Monday, November 23rd, 2009 at
7:24 pm
Paul Colligan: On the Thanks giving weekend, I am planning to go from New York to Oklahama in a rented car. Will my auto insurance policy suffice this and how do I compare auto insurance so that I can get the maximum benefits.
Response: You will have to take into consideration for comparing rental car insurance quote :
Check to see if they are including fees for towing, storage, impound fees, loss of use, dismissed value and administrative services.
The Administrative services and the diminished value can vary widely if you are involved in an auto accident. In most states diminished value is not covered.
Check with your current insurance company or read your auto insurance policy to see if your present auto insurance policy will cover you, if you rent a car for pleasure purpose. However, please note that if you do not have a comprehensive coverage or collision coverage on your present auto insurance policy you will not be covered for damage or theft of the rented vehicle.
Check with the credit card company if your rental car insurance coverage is covered. The limitation in this is that they would provide coverage only for the rented car and not for the personal belongings or personal liability coverage for bodily injury or death claims.
Please verify the coverage provided by the credit card companies since they would also not provide coverage for the towing, diminished value or administrative fees. Policies of the credit card companies do change and so it would be a best idea to compare auto insurance coverage.
To know exactly what type of auto insurance coverage you have, call the toll-free number on the back of the card you will be using to rent the car. Also remember that credit card benefits are secondary to either your personal insurance protection or the insurance offered by the rental car company.
Happy Thanks giving.
Sunday, November 22nd, 2009 at
9:38 pm
Jack Humpherey: How do I review car insurance coverage of “accident forgivness” when I compare auto insurance quotes for a policy? Please help me in this.
Response: Before you compare auto insurance quotes, it would be best to review car insurance coverage. For this it is necessary to understand what the coverage means. I know that insurance policies are very large and seem to be a jargon to most of us.
Accident forgiveness is mainly a marketing strategy followed by the auto insurance companies. Let me explain how this is a marketing strategy for the car insurance company. Please check the terms properly before you go for this since:
Some companies will only “forgive” the accident which is not your fault. So if someone comes and hits you car from the back, than this accident would not be counted on your record and it would be forgiven. Now you need to understand that in most states the own damage portion is settled by your own insurer.
Some companies will “forgive” the accident which is also your fault. When this clause is added to the policy, it would state that the insurance company is ready to forgive the first-at fault accident of the insured or client in a certain period of time and this time period is normally kept at 3 years- 5 years. This would mean that the insured will not switch auto insurance companies within this time period and secondly, the premium for this is kept slightly higher by certain insurance companies. The personal automobile insurer requires that the client has a clean five year driving record before they consider them eligible for this benefit. In fact here the insurance company is ensuring that they get a good risk since the chances of a driver with a clean record having an accident are very less.
Also some insurance companies would charge you extra for this benefit.
For the client this would mean that the first-at fault accident is forgiven and the accident would not be counted. His car insurance or auto insurance premium will not be higher or hiked in the subsequent year. The slightly higher premium he is paying for this benefit would be much lower than the premium he would have to pay if the accident was considered and he was charged for the same. You need to remember that once you have an accident, even if it is a minor accident your record will be blemished and this clause of “accident forgiveness” would not apply or become null and void. Your policy will be counted as any other risk.
Please consider all factors before you buy your insurance policy. Compare auto insurance quotes and review car insurance coverages, before you go in for your car insurance. A little bit of understanding and precaution is better than paying a higher price for the years to come.
Thanks.
Kamlesh
Friday, November 20th, 2009 at
10:10 pm
Ben Stiller: Every winter I dread driving in the snow and always meet with an auto accident. My auto insurance rate will than scale up. Any tips would be welcomed?
Response: Ben, I understand that winter is a terrible time. Even I dread the winter and getting behind the wheel in this wheater. Winter poses driving challenges and dreadful weather conditions. First let me tell you that to get a better auto insurance rate you need to compare auto insurance rates online and am sure you will find a good car insurance quote. Shop around online and you will be suprised with how much you would save for this.
Lets today discuss about your vehicle safety. The roads are slicky and slipper during the winter and so the first thing you need to do is to get the best snow tires. Your tires are going to be your main shield and saviour for the winter. You will get good deals of snow tires in your local shops, local media and also local radio new ads which will point out the best places and deals for cheap tires. Presently the following tires are voted to be the best in terms of reliablity and price and they are :
1. Michelin Latitude X-Ice ($128 a tire)
2. Hankook Optimo H418 ($94 a tire)
3. Bridgestone Blizzak WS60 ($75 a tire)
Get your brakes serviced and check up that the car is in best shape. The wipers and heating also need to be checked so that the visiblity is good in winters this becomes a big issue.
Last but not least you need to check up if you have a road assistance service since this is very crucial in the winter for auto accidents. You cannot afford to be strangled on the road.
Ben, I assure you that if the car is in best condition it would mean half the battle won. You can easily cruise in for the winter to low auto insurance quotes without a problem. Auto accidents can certainly be prevented.
Thanks.
Kamlesh.
Wednesday, November 18th, 2009 at
8:50 pm
Janet Jackson: How are zip codes used in calculating auto insurance quotes?
Response: Comparing auto insurance quotes is becoming very easy as time passes and this is the truth. Machines are soon replacing the humans and the insurance agents and it is time the insurance agents also accept this reality. Auto insurance rates are based on the geographical locations since the car insurance companies develop their data base on the geographical location. The auto insurance claims for the area and premium generated in the area will form the base of the base premium for that area. Now zip codes are associated with the geographical area and so as soon as the zip code is filled in the base premium or the base rate as the auto insurers or underwriters call it is decided. To this base rate is the loading of the type of car, the drivers, the driver history and other factors. Dedeuction of the discounts is than done and finally the final auto insurance quote is arrived at.
Most online car insurance rate calculators require that consumers enter the personal, vehicle and driver record details. Once this is filled than the online calculators will just be produce the quote and with the advanced technology you will get the quotes from about 5-6 auto insurance quotes. Check it out yourself right here. Compare auto insurance quote now and bank in your profits in terms of savings.
Tuesday, November 17th, 2009 at
6:39 pm
Elton John: How would I get a low auto insurance quote? How can I review car insurance quote and ratings?
Response: A good question since you need to know how to and what to look for when you are compare auto insurance quotes and review car insurance quote. You need to know the following things about Auto insurance :
1) Know what each of your auto insurance coverages are and than choice the ones which you would require. Let me give you a tip that the most expensive coverage is the collision coverage since this is one which the vehicle is most prone too. Optional coverages such as gap coverage, roadside assistance, rental reimbursement, uninsured/underinsured motorist coverage, and comprehensive coverage can provide a lot of protection for a little price increase. Comprehensive coverage is usually the most expensive of these coverages, but is still usually about half the price of collision coverage and a third the price of liability coverage.
2)If policy is allowed to lapse you will have to pay more: Insurance companies prefer to have a history on a policy so that they can know how to rate the policy. Once the policy has lapsed than the insurance company will charge you a very high premium since they have no history on the insurance.
3) Opt for a higher deductible : The higher the deductible, the more the discount you will get on the auto insurance rate and you save on auto insurance premium.
4)Review the auto insurance discounts that are available and see if you can opt for any of them.
5) Shop around on the internet for auto insurance quotes. This will let you know about the discounts offered by the other insurance companies, know about the insurance companies and what is more important is that you can see all the quotes at one time. This will help in comparing auto insurance quotes and coverages on the same page and at the same time. You can arrive at a decision on buying auto insurance quote.
Thanks.
