Keith Baxter : I am looking for low auto insurance, yes lowest car insurance rates and how can I get them.

Low auto insurance rates

Response : Getting a low auto insurance rate is much easier than you might imagine. Here are three ways to reduce your auto insurance costs, as well as an estimate of potential savings based on the national median rate of about $1,400 per year. If you pay more than the median rate, you could save even more.

1) The first tip you take is to have a deductible which is higher. According to the Insurance Information Institute (III), raising your deductible from $250 to $1,000 can minimixe the auto collision and comprehensive coverage costs by up to 40 percent. The other side is that in case of a claim you will have to pay the deduticble but the chances of the claim are lower compared to the surety of paying the premium every year. You’ll incur higher costs should you need to file a claim, but the amount you’ll save on your premiums may be well worth it. The estimated savings would be $170/- $200.

2) You need to buy your auto insurance policy and home insurance policy from the same insurance company.According to the III, converting to a multiline policy could save you as much as 15 percent on your auto premium. Plus, you’ll have one fewer bill to pay each month. You will save an estimated amount of $210 -$250/-

3) You would be better off to pay your auto insurance premium in one lumps sum. This is because you would save on the fees that the insurer will charge you which you will save. You can save an estimated
$60 to $80/- per year

Compare auto insurance quote online, review your car insurance for coverage and for price. This is a dynamic market and to save you need to be proactive. Low auto insurance rates are avaliable and are there for you to get them.

Happy Motoring.
Kamlesh

Mark Ling : Thanks Kamlesh, that was a good explanation on rental car insurance. However, I have another question – what happens if there is a property damage?

Response : This is a very intersting question and a much debated issue even in our insurance world. The comparison of car rental insurance for physical damage is interesting, however I would like to talk about the present version of this coverage. Let is compare auto insurance coverage on rental car.
As per the prevaling car insurance regulations, if you have physical damage coverage or PAP coverage on one auto than when you rent a car it would cover the physical damages but you will have to pay the deductible amount on this which is as per your PAP – auto insurance policy. Presently the coverage for nonowned cars moved back to physical damage (where it still is today), thus requiring PAP insureds to carry such coverage on at least one car and to pay their own deductible in order to have physical damage coverage for a nonowned car. The insurance company is not happy with this since their exposure has doubled. They are liable for the car you own and also the non-owned car you drive. The rental companies no longer carry physical damage on their fleets, the PAP insurer is now responsible for the difference between the insured’s deductible and the amount of damage to the rental car—up to the value of the car.
In 1989, an exclusion regarding damage to rented cars was added to the PAP. That exclusion removes coverage (including coverage for loss of use) if the rental company is not allowed by state law or the rental agreement to collect for a loss. Under previous editions of the PAP, the rental company could collect under the named insured’s PAP even if the insured was not legally responsible for the loss, such as in the case of hail damage to the rented car. This exclusion was added to prevent the rental company from collecting under the named insured’s PAP in such situations.
The golden nugget for you here is that you should compare auto insurance coverage and see that you are covered under your auto insurance policy for the physical damage and this will follow you when you drive a rental car. So review car insurance coverage and as long as you have all the coverages, do not worry.

Happy holidays.

Thanks.
Kamlesh

Paul Colligan: Kamlesh, thanks for providing useful tips to me to compare auto insurance quotes and due dilgiency for renting a car. I will be going with my kids and family. Any tips on safety for children would be appreciated since my wife is very worried. Of course, me too.

Response: I am glad you liked my tips on how too compare rental auto insurance quotes It’s great that you are thinking of the vacation and are happy with the tips given for rental auto insurance quotes. It will be a pleasure to share with you the risk management and insurance tips for safety of the child, since obviously to all the safety of the child matters more than anything else. You will be suprised, but the reality is that almost 50% people do not use car seats for children but just rely on seat belts.

The changes in technology, the tariff advisory and steps taken by the auto insurance companies especially the NHTA are really helpful. The LATCH system know as Lower anchors and tethers for children has been developed with the sole objective of making it easier for parents to correctly install child safety seats in vehicles and for children to be safer. Please do not rely on the seat belt for the safety and security of your child.

Here are some things you have to keep in mind for the safety of your child when traveling in an auto:
A certified child passenger safety technician can check your installation and answer questions. To find a technician or an inspection station near you.

When children outgrow their rear-facing seats (at a minimum age 1 and at least 20 pounds) they should ride in forward-facing child safety seats, in the back seat, until they reach the upper weight or height limit of the particular seat (usually around age 4 and 40 pounds

When children outgrow their booster seats, (usually at age 8 or when they are 4’9” tall) they can use the adult seat belt in the back seat, if it fits properly (lap belt lays across the upper thighs and the shoulder belt fits across the chest)

For information on the LATCH system you can either go to NHTA. www. nhtsa.gov

Any safety measure you take ensures you low car insurance premium. You must compare auto insurance quote but not at the cost of safety.

Happy journey and safe motoring.