Tag: auto insurance (Page 3 of 7)

Discover The Auto Insurance Tips That Separate The Amateurs From The Pros

December 22, 2012 / raleighjunkcars

Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.

Before you change your car insurance, be sure that you don’t have any unresolved traffic violations or parking tickets. Insurance companies are definitely going to review your driving record; you have no excuse for failing to resolve easy problems like paying the fines you owe. You should do this anyway, and it will help reduce your premiums.

TIP! Inquire if your insurance company has discounts that may reduce your premium. Many insurance companies offer a break in price for people who have low mileage each year.

When shopping for car insurance, you should understand that only the driver on the policy is being insured. If you allow someone to drive your car, and they were to get into a car accident, the insurance may refuse to pay. Although it will cost extra, you can elect for coverage which will permit other drivers to operate your vehicle.

Speak with your auto insurance company and ask them about discounts they may have. Take note of ones you qualify for, and try to get those discounts. This will save you the most amount of money possible.

There should be a “consumer complaint ratio” for many insurance companies in your state. These figures indicate the percent of complaints that are associated with the claims of a provider.

TIP! Always be certain to purchase property damage liability coverage as part of your auto insurance policy. This can cover any damaged caused by your car during an accident.

To get the lowest possible insurance premium, choose the highest possible deductible. Although you will have to pay more money up front if you get into an accident, you will still have coverage for big expenses. If your car is not worth a lot of money, selecting a high deductible is a good choice.

Car insurance is important to have even if consider yourself a safe driver. In the event of an accident or tragedy, insurance is the one saving grace you have to hold on to. Having the right coverage can save you a lot of hassle when something happens to your car. Use the helpful information you learned here to help you obtain the coverage that is right for you.

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Useful Insurance Tips For Your Auto Needs

December 12, 2012 / raleighjunkcars

An insurance company can typically drop your coverage within the first 60 days without providing a reason. While the days go by, the company makes sure that you’re not a large risk to their business. If your policy is terminated, you can end up facing higher premiums later.

TIP! You don’t have to ditch the idea of a sports car based on the mistaken impression that it necessitates higher premiums. Many sports cars do not have a higher premium.

In case you ever have to file a claim to your insurance company, know that insurance companies want a lot of detailed documentation. You can use your cell phone to record the time and place of any collision and the damage resulting from it. It pays to always have a camera on hand in your vehicle.

Put the lowest amount of miles on your car as possible. If you are unable to reduce your annual mileage, it may be worth it to buy a cheap, second vehicle. You may find that the cost to insure two low mileage vehicles each year is cheaper than one high mileage vehicle.

It is prudent when looking into what an auto insurance policy covers that attention is given to see what the terms and conditions state regarding third party uninsured drivers who have caused an accident. This is one aspect of insurance that you will want to look into, especially since it’s not a requirement in most states so they may not even offer it in order to save you money. Insuring other people that drive your vehicle will protect you in case that person does get into any type of accident.

TIP! You need to make sure that your policy includes property damage liability when you are purchasing vehicle insurance. This will take care of any damages that your car causes in an accident.

Car insurance can be a life saver when an accident happens. The right coverage and the right insurance options you chose can ensure you get the monetary assistance to go through this difficult time of your life. Use the tips you just read to help you find the perfect auto insurance coverage for you.

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Look Over Your Auto Insurance Policy With These Tips In Mind

December 9, 2012 / raleighjunkcars

Don’t let obtaining insurance for your vehicle become a trial. Finding a good policy doesn’t have to be difficult, but you should spend some time educating yourself. This helps to prevent you spending unnecessary amounts on bigger policies or spending too little and finding out too late. These hints should help you buy a good policy.

You may want to pay it all at one time. Certain companies will make you pay a fee if you decide to make monthly payments. Save your money now to pay off your insurance in one go, so that you save money later.

Rental Car

Check into the rental car coverage of your insurance policy. You may need a supplement to your insurance plan if your current policy does not reimburse you for a rental car while your car is in the shop. This extra coverage can add up to $20 per day. Your car can take a long time to repair.

Moving to a different city or state can have a big impact on your insurance costs. Insurance premiums and requirements vary by location. Thus, you might find a cheaper rate if you move somewhere else.

TIP! Make your agent aware of all your car’s safety features to get the best rate possible. Safety features, like alarms and air bags, can lower your premiums since they have the potential to prevent future claims.

Leave more money in your pocket by choosing a higher deductible. It is a risk, but for people who are able to save up money for the deductibles, it is a smart way to save money. Premiums and deductibles have an inverse relationship in that, in general, the higher your deductible amount is, the more you can save in premium costs.

You should consider your monthly insurance payments when you are car shopping. Remember safer car choices are viewed more favorably by auto insurance companies. Sports cars are notorious for high insurance premiums. Don’t forget to account for this expense when you’re drawing up the budget for buying a car.

Unless you have a claim for more than $25,000 you should not hire an attorney or file a lawsuit. Concentrate on speaking to the claims adjustor to reach a satisfactory settlement agreement. An attorney will charge you a percentage of whatever they win for you, so they are usually not worth the trouble unless it is a large amount of money in question.

TIP! During the first two months of coverage, insurance companies can end your coverage without telling you why. While the days go by, the company makes sure that you’re not a large risk to their business.

Most people don’t understand the variety in the world of auto insurance. It is necessary to be properly informed so that you can improve your car’s protection. Using these tips can help you to choose the right car insurance.

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How To Purchase The Best Auto Insurance

December 3, 2012 / raleighjunkcars

Many people find auto insurance either boring or overwhelming, which makes it harder to understand than it needs to be. Learning more destroys confusion like anything in life.

Understand your insurance policy before the unexpected happens. Typical auto insurance policies include coverage for things like bodily harm, property damage and medical expenses. Coverages such as comprehensive or collision may not be included on your insurance policy, unless you ask for them. Make sure you have the coverage you need and don’t just rely on basic coverage.

TIP! Talk to your automobile insurance agent and have them give you a list of the discounts they offer. Comb through the list, and consider which ones you are eligible for.

Before purchasing automobile insurance, get quotes from several companies. Many times, different companies will offer very different rates. Shop around for rate quotes at least annually in order to know you are not paying too much. When you compare quotes, also compare the levels of coverage the policy offers.

You might want to check with auto body repair companies in your area. See if they recommend certain insurers. People who work as car mechanics speak with insurance adjusters all the time. These shops deal with insurance companies day in and day out, so they will know which ones are easy to deal with and which ones drag their feet.

Car insurance rates can actually change based on location. The price of insurance will vary depending on where you are.

TIP! There you will be able to look up the latest “consumer complaint ratio” for insurance companies in your area. This is a percentage of claims that the agency agrees to fulfill.

You might want to remove car rentals, if they’re included in your auto insurance plan. You are probably paying for it, but it is something you rarely use. Removing it will save you money, so consider whether doing so is worth the risk.

Your insurance coverage should never be permitted to run out, even when you are switching between plans. This will keep your insurance costs lower. Switching between many different policies and insurance companies can cause gaps in coverage, even if unintentional. After your insurance company realizes that there was a gap, it will want to raise your rates.

Sports Cars

TIP! Try to bundle your insurance to save money. Look for offers such as bundling home and auto.

Sports cars will require you to pay more to insure your vehicle. Sports cars cost significantly more to insure than many others. Choose a smaller car with a less flashy profile. The better the engine, the more you will pay for insurance. Sports cars are more expensive to insure since they are stolen frequently.

Most larger auto insurance providers are willing to offer steep discounts to households in which all drivers (mom, dad and teens) are insured by a single company. You can generate hundreds or thousands of dollars in savings every year by insuring all of your vehicles with the same company.

Be sure that everything noted on your car insurance policy is correct. When you make sure things are accurate, you can save money and avoid claim denials. Is there a typo or mistake in your home address? Is the vehicle manufacturer, model and year all correct? Confirm short distance driving on your claim since your yearly mileage may affect the cost of your premium.

TIP! Compare rates amongst several insurers before picking auto insurance. Chances are you will have to shop around to get the best rates possible.

The tips listed here are able to help most people. Take the advice provided here, and use it for your auto insurance needs. Using this article as a guide, you can get the insurance coverage you need at a price you can afford.

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Great Advice To Become An Insured Driver

November 21, 2012 / raleighjunkcars

If you own a vehicle, you need to have insurance. That said, you have a host of options when it comes to choosing insurance for your particular situation. If you do your research, you will find that the costs of premiums greatly vary from company to company.

If you do find a lower rate than what you are paying, inform your insurance agent of the quote before you change companies. Your insurance company may be willing to lower your rate to keep you as a customer.

TIP! Always consider the costs of insurance before purchasing a car. Your agent can tell you which cars receive a lower premium because of safety or security features.

Be aware that the cheapest insurance quote may not mean it is the best policy for your automobile needs. The cheap insurance you found might have gaps in coverage, but it might also be a diamond in the rough. Make sure you find out about the insurance company and your policy because you want the best helping you out if you need to file a claim.

Some companies offer discounts for those who do not log mileage in excess of 7500 miles per year. If you can lower your total mileage then you can save a significant amount of money on your insurance.

Safety Features

TIP! Car rentals are very important to include in your insurance policy. If you have to get a rental during repairs on your main vehicle, you’ll need to buy separate insurance for that vehicle as well.

To get the cheapest insurance rate, list all the safety features of your car. Any safety or security feature that can reduce the likelihood of serious injury or theft is worth mentioning, from side-impact air bags to car alarms. These features can reduce your insurance premium, because the likelihood of expensive claims is lower. Even with an older car you can get these discounts if you include these safety features at a later date.

Having more than one policy with an insurer can reduce your auto insurance costs. Shop around to see what bundled insurance packages are available to you. Find out what deals are available for obtaining car, home and life insurance together. You will need to get good coverage and a good deal, you may need to get two insurance companies or policies to achieve this.

Car insurance premiums differ between each individual customer. This is not always due to different cars, different driving records or different amounts of coverage. All insurance coverage isn’t the same, and some people are able to have equal coverage for less money. You can easily do this if you take the time to learn the auto insurance tricks.

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Tips For Navigating The Auto Insurance Lanscape

November 3, 2012 / raleighjunkcars

Some things that affect your insurance cost are in your control; others aren’t. Asking for a higher deductible can lower your premium. These tips assist you in finding different options, so you can lower your auto insurance premiums.

Insured individuals should always make sure they are covered for ‘uninsured drivers’. This is something you will really want to consider since it increases the price that you will pay. This is also the insurance that reimburses you should a driver without insurance be at fault for an accident you’re involved in.

TIP! Don’t be too price-sensitive when shopping for auto insurance. Cheap could just mean poor coverage or it could mean you found a great deal.

There are wide variations among insurance carriers. Because insurance companies offer a broad array of policy prices, always solicit additional quotes if you do not like the first few you receive.

Driving Record

Keep your driving record as clean as possible. Any accidents or tickets will drive up the cost of your premiums. You can have cheaper insurance and improve your driving record by attending traffic school.

TIP! Maintain the paperwork showing each of the insurance payments that you make. Having proof of payment is always a good idea, as is keeping proof of insurance with you at all times.

Maintaining a good driving record is key to getting the best insurance premiums possible. Nothing sends your insurance payments skyrocketing as rapidly as a driving accident. Stay aware of your limits and capabilities as a driver, and keep away from risky driving situations. If you have a hard time seeing at night, you shouldn’t drive during this time.

Insurance companies offer a wide range of coverage and services that go beyond what is legally required. Your cost will be more, but if you get into an accident, it will be worth the extra expense. One important coverage to carry is coverage that protects you from uninsured motorists.

Think about getting rid of car rental coverage on your insurance policy. If you don’t rent cars very often, the coverage may not be worth paying for. In order to save money, remove anything from your policy that you don’t use, as you probably won’t need it. But remember that this is a toss-up.

Driving Record

Tickets and points from accidents will reflect against your driving record and you’ll have to pay more for vehicle insurance coverage. Along the same lines, though, as the points expire they will drop from your driving record and you’ll be in a position to get lower prices on your premiums. Once this happens, it’s wise to do some comparison shopping on auto insurance rates again.

Many people have difficulty ascertaining what types of coverage they need. As a rule of thumb, the more assets that you own, the more liability coverage you should have. To clarify, say you own $100,000 in belongings. If a mishap is your fault, the injured party can bring charges against your personal belongings. Insurance only covers the amount stated in bodily injury liability. If you have $10,000 bodily liability coverage, a $50,000 medical bill from the injured party would mean $40,000 paid from your assets. It is more prudent to get enough coverage and be safe.

TIP! If you do find a lower rate than what you are paying, inform your insurance agent of the quote before you change companies. They’ll often match the competitive offer to keep your business.

You learned earlier that many of the variables that affect your auto insurance premium can be tweaked. You are in control of the amount you drive. By taking a look at factors, such as mileage, you can reduce your car insurance premium.

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Shrewd Tips To Help With Auto Insurance

October 31, 2012 / raleighjunkcars

Many people find auto insurance either boring or overwhelming, which makes it harder to understand than it needs to be. Just as is the case with anything, the more knowledgeable you are, the less chance there will be for any confusion.

If you have a previous association with a car repair company, seek their opinion on insurance companies and which ones have a good reputation. Employees at body shops deal with insurance adjusters on a regular basis. These shops deal with insurance companies day in and day out, so they will know which ones are easy to deal with and which ones drag their feet.

TIP! A certain amount of liability insurance is a legal mandate for most drivers. Remember that the responsibility for carrying the legally-required level of insurance lies with you, not your insurance company.

Always analyze your policy before renewing it. Notify your insurance company of any pertinent changes. If you move to a new job with a shorter commute, you could get a break on your insurance costs.

Before you switch over to a new insurance policy, make sure you send a written cancellation letter to your old carrier. If your insurance company does not record your cancellation, they will issue a bill — and when you don’t pay that bill, they could report that they cancelled you for non-payment. If you don’t have proof of cancellation and there’s a problem, they can report you to the credit reporting bureaus and this will negatively affect your credit.

Auto Insurance

TIP! An insurance company can typically drop your coverage within the first 60 days without providing a reason. This is when insurance companies will review your driving record to see whether or not you are a high risk.

You have to fully be aware of all the laws about auto insurance in your home state. Each state varies in minimum coverages and laws, making it important that you understand the requirements before purchasing an auto insurance policy.

The great thing is that these tips are applicable to a wide variety of people. You want to use these tips, and apply them to the type of auto insurance you are interested in. Aim for coverage that is affordable and provides an adequate sense of security. The tips shared in this article should lead you in the right direction.

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Learning How To Save On Auto Insurance With A Few Quick Tips

October 28, 2012 / raleighjunkcars

Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

A great tip for auto insurance is to get 100/200/100 level coverage for liability if you have a good car with a few assets to protect. It is essential that your insurance policy meets all liability coverage levels mandated by your jurisdiction.

TIP! There are a myriad of factors determining your rate for auto insurance. Gender, age and marital status are just a few of the more commonly known examples.

Always consider the costs of insurance before purchasing a car. Auto coverage offered by insurance companies can be less expensive on a safer automobile. On the other hand, sportier models tend to come with higher premiums. Figure out how much those insurance costs will be and take that into account when choosing which vehicle to buy.

If you don’t have collision coverage and get into an accident in which you are determined to be at fault, you’ll have to pay any repair bill in full. Paying the cost to repair your vehicle when it comes to an accident may be more than you can handle, whereas a lower premium is much more affordable.

If you can afford it, you should make your policy payment in one lump sum. Many insurance agencies tack on a service charge if you want to pay in monthly installments. Start putting money aside for the next time you renew your policy so that you can pay for the whole premium at once and pocket the savings.

TIP! When you switch to a different insurer, send a written letter to your former insurer to cancel the policy, and keep a written copy as proof. If you receive another bill, then contact the company again.

Before you purchase a car, it’s important to talk to your insurance agent first. Insurance company agents can give you a list of cars which have the most economical rates. This can help you when choosing a used or new car. It is possible to save a great deal of money on your automobile insurance if you buy a car that is highly rated for safety.

Auto Insurance

When you talk about auto insurance and the elderly in the same sentence, it is essential to know the majority of accidents that happen during the day are because of senior citizens. This is something to be aware of because it can have an impact on auto insurance rates and may even prevent you from getting any insurance at all.

TIP! In order to ensure proper coverage, discuss potential vehicle customization with an insurance agent in advance. A new set of shiny wheels may cost you a lot of money, but they may also only add a small amount of value to your car.

Everyone knows that car insurance information is filled with a lot of complicated jargon. If you master this terminology by reviewing insurance tips like those below, you will be prepared to choose a good insurance policy, one you can feel confident about. When you are well-informed, you can feel better about your coverage.

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How To Choose The Best Auto Insurance

October 25, 2012 / raleighjunkcars

Car insurance is important and something you must have if you wish to drive a car. Sorting through the many different insurance options to find the best plan can be very difficult. Read on for some tips on finding auto insurance that fits your needs and your budget.

Some coverage items are not worth the extra cash though. One example of this is collision insurance; a good idea for expensive cars, but if your care is a piece of junk, it’s probably not worth it. By dropping from this your coverage, your premiums could go down significantly. You should also think about dropping your comprehensive and liability coverage.

TIP! Begin by taking an honest look at at the kind of insurance coverage that you actually need. While many insurance options are available, some do not make sense.

Unless the claim would be over $25,000, you should avoid filing a suit. It is better to focus on making a settlement with your insurance companys claims adjuster. Making the choice to hire an attorney is extremely expensive and usually not worth it.

Car insurance rates can actually change based on location. Rates change across locations due to factors like local accident rates and theft statistics. Urban areas also usually have higher rates than suburbs and rural locations.

Not all insurance companies are alike, but if you have a less than perfect record you will obviously pay higher premiums. Some companies specialize in getting good rates for not-so-perfect drivers.

TIP! When switching to another insurance company, cancel your previous policy in writing, and keep a record of it. If you do it by phone and it doesn’t get recorded properly, they will send you a new bill.

Senior citizens tend to cause many daytime traffic accidents. This is important because not only may it effect the rates of auto insurance, but also the ability to get insurance in the first place.

Increase your deductibles to spend less. Even though this can be risky, it can be an excellent method of saving if you can make the initiative to put some money aside, so that you can pay the deductible in case of an accident. The higher you set the deductible, the lower your insurance premiums will be.

Reconsider purchasing costly add-ons for your car. Luxuries in your vehicle, while nice, are not a necessity. If your car is totaled or stolen, your insurance will not reimburse you for the damage done to it.

TIP! Requesting payment receipts from your insurance company is a really smart idea. This is great if you ever run into any problems with your insurance provider as you now have physical proof.

Make sure to research insurance costs when you are purchasing a car. Your insurance agent can tell you what vehicles have the best premiums. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. It is possible to save a great deal of money on your automobile insurance if you buy a car that is highly rated for safety.

Do not risk driving without auto insurance! You will be saved from a pile of financial trouble by having car insurance. Use these tips to guide you to a good automobile insurance plan that works for you.

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Simple Steps On How To Get Good Auto Insurance

October 22, 2012 / raleighjunkcars

Buying automobile insurance can be an ordeal if you don’t understand the terms and how insurance works. It isn’t rocket science but you will need to do some research, so you don’t lose money. You’ll also need to make sure your vehicle gets enough coverage. Use these tips if you need a little bit of guidance finding an automotive policy.

Know the ins and outs of insurance when you are shopping around. The general concepts involved with insurance are similar nationwide, but every state has its own requirements. Know the terminology when you are shopping for a policy so that you can comfortably discuss features with an agent.

TIP! Keep your driving record as clean as possible. The number one cause of high premiums is a bad driving record.

You can save more money if you drive fewer miles in the period of a year. Sometimes it is easier to purchase an inexpensive, fuel efficient car as a secondary vehicle than it is to cut your mileage on your primary car. You may discover that it is more cost effective to insure two low mileage vehicles per year than one car with very high mileage.

If you are contemplating making after market additions to your car, have a conversation with your agent to see how these would be covered. Investing in expensive rims that cost you $1000 bit only add $30 in value to your vehicle will add up to a big loss if the vehicle is stolen because you won’t recover the difference.

Getting Married

TIP! Being a member of certain organizations can lower your premiums. The insurance company may offer a discount with your proof of membership.

One little-known way for younger people to get a discount on insurance is getting married. There are people that have found they saved almost 40% on their insurance after getting married. Though you should never get married only for insurance savings, if you are already planning a wedding, this will be an extra bonus.

Whenever possible only carry one family member per car. This should help keep the premiums low. If there is a 1:1 correspondence between people and cars, your auto insurance will cost less.

If you have any outstanding traffic or parking tickets, be sure to pay them before switching auto insurers. Companies will look over your driving record; pay any fines that you owe. While it is obviously the notable thing to do, is also has the added benefit of lowering your insurance premiums.

TIP! When people evaluate car insurance, one thing that is commonly overlooked is the coverage for uninsured drivers. This is something to give a good amount of consideration to as it can dramatically raise the price of your policy.

Most people don’t understand the variety in the world of auto insurance. Investigation and common sense are required, but at the end of the day, extending the usable life of your car is worth it. These tips will help you gain the knowledge you need in order to make the best choices for car insurance.

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