Twelve Ways to Save on Your Auto Insurance Policy

September 9, 2017 · Posted in General · Comment 
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Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III). 

1. Comparison shop. Use consumer guides online from your state’s insurance department. These guides tell you what coverages you need and show you sample auto insurance rates, usually from the biggest companies. Get auto insurance quotes from at least three insurers.

2. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your auto insurance company pays for the rest of the damage. Higher deductibles mean lower premiums. For example, increasing your deductible from $200 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent, according to III.

3. Drop collision and/or comprehensive coverages on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although auto insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from Kelley Blue Book. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage.

4. Buy a “low-profile” car. Cars that are expensive to repair or that have a high theft rate have higher car insurance rates.

5. Take advantage of low-mileage discounts. Some auto insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. And with the high price of gasoline, driving less makes financial sense.

6. Consider auto insurance rates when making a move. Car insurance rates tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases.

7. Ask about discounts for air bags and other safety features. Your insurance agent can tell you know about these discounts when you purchase your coverage. Most policies give discounts for air bags.

8. Ask about anti-lock brake discounts. Some states require insurers to give discounts for cars equipped with anti-lock brakes. Some auto insurance companies give the discount no matter where you live.

9. Ask about other discounts. Some insurers offer discounted auto insurance quotes for insuring more than one car, having no accidents in three years, being a driver over age 50, taking driver-training courses, having anti-theft devices and being a long-time customer. Plus, remember good-student discounts when you are insuring a student who drives.

10. Buy your home and auto policies from the same insurer. This will entitle you to a “bulk” discount.

11. Find out about group discounts. Sometimes group auto insurance policies are available through large employers, professional groups and other organizations.

12. Maintain good credit. Your credit rating may affect your car insurance rates. Use of credit scores in setting auto insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to have fewer accidents.

About Declarations Pages in Auto Insurance

August 2, 2017 · Posted in General Articles on Car Insurance · Comment 
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To break the declarations page down further, we’ll discuss each aspect presented on the page, and this is done in no particular order, meaning your declarations page may or may not have the same information in the same order listed here. First we’ll mention the auto insurance company’s information on the page. The declarations page will have the name of the insurance company, as well as their contact information including a phone number and address. If you need to contact the company, the information is readily available here and also on the insurance card that you should have somewhere in your car in case it is immediately needed.

Next, you should find your policy number. Your policy number is a way the auto insurance company can identify you without using your name. This lessens confusion as there is typically more than one client sharing the same first and last names. A policy number can include numbers and letters together, or just numbers. You will need to know your policy number any time you want to contact the insurance company. You can also find your policy number on the insurance card.

Information regarding the coverage you have purchased is also included in the declarations page. The coverage you purchased will include the minimal requirements provided by your state, as well as any additional coverage options you felt the need to purchase. Bodily injury liability, property damage liability, personal injury protection, and uninsured motorist bodily injury may be some of the coverage options you purchased that will be listed on the declarations page. Read more about automobile premiums and policies in Auto Car Insurance Premiums section of author’s site.

The cost of each coverage you purchase for your auto insurance policy will also be listed on this page. The price of your policy is determined by individual factors, including the cost of coverage you added to your policy. If you carry additional coverage options past the state’s requirements, you can look at these “extra” options and decide if they fit into your budget, or if you can add more coverage for added protection.

Your deductible amounts may also be listed in the declarations page. A deductible amount is the amount of money you are willing to pay, out-of-pocket, when you make a claim to the auto insurance company. Any time you file a claim and expect the insurer to cover an accident-related cost, the insurer requires you to pay upfront a deductible. This amount can range from $250, to $1,000 or higher. The lower deductible you choose for your policy, the more expensive your policy premium will be.

Look for the policy periods on the declarations page to find out when your coverage begins and when it ends. You should also be aware that you have the option with the insurer to automatically renew your policy when it expires. This helps to avoid any time period of not carrying auto insurance, known as a policy lapse. It is illegal to drive a vehicle without proper auto insurance so it is vital that the policy always be in effect.

You will also notice your information, or the policyholder’s information, listed on the declarations page. Your name, address, and phone number will be listed on the page. It will also have information regarding the vehicle(s) you have insured with the company, such as the year, make and model of each vehicle. Always keep this information up-to-date with the auto insurance company so they can contact you easily with any questions they have or information they need.

You may think the declarations page is just one more nagging piece of paperwork, but in actuality it is the most important piece of paper that you have for your auto insurance. You will need to review your declarations page every time your policy renews to make sure no coverage was accidentally dropped or so you know your information is correct. Don’t disregard your declarations page as it comes in the mail or think of it as worthless because you think you already know what coverage is on your auto insurance policy.

By: Car Insurance Expert

About the Author:

Willie James is a car insurance expert of Online Auto Iinsurance News agency. His job is to analyze auto insurance information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobbies are organic synthesis in chemistry laboratory and styding a psychodelic plants like Salvia Divinorum (Shalfey) and another entheogens and exotic plants.

Tips On Getting Cheaper Auto Insurance For Teens

June 26, 2017 · Posted in General Articles on Car Insurance · Comment 

If you have a teenager and you are planning to pay for them to learn to drive then there are lots of things that you can do in order to reduce the costs of this. While you will have to pay for lessons and perhaps even purchase a vehicle for them, consider these options when looking to reduce the cost of their auto insurance.

The first thing you may want to do is to think about adding your child onto your own personal insurance policy. Young people who are added to their parents insurance will often get much lower rates, simply due to the affiliation with an adult. As such, by doing this you may be able to save a fair amount of money each year.

As alternative you could assign your teen up for a policy that is specifically designed for young people. Often these policies will have specific restrictions, such as not allowing them to drive late at night or after a specified time, and these will help to reduce the cost of the policy.

It is absolutely crucial that your teen remembers the importance of keeping a clean driving record. If you begin to accumulate tickets on a license or any other blackspots this will lead on to higher insurance costs. Make sure that you pass this knowledge onto your child so that they are fully aware of the effect it will have upon their insurance policy. Make them know that while you are paying for the policy now, they will have to pay in the future and as such will have to cover the costs of their actions.

See if there is a safety driving course that you can put your child on in the area. Safety driving courses are an excellent way for any young person to display their responsibility as a young driver. This is very important, as young drivers account for more accidents than anyone else. As such, if you can convey your level of responsibility by going on one of these courses, particular one that is affiliated with a specified insurance company, you will be able to save a significant amount of money.

If you are purchasing a vehicle for your child make sure that you purchase the right sort. Do not go out and purchase a flashy motor just because they want to look good in front of their friends as this will not only cause insurance prices to rise but it will be less safe as well. Instead, focus on a safer vehicle and try to get some options from different insurance companies.

One final thing that you may want to consider is how much the deductible is going to be on the policy. The deductible refers to the amount of money you need to pay out when you file a claim and often when you raise the deductible premiums will be reduced. As such, to save money on the overall policy, increase the deductible.

All in all, follow these very simple tips if you want to reduce the cost of your child’s car insurance online.

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Make Sure that Your Car Insurance Company Gets Honored

June 26, 2017 · Posted in General · Comment 
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However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.

To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.

More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.

When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.

Cheap Auto Insurance Quotes No Longer are Hard to Find

June 11, 2017 · Posted in General Articles on Car Insurance · Comment 
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The sole purpose of an auto insurance company is to protect you as well as your family in the event of an accident. However unfortunately many auto insurance company’s gouge the average consumer in the wallet when offering auto insurance quotes to customers.  We have implemented a new strategy to offer cheap auto insurance quotes to our website visitors at http://www.auto-insurance-company.com/get_a_quote.htm

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By: Joel Mclaughlin

About the Author:

Joel Mclaughlin is the owner of Auto Insurance Company

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