Car insurance premiums are almost always refundable, if there is any money left to be returned after a cancellation or coverage adjustment. Insurers will only charge for time on risk, deduct any cancellation fee (if any) and return the rest of the premium paid in advance if a policy is terminated before its time. Besides,…Continue reading
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.
Pros & Cons of Buying Car Insurance Online vs Agents
Almost all vehicle insurance companies have a fully functional website allowing customers to get quotes, buy policies securely and sign up to access their documents and manage their policies online. Comparison sites allow motorists to shop around freely too. All these conveniences put pressure on agents and brokers. In the end, it comes down to personal preferences….Continue reading
What Is a Clean Driving Record?
You have a clean driving record if you don’t have a traffic moving violation, accident, vehicular crime conviction and point on your Motor Vehicle Record (MVR), which is kept by your state’s Department of Motor Vehicles (DMV) or equivalent and can be check by auto insurance companies, employers, law enforcement and other interested parties. Motorists…Continue reading
What Is the Relation between Insurance Rating & Credit Score?
By now it is a common knowledge that most companies look at credit score when they give quotes. However, we often here another term called insurance rating and cannot help but wonder if it is to mean the other or there are differences between the two. This post will try to define them and clarify…Continue reading
Does a Texting and Driving Ticket Affect Insurance?
Texting and driving tickets increase auto insurance premiums on average 23% according to recent studies. This is a serious effect and can increase an average basic liability policy by $143 a year and full coverage policy by $463. Even if there wasn’t any surcharge because you have a clean driving record otherwise, losing your good…Continue reading
Is Insurance Higher for Red Cars?
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 reading
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 reading
Financial Responsibility Laws for Motor Vehicles
Financial Responsibility Laws require motorists to provide evidence that they can compensate third parties in case the car they own, maintain or use causes damages or injuries to anyone. So, this includes the automobiles in your care as well. For example, an executor of a deceased person would have to buy insurance for a vehicle…Continue reading
Gap 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 reading
Does 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 reading
10 Most Scenic Driving Routes in the USA
It is a quintessential American pastime 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 discover new places. There can be a darker side to it that many may not even think about….Continue reading
Where 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 reading
Car 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 reading
Pedestrian 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 reading
10 Safer Night Time Driving Tips & Resources
There is only quarter of the usual day time traffic 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 well and…Continue reading
Who Would Have Thought Older Drivers Like Hip cars?
Hopefully, self-driving cars will be fully functional and on the road when I am 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 million dollar….Continue reading
Is 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 them all our efforts will…Continue reading
10 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 reading
How to Reduce Costs of Motoring in 10 Steps
Investing a large sum of money on an automobile is only the beginning. Motorists keep paying every day little by little for things like maintenance, gas, insurance, parking and repairs that they don’t realize they end up spending a lot of money on. Yearly cost of running a car is about $11,000 a year, according…Continue reading
Essential Teenage Driving Resources
Driving is one of the signs of gaining independence. Youngsters are all excited to get licenses to get on the road and seniors want to keep theirs as long as they can. Unfortunately, teenage motorists are the group with highest accident and traffic related death risk. The chance of a new driver getting into a…Continue reading
Can Car Games Enhance Driving Skills?
Many parents may be worried that children are spending too much time playing games. They concentrate so hard that they don’t hear parents. All that focus, hours of practice may not be all waste after all. Researches show that computer animations improve concentration in everyday tasks and help you complete them faster and more accurately….Continue reading
Driving and Auto Insurance for Seniors
Older motorists should know that they may not be as fit as they were once before and it may affect driving. Companies can quickly pick on them by pushing automobile insurance premiums up once they start seeing a fender bender here a traffic ticket there. In fact, some insurers don’t even need an excuse to…Continue reading
How Do Driver License Points Impact Car Insurance?
Auto insurance companies look at Motor Vehicle Records, which show traffic violation tickets and citations. Having points on record usually increases premiums. In order for companies to apply a surcharge they must see the ticket on record. Every company has their own scoring system and applies different rates for different tickets and points. For example,…Continue reading
Why Is Car Insurance Mandatory?
States not only authorise the use of motor vehicles on public roads but also make roads for them to travel fast and comfortably. Equally, they are responsible for the well-being of their citizens and therefore they require every vehicle owner to buy Liability auto insurance in order to make sure there is a compensation for…Continue reading
Why Is Car Insurance So High for Young Drivers?
The answers to why do young drivers pay more for auto insurance lies in past accidents data. Statistically, they are four times more likely to get involved in a fatal crash, compared to over 25 year olds. This is what scares most underwriters away from covering them. And they want an arm and a leg for…Continue reading
What Are Limited & Full Tort Coverage in Auto Insurance?
Motorists and carriers must follow their state’s car insurance rules as they determine what you must buy and how settlements work. Sometimes there may be choices available and it is certainly the case here. Let’s have a look at the choices and their consequences in terms of costs and restrictions that come with them. This…Continue reading
How to Give Your Automobile a Little TLC
There are many good reasons why you should give a little tender loving care to your automobile. Paying close attention to its up-keeping make a car look better, last longer and sell at a higher price. Surely, nobody likes to drive a less appealing vehicle. A well-maintained auto is less likely to break down as…Continue reading
What Does Self-Insured Mean for Cars?
The general definition of self-insurance is insuring something yourself by putting money aside, instead of buying a policy and paying premium. It is in a way being your own actuary and underwriter and managing the exposure as best as you can. It is all about working out the risks and coming up with a sensible…Continue reading
Why Do Auto Insurance Companies Ask Many Questions?
A detailed proposal form allows motorists to show of their qualities in a way to say give me great rates. In the same way, if there are too many cracks in a driving history there is no hiding it. Car insurers want to know your status, job, education, homeownership, other people living with you, distance…Continue reading
Can I Backdate Insurance to Cover my New Car from Purchase?
I bought a new car and kept it several days at home because I knew that my current carrier insures it automatically for up to 30 days. Can I ask them to show that the policy started from the date of auto purchase if I buy now? I don’t want to explain to DMV why…Continue reading