How to prevent car accidents for maintain low auto insurance rates?

Kamlesh Desai — Tue, 15 Sep 2009 23:50:33 +0000

Ed Dale : Yesterday my daughter had an accident. A deer collided with the car. Will her insurance premium increase.
Response : I am sorry for this and hope your daughter is fine. Yes, the insurance premium will increase. I would advice you to go online and compare auto insurance quote. You will find a low auto insurance quote, which you can talior make to suit your own coverage requirements.
Secondly let me give you some tips which I have gathered over the period of time on how you can prevent a collision with a deer, moose or elk. Here’s how:
1) Be aware of your surroundings. Pay attention to “deer crossing” signs. Scan down the road and far off to each side. At night, use your high-beam lights if possible to illuminate the road’s edges. Be especially watchful in areas near woods and water. If you see one deer, there may be several others nearby.
2) Be particularly alert at dusk and dawn when these animals venture out to feed.
3)If you see a deer, moose or elk on or near the roadway and think you have time to avoid hitting it, reduce your speed, tap your brakes to warn other drivers and sound your horn. Deer tend to fixate on headlights, so flashing them may cause the animal to move. If there’s no vehicle close behind you, brake hard.
4)If a collision seems inevitable, don’t swerve to avoid the animal; your risk of injury may be greater if you do. Maintain control of the vehicle. Report the accident to the police and your insurance company.
5) Always obey the speed limit and wear safety belts.

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Kamlesh Desai — Fri, 10 Jul 2009 03:47:18 +0000

Mark Ling( Tampa, Florida) : I would like to review my auto insurance coverage? Do you think I should take car comprehensive coverage?

Review car insurance

Response: Mark Ling, you should review car insurance at least 2 times a year. Review car insurance quote and also your auto insurance coverage. You will save money and also get a better auto insurance coverage.

Comprehensive coverage covers your vehicle and other vehicles for all losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.

If your car is financed or leased, the finance company will probably require that you carry this coverage.
If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. I would personally advise you to take this coverage only if you have a new car or one with a high market value.
If you have an older car or one in poor condition, you may not want to pay for this coverage.
God bless.

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How to prevent car accidents for maintain low auto insurance rates?

Review auto insurance coverage, you will save $$$