Car Insurance Rates Guide | Get Car Insurance Help

RSS Feed Homepage

Articles: 1, 2, 3, 4, 5

Low Rate Car Insurance - Do I Need Gap Insurance?
2006-11-11 17:15:02
GAP insurance is designed to provide insurance protection for new cars that are being financed. If a car were to be stolen or totaled in an accident, Gap insurance will pay the difference between the cash value of the car and the current outstanding balance on your auto loan or lease. When a new car is driven off the lot, it depreciates quite a bit. If your car were stolen a week later, your insurance company would pay what the cash value is on the car, not what you paid for it the previous week. Because of depreciation, this cash value would be quite a bit lower than what you paid and you would be stuck paying off the difference. That’s where Gap car insurance comes in. Typically, Gap insurance covers accidents and thefts but it’s wise to check with your agent and make sure, because as we know, all policies are not created equally. Find out if it covers fire, tornado, vandalism or any other concerns you may have. Gap insurance is not required when you buy a policy for y...
More About: Insurance , Car Insurance , Need , Rate

Low Rate Car Insurance - The Cost of Insurance Fraud
2006-11-11 17:15:02
One of the main reasons car insurance is so expensive is because car insurance fraud continues to be a major issue. It’s reported that over 11 billion dollars are spent on fraudulent cases each year. But how do criminals get away with it and how can you tell if you’ve been a victim? There are many ways in which car insurance fraud can be perpetrated… One of the most popular is what’s called “staged accidents”. This is an accident in which a team of two drivers intentionally run into you in a way that catches you by surprise and is done in a way that is almost impossible to stop if you don’t recognize it as it’s happening. Usually, the first driver will move in front of your vehicle and as they slam on their brakes attempting to have you run into them, the second drive will have pulled along side you, pinning you in so you have no option but to ram the car in front of you or hit the second driver’s car. More often than not, the te...
More About: Insurance , Fraud , Car Insurance , Cost , Frau

Low Rate Car Insurance - Should I Add Emergency Roadside Ser
2006-11-10 05:09:03
When you sign up for car insurance, one of the options you normally get is whether to add emergency roadside service to your policy. The service doesn’t cost much so the majority of policyholders feel like it’s a wise decision to add this to their policy. But before you do this, find out from your agent exactly what is covered under your plan and what drivers in your family will be covered. Virtually all insurance companies offer this service as an extra. It’s a service that provides roadside assistance in case of an accident, broken down vehicle, flat tires, keys locked in car, if car needs a jump-start, out of gas and more. It’s a very convenient service to have because there’s only one phone number to call, you normally get immediate attention, and most services are there for you 24 hours a day, 7 days a week. Is this type of insurance worth the price you pay? We highly recommend that you have a roadside assistance program. Whether it’s the one...
More About: Insurance , Car Insurance , Should , Side , Road

Low Rate Car Insurance - Comprehensive vs. Collision vs. Lia
2006-11-09 23:09:01
There are lots of phrases thrown around when discussing what type of car insurance coverage you should get and what is required. Here are three terms that are very common and their definitions:  Comp rehensive Insurance Coverage: This type of insurance covers damage to a vehicle, which is caused by an event other than a collision or overturn. Examples might include fire, theft, vandalism or other losses that are not the result of a collision as stated in the policy. A deductible can apply depending on the policy. This type of coverage is typically optional but highly recommended. Collision Insurance Coverage: This type of insurance covers most losses to the insured person?s own car caused by its collision with another vehicle and/or an object. Collision insurance will pay to repair or replace your car after an accident or collision. It is especially valuable when an accident occurs with an uninsured vehicle. A deductible can apply depending on the policy. Like Comprehensive coverage,...
More About: Car Insurance , Sion , Rate

Low Rate Car Insurance - Buying Car Insurance for the First
2006-11-09 11:06:03
When a person purchases car insurance for the first time, there are a few general guidelines that should be followed. First , there is a minimum legal driving age, typically it’s 16 but check your state DMV to make sure what the age is in your state. The driver must also have a valid drivers license and have a vehicle registered in their name.From there, it’s time to get in touch with an insurance agent and purchase an insurance policy. Be prepared to answer a lot of questions. The following is a list of typical questions you will be asked: What is your home zip code? How many vehicles do you wish to insure? What type of residence do you live in and do you own or rent? What’s your date of birth? What’s your age? What’s your home address? How long have you lived at this address? Will the vehicle being insured be kept at this address? Who is the vehicle registered to? What’s your marital status? What’s the highest level of education you’...
More About: Buying , Insurance , Car Insurance , Rate

Low Rate Car Insurance - Geographic Location and Car Insuran
2006-11-09 05:03:02
Yes, where you lives matter when it comes to how much you pay for car insurance rates. Most people understand that things like driving record, claims history and the type of car you drive is factored into your policy price but most don’t know that location also plays a part. When you think about it, much of it is logical. If you live in a city and your driving takes place in a more congested area, you insurance will more than likely be higher because your chance of getting in an accident is higher. The more traffic, the higher the policy. Also, if you live or work in a high crime area, your chance of vandalism or theft is higher as well, hence, a higher policy rate. What type of weather you have in the location you live may also play a part. If you live in an area that experiences extreme weather often, it’s possible your rates could go up, not only because of possible damage to your car but also driving conditions. So is there a difference from state-to-state? Yes there...
More About: Insurance , Cat , Car Insurance , Location , Graphic

Low Rate Car Insurance - Car Insurance Requirements in the U
2006-11-08 17:03:01
Each state in the United States has a different minimum requirement as to how much insurance a driver is required to carry. Below is a list of all states in alphabetical order and their minimum policy requirements. The first two numbers listed after the state refers to bodily injury liability limits and the third number, to the property damage liability. For instance, if the numbers were 15/30/10, it would mean that if you were in an accident, each person injured could receive up to $15,000 with a total amount allowed for all people injured of $30,000 (the second number). The third number, $10,000, refers to the total coverage per accident for “property” damage. Alaska 50/100/25 Alabama 20/40/10 Arkansas 25/50/15 Arizona 15/30/10 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 Florida 10/20/10 Georgia 15/30/10 Hawaii 20/40/10 Idaho 20/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Ma...
More About: Insurance , Car Insurance , Men , The U , Rate

Low Rate Car Insurance - Does Car Insurance Cover the Car or
2006-11-08 17:03:01
One question that most drivers don’t know is does my insurance policy cover me or does it cover my car? The answer is “yes”. In some situations, it may actually do both, it’s important that you consult your insurance agent on this matter to find out for sure and under what circumstances you are covered. Also find out how your specific policy works if you were to rent a car. The large majority of the time, however, car insurance is tied to the automobile, not the driver. The rate you receive is partially based on the primary driver of the vehicle and partially based on the car that is driven the majority of time by that driver, but the car is typically what is covered. For instance, if you were to give “permission” to a friend to borrow your car, and that person was to get into an accident, typically, your insurance would have to pay for the claim, not their insurance. And if your friend is at fault, it’s important to know that your insurance...
More About: Insurance , Car Insurance , Cover , Over , Rate

Low Rate Car Insurance - Drunk Driving and Car Insurance Rat
2006-11-07 05:00:02
Car insurance companies are putting the heat on drunk drivers. Insurance companies are not allowed to deny insurance coverage for a number of reasons like race, religion, age and occupation but they can cancel your policy for driving related issues like drunk driving or DUI. Typically when you get convicted of a DUI, the insurance company will either issue higher rates, apply a nonrenewal tag to your policy or just cancel it altogether. If you get labeled as a high-risk driver, which typically happens if you get a DUI, you will more than likely need to file proof of insurance for 3-5 years at your DMV. And if your license gets suspended, you’ll need to get special paperwork from your insurance company and provide that to the DMV as well. If your policy gets cancelled, your insurance company is required to send you a letter stating so and why. At this time, you will need to find another car insurance company during the cancellation period, which can be very tough and expensive....
More About: Driving , Car Insurance , Drunk , Drunk Driving

Low Rate Car Insurance - How to Increase the Life of Your Ca
2006-11-06 22:57:02
Depending on who you ask, the average life of a car is anywhere from 100,000 to a 150,000 miles, which on average covers about 10-15 years according to statistics. Of course there are many variables which can affect length of life including how hard you drive your car, quality of workmanship, location and weather, what kind of mileage you put on your car (highway vs. city driving), and more. Some of these things you have control over, others you don’t. But there is one pro-active step you can take that will almost always increase the life of your car over the long haul and that’s to focus on better preventative maintenance. Here are some maintenance tips and suggestions: Check your engine oil, transmission fluid, brake fluid, coolant levels and tire pressure at least once per month. 3,000 - 5,000 miles: Change engine oil and filter, get chassis lubricated and inspect all belts and hoses. 6,000 miles: Have your suspension checked and have your tires inspected, rotated and...
More About: Life , How To , Insurance , Car Insurance , Your

Low Rate Car Insurance - To Wear, or Not to Wear Motorcycle
2006-11-06 04:54:02
Riding motorcycles can be an absolute blast. The acceleration rush, the excitement, the freedom can all be exhilarating. But, riding a motorcycle has always been much more dangerous than riding in a car. No seat belts, no air bags, no steal cage around you and no crumple zones. That is the main reason most people prefer riding in automobiles versus motorcycles. Because of the vulnerability of the motorcycle rider, helmets are always advised and in most places, it’s a must by law. It can be cumbersome at times but what’s more important…being a little uncomfortable, or the potential of having your brain scrambled as it hits the pavement. Statistics show that riders wearing helmets are much less likely to be seriously injured than ones who ride without helmets. Helmets should be worn correctly and should fit your noggin properly. Wearing a well-fitted helmet is not only important for comfort; it needs to fit securely if it’s going to work the best at protecting ...
More About: Insurance , Motor , Motorcycle , Car Insurance , Cycle

Low Rate Car Insurance - Frontal Air Bag Safety
2006-11-05 16:51:04
Frontal air bags have been standard equipment in all vehicles since the late nineties. Based on how severe an accident is, frontal air bags are designed to rapidly inflate for the purpose of preventing the occupants sitting in the front seats from colliding with the steering wheel, dashboard and windshield. Some people unfortunately believe that if they have frontal air bags in their car, they can take a more lackadaisical attitude regarding the wearing of seat belts. This of course is foolish logic because air bags were designed to be effective only “when” passengers are wearing seat belts. In addition, wearing seat belts will protect you in rollovers, side-impact and rear-end crashes whereas frontal air bags will not. Also, and this is VERY important, people who are not wearing safety belts can be seriously injured if they are too close to an air bag when it is released. To help reduce the risk of injury when a frontal air bag is released, follow these helpful tips: A...
More About: Safety , Insurance , Car Insurance , Front , Safe

Low Rate Car Insurance - New Collector Car Insurance in the
2006-11-04 04:48:02
According to Easier News and Classifieds (easier.com), Hagerty International, a specialty insurance company, has said that insurance rates developed specifically for the 2006 London to Brighton Veteran Car Run in early November, are now being made available to all owners of veteran and vintage cars in the UK. In January of 2006, Hagerty International and Allianz Cornhill launched a partnership, forming the UK arm of the Michigan-based Hagerty Insurance Agency, the largest collectors car and boat broker in the world. John Border of Allianz Cornhill states, “We have a long history of writing classic car insurance, and are now able to serve a wider and more specialised market.” Angus Forsyth of Haggerty International concludes, “We have established one of the few true collector car specialists in the UK. Britain is a veritable hotbed of classic car collectors and we are offering them the best premium rates for the most comprehensive policy.” So, if you’re ...
More About: Car Insurance , Rate , Coll , Collector

Low Rate Car Insurance - Car Insurance Rates to Drop in Cana
2006-11-03 22:45:01
With inflation, each year prices continue to rise in all segments of life including car insurance rates. Recently though, according to a recent press release in The Daily News (hfxnews.ca), some people in Nova Scotia, Cana da could be seeing a drop in their car insurance rates. According to the release, five insurance companies have applied to lower their passenger vehicle insurance rates. Reduction in rates are expected to be between one and nine percent. The decision on whether to approve the reductions is expected by the end of the year. The companies applying for the reduction in car insurance rates include Allstate, Aviva, Axa, Pembridge, and Traders General. According to Don Forgeron, Atlantic vice-president of the Insurance Bureau of Canada, “The government reforms instituted back in 2003 have worked very well. These filings are simply a continuation of a trend that started back then.” Mr. Forgeron states that “…the recent history indicates that the ref...
More About: Car Insurance , Rates , Rate

Low Rate Car Insurance - Safety Ratings: Audi
2006-11-03 10:42:01
Because car insurance rates and premiums take into account the safety rating of vehicles, we continue the series of listing various safety ratings of vehicles. Today, we’ll look at various Audi Models. See legend below table for rating meanings. Vehicle Front Crash Ratings Side Crash Ratings Rollover Ratings Driver Passenger Front Seat Rear Seat 2-Wheel Drive 4-Wheel Drive 1991 Audi 100 4-DR. 5 4 NR NR NR NR 1990 Audi 100 4-DR. 5 4 NR NR NR NR 2006 Audi A4 4-DR. w/SAB 4 4 5 4 NR 4 2005 Audi A4 4-DR. w/SAB 4 4 5 4 NR 4 2004 Audi A4 4-DR. w/SAB 4 4 5 4 NR 4 2003 Audi A4 4-DR. w/SAB 4 4 5 4 NR 4 2002 Audi A4 4-DR. w/SAB 4 4 5 4 NR 4 1997 Audi A4 4-DR. 4 5 NR NR NR NR 1996 Audi A4 4-DR. 4 5 NR NR NR NR 2004 Audi A4 Avant 4-DR. w/SAB 4 4 NR NR NR NR 2003 Audi A4 Avant 4-DR. w/SAB 4 4 NR NR NR NR 2002 Audi A4 Avant 4-DR. w/SAB 4 4 NR NR NR NR 2007 Audi A4/S4 4-DR. w/SAB 4 4 5 4 NR 4 2007 Audi A4/S4 Avant Wagon 4-DR. w/SAB 4 4 5 4 NR 4 1997 Audi A6 4...
More About: Safety , Insurance , Car Insurance

Low Rate Car Insurance - Preparing Your Teens to Drive (Part
2006-11-03 04:39:01
Step 8: Auto insurance. Most teenagers are oblivious as to what car insurance is and how it works, what it costs, and the fact that they are legally required to carry it. It’s up to you who will pay for insurance but we highly recommend that you have your kids in some way pay for all of it or part of it. I don’t know of too many teenagers who, when they find out what happens to insurance rates if they were to get a ticket or get in an accident, won’t drive a little more cautiously knowing that it’s their money that’s paying for it. When they have a stake in it, they tend to drive a little more cautiously. You can even use insurance premiums as a consequence to bad driving. For instance, you can tell them that you’ll pay for half of the premium “as long” as they don’t get a ticket or in an accident. If they do, they will be paying full price. Step 9: The Drive r’s permit. Describe what happens with the driver’s training...
More About: Teens , Insurance , Car Insurance , Your

Low Rate Car Insurance - Preparing Your Teen to Drive (Part
2006-11-02 16:36:01
Hard to believe but it’s time for your teenager to learn how to drive. Remember the time when you first drove a car, either with your parents or alone for the first time? A great feeling of power, independence and freedom. A status symbol with your friends. A chance to take more control of your life. Now it’s your teenager’s turn. Scary, isn’t it? Oh how the time flies. Can your child really be old enough to drive? Ready or not, hear it comes! From a parents perspective, driving is quite different now than it was when you first sat in front of a steering wheel. As parents, we have the experience and knowledge of what it takes to be a good driver and the costs and responsibility involved. Something none of us had at that age when we first learned how to drive. You’ve read about teen driving statistics and traffic violations. From the seemingly trivial parking ticket, to the deaths from reckless driving. How do you communicate what it takes to be a respon...
More About: Insurance , Car Insurance , Drive , Your , Ring

Low Rate Car Insurance - Preparing Your Teens to Drive (Part
2006-11-02 16:36:01
Continuing our three-part series on preparing your teenagers to drive…  Step 3: A physics lesson. Tailgating is the most dangerous and selfish act that most drivers take for granted. They not only put themselves at risk but also other drivers, especially the cars they’re tailgating. Teach your teenagers about reaction time and how fast or slow it takes you to hit the brakes and stop when going different speeds. Teach them if they happen to look down or away for a moment, how far the car will travel during that moment…or more. Teach your girls the dangers of putting makeup on while they’re driving or rummaging through their purse. Step 4: Cell Phones. We recently wrote a short article on the dangers of driving while talking on a cell phone. You can read it here (cell phones and driving). Step 5: Parking the car. The best thing you can do is take your teenager to an empty parking lot at night and go over everything it takes to parallel park. Parking uphill, dow...
More About: Teens , Insurance , Car Insurance , Drive , Your

Low Rate Car Insurance - Driving Tips for Bad Weather
2006-11-01 04:30:03
As we head towards the end of the year and winter weather, it’s always a good idea to refresh ourselves, or educate ourselves for the first time, on the best way to handle extreme weather conditions when driving. If you’re driving on ice or snow… keep your speed steady and at a manageable rate. But don’t drive so slow that your car could get stuck in the snow. When driving, always leave more distance between you and the car in front of you. When slowing down or stopping, try not to brake abruptly, your brakes could potentially lock up and you could lose steering control. In a manual car, be careful about downshifting when going down hill. If you hit an ice patch when down shifting, your tires could lose their grip on the road. Try and keep all windows clear and frost-free. Put a coat of silicon spray or similar on your windows to help coat them. Make sure your windshield wipers are in good shape as well and always carry an ice-scraper for your windows just i...
More About: Weather , Insurance , Driving , Car Insurance , Tips

Low Rate Car Insurance - How to File a Car Insurance Claim
2006-10-31 22:27:01
When you get into an auto accident or your car has been vandalized or broken into, here are the steps that need to be taken: Do your best to stay calm. Whenever you’re in an accident, emotions can run high as well as adrenaline so try and stay as level-headed as possible. Determine if anyone is injured. If so, immediately call for medical help. Determine the extent of damage to the automobiles involved. If your cars are blocking traffic and can be moved to the side of the road, do so. If they are not blocking traffic, it is best to leave the cars where they are until the police can get there.  Call the police. You need to file a legal accident report with the police. No matter how small the accident, do not leave the scene until the police arrive and an official report has been filed. All parties involved should stay there until the police get there. If the other party tries to make a run for it, try and get their license plate information and any other particulars about the ...
More About: How To , Insurance , Car Insurance , File , Rate

Low Rate Car Insurance - Cars That Are More Affordable to In
2006-10-31 04:21:02
Last week, we listed some cars that offered low rate car insurance based on model. We did some more extensive research and found these cars also offered a solid value insurance-wise: ACURA 3.2 TL 3.5 RL MD-X BUICK Century Le Sabre Regal CADILLAC Eldorado CHEVROLET Astro Avalanche Cavalier Express Van Impala Malibu LS Suburban Tahoe Tracker CHRYSLER Prowler Town and Country DODGE Caravan Sport Durango Grand Caravan EX & Sport Intrepid FORD Escape Escort Excursion Expedition F-Series Pickup Ranger Taurus Windstar GMC Envoy PU Sierra PU Sonoma Safari Savana HONDA Accord CRV Odyssey Passport LX Pilot HYUNDAI Santa Fe Sonata ISUZU Rodeo MAZDA 626 Miata MPV PU B-Series Tribute MERCEDES-BENZ S430 CLK 320/430 ML SLK 230 MERCURY Grand Marquis Mountaineer Sable MITSUBISHI Montero Sport NISSAN Altima PU Frontier Series Maxima GLE Pathfinder Quest Xterra OLDSMOBILE Aurora Bravada Intrigue Silhouette PONTI...
More About: Cars , Ford , Insurance , Car Insurance , Hat

Low Rate Car Insurance - Collectible Car Insurance Coverage
2006-10-31 04:21:02
If you want to insure your collectible or vintage car, from antiques to modifieds, hot rods to kit cars, you will need to get “specialty” insurance. Many of the big name companies offer it, either themselves or broker another company which specializes in this type of insurance coverage. These types of cars are not your standard automobiles and that’s why specialty insurance coverage is so important. Here are the types of cars that normally need collectible car insurance: Antique Cars Classic Cars Custom Cars Exotic Cars Hot Rods Kit Cars Modified Cars Muscle Cars Replicars Woodies This type of insurance also covers various foreign and domestic sports cars. The definition, with regard to insurance, of a classic car is one that is least eleven years old and in outstanding condition. Hot rods covered are usually cars that were made before 1950. For more detailed information, please check with your car insurance company.  car insurance company rates car in...
More About: Insurance , Car Insurance , Rage , Cover , Over

Low Rate Car Insurance - Should I Ever Buy Rental Car Insura
2006-10-30 16:18:02
Many rental car companies have a number of insurance policies they would love to have you sign off on. Under the right circumstances, one of their policies might benefit you. But what they don’t typically tell you is that you may not need one of their insurance policies if in fact you have car insurance coverage from your own company. Typically when you rent a car, the car insurance liability coverage you have remains in effect on the rental car, as does comprehensive and collision coverages. But before you say yes or no to rental insurance, it’s wise to double-check with your insurance agent first and find out if you would be covered and under what circumstances that coverage would be in effect. Let your agent know the company you’re renting from, the type of vehicle you’ll be driving, where you’ll be traveling (out of state?), and who will be driving the vehicle. Before you rent a car, you should understand what charges you would be responsible for if...
More About: Insurance , Rental , Car Insurance , Ever , Should

Low Rate Car Insurance - Safety Ratings: Acura
2006-10-28 23:09:03
Because car insurance rates and premiums take into account the safety rating of vehicles, we thought we would begin a series listing various safety ratings of vehicles. These ratings will not be posted every day but will be posted randomly in the coming weeks. Today, we’ll look at various Acura Models. See legend below table for rating meanings. Vehicle Front Crash Ratings Side Crash Ratings Rollover Ratings Driver Passenger Front Seat Rear Seat 2-Wheel Drive 4-Wheel Drive 2006 Acura MDX 4-DR. w/SAB 5 5 5 5 NR 4 2005 Acura MDX 4-DR. w/SAB 5 5 5 5 NR 4 2004 Acura MDX 4-DR. w/SAB 5 4 5 5 NR NR 2003 Acura MDX 4-DR. w/SAB 4 4 5 5 NR 4 2002 Acura MDX 4-DR. w/SAB 5 5 5 5 NR 4 2007 Acura RDX 4-DR. w/SAB 5 5 5 5 NR 4 2007 Acura RL 4-DR. w/SAB 5 5 5 5 NR 5 2006 Acura RL 4-DR. w/SAB 5 5 5 5 NR 5 2005 Acura RL 4-DR. w/SAB 5 5 5 5 NR 5 2004 Acura 3.5 RL 4-DR. w/SAB 4 4 4 4 4 NR 2003 Acura 3.5 RL 4-DR. w/SAB 4 4 NR 4 4 NR 2002 Acura 3.5 RL 4-DR. w/SAB 4 4 NR NR ...
More About: Safety , Insurance , Car Insurance

Low Rate Car Insurance - Questions a Car Insurance Agent Mig
2006-10-28 05:06:02
When applying for car insurance coverage, be prepared to answer a lot of questions. To help you in your preparation, here’s a list of questions that are most frequently asked when applying for car insurance coverage: What is your home zip code?  How many vehicles do you wish to insure?  Number of drivers that currently live with you?  Number of drivers that you want to have on this quote?  What type of residence do you live in and do you own or rent?  Date of birth of all drivers?  Do you currently have car insurance? If so, what type?  What company is your policy with?  How long have you been insured with this company?  What’s the expiration date of your current policy?  What’s your current coverage (liability limits)?  What’s your age?  What’s your home address?  How long have you lived at this address?  Will the vehicle being insured be kept at this address?  Who is the vehicle being insured, registered to?  What’s your marital status?  What&#...
More About: Agent , Insurance , Question , Questions , Car Insurance

Low Rate Car Insurance - Tire Safety and Longevity Tips
2006-10-28 05:06:02
According to the NHTSA (nhtsa.gov), maintaining proper tire pressure is the most important part of managing a car’s tires. Here are some more safety tips as well as tips to help reduce annual wear-and-tear on your tires:   When driving on a rough or worn road, slow down if you have to go over a pothole or a damaged portion of road. Do your best not to run over a curb when driving and try not to hit or rub up against a curb when parking. Check tire pressure on all four tires about once per month including your spare tire. If you’re going on a trip, make sure you check the pressure before you go. When checking tire pressure, it’s better to do on a cooler day because of expansion. It is extremely difficult to tell just by looking if your tires are properly inflated so purchase an accurate tire pressure gauge. Inspect your tires for uneven wear-and-tear on the treads. This includes cracks or splits, damage to the sidewalls, etc. Remove bits of debris that is jammed dow...
More About: Safety , Insurance , Car Insurance , Tips , Longevity

Low Rate Car Insurance - How Your Credit Can Affect How Much
2006-10-27 11:03:01
Your credit history can affect many things but did you know in some states, car insurance companies may factor in your credit score when calculating your premium? That’s right, your credit history can affect what you pay for car insurance and in the worst case scenario, you may even be denied coverage. But how can a low credit score make a premium rise, even when a driving record has stayed clean? Aren’t things like a driving record, age of the driver, type of car you drive, and amount you drive the only things really taken into consideration? The answer is no. Bottom line, a poor credit history means a person may not be responsible so most car insurance companies factor in credit when calculating the premium. Car insurance companies believe that the better your credit history, the more likely you are to pay your insurance premiums, and pay them on time. There is also a trend that indicates if you have a better credit score, you’re less likely to file a claim. High...
More About: Credit , Insurance , Car Insurance , Your , Edit

Low Rate Car Insurance - Have You Seen My Keys?
2006-10-26 23:00:04
One of the major ways cars get stolen nowadays is by using the owners keys. The main reason this happens is homeowners don’t take care of their car keys often enough. Car key theft continues to grow because automobile security has increased, especially over the past few years. The main way thieves get your keys? From right under your nose. Thousands of cars each year are stolen by thieves who break into people’s houses and lift them. Most thefts are of keys that are in plain view, either through a window or open door. Quite often, the daring thief just walks in and out very quickly, through an open door or window, grabbing the keys, and is gone before you can say “honey, have you seen my keys”? There are precautions you can take to reduce your risk of having your keys stolen from your own house: Keep your cars locked at all times, whether in the driveway or even parked in the garage.  Make a habit of keeping all exterior doors locked whenever possible, espec...
More About: Insurance , Car Insurance , Have , Keys , Rate

Low Rate Car Insurance - Tips to Protect Your Car
2006-10-26 23:00:04
To help prevent your car from being stolen, here are a few tips and suggestions: Have a “visible” device or alarm that alerts thieves when they look into your vehicle. Devices include steering column bars, brake locks, tire locks, ID markers on the car, window etchings in a visible place, audible alarms, steering wheel and/or brake locks, and wheel locks. Anything a thief sees may help deter them from stealing your car. Another deterrent is having an immobilizing device hooked up to your car. These devices can prevent thieves bypassing your ignition and hot-wiring your vehicle. Devices include kill switches, smart keys, starter or ignition disablers and gasoline or fuel disablers. If your car does get stolen, take note of the time of day you last saw your vehicle and where it was parked, what was in the car, etc. Then you’ll want to first notify the police, and next, your auto insurance agent. In most states, you have about 30 days to file a claim when it comes to ...
More About: Insurance , Car Insurance , Tips , Your , Rate

Low Rate Car Insurance - The Use of Cell Phones While Drivin
2006-10-26 23:00:04
Everybody knows what it’s like to be behind a driver who is distracted by something. It can be frustrating, stressful and flat out dangerous. According to the U.S. Department of Transportation, inattentive driving accounted for over six percent of crash fatalities in the past few years, and many more non-fatal accidents. This includes talking to fellow passengers, eating food, women putting on their make up while driving, parents attending to their children and the use of cell phones and wireless devices. Many countries have taken action. According to research, the following countries either restrict or fully prohibit the use of cell phones and/or wireless devices while driving: Australia, Austria, Belgium, Brazil, Chile, Czech Republic, Denmark, Egypt, Finland, France, Germany, Greece, Hungary, India, Ireland, Israel, Italy, Japan, Jordan, Malaysia, the Netherlands, Norway, the Philippines, Poland, Portugal, Romania, Russia, Singapore, Slovenia, South Africa, South Korea, Spa...
More About: Phone , Insurance , Cell Phones , Cell Phone , Phones