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 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 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 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 readingWho 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 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 them all our efforts will…
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 a large portion of a household budget you will not have fun anymore. Here are 10 ways…
Continue readingEssential 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 readingCan 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 readingDriving 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. Below we will discuss the general issues that come with…
Continue readingDriving License Point Deductions, Suspensions or Revocations
Most states operate a license point deduction system to penalize reckless or careless drivers. These rules define a number for each rule breaking or moving violation. These will be recorded by DMV and seen by everyone interested. As a result, policyholder is likely to see increase on automobile insurance rates. Companies may even refuse to…
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 license, vehicle registration and policy. 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 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 readingWhat 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 readingWill I Get a Refund If I Cancel my Car Insurance Policy?
Companies encourage motorists to pay premiums in full with discounts. At least you can avoid installment fees if you can settle the bill at once. However, a few people don’t like to pay upfront because they are not sure if they would get a proportionate refund if they cancel auto insurance policies. Considering it may…
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. 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 readingWhat 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 readingWhy 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 readingCan 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 readingDo Insurers Stereotype Drivers Based on their Automobiles?
It is a common knowledge that cars can be very influential in premium calculations. Actuaries spend days trying to figure out insurance ratings of every model based on how many accidents they are involved, what sort of injuries and damages people suffered, how many of them stolen last year, what sort of drivers go for…
Continue readingWhat Is an Excluded Driver on an Insurance Policy?
Usually, vehicle insurers automatically include every driver in a household in premium calculations and on a policy if they end up selling it. At times it may be necessary for financial or practical reasons to drop someone off coverage. A young person or someone with a bad record can increase rates a lot and it…
Continue readingIs a Car Insurance Surcharge and Rate Increase Different?
There are a few reasons for price fluctuations. Vehicle insurance surcharges lead to premium increase and therefore people may not be able to differentiate them from rate rises. However, not every upward movement is due to a penalty. Separating them from each other helps in efforts to gradually lower policy costs and keep unexpected hikes…
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 the test. We love a good discussion here as…
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