A Source of Cheap Auto Insurance to Get Cheapest Auto Insurance Rates in California, Florida, Ontario, NJ
Do people with red cars really get more speeding tickets than those with blue cars? Do automobile insurance companies use the color of your car to determine your Auto Insurance Rates? Do certain colors increase your chance of an accident and increase your Auto Insurance Premiums?
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The color of my car determines my auto insurance rate. My credit score has no bearing on my insurance premium. I have auto insurance coverage so my new car is already covered… right?
Maybe not! Below is a list of fallacies many car owners believe and drive by each day. The truth just might make you change course.
Myth #10 “No-fault insurance means it’s not my fault!”
False. No-fault insurance means that your auto insurance company pays for your damages regardless of who’s at fault.
Myth #9 “The color of my car affects my auto insurance rate.”
False. The color of your car does not impact your auto insurance rate. What does influence your rate is your vehicle’s year, make, model, body type, and engine size, along with your credit history and driving record. Read more »
You probably know that lenders use information in your credit report to determine if they’ll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or auto insurance coverage and help determine what premium you’ll pay for your auto insurance. Read more »
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN’T change that impact your auto insurance rates: Read more »
Most people complain about the cost of their auto insurance - hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?
If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.
Specific ways to save money on auto insurance: Read more »
Laptop, book money, bean bag chair, TV with DVD player, iPod, cell phone, shower tote and debit card—sounds like your college-bound teen is all set to start school! But are they ready to handle the responsibilities of driving on campus? Sure your teen driver knows how to navigate around your home town, but going to college means driving in an unfamiliar territory—one with more pedestrians, new distractions and new destinations. Auto Insurance and Driving Tips for College-Bound Students and young drivers.
To help make the driving adjustment easier for your teen, we’ve listed some helpful tips for you and your child to consider as they go off to school. Read more »
Between gas prices and the economy, American drivers are having trouble deciding what autos to buy. Many people are exploring alternatives, from bikes, to buses, to biofuels. One auto alternative is hybrid cars. What exactly is a hybrid and how could it lower your auto insurance quotes and you can have a cheap auto insurance?
Gas Mileage and Auto Insurance Quotes. The reason most people want a hybrid is because of the great gas mileage they can get. How is this possible? Technology for hybrid autos varies, but higher fuel efficiency is usually accomplished with an electric motor. Batteries store energy recovered during braking and supply that energy back to the electric motor, cutting down on the amount of gas used. A 2008 Toyota Prius, for example, gets an EPA estimated 46 MPG for combined use, while a 2008 Honda Civic Hybrid gets an EPA combined rating of 42 MPG. Read more »
If you drive, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you’re innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you.
Why buy auto insurance?
1.) Auto insurance protects you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft, vandalism, or natural disasters.
2.) All states require you to purchase at least a minimum amount of liability coverage. Other types of auto insurance coverage may be optional or required, depending on state regulations, but make sure you are getting the best and cheap auto insurance. Read more »
Auto insurance in California can be complicated and confusing. Having a claim can be a painful process, but it doesn’t have to be. Below you’ll find 7 things you SHOULD know about your auto insurance policy and company. Understanding these items can save a lot of money, time and heartache in the long run.
1. How your California auto insurance company determines your car’s value after it’s declared a “total loss.”
Insurers say they use three mechanisms to determine the value of a totaled vehicle: computerized vendor quotes, value books such as Kelley Blue Book, and a market search of the local area. However, the local area isn’t specifically defined and an insurer may be unable to locate a replacement car within your neighborhood. If an insurer finds a replacement car outside of your living area, the valuation can be affected.
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Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident.
Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).
| Bodily Injury & Property Damage coverage: |
| $15,000 person/$30,000 accident/$5,000 property |
| $25,000 person/$50,000 accident/$25,000 property |
| $50,000 person/$100,000 accident/$50,000 property |
| $100,000 person/$300,000 accident/$50,000 property |
| $250,000 person/$500,000 accident/$100,000 property |