Posts Tagged "insurance"
The latest crash test results are in and car makers have learned that safety sells. This year 2008 the list of the safest new cars are three times longer than last year.
From convertible, to pickup trucks, The Insurance Institute for Highway Safety put vehicles to the test rating on how they do during font, side, and rear crashes.
One of thing that is important from this result is that the consumers are shopping for new vehicles that are safe and as well as transportation. Now the Institute is out with its list of the 2008 top safety pick. Read more ›
Collision coverage implies when you have an accident involving another vehicle or an object such as telephone pole, guardrail, a building, or you accidentally overturned you own vehicle.
Comprehensive coverage applies for losses in fire, theft, vandalism, breaking glass, hitting an animal, hailstorm or flood damage or any other losses not caused by collision. Read more ›
The Insurance Institute for Highway Safety has come out with its latest pick for the safest car for 2010. This study is done every year to determine which car is the best for protecting you and your family members in auto accident.
This year there were some big winners and some surprising losers. To come up with 2010 safest cars, the Insurance Institute employed font, side, rear and for the first-time rollover crash tests. Each year in the US there are about 25,000 to 35,000 people who die in car accidents and a little over 9000 of those are rollover crashes. Read more ›
The medical payments coverage protects you and the passengers if you were hurt in a car accident regardless of whom at fault. The coverage also extends to you and your family members, if you were a passenger by someone else’s car or you are a pedestrian injured by an automobile.
Medical payments coverage pay the medical bills result from an accident up to per person a maximum of $5000. There are no deductibles and no waiting periods under this coverage. Also, prescription drugs related to their injuries are covered. Read more ›
For most people buying a new or used car is the first major purchase, actually a new car is second only to a home as the most expensive many consumer made. With vehicle prices at averaging over $25,000, is easy to see why someone would want to protect that investment. Before we talk about the coverage of the automobile itself I like to start with what many people believe is the most important coverage of all: Liability Coverage
Liability coverage pays for injuries or damages you or someone else driving your car caused by other people or their property. Read more ›
Are you thinking about buying new car insurance and you’re trying to figure what is the best way to do it?
Our recommendation is that you speak with a local agent in your local area, you sit down with them, and you explain what it is that you need.
There are many different types of insurance, types of carriers, and types of limits. It’s all up to you and your budget. Therefore, you can design a program that fit to how much money you want to spend each month and that is going to tell you what carrier and what limits are going to be best for you. Read more ›
When applying for auto insurance, there are many factors auto insurance provider has to take in consideration for the cost of your premium. For example, if you live in the city where there are traffic and higher rate of auto accidents, you will end up paying more for your auto insurance than people living in smaller towns. Also, driving experience can also be a big factor for your insurance cost. Younger people with less driving experience pay higher auto insurance premium than mature more experience drivers.
Also, race car drivers are in one of the higher group for high auto insurance premium cost because race car drivers like to drive race cars and speed from zero to high speed on the roads making them in the high risk drivers. Some auto insurance provider has a scale system from 1 to 20, 1 being the least risk and 20 is the highest risk. Read more ›
One day you will end up adding your teen son or daughter to your auto insurance policy. It is every teen dream and every parent’s nightmare. You would already know adding a new driver especially a new teen driver to your auto insurance policy would result in higher premium cost. However, don’t panic there are a number of ways to reduce the cost of your premium, make sure you follow these steps:
Step 1
Most auto insurance providers offer discount to good students who average a B average or above. So doing well in school does pay off.
Step 2
Get your teen driver to complete a driving class. Many auto insurance providers give discount to teens that completed driving school. Read more ›
Some people may believe by getting arrested for DUI is only a matter of paying for the fine and that is it. Not everyone understand when you are arrested for DUI, not only you pay for the fine, your auto insurance premium will increase. Even if you did not crash your car, get yourself injured or injured another person, you may still paying thousands of dollars in fine, incidentals payments, pay more in your auto insurance premiums and pay thousands of dollars more for your bail.
The moment you drink and drive, you better start thinking about how much it will cost you. For instance, if you get pull over by a police officer and get arrested for DUI. The bail can cost between $150 to $2500 dollars and that is the start. Because you have been arrested for DUI and would have your car towed. Now you have to pay for the towing company as much as $1200 and for some reason you can not pay the towing company to get your car. The city has the permission to auction your car and the city keeps all the money from your car.
Lastly, you insurance premium will jump. Your car insurance company has all computer record with the police department and the car insurance company will know if someone got a ticket or been arrested for DUI. Once your car insurance company finds out about the DUI, you will have to pay higher premium and in some cases, your car insurance premium may triple. Your car insurance company may even drop you completely. When that happen you would have to go somewhere else and pay even higher premium just because you got arrested for drinking and driving.
Janine Gargani on 
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