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Sunday, 19 June 2011

Factors of Varying Car Insurance Rates

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As we all know there are a variety of factors when it comes to the insurance rates that we get on our cars. I think the main factors for this are location, coverage, record, age and gender. First variable that actually makes a big difference is the location in which the driver has to get the insurance. I have been insured at almost identical times in my life in two different states, Massachusetts and Washington. With almost identical coverage I have got two completely difference pricing on my rates. Being insured in Washington I found insurance for 40 dollars a month. In Massachusetts the minimum I was able to find was around 112 dollars a month, almost 3 times as much as the Washington insurance. I can only assume that this is the same for other states as well. If you are in Texas you are going to get many different rates across the country and outside of the country you are sure to get a variety of different rates.
Another factor that has a big impact on your rates is your driving record. If you have a couple DUI's and speeding tickets you can be sure that you are going to be paying a great deal more than your friends who have had a spotless record for the last 10 years. The thing with these big penalties is that you do not just have to pay for the $3000 DUI fine and attorney fees you are also going to have to pay for your increase in insurance rates for at least the next 10 years.
Another big factor in your insurance rate is amount of coverage that you are getting. This kind of goes without saying but is worth mentioning. Depending on how big your deductible is and the amount of damages you are insured for is going to make a big difference in the total cost of your car. Also another big factor in this is going to be the type of car that you are going to be insuring. There is obviously going to be a big difference between insuring a 1992 Camry that is worth 2000 dollars and a 2011 Ferrari that is worth 200,000 dollars.
The last things that go into the cost of car insurance are the age and gender of the driver. Like it or not if you a 16 year old male you are going to be paying a lot more than a 65 year old female, unless of course the 65 year old female was just given 3 DUI offenses. You can like this or hate this but the truth is that this there is a lot of data that says that if you are a 16 year old male there is a much higher chance that you are going to cause damage to your car. I think that this is one of the smallest factors and the other factors are going to greatly impact the cost of insurance for you and your motor vehicle.



Article Source: http://EzineArticles.com/6346103
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Factors Involved In Choosing Car Insurance

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Choosing the right car insurance company can be quite a burden to an unprepared individual. There are tons of companies to choose from, all of which have many positives and negatives. Car insurance is a legal requirement for any person who chooses to drive, or even own a car. Since it is a legal requirement, it is almost mind boggling how many differences exist between insurance companies. Customer satisfaction, price, and many other factors should play a part in what insurance company a person chooses.
How does a person choose the correct car insurance company for them? There are many factors to consider before a person ever commits to an insurance company. Most importantly, is cost. How much does a policy cost? The cost can vary wildly depending on many factors. Some factors, such as the age of the driver, the number of cars insured, and the models and types of cars insured, heavily influence the cost of insurance. Obviously, younger drivers are typically considered a little more carefree and a little less responsible, so they typically pay more. The model year, type, and condition of the vehicle can greatly affect the cost of insurance as well. A late model, sportier car will cost quite a bit more to insure than an older family sedan.
In addition to cost, customer service is very important when choosing an automobile insurance company. Most companies are generally good when people have to submit claims, but some companies can be notorious for making claim submission painstaking and some companies take their sweet time to send a claim check to the motorist. Sometimes it is better to bend a little on price, to sacrifice a bit, to get excellent customer service. It's a good idea to check with friends, family, and even online reviews to make sure an insurance company has a reputation of good service...but it's a good idea to take online reviews with a grain of salt. Remember, most people don't take the time to praise good service, but are fast to tear down companies when they have even the slightest problem.
Just remember, it is important to find a happy medium between price and quality, and the old saying "A person gets what they pay for" applies even to car insurance. Finding a quality insurance company with a decent premium can take a bit of shopping around, but in the end, it will definitely be worth the initial hassle.
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Article Source: http://EzineArticles.com/6345595
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Car Insurance - The Fun Begins When You Turn 16

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Once a person turns sixteen years old, there is only one thing he or she wants... and that is to get a car. Because, as everyone knows, owning a car is a person's first step towards freedom and independence. On the other side of that coin, however owning a car is also usually a person's first taste of personal responsibility. Once a person gets their license, and is old enough to drive, they need to look into getting car insurance. Car insurance is necessary for everyone who uses a public road, from a person who's had a driver's license for a day, to a person who's been driving for seventy years.
Why is car insurance important? Well, if a person doesn't have car insurance and they get into an accident, their world can be turned upside down. Since insurance is a legal requirement, a person will lose their license as well as pay a hefty fine. In addition, a person driving without insurance opens themselves up to serious liability in the event that they hurt someone or damage another person's property. A person is liable for all damage done to other people, and without insurance, a person can be sued for damages. If they cannot afford to pay cash for damages, then their property can be confiscated and sold to pay for damages. If a person doesn't have insurance, then any and all of their property is at risk in the event of an accident.
How easy is it to get car insurance? Well, it's honestly very easy. Most insurance companies keep up with technology, and have taken advantage of the internet. Almost all companies can give a person a quote online, and most can even let a person register for a policy online. A lot of insurance companies now will even give a person rate quotes from multiple other companies at the same time as theirs so that the playing field stays level and a person feels like they can trust the insurance company.
Car insurance is a 'necessary evil' and any driver needs to have it...no exceptions. Finding and starting an auto insurance policy is relatively easy, and in this time of unlimited, instant connectivity, an insurance policy can be set up and started in a matter of fifteen minutes using the internet. There is no reason not to have insurance and frankly, not having insurance is like playing with fire.



Article Source: http://EzineArticles.com/6345603
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Why You Need Car Insurance And How It Works

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Anyone who has ever been involved in an accident or an incident involving a vehicle can verify that having good car insurance is very important. A lot of people wonder why they would ever need insurance...after all, they're perfect drivers. All it takes is one costly incident for a person to change their tune quickly, however. On top of the fact that driving without insurance is illegal, getting into an accident without insurance can be very, very costly. Even a small fender bender can cause thousands of dollars in damage to each vehicle as well as considerable monetary damage to property around the accident scene.
Car insurance protects people from most liability in the event of an accident. There are liability limits, but for the most part, insurance will cover all damages, minus a driver's deductible. These limits are set by the driver when the policy is created, but for the most part, all damage will be covered in the event of an accident. When shopping for insurance, there are different policies a person needs to consider, though. Liability, comprehensive, and collision are the three main types of insurance coverage, and they all play an important part in protecting a driver.
Liability insurance is the only policy required by law. Liability covers any damage done to other people, vehicles, or property by a driver. It doesn't cover damage done to a driver's own car or property, but liability makes sure that no one else has to suffer financial losses due to neglect or carelessness of the insured driver. All states require that any licensed driver who uses a public road to have liability insurance, regardless of any other factors. Liability insurance covers both the property and medical bills of people involved in accidents with the insured driver.
Collision insurance covers damage done to a policyholder's vehicle in an accident. This is not required on all vehicles, but if a vehicle is financed, it is necessary to have collision insurance. Collision insurance covers any damage done to a person's vehicle, regardless of fault. Typically, the driver sets the deductible anywhere from $0 to $1000 depending on his / her financial situation, and this is all that has to be paid in the event of an accident.
Comprehensive insurance is a catch-all that covers any damage / destruction done to a vehicle outside of a wreck. Storm damage / break-ins / flood damage / etc are all covered by a comprehensive policy. This insurance is not required by law, but can come in very handy if something happens outside of an policyholder's control.
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Article Source: http://EzineArticles.com/6345592
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Car Accident Claims - How You Can Get Money From Insurance

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Car insurance is mandatory in most states in the United States, but this isn't the only reason it's important you purchase it. A single accident could result in thousands of dollars in damage, not to mention medical bills and other fines and having adequate car insurance coverage can protect you from having to pay these costs yourself. However, many people find themselves in a predicament where they get into an accident, make a claim, and despite having what they think is adequate insurance coverage, have to pay for the damages themselves. You can take measures to ensure that your car insurance claims are approved. Firstly, you need to understand exactly what your policy includes or bars, right down to the fine print.
1. Liability:
The basic insurance coverage is liability, which covers third party damages; i.e. if you get into an accident where the other party is at fault, you can receive compensation from his/her insurance company under liability. However, to ensure you receive this coverage, you must pay attention to the following details:
a) Before getting behind the wheel ensure that you are listed and permitted to drive the car by law, and will be covered by your insurance policy even if this is not your own car.
b) Get the other party's complete insurance information immediately after the accident.
c) Collect evidence in the form of photographs and witnesses at the accident site without a moment of delay so that there is no dispute that the other party caused the accident.
While liability may be the minimum required by some states, it is advisable to go the extra mile and get collision, comprehensive, Underinsured Motorist (UIM) Coverage and Uninsured Motorist (UM) Coverage in addition, because liability alone will not pay for damages to your own car or self. Also, if the other party is at fault, but does not have insurance, then you will have to take care of the damages on your own unless you have adequate coverage. This is why some states mandate Personal Injury Protection and/or UIM coverage. Underinsured and Uninsured motorists coverage takes care of damages to your automobile that were caused by another un/underinsured party. PIP covers medical injuries, whether or not you are responsible for an accident. For example, minimum requirements for Pennsylvania car insurance include $5000 in PIP coverage.
2. Comprehensive:
Comprehensive insurance comes into play when your car suffers damages due to something other than another car or stationary object, i.e., that which is not included by collision. However, look closely at your insurance policy, because the fine print may have clauses stating that you will not be covered for damages caused by animals, flood or other acts of God. If your car is stolen, you can claim insurance under comprehensive coverage. But again, your company may deny your claim if you didn't report the theft to the police immediately or left the keys in the car briefly. So look out for such clauses on your comprehensive policy before signing the papers.
3. Collision:
Those whose car insurance coverage includes collision can make car accident claims even if they themselves are at fault. Collision also covers damages caused if you drive into an inanimate object such as a pole. However your claim may be denied if an unauthorized person was driving your car at the time of the accident, if there were more people in the car than there were seatbelts, etc. The way to avoid these eventualities is to understand the limitations of your car insurance, and play by the rules.
There are also several other things to keep in mind to ensure that your insurance company approves your car accident claims:
1. Do not withhold information; in the event of an accident, your insurance company may reject your claim if they discover that you lied to them or withheld pertinent information from them at any point of time while you were insured with them. In such a case, you would have paid insurance premiums for nothing.
2. Keep records of claims, receipts, and all paperwork pertaining to your car insurance.
3. Check with your insurers before making modifications to your car and inform them if you decide to make any; often insurance companies charge extra or refuse to insure certain modifications.
4. Find a reliable, reputed auto insurance company rather than going for the cheapest company in the market. You should feel secure in the knowledge that your insurer has the means and integrity to pay out when you file car accident claims.
5. Do not skimp on your car insurance coverage; you will only be able to file a car accident claim if your policy includes and supports the damages incurred.
If you feel that your claim has been wrongfully denied, you have the option of filing a complaint with your State Insurance Commissioner. Make sure you enclose a written copy of the insurance company's denial in your letter to the State Insurance Commissioner and remember that your insurance company is required to provide you with said written proof.
If you neglect to read your policy properly, are dishonest with your insurance provider, or scrimp on your coverage, you suffer the risk of having to take care of the damages on your own, and in the bargain, having paid regular insurance premiums for nothing. But when you buy car insurance, more than anything else, you're paying for peace of mind and the knowledge that you will not lose everything you're worth in the eventuality of an accident.
Bethany Collins is a mother of two who works from home and lives with her husband. She is voracious reader and always looks out for happening topics related to personal finance. She specializes on subjects related to car insurance and uses her spare time to write on topics related to


Article Source: http://EzineArticles.com/6352804
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Do You Really Need Short Term Car Insurance?

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Short term car insurance is one of those necessary monthly expenses for vehicle owners which can in fact not really be ignored or forsaken. Although we may often question the necessity thereof based upon our impeccable no claim history.
Insurance in general is often given a bad rap because we will often pay and pay and never really see any real benefit from all the premium payments given to the insurance companies, however when the day comes that a claim is instituted and the payout is forthcoming is when we truly realize the benefit of short term car insurance or other types of insurance really.
There are a few important issues when considering short term car insurance that are applicable during the application phase that require mentioning. These include that the applicant must disclose all relevant information in order to ensure comprehensive coverage, as in many countries across the world specific items or situations that are not disclosed within this application phase may result in an insurer declining to pay out a claim at a later stage. Additionally the existence of exclusions on certain policies should also be examined to ensure that you are fully aware of what is covered within the policy and what is not covered - this will allow for complete peace of mind and you will not be faced with any surprises come claim time.
The pricing or premium of the short term car insurance policy or policies will be determined by a number of factors including previous claims, type and extent of coverage of the policy and any optional extras that may be available within the coverage itself. Hence one can elect for a variety of options which have a direct bearing upon the actual payout in the event of a claim. To this end you should consider a number of different scenarios that could occur and the resultant financial impact in the event of a claim, or even without claiming - which will provide the basis of which type of cover is right for you.
Even though you may be contemplating on whether or not to actually get comprehensive or basic short term car insurance, bear in mind that the nature of an insurance claim and the circumstances within which it occurs. Claims are not always as a result of your own cause or even negligence which implies that we have to be prepared for the individual that may cause the accident or occurrence in question, and who may not have insurance. In this event trying to get the money from the individual may take a while and in the meantime you will be sitting without a car or perhaps any transport. Whereas in the case of being insured the claim can be settled, your car repaired or replaced and any claims against the guilty party can be subsequently pursued.
If you are wondering whether or not short term car insurance is necessary or not, the answer is yes to cover you financially in terms of loss of use or damage to your motor vehicle whether anything happens as a result of your actions or that of an external party.



Article Source: http://EzineArticles.com/6319187
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Compare Auto Insurance Prices Online To Save Money

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In the past, people had to make several phone calls or visit several insurance agents in their office to compare their prices. Today it becomes very easy and you can compare auto insurance prices by using an online tool for 24 hours a day. Whether you use traditional or online procedure, wise comparison is very important. Different auto insurance companies offer different prices for same policy and each company offers different rates for different groups. That's why it is very important to compare car insurance prices correctly.
Auto coverage is a contract signed by the insurer and the insured party where the vehicle is insured for a specific sum in exchange for a fixed amount paid, as premium. You have to decide the amount and the duration of insurance at the time of buying it. Insurance may protect you from financial loss after the damage of your auto because of a traffic accident, or theft of your auto. So without wasting your time, compare auto insurance prices online and get the most suitable policy for you.
You may use traditional method to compare auto insurance prices. But online comparison is easier and more effective. There are a number of reasons to compare auto coverage prices online.
If you can compare insurance prices efficiently you can save a lot of money. Insurance companies are constantly changing their rates to be more competitive. They change their prices daily and the average rate may be cheaper in next month. If you use online comparison, you need not to go every insurance agent to find prices for your required policy and it will help you to save your fuel cost.
Online comparison also can help you to save your time. As it takes a few minutes to compare prices of a number of companies, you can save your time easily. You need not spend a lot of time to find prices for your required policy. You just have to fill up one form for one time and then you will get the prices of dozen of leading companies according to your requirement.
Comparing auto insurance prices online is a task that you can do at your most convenient time. You can do it at night time, or during your weekend, whenever you want. This process will allow you to compare prices and purchase a policy 24 hours a day, seven days a week. Always compare insurance quotes online!



Article Source: http://EzineArticles.com/6347297
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