Automobiles are typically towed when they are in non-working condition, needing transport to a repair shop or storage facility. Importantly, getting your vehicle towed does not usually require auto insurance because the vehicle is not actively being driven on the road. In most cases, liability claims against you are unlikely when your car is in…
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What Happens to Insurance Policies If Agents Closes Shop
Finding the right insurance broker is crucial for individuals and businesses to secure appropriate coverage and receive ongoing support. However, circumstances can arise where a broker unexpectedly shuts down or goes out of business, leaving policyholders uncertain about the fate of their insurance policies. This article aims to shed light on what typically happens to…
Continue readingHow Depreciation May Affect Your Auto Insurance
Depreciation does refer to the decrease in value of an asset over time, including vehicles, and it can have an impact on car insurance premiums. As vehicles age, their value decreases, which can affect the coverage and cost of insuring them. However, the relationship between premiums and depreciation can be more complex and depends on…
Continue readingResources for Eco Friendly Commuting, Driving & Cars
Essentially you can achieve two things at once by going green; be more environmentally friendly and save money. Obviously it will depend on many factors. The best solution would be to avoid driving private vehicles whenever possible and use public transport facilities. However, this may not be desirable or practical at times. Then, people try…
Continue readingHow to Escape High-Risk Driver Insurance Status?
Whether due to past driving infractions, age or other factors, being labeled a high-risk driver can significantly impact your ability to obtain affordable auto insurance coverage. Knowing the reasons behind this classification is a good starting point when looking into solutions and strategies for clearing a bad driving record and improving your car insurance rates….
Continue readingDoes the Age of a Vehicle Affect Insurance Rates?
Auto insurance companies take into account various factors when calculating premiums, including the age of the car, make, model, and engine size. Typically a large majority of owners start with full coverage insurance when they buy a new automobile and keep this coverage for a while since they need to protect the significant investment they…
Continue readingHow to Prepare for Comfortable & Safe Driving
You see “buckle up” signs all across the country and wonder if there are still people who ignore this simple safety tool. A quick look at statistics shows 15% of motorists still don’t wear them. And over 50% of traffic collision related deaths are due to passengers and drivers not wearing seat belts. This goes to…
Continue readingSnapping a Selfie and Checking Social Media While Driving
Latest technological advancements are making our lives much easier and enjoyable. We got used to it that we wonder how people’s lives before the Internet were. However, with every great invention there generally are dangerous uses as well. You can be glued to a phone while you are sitting at home with hardly any risks….
Continue readingDealing with Distractions from Backseat Drivers
Having someone in the vehicle to keep company is always welcomed, especially on long trips. They can keep you awake with light conversation, change the radio station and manage the air conditioning. This quickly turns into a real sore point if your companion tries to drive the automobile from the back or passenger seat. They…
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. In fact, some insurers don’t even need an excuse to…
Continue readingDoes Personal Auto Insurance Cover Carpooling?
Often colleagues, neighbors, college friends and parents share cars because they don’t see why two or three of them should travel in the same direction when one would do. It is an economic and environmentally friendly method of dealing with private transportation needs. That is why many large cities push for it with designated car…
Continue readingDo Vehicle Safety Ratings Affect Insurance Premiums?
There aren’t industry accepted standards or readily available published safety ratings specifically used by car insurers mainly because every company has their own methods when it comes to evaluating a car for insurance purposes. However, many carriers confirm that they look at the crash test results when they determine if they should charge more or…
Continue readingHow 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 readingWhy 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 readingWhy Is Car Insurance So High for Young Drivers?
Auto insurance premiums are significantly influenced by age, particularly during the teenage years. Young drivers, especially teenagers, are more likely to engage in impulsive decision-making and take risks while driving. Combined with lack of driving experience, they are more prone to accidents, including fatal crashes. This is supported by past claim loss data and statistical…
Continue readingWhat Is Personal Umbrella Liability Insurance Coverage?
These policies can be an economical way of handling possible liability claims against you personally due to various ownerships and activities. Generally, it is designed to protect you from large lawsuits brought against you by third parties. Therefore, it safeguards your assets and future. It works in two ways to achieve this objective. 1. It…
Continue readingMaximum Liability Auto Insurance Limits
It is important to understand and appreciate how bad third-party claims against you can get, especially if you have a fair amount of assets, which you worked all your life to accumulate for your retirement and family’s future. If your liability car insurance reaches its maximum limits, you will have to cover the rest of…
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 readingHow Does the Car I Own Affect My Insurance Rates?
Vehicles insured is one of the main factors impacting auto insurance rates along with the listed drivers, zip codes and credit scores. The influence of the car is heightened when the driver is already considered riskier. Companies look at the automobile’s make, model, type, engine size, safety features, value, size, accident and insurance ratings when…
Continue readingWhat Is an Excluded Driver on an Insurance Policy?
An excluded driver is someone in your household who has been explicitly left out from your car insurance coverage. This is usually done with an endorsement on the policy showing the name of the driver and clearly marking the person as excluded from driving the insured car. Then, such a person isn’t insured and any…
Continue readingCan I Add a Driver Who Doesn’t Live with me to my Car Insurance?
Sometimes, a girlfriend or a close relative may drive your car more than occasionally. It may be best to include them on your auto insurance policy and it may be possible. People often have concerns about who uses their automobiles and what is the situation with them. Once they are included on the policy as…
Continue readingCan Gas Prices Affect Vehicle Insurance Premiums?
As surprising as it sounds, petrol prices impact automobile insurance rates in some negative and positive ways. It makes driving cheaper or more expensive and therefore affects the distance travelled and numbers of claims. Both these factors are influential in premium calculations. Sometimes, a slight change in habits may seem unimportant. But these days everything…
Continue readingHow Can I Reduce Insurance Premium for a Financed Auto?
For many people, borrowing may be the only way to purchase the car they desire. Lienholders typically require adequate insurance protection for the vehicle, which serves as collateral for the loan. This generally entails purchasing Comprehensive, Collision, and Gap insurance in addition to Liability coverage. While there is nothing wrong with obtaining a good policy…
Continue readingDo I Need Custom Parts and Equipment Coverage?
This depends on the value of custom parts, state you live in and insurer. Some car insurance companies like Progressive offer up to $1,000 custom parts and equipment (CPE) coverage automatically in their policies, providing there is physical damage coverage already. And some states allow such provision in policies while in others you have to…
Continue readingWill My Car Insurance Cover My Out of State Travels?
Your auto insurance policy will cover you wherever you drive in the US for short travels. Most policies cover travels to Canada as well but don’t cover Mexico. When you travel to another state, your current vehicle insurance will provide at least the minimum coverage required in states you visit as well as honoring your…
Continue readingHow to Review an Auto Insurance Policy
Reviewing their vehicle insurance policies is essential for every motorist, especially in today’s digital era where more people are arranging coverage online. By delving deeper into your policy documents beyond the basic details found on your insurance card or declaration page, you can gain a thorough understanding of your coverage, limitations, requirements, and exclusions. This…
Continue readingWhat Is the Difference Between a Traffic Ticket and Citation
Motorists receive a ticket when they get caught breaking the traffic rules like parking in the wrong place, excessive speeding, reckless driving, not following traffic signals and driving under the influence. We often hear the word “citation” with similar infractions but there is no difference between a ticket and citation. Ticket is used more widely…
Continue readingDo I Have to Add my Spouse on my Car Insurance?
There may be many reasons why you may want to exclude your wife or husband from your policy. Often having bad driving records and increasing the premiums is the reason. In most states, the majority of the national auto insurance companies allow spousal exclusion. However, they may need to meet special requirements like having no…
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