Will my car insurance rate go up if I fix my own car?

October 19, 2017 · Posted in FAQ · 4 Comments 
car insurance
emailfordon asked:

I caused an accident; hit them from behind. My full coverage insurance is paying for the person I hit and told me to go get estimates for my car too. I know I will have to pay my deductible for my repairs, but will it affect my insurance rates in the future if I repair my car via my insurance? Or should I just get it fixed with my own money?

Involved in a Car Collision? This is What You Have to Do

October 19, 2017 · Posted in General Articles on Car Insurance · Comment 
by Amy Nutt

If you drive frequently, then you know that accidents are a common occurrence on the highways, within the city, when travelling and during the course of your daily commuting. Accidents are a dime a dozen and can be fatal, mild or severe. Whatever the case, if you get involved in a collision, here’s what you should do:

1. Check the State of People Involved

The very first thing to do is check if no one is hurt. This will determine what your next step will be. If someone is hurt, call the police immediately. It is a crime to hit and run or leave someone injured in an accident to his fate. If the accident is fatal and you can move, try what you can to keep anyone alive. In cases of fire, see if you can extricate any of the individuals. If you can, bring them out gently and move them far away from the inferno. Then check to see if they are alive. Lay them down in a position where they are facing upwards and see if they can talk. If they can, ask them simple questions to see if they can still recall things. If the police hasn’t arrived by this time, try to keep them alive. If anyone is bleeding try to tie a tourniquet around the bleeding part. If it is in the limbs, try tying it at the upper part so that the individual will not lose too much blood.

2. File an accident report within 10 days.

This will ensure that you do not get your license suspended. For accidents whose damage assessment is less than a thousand dollars, you should exchange details such as driver’s license numbers, phone numbers et.c. In cases where a domestic animal is hit, you should do all in your best to contact the owner.

3. Contact your car insurance company

There is a reason it is generally advised that all car owners obtain some form of auto insurance and it is that in cases of theft and collision, the insurance company can pay after you make your claims. If the claims are justifiable and proved true, then you will get your benefits. While the insurance may not be able to pay you everything, they can reimburse you to the tune of eight, sometimes ninety percent. That’s at least better than having to scrape up the money for a new car if the car is totalled or pay for the repairs of a slightly damaged car. Therefore, as soon as you can, get in touch with your insurance company and file a claim. This should be attended to before long.

4. What’s Your Status?

This simply means “who was responsible for the collision?”. What were you doing before the accident? If you were drinking and driving or making out, then it might interests you to know that no insurance company is going to be responsible for your excesses. So, be careful particularly when you are filing your claims.

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What is the average car insurance cost for a 20 year old in Maryland?

October 18, 2017 · Posted in FAQ · 2 Comments 
car insurance
bap32211 asked:

I tried doing quotes but it asks for too much information. I dont wanna keep receiving calls from car insurance places annoying me to get it with them. I have a 1998 Chrysler Intrepid. Dodge i think? Doesnt Dodge own Chrysler? whatever, thats what it says on my registration.

Saving Big on New York Auto Insurance Quotes

October 18, 2017 · Posted in General Articles on Car Insurance · Comment 

For you what is the most critical issue when you’re looking for a new New York auto insurance quote? Based on the results from over 2,000 insured persons that were surveyed, it is the price tag in the number one spot. So for most of us, we feel the same.

We are more price conscious these days and are looking to get the most for what we spend. Over 54% have tried to get their rates reduced inside the last year alone. If you are able to get cheaper New York car insurance quotes, you have one way to cut your monthly expenses. To ensure which you are getting the most bang to the buck you only have to compare your recent rates and to the brand new NY car insurance quotes that you obtain.

You could choose to do the classic visiting or calling to insurance offices. You could also allow it to be easy on yourself and just try and get your New York auto insurance quote on line. If you are part of the set that are not sure as to how to find the most affordable and top notch New York car insurance quotes accessible, that is the easiest, fastest approach to do it.

By hunting on-line, you also can get several quotes from distinct firms inside a matter of minutes. That is an awesome timesaver as well as giving you a variety of quotes from companies which you may well not have thought about.

One more revenue saving tip is to confirm that you know of any and all discounts that you could be eligible to receive. There are a several discounts you can get, just determine which ones will work in your case.

Why should you pay more than you need to? By taking a some time to check on line for New York auto insurance quotes, you will be able to pay as little as possible for your insurance coverage. By acting as a shrewd consumer, you are able to keep more of your money and have great auto insurance coverage too.

 

Cheap Auto Insurance Quotes: A Good Way To Save Money

October 18, 2017 · Posted in General Articles on Car Insurance · Comment 

How to save your money and be secure is perhaps one of the main mantras of most people caught in a financial soup with recession and the economic blow out. One way to do so that is to try and find cheap auto insurance quotes. This method can cut down on spending and let it be stashed away for a rainy day. At the same time, one must not allow your insurance to default in any way. It will pay to keep some insurance alive on your car otherwise no one will believe.

It does not matter what sort of car you own, the fact is that vehicular up keep costs are huge, taxes also continue to rise and gas prices are no less. In some states, sitting behind the wheel and going out on the road without your insurance amounts to a punishable offense. One has to at least have the minimum required insurance.

A lot of your worries in this regard can be resolved by getting on to the internet and searching for solutions. You can see different quotes all at the same time! Due to its informative nature, the Internet will invariably give us the information we need.

Today, we are in a market of buyer which means you are on top and your decisions to purchase something can raise or end its run. The fact is all are looking for some gains or rather to simply stay in business. Just the fact that you are a customer is reason enough for the company to initiate talks with you. You can rest assured that you will get quotations as per your requirement! Always ask for the discounts that you are entitled to as customer. There could also be some promotional incentives; all you have to do is ask!

Do not worry that you could feel out of place or awkward. Ask point blank to read the agreement. Just because you are paying less does not mean you should not know what is in the agreement. What if in order to justify the low premium, the company cuts out some important clauses? You would not want that to happen.

You should also be careful to see that there are no hidden expenses that will be revealed to you later. For example, a service fee charged by the company. Ask about this directly before making any decision.

In the end, it is all about your road history and how you have fared so far as a driver. The demeanor and attitude of your driver will determine whether you get a low quote or not. Be careful that in the future, should you have an accident, you will lose the option of the low premium high bracket insurance entirely. Even Celebrities have faced similar strict action. You will be stopped from applying for low premium or cheap costing insurance for an indefinite period!

So, who can avail of cheap auto insurance quotes? For the most part, students as well as out of work people who require maintaining coverage to safeguard their own interests and expenses. However, the fact remains that just about anyone can seek affordable insurance and coverage for their car. As long as one has insurance, one is safe.

 

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