All Auto Insurance Info

You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you? The idea behind pay as you drive auto insurance is simple. Basically its this- if you do not drive very much, you will not pay high insurance premiums. Advocates for this type of insurance policy think that there are many merits to this type of program. What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go. Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the snowbirds living in Florida or Arizona six months of the year and six months in New York or Toronto for example. Essentially the insurance companies would set an average driving amount for each car type. It could then be broken down into a cents per mile basis. If you wanted to us the pay as you drive auto insurance system you could purchase a set number of miles and you would be covered for insurance during this period. Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon. Groups including Environmental Defense, the Conservation Law Foundation and even the U.S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance. General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicles odometer readings at the beginning and end of the policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40%. PAYD programs are also currently available in Israel, South Africa and Holland. PAYD is gaining momentum, and will be coming to your area soon.
D.Demetre is a contributing author at Online-Car-Insurance.us, where you can get free cheap auto insurance quotes

[tag] Auto Insurance, Insurance Rates, Insurance Quotes [/tag]

Most states make it mandatory for you to have car insurance. The minimum the authorities accept is liability coverage on your car. A liability cover will protect the other person if ever you are involved in an accident. Nowadays Internet is becoming a major information center for those looking for auto cheap insurance.
Now car owners have lot of reasons to hunt online for their car insurance. This is because most of the major insurance companies now provide online car insurance quotes. Most of them also allow you to buy insurance online. This makes obtaining cheap online car insurance quote for your motor vehicle easier than ever before. Another important factor is that there are numerous insurers who provide a discount for buying online.
Saving money is one of the main reasons why people tend to find online car insurance quotes. There are several websites, which offer instant car insurance quote comparison services. This helps the drivers to compare the same service provided by different auto insurance companies before sticking into any insurer. This assures that the drivers can easily find out the low cost quotes. By choosing for online car insurance you can save time spent to see an insurance agent or being hassled over the phone.
The number of people looking for cheap online car insurance quote is growing by day. The number of financial companies who claim they are the cheapest car insurance company are many. With unparalleled growth in auto cheap insurance arena both companies and brokers are on the look out for business and this gives the customer in search of auto cheap insurance scores of options. Before deciding on the on the cheapest online car insurance quote you should do a thorough homework, as the prize range varies considerably. Try to get as many quotes as possible before coming to a decision.
But you should never be carried away by the thought of getting the cheapest car insurance company. By doing so most of the important aspects are ignored and in process you also stand to lose better deals, which you could have enjoyed if you had opted for an insurance for a slightly more pay. Drivers with a clean slate are given better deals and families with teen drivers are offered competitive quotes by certain insurance companies. Cheap online car insurance quote makes this an easy task.
It is good to opt for cheap online car insurance quote. But you must give utmost importance to the diverse aspects of each policy. With a little search and thought you might come up with a decision that benefits your valet and policy.
Ms.Grace Navas is an insurance agent and regular contributor to Super-Value-Insurance.com. A source for online insurance quotes and reviews of insurance companies.

[tag]Auto Insurance, Cheap Auto Insurance, Insurance Quotes, Online Insurance, Insurance Rates[/tag]

Car insurance is one of those purchases whose price can vary radically depending on which company you contact. Because of the wide disparity in rates when you make an auto insurance comparison, you need to know how to get the cheapest car insurance rates that you can. After all, if all other considerations are equal, the auto insurer with the best car insurance quote is often your best bet.
The first thing to do is make sure that you shop around thoroughly to get enough rate quotes that you can make a good educated decision. Just dont get a car insurance quote and buy the policy right there. As with so many other consumer decisions, car insurance is something that must be shopped and compared to get the best deal.
Its often suggested to get at least three car insurance quotes before making a decision, but that is more like the minimum actually. You can get insurance quotes both online and offline as car insurance companies vary as to how they sell insurance. There are still many who sell through a network of their own agents exclusively. Other insurance companies will also sell through independent agents who may represent several companies at a time and can offer to make an auto insurance comparison among all the companies that they represent to give you the best deal.
But one of the fastest growing trends in selling car insurance is the online, direct to consumer companies. The internet has changed the face of many industries and auto insurance is certainly one of those that have been permanently altered. Today, you can simply find one of the major insurance quote providers on the web, enter your information and get a quote from several sources in very little time at all. And because many of these companies have much less overhead than other more traditional insurers, they are able to sell direct to the consumer and save them money as they do.
However, there are some things that you should consider before making any car insurance purchase. Be sure that the company you buy from is financially stable. As more and more newer companies get into the car insurance field, this becomes critical, so check their financial stability on sites such as ambest.com and standardandpoors.com before you buy, and see how the company is rated. Its also a good idea to call your state insurance commissioners office and see how many customer complaints have been received by a particular company that you are considering too. This can help you find out if they not only sell insurance, but also provide good customer service after the sale.
Finally, ask around among your family and friends about their experiences with car insurance companies and see what information you can get. This is often one of the best, most unbiased ways of learning about almost any kind of product that you want to buy, so factor what they have to say in making your final decision as well.
If you take the steps mentioned above as you make an auto insurance comparison, you should be able to get a good picture of what will be the best choice for you and how you can get cheap car insurance rates too.
Find out more about how to get cheap car insurance rates and the best car insurance quote by visiting our Auto Review website.

[tag]Auto Insurance, Insurance Quotes, Insurance Rates[/tag]

Like all drivers, senior citizens (or as I like to call them “seasoned citizens”) want to get the best rates on their auto insurance policies. What they may not be aware of is that older drivers may present a higher risk than other drivers, usually leading to higher auto insurance rates.

Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy.

1. Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occur at intersections. Make sure to look ahead if you plan to quickly change lanes after an intersection. Pay attention to protected left turn lanes with their own arrows, and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesnt push you into oncoming traffic.

2. Follow the flow of traffic, Drive at the at or near the speed limit. Driving too slowly can be just as dangerous as speeding, especially when entering or exiting interstates or freeways. It can also trigger dangerous “road rage” in less patient drivers. You dont have to be Mario Andretti, but keeping to the right and following the flow of traffic is the safest bet.

3. Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.

4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion. This will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.

5. Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.

6. Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes, sure to get training on proper use.

7. Senior drivers can refresh their skills and knowledge — and get a discount on auto insurance in many states — by taking a refresher driving course, such as the eight-hour “55 Alive” course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.

8. Look for cars with rear-view mirrors that automatically dim and filter out headlight glare.

9. Air bag technology has become more advanced, with sensors that deploy air bags based on the weight of the occupant, reducing air-bag-related injuries. Some new cars also have side air bags in the seats or door frame that offer better protection.

10. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.

11. Last but definitely not least, Check to see which companies offer specific Senior Discounts While shopping around for the best auto insurance rates is important, which insurance company you choose might depend on how they treat senior drivers. Youll get their best rates if youre healthy and drive a safe, modern vehicle.

Reprints of this article are allowed (and encouraged) for your site or newsletter with proper credit to the author and a simple link to http://www.hometownquotes.com.
Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is originally from Pinebluff, NC and attended Middle Tennessee State University in 2002. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit http://www.hometownquotes.com.

[tag]Insurance Quotes, Auto Insurance, Insurance Rates[/tag]

Auto insurance, as the term suggests, is insurance that you can purchase for your vehicle (cars, trucks, SUVs, motorcycles, etc.). It provides protection against losses incurred as a result of vehicle accidents. While the product seems simple, there are many different types of auto insurance policies available for purchase. Depending on the policy that you choose, your coverage levels and types will vary. Broadly speaking, these are the types of auto insurance programs on the market today:
Coverage:
* Comprehensive coverage (Comp) - This kind of insurance insures your vehicle against the cost of purchasing a new vehicle if it is stolen or destroyed in a fire.
* Collision coverage (Coll) - This kind of insurance insures your vehicle against the cost of repairing the vehicle following an accident or the cost of purchasing a new vehicle if it is damaged in an accident beyond economic repair.
Protection:
* Personal Injury Protection (PIP) - This insures against the cost of medical expenses and lost wages related to the use, ownership or maintenance of a motor vehicle. This insurance is mandatory in some U.S. states.
* Medical Payments (MP) - insures against the cost of medical expenses for bodily injury sustained in an accident beyond any expenses that may be covered by PIP.
* Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.
While Liability insurance covers only legal liability, comprehensive insurance covers PIP, MP, as well as legal liability. In the United States, liability insurance covers claims against the policyholder and any other operator of the insureds vehicle. If, however, any other operators live at the same address, they must specifically be covered on the policy. For rented vehicles, most rental car companies offer insurance to cover damage to the rental vehicle.
While comprehensive insurance covers most aspects of damage which can affect the car itself or the driver, there is one risk associated with buying a new car is not covered even by comprehensive insurance - once the car is bought, there is a sharp decline in its value. During this period (immediately after a car is bought), in which the remaining car payments exceed the value of the vehicle and thus the compensation the insurer will pay for a totaled (destroyed, or written-off) vehicle, customers may consider purchasing GAP insurance. GAP insurance was established in the early 1980s to provide protection to consumers based on buying and market trends.
Chris Tolamalu is interested in auto insurance.

[tag]Auto Insurance, Insurance Rates, Insurance Quotes[/tag]

If you live in one of the twelve states (DC, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT) that are under a non-fault auto insurance system, you can cause an accident, yet your insurance company wont pay for the other parties damages.

This means you live in a state that both requires drivers to carry insurance for their own protection and places limitations on their ability to sue other drivers for damages. Your auto insurance company will pay for your damages (up to your policy limits), regardless of whom was at fault for the accident. Any other drivers involved will be covered by their auto insurance policies. Since all are required to carry insurance, in theory, there should be no uninsured motorists in those states, I did say in theory.

These states opted for the no fault insurance system because it guarantees every driver immediate medical treatment in the event of an accident. Further, its intended to reduce the legal and administrative fees associated with insurance claims. Again, in theory, this should equate to lower premiums. Unfortunately, often times the liability issues that still remain will actually drive premium costs up.

However, because no state is pure no fault, drivers can always be held financially responsible for the cost of injuries they cause in certain circumstances - thats the loop hole. Some states allow injured parties to sue if their injuries meet certain standard for severity, while others allow it when total costs reach a certain dollar level.

If you are involved in a accident, call the police no matter how small a bump it was. Do not let the other person leave the scene; if they try at the very least make sure you get their number plate.

If you have a camera phone use it to take a photo of the car and the driver if possible. It is worth buying a disposable camera for a few $ and leave it in the glove compartment for just such emergencies.
Paul worked in various Insurance markets for 4 years before starting Auto Insurance.

[tag] auto insurance, no fault insurance, insurance rates[/tag]