In some of these occupations, a person can have their license revoked if they are found guilty of traffic offences.
It is easy to understand that the easiest, cheapest and fastest way to find car insurance quote is online.
3) They generally don't have schedules that make it compulsory for them to NOT use the public transport system. To complete a quote request online shouldn't take more than 15 minutes.
4) Members of such vocations are generally regarded to be very thorough. You should enter accurate information when requesting the quote in order to get the cheapest auto insurance rate. They usually take this into every thing they do including driving.
If you have a clean driving record and fit specific age requirements for cheap auto insurance, you should have no trouble finding a good deal.
Let us in addition explore general traits for every profession that gets high car insurance premiums so we can have a deeper appreciation of why they pay that much. Insurance companies will also offer you reduced rates if you have taken some safe driving courses.. With all the available Internet tools, you can now easily compare auto policies and rates.. Follow these tips to make your task of getting the cheapest auto insurance policy much easier.
1) Persons who are involved in those occupations go through a high degree of stress on account of the tasks they have to tackle in line of duty.
2) They usually get to spend more time in their cars.
3) They get and answer a lot of calls while they are driving much unlike the typical driver.
The internet gives you the easiest and most extensive option with car insurance rates sites. Beyond whether your profession has any discounts, you'll get to see the true rates and be, therefore, much more informed to realize much more savings.
You can bring down your auto insurance costs by getting quotes from good quotes sites. Using not less than three quotes sites raise the chances that you'd get more savings. This increases your chances of getting better quotes.
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posted by Unknown @ 2:41 AM 0 comments

Getting Discounts From Your Auto Insurance Company & Getting Cheap Auto Insurance - A Handy Manual

Getting Discounts From Your Auto Insurance Company
Getting Cheap Auto Insurance - A Handy Manual

Let's face it an auto insurance company is a business that is created to make a profit and if we are not careful we might end up paying super high premium rates when we could have paid much lower premiums if we only did some research.
The first question that needs to be answered is – Is it even possible to get cheap car insurance? The answer is yes! The car insurance industry, like most, is riddled with technical exceptions, as well as widely varying products.
Here is a list that I hope will help car owners in lowering their premium rates:
• Safety devices against car thieves
Who would ever think that theft devices are valuable not only in guarding your car against thieves, but also in lowering your premium? Theft devices come in various types. If you understand the nuances of the industry you will be able to quickly and significantly lower the rate you pay for car insurance. Some are automatic while some need to be manually operated. Here are a few guiding principles on how you can alter your coverage amounts so that the car insurance ultimately works out 'cheap' for you. All these theft devices provide extra premium discounts.
First, you need to know the types of coverage that your insurance policy must or may include. In some states window sketching may also be a source of additional premium discounts. These may change from one state to another.
• Multiple car discount
Let us say that you have two cars (for the sake of the illustration) that you want to insure with an auto insurance company. A list of most popular ones is given here. Usually you have to pay separate premiums but did you know that you could actually save a great deal on the premium that you will be paying for your second car? How? Consult your insurance agent to help you.
Liability - This is a mandatory coverage that protects you when you are at fault in an accident.
• Choose Yearly Renewable Auto Insurance Policies
Purchasing a yearly auto insurance policy will provide you with greater savings since the premium rate is fixed for one year compared to buying a six-month policy which changes rates every six months. It pays for what damage you do to other people's car or property, their medical bills as well as any 'pain and suffering' arising from the accident. If you purchase a six-month policy the premium you paid on your first semi-annual premium will not be the same as your second annual premium payment. Here 'cheap' would be mean that you buy only the minimum coverage dictated by the law of your state. So instead of saving, you tend to pay more for the same amount of benefits. For Instance New York requires a minimum liability of $25,000 for one person injured in the other car, $50,000 for all parties injured in the other car, and $10,000 car or property damage due to an accident.
• Comprehensive storage coverage
The comprehensive storage coverage is ideal if you are thinking of storing your car for a period of time.
Collision – While this may not be mandatory, it may be wise to take this coverage. It is a great savings idea to keep only the comprehensive coverage during the time you store your car since other coverage will not be required. It helps you repair your own car when it is involved in a collision accident – you fault or not. A car in the garage is unlikely to get into a collision thus it will not require liability coverage. The insurance company will not pay you more than your car's book value therefore to get cheap coverage make sure that you purchase collision coverage of no more than the vehicle's current book value.
• Mileage
The mileage that your car travels everyday has a significant effect on the premium rate that you are to pay since the mileage will determine the particular class in which your car belongs. This can be further made 'cheaper' by increasing your deductible if you think that the probability of you being involved in this kind of accident is rare. Each class has a different premium rate. Your deductible is the amount that you agree to pay for getting your car repaired before the car insurance company pays anything.
• Organization affiliation
There are many auto insurance companies that offer a discount for being affiliated with certain organizations.
Comprehensive - This coverage cover you if your car gets damaged by anything other than collision like, fire, vandalism, theft or even by animal hit on the highway. These organizations may range from credit unions, college sororities and fraternities, or just having a certain credit card may also earn you a considerable discount on your premium. Again you can lower or eliminate this coverage and in so doing reduce your car insurance bill. To be sure, call your service center and ask them for a list of the organization affiliations that they accredit, the same goes with the credit cards.
Personal Injury Protection – This pays your and your passengers' hospital bills.
• Defensive driving course
Some auto insurance companies provide considerable discounts simply by attending defensive driving courses. This amount can be higher or lower depending on coverage limit and deductible. For more details just check with your state insurance commissioner or you insurance company to see if you qualify and also to inquire on their accredited driving centers.
Uninsured and Underinsured Driver – If the other driver in the other car is either underinsured or even uninsured, your own car insurance can pay for damages done to you, your passengers, and your car. This amount again can vary according to the area where you live or the localities where you drive.
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posted by Unknown @ 12:37 AM 0 comments