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You may be astounded to be told that one reason your auto insurance premium has increased is because of your credit rating. Do you think this is ethical or fair? I have my doubts about this practice, but insurers do have the right to take all reasonable steps to ensure that they charge you a premium commensurate with the type of risk you represent and credit rating is one way they are allowed to assess you.
If your credit rating is not good, you represent more risk as the insurer assumes that...
Car Insurance For Mature Women Divers Can be Cheaper
How much do you pay to insure your car? I imagine it is above $1500. If not, you are to be congratulated on making sensible choices to reduce your auto insurance premium. For the rest of you, it may be time for a change.
Due to statistical data around these days about gender differences in driving habits, auto insurers are willing to offer women cheaper auto insurance coverage as it is evident that they are less of a risk to insure. Yipee! But make sure this is happening for you. You may have...
Back To School: Student Health Care Options
Each year a whole new cohort of students and their families have to decide what health care program to enroll in. There are on-going changes taking place in terms of what is available to students, so look around. And remember, as with many decisions in life, the best option for you depends on your situation and needs.
Some new developments, however, appear to be beneficial for students. This year, young people up to the age of 26 can remain on their familys health plan. This is possible even...
Unexpected Problems on the Road
In an effort to keep yourself save you drive safely, wear a seatbelt and obey the rules of the road. Your auto insurer thanks you for this in the only way that matters, affordable insurance. But what about those unexpected things that happen on the road? How can you prepare for these?
One of the ways to keep safe on the road is to move from the merging lane to the main highway cautiously. Some drivers behave as though they do not have a brake pedal. They think that they have charge of the lane...
Road Rage and Accidents
What acts as a trigger to get you in a bit of a huff in the car? And how quickly does that level of annoyance approach something close to road rage? There are few accurate measures of road rage leading to accidents but auto insurers know this happens. When it happens to you, your auto insurance policy is doubling or tripling as it wings its way through the postal system to you.
So what pushes your buttons and turns you from a sensible driver into an ogre? For some people it is getting stuck...
DUI or Making the Right Choice
Driving under the influence of alcohol (DUI) is an unwise move that could have many negative consequences one of which is a huge increase in auto insurance.
If you are charged with DUI and you auto insurer finds out, your auto insurance premium is likely to double or worse. There is a slim chance that they will not find out. But if you are required to prove that you have liability insurance, you will need an SR-22 and that has to be obtained from your insurer. Bingo youre busted. Not all...
Older Women and Driving
There will come a time in the lives of all women when we will have someone, a child or grandchild or even worse an officer of the law, suggest to us that we give up driving. Considering that women have fewer devastating crashes than men and fewer crashes overall, think carefully before you acquiesce. Insurance companies are favorably disposed toward women drivers and offer good deals, so do not give up your independence easily.
The type of accident women tend to have is usually the...
Are Teenage Drivers Too Young to Drive?
Many parents fear the day when their children are old enough to drive and not just because they will face high auto insurance costs. Seeing you child behind the wheel and thinking of the dangers ahead is a natural concern. But what age is the right age?
Many of us with teenagers desperate to learn to drive did not face the same challenges learning to drive that young people face today. Farmers children especially seldom needed lessons as they had been driving tractors and riding motorbikes on...
Coming To Terms With Health Insurance
Health care and health insurance have certainly become hot topics recently. Although there has been a lot of debate about the need to make health care available to all citizens of the US, many young people find it very daunting to get started with their own health insurance.
Despite the debate, if you are looking at purchasing health insurance for the first time, you need solid information and advice. Do not make a snap decision, as, unfortunately, this could be a costly mistake.
Firstly, you...
Where Will the Next Generation of Car Safety Devices Take Us?
Some of the car safety devices being developed currently remind me of the Jetsons. But, it is not fanciful to want cars to be fitted with devices that make moving along roads at speeds of 120-200 kph safer. It is not surprising that the race to develop life-saving devices is coming out of European countries such as Germany where these speeds are common on the highways. As insurance companies will benefit from a decrease in accident payouts, they have a vested interest in seeing the new...
Auto Safety Features - Making The Most Of Them To Protect Your Family
You may have heard conflicting reports about injuries involving air bags. Perhaps you are thinking of buy a car with plenty of safety features as a means of reducing you auto insurance premium. Well, please do so. Insurance companies do give reductions for certain cars that have safety features because, in the event of an accident, people are less likely to be badly injured or killed.
I have had personal experience with people who have had horrendous accidents, the cars are wrecked, but the...
Safety Tips To Pass On To Teenage Drivers
There are several main points to get across to young and learner drivers. Of course we learn a lot about driving by experience and nothing can replace those years of driving but, in order to keep your teenagers safe on the road and free from accidents, pass on a few simple tips.
Driving is thrilling, especially for new drivers, and there is no need to scare the young driver; however, you should make it clear that when driving they are in charge of a potentially deadly weapon. Used carelessly,...
How Much Don't You Know About Auto Insurance?
I expect the answer to this question for many people is plenty. In a country where litigation is big business, auto insurance is complex and expensive. Understanding what you are paying for helps you to take control and make informed decisions. It may also lead to a more affordable auto insurance premium for you.
You cant take it all in at once, so lets stick to stuff that goes together logically.
Liability insurance is an important one. If you cause an accident, it is liability cover that...
What Do I Need to Know About Tort or No-Fault Auto Insurance?
Getting the best auto insurance at the best price can be tricky. One big question you should sort out from the start is whether you are in a tort or no-fault state. Most states operate the fault based, or tort system.
This makes a difference when buying auto insurance, as in a state where it is a tort system, you will have to pay for all medical and damage expenses if the accident is found to be your fault. These can be considerable. You may want to keep your auto insurance expenses as low as...
Auto Insurance Mistakes and How to Avoid Them
In a perfect world, there would be no war, and no starvation. But we dont live in that perfect world. Bad things happen, and further down the scale of miseries, sometimes you get ripped off because someone neglected to give you the right advice.
That seems like a small omission, but sometimes lack of information is deliberate because the person in the know stands to benefit from not putting you in the picture. This happens in many parts of our lives, not the least being when getting auto...
Dont Eat and Drive!
Dont drink and drive makes a lot of sense especially considering the consequences of a DUI charge on your auto insurance policy as well as other aspects of your life. But what about eating and driving? No, sugar high probably wont make you the menace on the road that alcohol will, but it is still potentially dangerous.
In England a woman was fined because she was caught on camera eating an apple while driving. It was considered a distraction as she was clearly driving one handed. I have a...
Mess-up Badly And You Could Lose Your Auto Insurance
Did you know that insurance takes the form of a contract between you and the company that agrees to insure you? Well it does, so you need to be clear what your rights and obligations are. Breaching the contact, consciously or unconsciously, can lead to unpleasant consequences.
When you first obtain auto insurance there is a period of 60 days in some states during which the insurance company can run checks on you to verify the information you supplied. If there is any serious discrepancy...
How To File An Auto Insurance Claim
If you are reading this, I guess it is safe to assume that somehow or another you have been involved in an accident. You will need to get in touch with your auto insurance agent whether or not it is your fault. To give you peace of mind, you need to find out if you are covered. Auto insurance policies do not cover every eventuality; therefore, you need to get the necessary information.
As you work through the process of filing a claim, make sure you keep a record of all documents and everyone...
The Impact Of Drunk Driving Charges On Auto Insurance
Many of us enjoy celebrating on special occasions such as anniversaries, achieving significant milestones or traditional festivities. A convivial atmosphere is created, lots fun and laughter, and along with this goes the consumption of good food as well as wine or beer on many of these occasions. Then there is the drive home.
There is no strict guideline that fits everyone when it comes to deciding how many drinks to have before driving. This is because there are a lot of variables, for...
Insuring Teenage Drivers
Insuring your teenage driver can be an expensive exercise. It is surprising how, suddenly, you find you have a teenage driver on your hands and need auto insurance coverage. You are probably worried about two things: safety and the cost of insurance.
Lets look at safety first. Nowadays, in most states, teenage drivers have to go through a number of steps to get a full license. This is the Graduated Drivers License Program (GDL). It is usually a three stage program. First, the teenage driver...
How Much Does the Cheapest Car Insurance Cost?
Looking for affordable auto insurance and you dont know how to get better quotes? I have some tips for you which could result in getting the affordable auto insurance quotes you always wanted. The financial crisis affects us all and this is a reason for you to start searching for the best quotes you can get for your auto insurance.
First of all, the cheaper car insurance in US is about $25-$30 per month, but it includes only the minimum coverage. You should check all your local providers...
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