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Kesha : Is it true that auto insurance comparison can be done based on astrological signs?

Auto insurance comparison based on astrological signs

Response : Auto insurance comparison based on astrological sings,Kesha, so you have also be amused and wondering about this. Lately there has been a buzz on social networks, iphones, ipods, ipads, the media and all that there is a revised zodiac calender. The debate has been very heated on this. Thanks to the Mineapolis Star Tribune which reported that Krunkle affirmed that the Earth’s rotation has shifted the zodiac signs.

Allstate had recently conducted a research on the zodiac signs and the driving habits based on the zodiac signs. They had come up with a finding that Virgo is the sign which is most likely to get into a car accident and Scrpio is least likely to get involved in a driving accident. You will be suprised to know that the “new” sign, Ophiuchus, faired well in the study. Ophicuhus was the second-safest drivers on the road. This report also raised a great debate and controversy for auto insurance comparison and peopls started questioning on how to compare auto insurance and whether the auto insurance comparison of rating for individuals was done on this basis.

Auto insurance comparion is done on zodiac signs for driving habits and not to base the rating on this Allstate has declared

Allstate got caught in a whirpool of questions based on their report of the driving habits of people and auto accident data which they had gathered on the strological sings. Can an astrological sing really influence driving habits? This will always remain a controversy as much as people are divided in their opinions of predicting future based on zodiac signs.
Below is the number of drivers involved in accidents in 2010 (fewest to most) according to the research from Allstate.

Scorpio (Nov. 23 – 28)—26,833
• Ophicuchus (Nov. 29 – Dec. 17)—83,234
• Cancer (July 21 – Aug.9)—101,539
• Aquarius (Feb. 16 – March 11)—106,878
• Libra (Oct. 31 – Nov. 22)—110,592
• Aries (April 17 – May 13)—112,402
• Capricorn (Jan. 18 – Feb. 15)—128,005
• Gemini (June 20 – July 20)—136,904
• Sagittarius (Dec. 18 – Jan. 17)—154,477
• Pisces (March 12 – April 16)—172,030
• Taurus (May 14 – June 19)—177,503
• Leo (Aug. 10 – Sept. 15)—179,657
• Virgo (Sept. 16 – Oct. 30)—211,650

Auto insurance comparison cannot and is not based on this. Allstate has clarified that it doesnot base the rating on this nor does any insurance company base the rating on the zodiac signs.

Auto insurance comparsion is an excellent way to get low auto insurance rates- review car insurance

Auto insurance comparison is an excellent way to get low auto insurance rates and you need to compare auto insurance or review car insurance. Let me further clarify and rule out any doubts on auto insurance rating method of insurance companies. The birthday or age is information is not taken by the insurance companies to base their rates on the zodiac sings, there is not auto insurance rating based on this. This information is just to know the age since the insurance companies have thier auto insurance ratings based on the claims experience categorized as per the age of the drivers.

Further, the difference in the auto insurance rating of the insurance companies is on their own underwriting guidelines and indivdual claims experience and results. This is the reason if as a customer when you indulge in auto insurance comparison or compare auto insurance or review car insurance, you will be rewarded with low auto insurance rates. Just do this.

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Before you are stranded, review car insurance and roadside assistance plans, know your options

The holiday season, Christmas and New Year is a time to meet family and friends a time to give yourself the break, a good holiday. Yes, travelling in USA, North America or Canada would mean taking your car and driving with the family. It is true that over 1.4 million drivers could be stranded and so its time to take a peak an review car insurance and road –side assistance.

Before you take off on the road it is time for you to review car insurance and check whether your policy is valid and in order and you are covered. You need to also verify if you have your road-side assistance plan valid or just contact your friend or family member who has an open plan and has not used it so that you can call AAA of the road side assistance company, incase you are stranded on the road.

What are common causes of stranded vehicles, would this be covered under auto insurance?

As per the AAA the main cause of vehicles being stranded are batteries issues which is expected in more than 90,000 cars. Batteries might have an issue because of extreme cold conditions. It might be a good idea to get a self-battery charger which is available and you do not need another vehicle also.
The second big reason are flat tires and car struck in snow or mud.
Of course one of the silly causes is a set of keys locked inside cars.

This is when if you have made arrangements for the roadside assistance plans like AAA or CA you would think of them being the Santa Claus for you.

Of course, this is not included under auto insurance. If you review car insurance policy you will see that wear and tear or maintenance is not covered.

Easy ways to avoid being stranded or getting involved in an auto accident , so you need not review car insurance on a holiday

You can easily avoid the time waste and the car trouble. This might also save you thousands of dollars down the road if you are able to avoid a car accident since your auto insurance will not rise and you need not review car insurance on a holiday.
It is recommended that you get the car inspected, checked and complete the maintenance before the holidays.
Get yourself the anti freeze which will help you to have clear visibility.
Tires can be checked for the pressure, put in the extra tire in your car and get the pressure for the same also checked. Motorists should never reduce tire pressure in an attempt to increase traction on snow and ice. This does not work, and when the roads dry out it can cause excessive tire wear and vehicle handling problems.
Compare auto insurance quotes or review car insurance after you had a good time with the family and when it is time to get down to business, even the insurance companies are on holidays.

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Nathan : How do I compare auto insurance quotes for auto gap insurance?

Why do you need gap insurance and is it a part when you compare auto insurance quotes online?

Response : Before you set about the task to compare auto insurance or want to compare auto insurance quotes, it is important to understand that the auto insurance is separate from gap insurance. Gap insurance is not a part of the auto insurance and is a coverage which is offered only for new cars and by some insurance companies only.

Even if the person dies in an auto accident the loan on the car is not wiped off, and hence you need to have gap insurance. The auto insurance policy will only pay for the present market value of the car and not the total amount of the loan taken. Gap insurance covers this and hence is required when you go for a vehicle loan.

Compare auto insurance quotes for gap after you understand depreciation

Gap insurance will be applicable for brand new cars only. You need not be a rocket scientist to know that the car which you buy will be depreciated each year and you will get a depreciated return for it if you were to sell it, even if you want to sell your car the very next day you buy it. Once it leaves the showroom it will have a lesser value than what you actually bought it for. There is only one coverage for gap insurance and that is the coverage incase of total loss. You do not have much scope to compare auto insurance quotes for gap insurance since the options are limited and the coverage is limited.

Understand gap insurance before you compare auto insurance quotes for gap insurance

Gap insurance overage protects you if your car gets damaged and will reimburse you for the difference between the following items:

The actual cash value of your car at the time of the loss, less the applicable deductible and the vehicle’s salvage value (if retained by the owner or insured) and

Any greater amount owed on the vehicle at the time of loss, less any unpaid finance charges, excess mileage or wear and tear charges, any other charges or expenses associated with the loan or lease, and the vehicle’s salvage value (if retained by the owner or insured).

This insurance is mostly sold by the dealers when they are making arrangements for a vehicle loan for you.

Compare auto insurance quotes here for free to get the low auto insurance rates, now before the auto insurance rates start rising.

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Ebene Kagan : Does an auto insurance claim affect my auto insurance premium since when I did compare auto insurnace quotes my auto insurance quote was higher?
I live in New York city.

Compare auto insurance quotes or review car insurance if invloved in auto accident.

Response : Auto accidents are unfortunate events and this is the main reason why one goes for an auto insurance policy. It is a fact that in case you are involved in an auto accident and the accident falls within the perview of the insurance company they would settle your claim and reimburse you. In cases where someone is hurt or a fatal accident the financial loss can be much higher for the insurance company.

Insurance companies have their own underwriting guidelines which they follow, however the reality is that if you are involved in an auto accident the insurance premium would increase in the subsequent year on account of the claim. The quantum of increase in the auto insurance premium is not directly proportionate to the claim paid, however there is an increase in the premium.

Now as per the recent news in New York and Florida the number of staged claims are on the rise and those staging the claims involve incoent drivers in tha accidents.

Suspicious insurance claims from staged accidents are on the rise— and nowhere more than in New York and Florida, two states with no-fault statutes.

Overall, the number of questionable claims from staged accidents increased by 46.3 percent from 2007 to 2009, according to the National Insurance Crime Bureau (NICB)

Additionally, the ratio of staged accident claims to overall bodily injury (BI) and personal injury protection (PIP) claims has increased over this period while the total number of BI and PIP claims has declined.

You will be suprised to know that Florida and New York are ranked first and second, respectively, in the top 10 loss states and five of the top 10 loss cities.

The top five states that generated the most staged accident questionable claims are: (1) Florida, 3,006; (2) New York, 1,680; (3) California, 1,619; (4) Texas, 792; and (5) Illinois, 433.

The five cities that generated the most staged accident questionable claims are: (1) New York City, 1,304; (2) Tampa, 562; (3) Miami, 511; (4) Orlando, 422; and (5) Houston, 376.

Staged accidents target innocent drivers with schemes aimed at defrauding the insurance company. This would mean that you need to be more aware on the road when you are driving. Avoid tailgating at all cost and also note down all the details of the oppoiste driver and details of the claim in case you get involved in an auto insurance accident. Unfortunately, there is nothing which can be given to distingush between a genuine claim and a fraud and hence you need to be careful.

It would be best to compare auto insurance quotes online here or at any other web-site of your choice review car insurance coverage to get low auto insurance rates.

Thanks.
Kamlesh

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Susan Boyle :Is it advisable to compare auto insurance quotes or review car insurance after an accident to get low auto insurance quotes in the future? Will the other insurance company know of the auto accident from my present insurance company?

Compare auto insurance quotes or review car insurance after an auto accident.

Response : Honestly, it is advisable to compare auto insurance quotes or review car insurance atleast 2 -3 times in a year so that you are informed of the changes that are taking place in the market and secondly it is very important to review car insurance if there is any change in your position in relationship, fiancially, you have taken a new job, you have changed residence or you have a different car.

When an accident ocurrs the first thing is getting your claim settled as soon as possible. Now if it is an own damage claim – for your vehicle it would be settled fast. If it going to be a liability claim than it would be more advisable to stick with the present insurance company since even moving else where might not be gainful to you in terms of premium.

You should first check up with the insurance company and your policy wordings if you have accident forgivness coverage. In this case your first accident is not going to affect your insurance premium.

Yes, your auto insurance premium would be affected by the auto accident and so it is important to compare auto insurance quotes and secondly review car insurance coverage since you might find out that the limits you have presently are not sufficent to cover liability that could arise if you end up paying out of pocket for the claim.

The insurance companies have the privacy norms and so will not tell one another about claims, however it is your duty to disclose the claim or else it is considered misrepresntation and your auto insurance policy can be cancelled or voided by the insurance company.

The prudent thing to do is to compare auto insurance quotes and review car insurance if you are looking for low auto insurance rates at every opportunity and make a wise decision. You can help your family and friends since who does not want low auto insurance rates?

Thanks.

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