This is one of those mythical questions motorists often ask. There are many factors that affect auto insurance rates and this isn’t one of them. The answer is the same for a question like what color cars are cheaper to insure. Its shade has nothing to do with how much premium you pay. You need…
Continue readingGeneral Discussions
Car insurance isn’t the only topic discussed on this site. You will find plenty articles on driving, safety and anything related to vehicle ownership. You can also get quick quotes.
What Is an Auto Insurance Premium?
When it is used in relation to auto coverage, definition of the word is different than its use in a normal conversation to mean superior or additional amount to be paid due to high demand. In that sense, Premium is the price of a car insurance policy. In other words, it is an income for…
Continue readingFinancial Responsibility Laws for Motor Vehicles
No matter how good a driver you are there is a chance that you could cause an accident in which people gets injured or suffer property damages. In the light of this possibility, every state wants to make sure that motor vehicle owners make some sort of provision to pay for such losses. The easiest…
Continue readingGap Insurance Refund
Guaranteed Auto Protection is a valuable debt-cancellation tool although often referred to as insurance. Its purpose is to pay the difference between actual cash value of the car and outstanding loan on it in case the insurer totals it after it is damaged by a listed peril. It can be a valuable protection especially in…
Continue readingDoes Bankruptcy Affect Car Insurance?
The relationship may not be obvious but being poor affects premiums indirectly. The indicator that gives away the position is credit history. And insolvent people are likely to have terrible scores once the facts are registered by the agencies that keep records. Being declared insolvent will tank your score and it will in turn affect…
Continue reading10 Most Scenic Driving Routes in the USA
It is a quintessential American past time to simply hop in the car and hit the open road. Millions of motorists start journeys during the summer months to appreciate the beautiful vistas, get away from the city and simply enjoy life. There can be a darker side to it that many may not even think…
Continue readingWhere Are the Best and Worst Drivers in the USA?
Sometimes you could be the absolute most careful driver and still get into an accident because of others around you are careless. There are certain areas that qualify for the worst and best and it is a good idea to have a look at for any pattern. Although the statistics and places listed below do…
Continue readingCar Insurance for Disabled Drivers
Legally, auto insurers cannot discriminate against handicapped motorists. However, there may be other reasons why they may have to pay higher premiums. Let’s have a look at the costs and complications. According to the CDC (Center for Disease Control) in the U.S., there are 75.4 million Americans that suffer at least one basic function difficulty…
Continue readingPedestrian Safety Tips & Resources for Kids, Seniors & All
Pedestrian injuries and deaths are alarmingly high especially among kids, teenagers and seniors. Today there are many mobile devices and related distractions to take into account as well. These devices can cancel some of the senses we need to keep us on guard. Teenagers may be watching cell phones rather than the road or bikers…
Continue reading10 Safer Night Time Driving Tips & Resources
There is only quarter of the usual day time traffic at night but nearly half of all traffic related deaths happen at night. Having less traffic on the road should not be seen as an invitation to step on gas. In fact, you should be extra careful because you cannot judge the depth and distance…
Continue readingWho Would Have Thought Older Drivers Like Hip cars?
Hopefully, self-driving cars will be fully functional and on the road when I am old and not confident with my reflexes and eye sight to drive. Wouldn’t it be great to call the car, tap in the instructions and sit at the back seat to watch a movie? You would feel like you are worth…
Continue readingIs Investing in Classic Cars a Good Idea?
We regularly hear a single rare car sold in an auction for millions of dollars. And this notion of finding these unique automobiles at bargain prices and selling for a huge profit may enter our minds. At the end of the day, if we could hit big with one of the cars we bought all…
Continue reading10 Must Have Free Driving Apps for Motorists
The recent developments in technology have brought a myriad of opportunities and interesting solutions that have transformed the way we do things. One of those new tools is the cell phones. We rely on them in every step and cannot do without them. They are no longer just devices to make calls. They have become…
Continue readingHow to Reduce Costs of Motoring in 10 Steps
Investing a large sum of money on an automobile is only the beginning. There are a few other costs you need to be mindful of. Having a car should be fun and convenient. When it starts eating away large portion of your household budget you will not have fun anymore. Here are 10 ways of…
Continue readingEssential Teenage Driving Resources
Driving is one of the signs of gaining independence. Youngsters are all excited to get their driving licenses to get on the road and senior drivers want to keep theirs as long as they can. Unfortunately, teenage drivers are the group with highest accident and traffic related death risk. The chance of a new driver…
Continue readingCan Car Games Enhance Your Driving Skills?
Many parents may be worried that their children are spending too much time playing games. They concentrate so hard that they don’t hear their parents. All that focus, hours of playing video games may not be all waste after all. Researches show that playing fast video games improve your concentration in everyday tasks and help…
Continue readingDriving and Auto Insurance for Seniors
As the population ages the number of older drivers will keep increasing. As of now, estimated thirty five million American motorists are over 65. It is probably too young to hand over the keys. There are people who still function well behind the wheel at ninety five. As long as they are fit and able…
Continue readingDriving License Point Deductions, Suspensions or Revocations
Most states operate a driver license point deduction system to penalize reckless or careless drivers. Within the rules of this system it is defined how many points a driver would lose for certain rule breaking or moving violation. These points will be recorded by DMV and seen by auto insurers. As a result, policyholder is…
Continue readingWhy Is Car Insurance Mandatory?
Driving on public roads and streets isn’t an automatic right given to anyone after certain age but it is a privilege for people who comply with the necessary requirements like having a driver license, vehicle registration and insurance. When this point is accepted it is easier to answer the question of why is auto insurance mandatory?…
Continue readingWhy Is Car Insurance So High for Young Drivers?
The answer to why do young drivers pay more for car insurance lies in statistical data. Statistically, young motorists are four times more likely to get involved in a fatal crash, compared to over 25 year olds. This is what scares most insurers away from insuring teenagers. And if they do they want an arm…
Continue readingWhat Are Limited & Full Tort Coverage in Auto Insurance?
Question: What are the differences between Limited Tort and Full Tort? It appears that I have a choice with my state, what should I base my choice on? Answer: Limited and Full Tort coverage comes into question with certain states. Few states make a distinction between two tort claims. If you go with Limited Tort Coverage, you…
Continue readingWill I Get a Refund If I Cancel my Car Insurance Policy?
Auto insurers encourage motorists to pay their premiums in full with discounts. At least you can avoid paying installment fees if you can settle the bill at once. However, a few people don’t like to pay their premium in full because they are not sure if they will get a proportionate refund if they cancel…
Continue readingHow to Give Your Automobile a Little TLC
There are many good reasons why you should give a little tender loving care to your automobile. A little TLC makes your car look better, last longer and sell at a higher price. Nobody likes to be driving a less appealing vehicle. A well maintained car is less likely to break down as well. Also,…
Continue readingWhat Does Self Insured Auto Insurance Mean?
The general definition of self-insurance is insuring something yourself by putting money aside, instead of buying a policy and paying premium. How would you apply that to auto insurance since you have to buy basic liability coverage? What does self insured automobile insurance mean? Is there good examples of using self insurance that can be given to…
Continue readingWhy Do Auto Insurance Companies Ask Many Questions?
Automobile insurance companies appear to be very nosy. They ask about things like who is living in your household over the age of 15. They want to know if you are married or living with someone or have a lodger. They seem to be asking personal questions. Why would they want to know everything? These…
Continue readingCan I Backdate Insurance to Cover my New Car from Purchase?
Question: I bought a new car and kept it several days at home because I knew that my current insurer insures it automatically for up to 30 days. Can I ask them to backdate the policy coverage from the date of my purchase? I don’t want to explain to DMV why it was not insured from…
Continue readingDo Insurers Stereotype Drivers Based on Insured Automobiles?
Question: Do they assume that someone who bought a sports car must like speed? And does this assumption affect vehicle insurance rates they offer? Answer: This is a brilliant question. They bump up your rates as soon as you buy a sports car. So, they must group you with all the speed loving sports car owners to…
Continue readingWhat Is an Excluded Driver on an Insurance Policy?
Usually, insurers automatically include every driver in a household in their premium calculations and on the policy if they end up insuring the risk. At times it may be necessary for financial or practical reasons to drop someone off your policy. A young person or someone with bad driving record can increase your premium a…
Continue readingIs a Car Insurance Surcharge and Rate Increase Different?
Auto insurance surcharges lead to premium increase and therefore people may not be able to differentiate them from rate rise. However, not every premium rise is due to a penalty. Knowing what is a surcharge and what is rate increase helps you in your efforts to gradually lower your premium and avoid future increases. Usually, people use…
Continue readingAre Manual Automobiles better than Automatic?
Car lovers love to strike a debate on almost anything. One of the long running discussions are about the type of transmission you go for. Some motorists cannot even imagine driving an automatic car and many others have never operated a gear lever since they passed their driving test. We love a good discussion here…
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