This is default featured slide 1 title
This is default featured slide 2 title
This is default featured slide 3 title
This is default featured slide 4 title
This is default featured slide 5 title
 

Monthly Archives: July 2018

When Getting Auto Insurance, the First Thing Most People Do Is Get a Bunch of Quotes

Auto Insurance Quotes comparison should include a few more steps than checking your wallet. First is to get all the information presented to you in order, this means getting accurate quotes in the first place. If you did not give the company your cars make and model as well as your driving record, chances are you were given a ballpark quote that may be a lot more, or less, than you will pay. Often insurance companies give ballpark ranges of their lowest paying customers in order to entice you to join, only to nail you with much higher premiums later.

Getting your insurance quotes on an apple to apple basis can be hard, not all insurance policies are the same. The main factors to compare are bodily injury, property damage, collision coverage and uninsured motorist coverage. Personal injury protection is also favored by many people as it ensures full coverage. Never assume that coverage is the same between companies just because the price is similar. Compare to your existing coverage, or that of a friend to determine the coverage offered is adequate, or insufficient for your needs.

While you glance over a friends policy, ask for their opinion. People are happy to tell you about bad companies, and good as well, ask whom they use and have used. Another test many people use is to call the potential companies claims line, note how long it takes to get a person on the phone. Either hang up or simply explain you are comparing insurance quotes and wanted to see response times of their claims department. If you have one or two companies in mind at this point check their social media websites, this will quickly tell you how their customer service really is; people are very fast to complain publicly if they feel wronged by a large company.

The final check you should do when performing an Auto Insurance Quotes comparison is to check your top choices finical standing. The internet is the fastest place to check the credit standing of a company, but calling customer service can also yield results. A company in poor standing finically, is at a higher risk of dropping your policy or being unable to pay out to you should you need to file a claim. Worst-case scenarios are rare, but they can happen to anyone, always choose coverage for the worst situation, to ensure you are covered no matter what life throws at you.

Auto Insurance Guidelines for Buying a New Vehicle

Shopping for a new automobile is no one’s concern but your own, right? The auto insurance industry begs to differ with another take on the matter.

To those companies that make it their business to tailor each and every policy according to owner usage and model, make and year as well as all the features that go along, guiding the new buyer to an appropriate selection is a matter of passion. The logic behind the fervor boils down to dollars and cents. After all, if consumers purchase the right kind of car, van, truck – the type with built-in protective safety qualities – it stands to reason that accidents will not be as prevalent and the insurance claims that come along with them will also be minimized.

So, what do those that worry about general liability, other losses and damages, and lawsuits, tell the new buyer? Keep safety measures and the modern technology that assists in safe driving at the forefront of your must-have list, they say.

Included among the priorities for consideration are the following:

• Forward Collision Indicator
The front sensors are built to forewarn a driver of an imminent collision so that he or she has the time to brake or steer away from the crash.

• Auto Emergency Brake
The safety measure works in conjunction with the collision indicator by robotically braking so as to evade an accident.

• Lane-Exiting Warning
The warning is activated via built-in cameras that follow your vehicle’s position on the roadway. Once it detects an accidental shift off of the lane, it warns you to stay on track.

• Lane-Retaining Backing
The feature automatically directs your car back into the lines of the lane after it detects wandering.

• Backup Camera
Constructed to automatically activate after you shift into reverse, this feature helps you see at the back of your car.

• Automated Stability Control
The feature assists you in being in control under slippery conditions as well as while driving on curvy roads.

• Blind-Spot Recognition
The feature lights up when another car is in one or both blind spots.

• Adjusting Headlights
The headlights move while the car drives on a curve to assist in motorist visibility.

• Pedestrian Automated Emergency Braking
This warns the driver in the event a pedestrian is in the way as it automatically brakes.

• Collision Warning
This feature alerts local EMS if a crash occurs.

For more on what to look for in car safety, speak to a qualified car dealer or an independent insurance agency.

Car Insurance Estimator – What You Need

Such calculator asks a number of questions; each answer will be used as variable to make quotes and determine the premium fee. The questions can be divided into two main categories including vehicle-related and personal information. Some of the most common questions you see in car insurance estimator are listed as follows:

1. What is your age or birth date?

Age plays a role in the overall estimation. The insurance company considers very young and senior citizens high-risk drivers. The former group probably lack of experience, and there is a high possibility that young drivers break some traffic laws, commit violations such as speeding, etc. The latter group probably has some limitations in terms of vision, hearing, and driving skills, meaning the chance of being involved in accident increases as well.

2. What is your profession?

Car insurance estimator uses drivers’ professions to calculate accident rates. There is a statistic suggesting that certain professions such as doctors, real estate brokers, lawyers, business owners, and salespeople are considered stressful jobs; insurers believe that stressful jobs affect concentrations on driving. Cal insurance calculator may determine higher insurance fee based on this factor.

3. What kind of car you drive?

Car model affects insurance rates as well. Car insurance estimator may treat luxury cars like the more expensive assets to insure. In case of accidents, vandalism, or theft, luxury car is more likely to cost more to repair compared to its cheaper counterparts. Sports car with high top speed and quick acceleration rate is quite risky to insure as well, so insurance companies tend to charge more for such vehicles.

4. How many cars to insure?

The good thing is that the more cars listed in the same insurance policy, the more discounts you probably get. The discount is based on bundling option, so you can be eligible for other discounts if you insure your house, health, and life with the same company as well.

5. What is your address?

Car insurance estimator uses your address to determine if you live in certain area where crime rate is considered high. You have to pay more to protect the car if you live in risky towns.

6. How many violations on your driving record?

Driving record is evidence where DMV lists all previous accidents in which you were involved, traffic violations, and every traffic ticket. The insurance companies uses the data to determine whether you are low-risk or high-risk driver.

Auto Insurance Agents Weigh In on Car Maintenance

According to the insurance industry, owning a car is pretty risky business. From auto repairs, collision hazards to driving habits and more, there’s more than basic or general liability to talk about.

But the pros tell us that putting in just a little bit of thought into everyday things we do with our vehicle can make a whole lot of a difference in any losses or damages to the pocket and otherwise.

Take for instance, the good old auto insurance policy. Have you even read about the actual coverage? Whether you scoot around in a motorcycle or ATV, drive a standard model car or the luxury or classic type, or find yourself behind the wheel of a massive RV or commercial truck, going over your plan with a reliable agency will reveal any gaps that need to be closed and avoiding any heartache in regard to an accident.

Of course, treating your vehicle with a little bit of love and care will go a long way in preventing visits to the local mechanic and the statements that accompany them. To clarify, we’ve created an easy guide to follow.

6 Great Tips from the Trusted Insurance Guys

• Refrain from driving on a low gas tank. Not only will driving this way make your drive far less efficient, it will also lead to compromises on your car’s fuel pump. This in turn can actually create a situation where you will have to get a new replacement and a substantial pain to your wallet.

• Don’t jump the gun when changing shifts. If you drive a car with an automatic transmission and shift to drive as you are backing up, you place a great strain on that poor transmission. Instead, after reversing down your home driveway, place your foot on the brake and then shift into the drive mode.

• If you tend to tailgate, you are a threat on the road. Drive smart by putting the recommended distance between your vehicle and the one in front of you. You’ll reduce the risk of a crash by a large margin. Moreover, because people that tailgate brake at a higher rate than other drivers, avoiding the practice will save you from overusing your brakes and adding wear and tear to them.

• Go easy on your gas pedal. Don’t slam down on it as this will add to the general wear and tear and possibility of more car repair expense.

• If you are one of the many drivers that ignore the parking brake feature, it’s time to reevaluate the function. Relying only on putting your car on park adds unnecessary stress to that standard car part.

• Unload your car from any extra gear in the trunk. If you don’t need the baggage, you are unnecessarily bogging down your vehicle and putting your suspension, brakes and transmission at risk, not to mention the gas mileage.

Benefits of Using Car Insurance Calculator Services

A statistical assessment of the risks tied to a certain person is used as the basis for the premium amount. For individuals who pose a greater risk of becoming involved in a vehicular accident, the insurance company is more likely to spend money in response to a claim. Therefore, these policyholders typically pay a greater premium amount compared to those assessed to be at low risk.

Although two people may have the same type of car and salary grade, they may be paying a different premium for their auto insurance. The amount is determined using a car insurance estimator, which is an invaluable tool for the insurer.

Who is at greater risk?

The owner of an expensive and powerful vehicle pays a greater premium amount than the holder of a lesser model since the former is at increased risk for auto theft than the latter. Car owners who live in areas with higher crime rates are also ascertained to be at greater risk than those in quiet, residential neighborhoods. Meanwhile, new drivers are considered to be at increased risk compared to veteran drivers, and so those with years of driving experience tend to pay cheaper premiums.

Age is another determinant, and older drivers are considered to be at lower risk because they are less likely to be involved in a car accident. The argument is based on statistical data showing that older drivers who have clocked in more time behind the wheel are not as likely to be involved in road skirmishes as younger drivers are.

A car owner who wants to secure his vehicle with an insurance policy can make good use of various online resources available today in getting an estimate of the premium that they would have to pay.

What are the available online resources?

A car insurance estimate is based on current data, and it is a useful tool for car owners who want to find the best policy and one that they can afford. There are reliable websites offering car insurance calculator services online. These sites base their estimates and calculations on car insurance monitoring software that collect and analyze data. The wealth of information available from these sites can help people who are considering buying an auto insurance policy. For instance, current data on the average premiums paid by different groups can be accessed. Being given an idea of how much they need to pay for car insurance empowers a car owner in making a choice.

Finding the right coverage

Having the right kind of insurance is a security blanket for car owners. Comprehensive car insurance could definitely save people money. These days, there are smart policy options available so that a car owner can easily find a coverage that is tailor fit to his needs.

How to Prevent a Deer/Auto Crash

All seems fine and dandy as you cruise along the county road or highway on your way home from everyday business as usual. Then, seemingly out of nowhere, a deer sprints into middle of roadway. There is no time to stop or slow down. You know it is coming. You see it is coming. You panic, but there is literally nothing in your human power to do. Then, the thud of the animal and crunch of the impact against your car you expect tells you that the worst has occurred. Shaken, you check yourself for any injury. Miraculously, you’ve escaped this accident without getting hurt. Not a single scratch. Your vehicle and the deer, however, have succumbed to the inevitable losses and damages: the deer lies dead and your car is what the insurance companies describe as ‘totaled’.

Undeniably, this collision could have resulted in far greater general liability and other damages. Nonetheless, you will definitely be filing an auto insurance claim through your insurance agency. Thankfully, all those premium payments you have dutifully been submitting have come around to your benefit: you have good coverage under your particular policy and you will be protected by it.

“How could this actually have happened to me?” you wonder incredulously.

According to government officials, the disturbing experience can happen to anyone! Oftentimes, wild deer leave the adjacent forest or wilderness to roam the roadside. And it’s not too unusual for them to jump into the danger that oncoming traffic presents. If a car has its headlights on, the deer crossing the roadway can become mesmerized and statue-like. With no other recourse, oncoming cars collide into the animal. As it seems, both are victims.

With the proper care, though, motorists can avoid risky confrontations with deer (and other big forest animals).

Four Points to Avoid an Auto – Deer Accident

• Motorists are most prone to meet up with a deer during the poor visibility hours between dawn and dusk; drive exceedingly carefully at this time.

• Official statistics say the majority of deer collisions occur in October, November and December – the pre-breeding juncture.

• If you spot a deer positioned at the roadside, slow down and drive very, very carefully; deer can abruptly change route and run into traffic flow.

• Look out for and pay close attention to deer crossing symbols and markers: the reason they are placed there is because there have been deer incidents at the site.