Tag Archives: Accidents

How do you lower car insurance costs for young people?

  By John | November 7, 2009 - 5:25 pm | Low Cost Car Insurance
10 Comments

My 18-year-old son’s car insurance is going through the roof. It just jumped from $270 to $321/ month. He’s a college student living in Tampa, FL (40 miles from home address in Largo, fL), makes good grades, took driver’s ed in high school, has been driving 2 years and never had a ticket. It’s a new car (Mazda 3) that’s titled to my husband, but all 3 of us are on the policy. My husband and I are on a separate policy for our cars. Anyone have any suggestions on how to bring this number down?

My husband had 2 back-to-back accidents last year that were found to be the other driver’s fault and was paid 100% by the other driver’s insurance (including our deductible). Also, we had a claim on my son’s old car when someone hit it while it was legally parked on the street, and then ran. I had a quote of $261 from Traveler’s until they questioned these claims, then they bumped it to $331/ month. I guess they count against us, even though they weren’t our fault?

the best bet is to ask your insurance company – different companies offer differnt reductions. some offer discount for students based on grades or gpa , and others may dicsount if he takes a defensive driving course again. those should offer some smaller discounts.

however since his rate is so high – i would recomend shopping around for new insurance and getting free qotes. but be sure to tell them your full driving history when they quote you as the rate will change once they look up your driving record and see anything you didnt mention.

Auto Insurance in Maryland

  By John | November 4, 2009 - 7:57 am | Auto Insurance
3 Comments

When you decide to buy auto insurance in Maryland that agent will demand from you such information to estimate your features of risk. The history of movement for the last three years, records about your infringements is required to the auto insurance agent, type of the car which you wish insure, details, model, age. As a result auto insurance agent appoints the norm based on your characteristics. If in your report is available though one accident that the auto insurance agent will carry you to high group of risk and you will pay the high premium. Your sort and age too influence reception of norms of auto insurance. As is known men and have youth of more accidents. Norms decrease for auto insurance with increase in your age.

Married people have lower norms of auto insurance and pay it is less. If your year run very high you get in high group of risk and will pay the greater premium.

Norms are certain by habits of movement within the limits of staff. The minimum of the responsibility for a physical injury makes 20 000 $ for the person, 40 000 $ if has suffered more than two person and 15 000 $ for damages of a personal property. Before buying auto insurance in staff it is important to know what norms are required under the law in this state.

Scope of auto insurance demands some types of protection. The law of staff demands that each driver had a minimum level of protection. Many drivers buy more than a minimum level that charges connected with repair, medical charges, charges on litigations as a result of accident defray all. They pay higher premiums, but are assured that will receive worthy indemnification at accident. Auto insurance in maryland of a civil liability protects you in case of accident. Two types are included in this scope liability: protection from a physical injury and the responsibility for damage of the property.

Eden Ali
http://www.articlesbase.com/insurance-articles/auto-insurance-in-maryland-192383.html

How do I know if my auto insurance company is frauding my?

  By John | November 2, 2009 - 9:40 am | Auto Insurance
4 Comments

My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for "reinstatement of coverage", coverage I never lost in the first place.

you can visit the company’s official website from where you can know about the insurance procedure / rates etc.

usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses.

There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company.

Wish u luck Buddy!!!!

How to Get Low Rate Car Insurance

  By John | October 10, 2009 - 10:38 pm | Low Cost Car Insurance
4 Comments

It is always a great experience to purchase a new car. The thrill of driving it home for the first time is overwhelming. However, once you get it home it is time to start thinking about how you are going to protect it. You may think it is hard to find a low rate car insurance policy that provides you with the right protection, but it is not, and this article is going to tell you how.

Below are the factors that are going to affect how much your auto insurance will go up or down.

1. Your past record is the first thing that will affect you. The insurance companies look into your past driving to see how many traffic violations and accidents you have been involved in. You will be able to get a discounted car insurance rate if you have a low number of traffic violations and accidents.

2. Unfortunately, your age and gender are a factor in the cost of car insurance. The insurance company takes a look at how likely the person is to get involved in an accident. Those drivers that have experience will pay less for car insurance than those who are just starting to drive and women will pay less than men.

3. Although it does not involve your driving in anyway, your credit history will be checked by insurance companies. If you have a clean credit history then you will be able to bargain for a low cost car insurance. However, if you are a person with poor credit history you will be hurt when it comes to getting a good deal on your insurance.

4. One of the best things that you can do to get a discount on your insurance is to take a defensive driving course. Most insurance companies offer a discount for those who have completed a driving course because it shows that you are looking to be a safe driver on the road which will help prevent accidents.

5. The best way for your car to become eligible for a discount is if it has been installed with a anti-theft device. If your car has an alarm installed in it you are less likely to have your car stolen. Also, if your car has safety features such as anti-lock brakes and airbags you are likely to get cheaper insurance.

6. If you insure multiple cars under the same plan you can get a multi-car discount. It is not uncommon that you can insure two cars for the price of one under a multi-car plan. It is important that you ask the insurance company if they offer this type of discount because not all the companies do.

These are just some of the many things that you can do to get a low rate car insurance plan. Some of these variables are out of your control and some are easy enough to do that it is a wonder why most people do not take advantage of them. No matter what the case, you can be on your way to saving big money by following this article.

Michael Hunter
http://www.articlesbase.com/automotive-articles/how-to-get-low-rate-car-insurance-445592.html