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Getting Married? Review car insurance.

Kamlesh Desai — Wed, 25 Jan 2012 12:02:26 +0000

Jessica Biel : Getting married? Does it make a difference to car insurance.

Review car insurance if you are getting marrried?

Response : Jessica, exactly how are car insurance premiums affected by marital status? This is not a subject that many drivers really understand, but it is a major factor on what they are paying for their car insurance. A change in martial status is likely to make a big difference when you are reviewing car insurance policies or doing comparisons of automobile insurance quotes. It also will have a direct influence on your potential low car insurance rates, especially if you fall into certain age ranges. This maybe something you have never heard of and you are not alone. Here are some basic guidelines to watch for as a driver with car insurance.

If you are under the age of 25 and have just married, it will probably be to your advantage. Your change in martial status will help you find lower car insurance rates when reviewing or comparing auto insurance quotes. This is true both with an agent or online. Generally insurance agencies view a newly married person under the age of 25 as having stepped forward in maturity. You are considered more responsible, so less likely to drive recklessly and so your rates will be lower when offered car insurance.

Once you are over the age of 25 your rates will be dependent upon your existing driving record. You maybe allowed to add more than one car to your insurance policy, but both you and your spouse will be looked at with speculative scrutiny. Your ability to get lower car insurance rates maybe dependent on both of your driving records, so it could be necessary for the one who has the better driving record become the main policy holder. This way you can put all vehicles under their name exclusively.

If you get divorced you may lose any discounts on your single car or multiple car policies. Yet you may end up with a lower insurance rate as the only driver listed on your insurance policy. Again this is dependent on factors like your insurance payment history, accident claims that you have filed in the past and your current driving record.

It is quite amazing how your martial status may or may not help you when it comes to lower cost car insurance rates. So with knowing exactly how are car insurance premiums affected by marital status, you can make a more informed decision about your car insurance as a driver.

Review car insurance, compare auto insurance and get your low auto insurance rates now.

Why compare auto insurance quotes with different deductibles?

Kamlesh Desai — Fri, 19 Mar 2010 03:41:30 +0000

Tiger Kenedy : Why should one compare auto insurance quotes with differnet dedutibles?

Compare auto insurance quotes with different deductibles is a good idea.

Response : It is a very good idea to compare auto insurance quotes using different deductibles and this can be done really easily. Let me give you examples to make it absolutely clear as to what is the effect of different deductibles on the auto insurance quotes. First let us understand what a deductible is.

What is an Auto Insurance Deductible?
A deductible is the amount of money you are responsible for paying in the event of a physical damage claim on your vehicle. The insurance company pays for the cost greater than the deductible to repair your car. If the total cost to repair the damage to your car is less than the deductible, you are responsible for paying for all the repair costs.

Secondly, deductibles are only paid for physical damage claims for your vehicle, not liability claims. So if you are found liable (at fault) for damage to another person’s car or injury to another person in an accident, you DO NOT have to pay a deductible.

Likewise let me also clarify that comparing different deductibles is a good idea only if you are going to take the own damage coverage of the auto. Incase you are not opting for own damage or comprhensive coverage which is another name given to this, than there is no use comparing deductibles and this option would not be given online.

There are several deductible amounts you can choose when selecting an insurance policy. The amount generally ranges between $250 and $1,000. Generally, a higher deductible will lower your insurance rate. You should choose the highest deductible you can afford. Keep in mind that the deductible is paid each time a separate claim is filed. The deductible amount is the amonut that you will have to bear each time you report an auto insurance claim. If you report three damages or place three claims in a year, you will have to pay three deductibles.

Example 1: Frank has a $1000 deductible for the physical damage coverage for his car. Frank crashes his car with a neighbours fence causing $3,000 in damage to his car. Frank would be responsible for paying the first $1000 to repair his car. Frank’s insurance company would pay the additional $2,000. It’s important to note that the cost to repair the neighbor’s fence would be covered by Frank’s liability coverage.

Example 2: Allison has a $250 deductible for the physical damage coverage for her car. Allison accidentally backs into her neighbor’s mailbox at a slow rate of speed, causing only $100 damage to fer car and no damage to the neighbor’s mailbox. Since Allison’s deductible is $250, she is responsible for all the repair costs associated with the accident. Her insurance company would only pay for damage in excess of $250.

Remember, the number of claims you file is held against you in the form of additional cost for insurance in the future. Also, insurers may sometimes choose to non-renew your policy after the initial policy term is up based on your previous filing claims. Circumstances can vary greatly, but it is a good idea to pay for all small damages to your vehicle with your own money.

It would be smart to opt for a higher deductible if you are a good driver and so you can save on your auto insurance premium and would get a low auto insurance rate or premium.

Happy Motoring.
thanks.
Kamlesh

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Should the auto insurance policy cover all drivers in the family?

Kamlesh Desai — Wed, 30 Sep 2009 02:39:07 +0000

Shauna : If you have two autos that carry full coverage, do you have to add your husband to the policy?

Response : You should, particularly if he has any access at all to the vehicles and/or drives them, even on an occasional basis.

The reason behind this is that you pay a premium for the drivers in your household. If you’re paying a premium for only yourself, and your husband uses the vehicles, you’re not allowing the insurance company to rate you correctly. This could be called misrepresentation, particularly if your carrier has asked you to give them information on all the drivers in your household.

But…if your husband has a good driving record, and is free of accidents, you probably won’t see much of a rate change, if any at all. If he has a bad record, you might want to consider having him made an excluded driver on your policy. That way, you’re square with the insurance company and your rates won’t reflect his record. But beware: An excluded driver means just that, and if he ever drives one of your vehicles and has an accident, there is absolutely no coverage. You can imagine what this can do to your finances if you’re not careful. You must declare all the members of the family who are living with you and have a driving license as per the insurance norms.

Check out for your low quotes and am sure that there will be no problem adding him along. You will in-fact lower your insurances and have the peace of mind. Compare auto insurance quote and review car insurance coverage.

U.S. Drivers Dropping Auto Insurance Coverage at Alarming Rate

Kamlesh Desai — Tue, 22 Sep 2009 01:44:37 +0000

Stephen : Auto insurance is very expensive now, especially when I have lost my job. What would happen if one would not buy auto insurance.
Response : This year the Insurance Research Council reported that one in six drivers in the U.S. may be driving uninsured by 2010 due to a continuing economic downturn. . There are 3 compelling reasons to avoid the temptation of skipping your auto insurance coverage namely :
1. Driving without car insurance is a crime
Yes, it is a crime in all states to drive without car insurance coverage. No driver can be certain that he will avoid an accident. You might think you can get away without it, but you can’t be sure. On top of that, your odds of being in an accident with an uninsured driver are substantial.
2. Your auto insurance rates will increase when you reinstate your policy
Remember, most states have laws requiring you to show proof of insurance. Many states make it a practice to stop drivers unexpectedly just to inspect if the driver has proof of car insurance. And if you cannot furnish proof of auto insurance coverage, you will be required to mail in proof of insurance showing you were covered on the day you were inspected.
If you think car insurance coverage is expensive now, just try getting it after being caught without insurance. You’ll be in a new high risk category, and you’ll be expected to pay a lot even though you’re not a bad driver.
For those who choose to drive without insurance, they could lose any assets they own if they hit someone and get taken to court. Letting your coverage lapse can result in having to pay an initial 25% to 50% surcharge for a new policy. Because they consider such drivers irresponsible, Insurance companies charge more upon policy reinstatement.
3. You very well may incur stiff penalties.
Penalties for failing to maintain car insurance can range from a fine, to a suspended license, to jail time. If you get caught, your car or license plates could be impounded until you can pay the fine. Then, you have to pay another fee to reinstate your registration

It is better to go online and shop around for low auto insurance quote. Compare auto insurance quote online and you will find very low and car insurance quotes. Review car insurance quote and check out the quotes above. Grab your low auto insurance quote now.

What deterimines the price of auto insurance policy?

Kamlesh Desai — Wed, 02 Sep 2009 02:02:02 +0000

Dianara :What determines the price of my auto insurance policy?
Respionse : There are many factors that influence the price you pay for auto insurance. The average American driver spends about $850 a year. Your premium may be higher or lower, depending on the following :
1.Your driving record:The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven’t been insured for a number of years or are a new driver.
2. Mileage of use :The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will pay less. For instance, some companies will give discounts to policyholders who carpool.
3. Geographical area :-Where you live. : Insurance companies look at local trends, such as the number of accidents, car thefts and lawsuits, as well as the cost of medical care and car repair.
4.Your age:In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.
5.The car :The car you drive decides your insurance rate.Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.
6.The amount of coverage.Of course, like anything else, the more coverage you have, the more you pay. However, you may qualify for discounts.
It is best to compare your car insurance rates and auto insurance online for free and see what the changes are. Friends this is a dynamic market and so it pays to compare auto insurance quotes – 411.