Tag Archives: Insurance Auto

How to Get Cheap Student Auto Insurance

  By John | October 30, 2009 - 11:09 pm | Auto Insurance
7 Comments

Auto insurance is one of the biggest expenses students face, right up there with tuition and books. In fact, students can pay anywhere from $2,000 to $10,000 a year for auto insurance, depending on such factors as their …

* Age

* Gender

* Driving record

* Garage location

Fortunately, students can get cheap auto insurance. How? Read on to find out!

Be a Girl

Okay, you don’t have much control over this, but it’s a fact that insurance costs less for women under age 25 than for men under age 25. Men are statistically more prone to having accidents and therefore their insurance rates are higher.

Live Clean and Drive Safely

Do not drink or take drugs and then drive. A DWI or DUI will drive your insurance premium up dramatically, and keep your rate high for years to come. Also, keep your driving record clean by obeying speed limits and other driving laws.

Keep Up Your Grades

Most insurance companies offer discounts to students who maintain a B average or better. You’ll need to show your insurance agent proof of your grades to get this discount.

Buy a Sensible Car

Your dream car may be a Mustang, a Firebird, or a Camaro, but you’ll pay a lot more for your insurance with these types of “muscle” cars. Opt for a car that’s less expensive to repair and is less tempting for thieves. Also avoid cars with high horsepower, as insurance rates are higher on these cars.

Walk or Bicycle at School

If you can manage without a car while you’re at college, leave your car at home. You can adjust your policy so you’ll still be covered when you’re at home for vacations.

Increase Your Deductible

By increasing your deductible – the amount you pay toward a claim before your insurance company pays – you can save up to 40% on your car insurance premium.

Shop Around

Make sure you’re getting the best price on car insurance by doing some comparison shopping. Go to an insurance comparison website and enter your vehicle, driver, and insurance information. You’ll then receive auto insurance quotes from multiple A-rated companies and you can choose the one with the cheapest rate.

The best comparison sites offer tips on how to save money on your insurance, and even have an insurance expert on call so you can get answers to your insurance questions online or by phone. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap student auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/how-to-get-cheap-student-auto-insurance-182575.html

Can a homeowner’s insurance cover an auto stolen because keys were taken from break in to home?

  By John | October 28, 2009 - 11:46 am | Auto Insurance
5 Comments

My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $7K. Would obtaining an attorney be helpful?

I don’t think so

Basics About Auto Insurance

  By John | October 26, 2009 - 11:21 am | Auto Insurance
4 Comments

Auto insurance financially secures the automobile of a person from the case of an accident. It is not mandatory for everyone to purchase auto insurance but for the sake of the safety of their automobiles, everyone purchases an automobile insurance policy along with their vehicle. But there are several states in the U.S which have mandatory rules of insurance and no car can run on the road without having insurance papers with them. These states have made it compulsory for all the car owners to insure their cars in order to keep their vehicles financially safe from any accident and hence there is no loss of money for the owner of the car if there is any damage occurred to the vehicle. Moreover, the owner of the car has to show the government that he has enough money to buy car insurance along with the car and then only he is allowed to buy a new vehicle.

There are several conditions during which a person can claim an auto insurance repayment to the insurance company. These are bodily injury liability, medical repayments, property damage coverage, personal injury protection, comprehensive, collision, and uninsured or underinsured motorist coverage. There is a special type of auto insurance that is called liability insurance. In liability insurance, if a person is at fault in causing an accident then the insurance company would pay the entire amount which that person needs to pay to those persons whom he has caused damage both to their vehicle and the people. Moreover, the insurance company also pays all the legal bills that are to be paid to the lawyer during the legal transactions. So it is suggested that everybody should go for a liability insurance as you never know that when you might cause damage to anyone.

Collision coverage insurance is just like liability insurance but the difference is if a person causes an accident then the collision coverage insurance would repay the entire amount that is required to repair the person’s vehicle. But the disadvantage of this type of insurance is that the person cannot collect an amount exceeding the actual cash value of the car at that time. People always keep on finding cheap auto insurance and hence they must find high deductibles. High deductibles help people to lower their monthly installment that they have to pay their insurance premium. So with lowered insurance premiums, they will be able to get the cheapest insurance available in the market.

Alien
http://www.articlesbase.com/insurance-articles/basics-about-auto-insurance-627139.html

When will the Insurance Lobby force us to have Medical insurance like the did Auto insurance?

  By John | October 22, 2009 - 7:41 am | Auto Insurance
5 Comments

Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits.
Isn’t it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory?
Or is that the republican plan for reform?

Reagan warned of obama and his kind, and I’m not referring to his race, He is a socialist, and health care is his door opener.

Please forward this video to all who question the "acting" president’s agenda!!!!!

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?

  By John | October 14, 2009 - 10:41 pm | Auto Insurance
5 Comments

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that’s probably been exhausted already. An attorney can help with that part of your claim if need be.

Intense Golf Cart and New Jersey Insurance Law

  By John | August 23, 2009 - 9:48 am | Auto Insurance
Comments Off

New Jersey Automobile Insurance – What is Required by Law?

New Jersey automobile insurance is not just about a law that requires you to have it. It’s also a great idea for protecting your family. A good insurance policy protects not only your car but your spouse and children as well. In a
tough economy it might be tempting to risk a ticket and to drive without auto insurance but not only is that against the law and will result in a stiff fine, it also puts your family in danger as well.

Ok so let’s start with what New Jersey Automobile Insurance is required for you to be within the law. You may have heard the name SR 22 which is what most people recognize as the basic insurance that is required by law. The name SR 22 refers to the insurance form for this basic coverage. New Jersey has something called the No Fault Law which requires that you have $10,000 in property damage coverage and $10,000 in personal injury protection as well. If you have any questions about what is required you can contact the New Jersey Highway Safety and Motor Vehicles Department as they oversee those requirements. Believe it not New Jersey is actually not as strict as some other states when it comes to what the minimum requirement for auto insurance is.

There are a couple of things you need to be careful of when looking for New Jersey automobile insurance. If you bought car insurance in another state that coverage should be ok in New Jersey if they are a major company. But if you
bought insurance from a small carrier in another state it might not qualify in New Jersey if the company is not licensed to do business there. This is usually only a problem if you are not dealing with major insurers. So what happens if
you are pulled over without insurance? In New Jersey you will be fined $150 for each time you are found driving without insurance and that amount does usually go up with each violation. Also even if you do not drive your car often, unlike some other states, in New Jersey you must have insurance.

New Jersey automobile insurance is a necessity not an option but that doesn’t mean you just have to take any policy. You can use the internet to get quotes on coverage for you and your vehicle and compare the best policies. Take the time to find the best insurance coverage available so that when you need to file a claim your homework will really pay off.

Insurance New Jersey

  By John | August 20, 2009 - 4:06 pm | Auto Insurance
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Did you know you should get auto insurance quotes each year?

Collision Damage
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