Vehicle Insurance 11/13/19 – gtg
To get reasonable car insurance for their teenage children is what is in a parent’s mind nowadays as their teens grow older and finally got their own drivers license. This is due to the fact that the rates of insurance are increasing and thus, burdening parents financially…
Teens are often given higher premiums by insurers due to the fact that they are young and new in driving. Insurers are assuming that they are taking higher risks by insuring these teen drivers. As a parent, read on to find out how you can get reasonable teen car insurance.
Since teenagers are still not capable of purchasing cars for themselves, they often rely on their parents to buy for them. Therefore, if you are considering purchasing cars for your teens, buy a car which follows car safety measures imposed by the law and consider adding extra safety devices on the cars to guarantee your teens to be in lower risks of involving with unfortunate events such as accidents. You should also choose cars which fall in lower risk category. Do not choose cars like sports cars which are susceptible to thefts and higher costs of repairing. These cars will incur higher costs of insuring and your wish to get reasonable car insurance for teenagers would not come true.
Next, constantly remind your teens the importance of driving safely. Advise them to follow traffic rules strictly and avoid traffic offenses to minimize speeding tickets, warnings and accidents. Usually, new drivers like teens are also being restricted by the traffic laws and they need to follow tighter rules and regulations compared to older drivers such as maintaining 0 alcohol tolerance level while driving. Stress to them that it is vital to abide by the restrictions. These will help your teens to maintain good driving record which is viewed by insurers highly as an important factor to reward the policy holder with reasonable auto insurance.
You can also consider insuring them under your own car policy as insurers often offer discounts for policy holders with more than one car under the same plan. However, reasonable teen car insurance might be available as well if you insure your teens under their personal stand alone policies with insurance companies which specialize in providing car insurance for teens. These policies however, put certain limitations on the teens such as restricting them from driving at night and many more restrictions to keep their premiums low.
In addition, you can also consider getting higher deductibles. If you purchase car insurance for your teens with high deductibles and you will be rewarded with reasonable teen car insurance.
Statistically, teen drivers are at a higher risk to be involved in accidents compared to adult drivers, hence explaining the higher rates for them. However, there are things a parent can do to help reduce the premiums for their car insurance if the parent is willing to do their part of work.
How do you choose which car insurance is best for you? By using a free internet referral service, you’ll receive up to five free car insurance quotes that allow you to compare which car insurance company will best accommodate your needs.
Reasonable Online Car Insurance Quote – How To Find It?
Expensive car insurance does not mean it is better. Reasonable auto insurance might give as much adequate protection as an expensive one. As a savvy consumer, we are trying to spend our money in wiser ways so that we are able to save more money for other uses. There is no point spending lots of money on an expensive goods when you can actually get the same benefits from the same reasonably priced goods. We should practice this thinking even when we are getting auto insurance. Reasonable online car insurance quotes might be the best bet for us. Basically the steps of purchasing reasonable online car insurance do not differ much from the steps of getting reasonable auto insurance traditionally.
The first thing that we should do when we are trying to get reasonable online car insurance quote is to visit car insurance quotes comparison sites. The reasonable auto insurance quote offered by insurance companies might differ tremendously and we don’t want to grab the first reasonable online car insurance quote that we can find when we can actually find better deals on other insurance companies’ websites.
Something we can do to get reasonable online car insurance quotes is to ensure that our car has the safety norms and anti thefts measures. We can install devices which will help to reduce your car’s risk of being stolen or damaged. In this way, we will have less chance to make claims from the insurance companies and they will be able to offer reasonable auto insurance for us. Having a good driving record will help us to secure a reasonable car insurance quote online as well.
Next, the type of car we are driving determines whether we are eligible to get reasonable online car insurance quotes. We will pay higher insurance premiums if we are insuring a highly priced car such as sports car. However, we can consider removing collision and comprehensive coverage of we are driving an old and lower priced car. This will help us to get reasonable car insurance quotes.
We can also choose to take up several insurance policies with the same insurance company if we want to get a reasonable online car insurance quotes. For instance, if we get our house insurance with the same insurance company, we will be in better standing to negotiate with our insurance provider to reduce the costs of our car insurance online.
Finally, we should always be careful because some insurance companies dealing with online purchasing of car insurance might include some hidden charges that we did not notice when we took our car insurance online. Read the insurance policy carefully and ask for more details if you don’t understand the terms and conditions. Do not be fooled into getting a reasonable online car insurance quote just because they are reasonable.
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You are a teenager who has just gotten your driving license and are curious to explore the world of driving, but all of a sudden, you notice that your parents are worrying about where they can find reasonable car insurance for teens.
Your parents are probably worrying about your safety of driving and also the costs of insurance nowadays. Actually, there are a few things which you can do in order to lighten your parents’ burden.
Since you have inadequate experience in driving, you might want to consider not driving without supervision from adults for the first few months. Driving with adults’ supervision is usually safer as they can guide teens the right ways to drive carefully. As your driving skills improved, you can start driving around yourself carefully. Try to avoid any traffic violations such as speeding and be aware while driving to avoid accidents. All these will help you to maintain a clean driving record. A clean driving record is very important if you want to help your parents to secure reasonable auto insurance for you. Getting speeding tickets or involving accidents in the beginning period of your driving will automatically grant you with higher rates.
Next, ask your parents to provide you with a suitable car to drive. Do not drive sports cars as insurance companies will put teens with sports cars under the category of high risks drivers and your chances of getting reasonable car insurance for teenagers will be crushed. Drive your parents older and sturdier car to lower your rates. You can also request from your parents to provide your car with extra safety equipments like car alarms and airbags to make your car more secured from damages and thefts.
Furthermore, try asking your parents to put your name as occasional driver in their policy if you are eligible for it. They can also consider insuring your car under their own policy. Putting more drivers or cars under a single policy will promise you more reasonable rates due to the fact that most insurance companies do offer multi-car discounts.
If you are still studying, try to work hard in school or college to get good grades in your studies. Make an effort to get only A’s and B’s in your results and you will be securing higher chances of getting discounts awarded to excellent students by insurance companies. Alternatively, you can also ask for discounts for student drivers. There are many companies out there offering special plans for students to get their car insurance.
Help your parents to do some research on reasonable car insurance for teens. Use the Internet to find out the rates in the market and determine which one is the best for you in terms of costs and protection. The rates can differ a lot and you might end up with a very expensive policy if you miss out this very important step.
Although there are a lot of car manufacturers who are trying to design and invent new features in the vehicles that would attract many car enthusiasts, the number of people who are getting interested in the old cars is rapidly increasing today. They are trying to appreciate the uniqueness and the value of the vintage cars which are truly considered as works of art.
Probably because of the sentimental reasons, owners of the vintage or classic cars get together to showcase their own collection and much treasured possession. Most of them have this unexplainable pride and joy especially when it is time to share about the different features and engine setup of their cars.
Collecting vintage cars is actually an expensive hobby. This is also considered as an investment since the rarity of these vehicles along with the cost of repairing and maintaining it is all part of the pastime. Because of this, it is also important that the vintage vehicles are covered by classic car insurance as well.
So what is the criteria before your car can be called classic or vintage? Car insurance companies use these standards in telling whether they would accept it for classic car insurance or not.
1. It must be an antique vehicle or a collector’s vehicle.
2. The vehicle must be 15 up to 25 years old
3. Although not necessarily running like it used to, the car must be in good condition
4. It must not be the main vehicle of the owner
5. The vehicle must be kept in a private territory or in a garage
6. It must be enjoyed and driven by the owner for the sake of pleasure and appearance not because of its function as a car
Once your car is considered as classic, the vehicle has already exceeded the average lifespan of most cars which is 10 to 15 years only. Therefore, you need extra effort to maintain the vintage car and keep it running. There are times that you would have a hard time looking for the parts since most of it is already out of date. This is one of the main reasons why insurance for a classic car is higher compared to the premiums of the typical vehicles today.
What really sets the classic car insurance apart from the other vehicle insurance that you can purchase in the market?
For one, there are several usage restrictions. One example is that drivers who are 21 years old and above are the only ones allowed to drive a classic car. The classic car must not be the primary vehicle used by the owner or the driver. Moreover, it can’t be used as the car for everyday use. Other than that, classic cars are only insured if it is driven towards a car show or other special events which require the presence of the vintage vehicle.
If you own one of these cars, you must consider getting an insurance that would protect it. After all, this is also a form of your investment and an asset that you must take care of.
Protect Your Special Car!
A unique and extraordinary breed, classic cars need special protection. And that’s exactly what they get when you use the internet to obtain free car insurance quotes. If you’re looking for the right protection for that special classic car, use the internet to compare rates. We’ll connect you with insurers on our network willing to compete to provide you affordable car insurance coverage. Then invest your resources in your classic car – not your insurance premiums!
There will come a time that an insurance holder will be surprised that the car insurance company will just cancel their current policy or the policy was not renewed. If you think that this is your case, then read on to know the details that can be of help to you.
CANCELLED CAR INSURANCE
Just in case that you car insurance company suddenly cancelled your insurance while the policy is already effective for more than 60 days, here are the four common reasons why the companies do such action.
• The driver’s license was either suspended or revoked.
• The month premium was already due.
• The car insurance company may have found out that you committed a fraud or they just believe that you did.
• There are false details that were included in the application.
However, if you do not think any of these possible reasons suit you, you must immediately call your agent or the car insurance company directly and ask why your policy has already been cancelled. By the time that they already told you the reason, then you start to think whether you would still get a car insurance from them or not.
NON-RENEWAL OF THE CAR INSURANCE
The insurance company will usually give you a notification that your policy has not been renewed. The non-renewal of the car insurance policy can be done by the insurance company or the policy holder. If in case you got the notification, yet you did not issue a non-renewal of your insurance, you might have overlooked some mail from the insurance company giving you an explanation or a warning. But still, you can always call the insurance company so you can ask for some explanation regarding this matter. There are times that insurance companies can have an unfair reason. As a consumer, you can call the department of insurance in your local state so you can file for a consumer complaint.
WHAT ARE THE STEPS THAT YOU MUST DO AFTERWARDS?
By the time that you already know the reasons or the explanations of the insurance company as to why they cancelled your policy or they did not renew your policy, start doing something. You may now shop around for a new car insurance company that will offer the same policies and auto insurance quotes that you need. There is now a wide array of companies that would surely love to have you as their customer. Take your time to compare car insurance quotes to get the best car insurance deal around. Some websites would only require you to fill in all the essential details about yourself. Afterwards, you can get as much as five car insurance quotes from various vehicle insurance companies who want clients just like you. Do not worry. The details will be kept private and will remain so. It will help you to shop around for car insurance quotes and compare them side by side.
These online car insurance quote services are usually fast and very reliable. What’s best about that is that you do not have to pay them anything at all!
What To Do Next
Once you know for sure your current auto insurance policy is being cancelled or not renewed, it is a good idea to start shopping around for new car insurance. Our service allows you to enter your information once and get up to five car insurance quotes from different insurance companies that will compete for your business. Our service is fast, easy and always free. Just fill out the free online information.
Accidents can happen anywhere, and to anyone. Accidents don’t happen with any warning, and they don’t strike only the rich, or only the poor. When they do happen, they lead to extensive damages, both to life and property. Car insurance seeks to minimize the damages of such accidents. Therefore, car insurance is as essential as air, you simply can’t do without it. To have a vehicle and not have insurance is just foolish.
It is a common misconception that insurance rates are rigid, but it is not so. Insurance rates are different for everyone, with every company. Companies offer different insurance rates according to the financial condition of the insured if they think it is viable for them. One should always compare insurance rates from different companies so you can get an idea of what the prevailing rates are on an average, and then go for the one which offers you the lowest rates on a per annum basis.
In Texas, you must prove who was or fault or liable for an accident to win an insurance claim. This means someone needs to be held liable for the damages. Once a tort has been proven, the person or his insurance company has to pay the damages. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.
You might think all this will lead to a terribly expensive car Insurance premium, but you are mistaken. It isn’t that high, and what is a little money every year if you can be protected from extensive losses if your vehicle gets severely damaged? The average car insurance for a year in Texas is $934 compared to the national average of $889. $900 dollars a year for something you might have spent your entire life’s savings on, think about it, is it too much?
Insurance rates are liable to change every year. In a state like Texas, they tend to fluctuate even more than normal. Sometimes they increase, and sometimes they decrease. Analysts predict it will rise over the next year or so, but you can still get an excellent deal by getting quotes from multiple car insurance companies. A comparison will help you determine who is offering the most reasonable car insurance rates and the course of action you should adopt, saving you a bundle of money over the long run.
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There are just some drivers who love to play with speed. They always put their lives at risk and the lives of everyone else while they are on the road. This would not only result to a bad driving record but accidents as well.
There are also those who drive carefully and safely. They obey the law and maintain a good driving record. Because of their cautious nature, they usually get a reward for this particularly in their car insurance rates. More often than not, they have the chance to lower their premiums which can be really a great help especially during a financial crunch. They have the chance to get reasonable car insurance rates just by being a law abiding driver.
Because the car insurance companies are also looking at your driving record history, a good record would help you get a discount that will be deducted on your car insurance premiums or rates. For them, if you have been a careful driver, you are not prone to accidents which make you an asset in their company. That is why they would give you a discount for your car insurance rates.
Who do they consider a good driver and who is not? Car insurance companies called them the Preferred Risk Driver. Here are some of the criteria on how they consider a driver as a good one.
1. You abide by the law. You have no record of crime related to vehicles.
2. No tickets or moving violations for the past 3 years or even more. This depends on the state where you live in and the insurance company as well.
3. Great credit scores.
4. You are already in the mid-twenties or even older and already established a record.
Another option is completing the defensive driving course. This would also give you a chance of getting a discount as a good driver from the car insurance companies. You are simply showing that you want to improve your skills as a driver.
But there are some inevitable situations where you get involved in an accident which is not your fault. Does that mean that you no longer have the chance to get a discount?
You must make sure that you consult your agent and ask more about the no-fault tickets. You should also inquire if you will lose your discount as a good driver if the accident is not your fault. It would be best if you are well-informed, so you must ask the car insurance company beforehand so you will not have problems in the future.
Driving safely has a lot of benefits including avoiding expensive repairs, the expenses for medical bills, and avoiding life-threatening accidents. Other people will also be safe from you as well. These are just some of the great benefits that you can get from driving carefully. But of course, one of the biggest advantages of this is getting a huge discount. A low rate on vehicle insurance would definitely help you and the needs of your vehicle at the same time
Enjoy the Benefits
Good drivers ride safely, avoid costly repairs and medical bills, and help protect themselves and others on the road. But one of the greatest benefits comes with preferred driver discounts, an easy route to reasonable car insurance. If you’re shopping for reasonable car insurance rates, let us help. We’ll get you all the discounts you deserve – including those for good drivers and start you on your way toward great coverage today. Give us a try and enjoy the benefits of being a good driver! Fill out an online form and get instant car insurance quotes for easy car insurance comparison!
All drivers are aware that getting car insurance is not just a serious matter but expensive at the same time. The cost of car insurance today is catching the customers by surprise because it rapidly increases from year after year. For those who are looking for a quick car insurance quote online, you can use the service of the internet and get up to five free car insurance quotes just by putting the relevant information in the forms. With these referral services, you can get as much as five car insurance companies to give their quotes to you.
There are numerous vehicle-related expenses that can influence the increase or decrease of your car insurance premiums. This includes the following:
1. Medical expenditures – at least three million vehicle accidents are happening annually which involve personal injuries. More often than not, it costs about $6,000 up to $9,000 to treat someone who became victim of road accident. But it can be more than that amount. The medical expenses are increasing and so does the car insurance rates for every vehicle owner as well.
2. Expenses for legal matters – the more road liability cases, the higher will be the rate of the car insurance companies. In one year, the estimated amount of the vehicular liability cases was only more than $187,000. But six years after, it surged up to $269,000. Experts agree that if the figures for the auto liability case continue to grow, the car insurance premiums will no doubt increase in no time at all.
3. Road collisions and accidents – a main cause of deaths in America is accidents that are vehicle-related. Every year at least $150 billion is spent for these road accidents. And more often than not, these drivers are over-speeding, driving under the influence of drugs or alcohol, and driving without seat belt are those who are involved in such accidents.
4. Theft – in one year alone, there are more than a million cars that became a victim of theft. It increased by as much as 6 percent if you would compare it from vehicle-theft cases in the previous year. Usually, it is the trendy vehicles and small vehicles that are stolen. But there are also buses, motors, and trucks that were stolen as well.
5. Fraudulent insurance claims – there are some consumers who are trying to take control of the insurance market by doing fraud claims in their insurance companies. The National Insurance Crime Bureau said that there are more than $30 billion worth of funds that are being swindled by the fraud insurance policy holders.
6. Driving under the influence of alcohol or DUI – did you know that there are at least 2 to 3 people injured or dying every 30 minutes because of road accidents due to DUI? Impaired driving actually eats up as much as 50 percent of the total number of deaths related to vehicles.
7. Expenses for the Auto Repairs – with the advancement in technology, the cost of repairing a vehicle becomes very expensive as well.
Understanding the factors that contribute to rising car insurance rates will make you a more savvy consumer — helping you to find the most affordable car insurance out there!
More often than not, those who want to secure their assets opt for insurance not only for their car but for their home at the same time. Anyway, who would not want to protect the fruit of their hard labor and hard-earned money?
But there are still some who do not know the value of their possessions until a catastrophe or an accident happens to them. Only then that they would realize how much they need their vehicles and the homes so that they can feel more secured.
The best option to have a great defense against losing your home and car is Auto and Home Insurance.
There is a big potential for reasonable insurance rates if you get your home insurance as well as your vehicle insurance from the same company. There are now numerous insurers that are offering these two kinds of insurance for asset protection. Therefore, if you will purchase from a single company, you have the chance to get a huge discount and save more money for things that matter most.
It does not matter if you buy a brand new or second hand vehicle or home. It is essential that you get a new insurance policy that is under your name. The government requires everyone to get a form of financial protection for their assets including their home and vehicles.
In case of an unfortunate event, the home and auto insurance will help you as well as the loan company from financial dilemma, property damages, or even injuries. This simply means that you have someone to lean on if ever you encounter an accident while driving anywhere. The vehicle insurance company will be paying the expenses for your vehicle repairs and the expenses for your injuries as well. This is possible if you included it as part of your insurance coverage.
On the other hand your home insurance will be paying for the cost of repairing your roof and other damages in your property if it was destroyed by natural catastrophes such as storm, hurricane, and alike. You will be restoring the look of your home without spending so much because your insurance company will pay for it, provided that you have sufficient coverage with your home insurance.
The home and auto insurance would also cover the expenses for your liabilities as well. If a family member or a friend is one of the passengers in your insured car and he/she became injured, the insurance company will also pay for the medical bill of your liability at the same time.
In case of theft or burglary, your belongings that were damaged are also covered by the auto and home insurance. If something valuable has been destroyed or has been stolen from you, the insurance company will also pay you or at least replace it. Remember that all of these benefits are only applicable if you have sufficient insurance coverage for both your home as well as your car.
Looking After What’s Yours
When you own both a home and a car, security becomes twice as important. And the best way to defend your automobile and home from loss is by planning ahead with home and auto insurance.
Get started today. Just request free car insurance quotes filling out an online form.
Don’t forget: to maximize savings, price those home and auto insurance combos. They could save you a bundle!
Road accidents are inevitable. But there are times that these accidents are not your fault. Therefore, you will be dealing with the car insurance company of the other party involved. Of course this can be confusing since you are not familiar with their coverage and the whole insurance system.
All of the experts advise that when involved in an accident, it is essential that you gather all the information about the driver. This includes details like the full name of the other party, contact numbers, address, insurance company, policy number, the address of their insurance company, their number, and the agent if he has any. Make sure that you call the insurance company of the other party immediately after getting the number.
This is important although you know that the other party who was at fault in the accident will be responsible enough to call his insurance company about the recent event. There are some drivers who are reluctant to inform the insurance company about their fault.
Inform the insurance company of the other person that one of their policy holders was involved in an accident and the other party is you. Also, do tell them about the damages just like injuries and properties. The police report will tell the insurance company about the person who is at fault in the accident although you would claim that it is not you who caused the accident in the first place.
Moreover, you must not also forget to contact the insurance company of your vehicle as well. Just tell them about the accident report and how you feel that it is not your fault. This would be in your advantage especially if the other party would deny their responsibility regarding the accident. Remember that insurance companies of the other party would be paying you for all the damages caused by their client. Therefore, you should not be surprised if they deny that the accident was because of their client’s fault.
Next is to ask your car insurance company and the insurance company of the other party about the repair quote for your vehicle. The driver at-fault’s insurance company must be the one who will pay for all the expenses of your vehicle’s damages.
The said quote may also be needed if you would like to have your vehicle be repaired in your local garage or in any repair shops that you like before they start working on the damages. There are a lot of states that will let you decide on the auto repair shops although car insurance companies sometimes recommend some garages that have repair facilities.
Make sure that you immediately ask for the estimated quote repair from the insurance company of the driver at-fault. You must also secure the necessary documents and repair authorizations so that you do not have a hard time afterwards. If you decide to handle things on your own, there might be problems with the insurance company, with the expenses in the repairs, and even dealing with the driver at-fault as well.
Regardless of which insurance company you are negotiating with (yours or the at-fault driver’s), maintain your cool and remember they are there to help you. Follow the insurance company’s advice, including obtaining a police report, getting a qualified insurance quote estimate for repairs, and keeping all parties involved informed and up to date.
Let us educate you and help you find the low cost car insurance policy you need. We’d like to lend you our experience in the car insurance industry so you can get just what you need at an affordable price. Submit your information online to get up to five free car insurance quotes! Act now!
The Guide Of Securing A Low Cost Car Insurance Plan
Being an owner of a car is getting more costly nowadays due to the numerous costs that we have to bear as an owner of a car. Gasoline prices are increasing rapidly and there are a lot of road taxes to be paid in this modern world. The car owners have to find their own solutions to reduce their costs of owning cars and one of them is looking for low cost car insurance plan.
A low cost car insurance plan does not necessarily mean low quality insurance service. Sometimes, if we observe our car and our own conditions, we can actually pay lower car insurance premiums as our car has been well secured by ourselves. Here are some guides on finding low cost car insurance plan.
One of the most important factors in finding low cost car insurance plan is the type of insurance plan that you want to take up. You should choose a car insurance plan which suits the needs of your car such as the value of the car and the model of the car. There is no point of getting a car insurance plan for fully comprehensive cover when the money paid for the insurance plan might worth more than the car itself. Choose a car insurance plan which the costs suits the value of your car in order to prevent paying excessive insurance premiums for something that you don’t really need.
As cliché as it may sound, having a good driving attitude will help you to secure a low cost car insurance plan. If you are constantly violating the traffic rules and breaking the laws, you will find yourself paying higher insurance premium for your car because of you recklessness. Installing an alarm and other safety devices for your car is guaranteed to make you feel that you car is safe as you know your car is more protected from any sorts of misfortunes. Besides that, it can also help to put you in a better position for obtaining low cost car insurance.
Some insurance companies can also offer you an insurance plan which is specially tailored for your needs. Insurance companies are now targeting customers from different groups and they cannot afford to have only one plan which might not suit majority of people. Having specially tailored car insurance plans can help you to get the best deal and cut down the costs of car insurance premium when you are only paying for the necessary protection that you need from the insurance plan. Therefore, this will enable you to get a low cost car insurance plan for your car.
You should always calculate and get to know the current market value of your car because insurance companies will only pay the market value of your car if it happens to be stolen or involved in any accidents. If you are not aware of the current market value of your car, you might be paying higher insurance premiums than what you actually should pay and this will raise your costs of car insurance. It is a good practice to keep yourself constantly updated with your car’s market value in order to make sure that you manage to secure a reasonable car insurance rates.
Getting a low cost car insurance plan does not mean getting the most reasonable insurance plan available in the market. Rather, we should find a car insurance plan which help us to keep the cost of car insurance down yet are able to allow us to enjoy the advantages of insuring our car.
Now, get up to five competitive car insurance quotes and save!
We know your time is valuable, so we’ll work hard to find car insurance agents in your area who can provide the coverage you deserve so you don’t have to. Just provide us some information online, then sit back, relax and let low cost car insurance quotes come to you!
For those who are supplying vehicle parts independently, you would surely hear them say that all parts are the same. They simply want to tell that the generic parts, also known as the Aftermarket Parts, are the clones that look perfectly like the parts that came from the automakers or what they call as the Original Equipment Manufacturer.
With the introduction of the aftermarket parts the OEM prices decreased by as much as 30 percent. It is not only the car owners who would like to spend less for their vehicles who are fond of aftermarket items. The IIHS or Insurance Institute for Highway Safety also thinks that it doesn’t matter if the car parts are aftermarket or OEM as long as its work perfectly fine. There are tons of car insurance companies who are also using aftermarket parts as well so that they would be able to offer low premiums and able to maintain low cost for the expenses of the damaged vehicles at the same time. The CAPA or Certified Automobile Parts Association are trying to exert some effort to stop the selling or at least decrease the customers of these products. Unfortunately, the market has increased by as much as 15 percent.
The Auto Body Parts Association established the CAPA way back in 1987. Most of the funds of the CAPA came from the experts in collision repair as well as the insurance industry. Moreover, there are also 14 members who are included in the Board of Directors as well so that they could give the association the advice that they need.
It was in 1999 that the major setback in the aftermarket products happened. It was the case of the State Farm versus the Avery where it involved the purchasing and using of the aftermarket products for the vehicle. The State Farm was proven to be liable for the damages worth more than $400 billion. Moreover, the State Farm also gave a $730 billion worth of penalty for the other damages as well.
Those who have filed for the petition said that the State Farm Mutual Auto Insurance Company never told them (the policyholders) that they are using aftermarket products that came from independent auto repair shops. This resulted to the violation of the consumer fraud laws. Aside from that, the plaintiffs also claimed that the parts that were used did not restore the pre-cash condition of their automobiles as well. Therefore, the State Farm Mutual Auto Insurance Company did breach their contract with their policyholders.
Because of this, many insurance companies have avoided the aftermarket vehicle parts after the case. As a result, the automakers have gained once again the captive market. The insurers, as well as the policy holders, weren’t able to save money.
But just a few years after the State Farm case, the advocacy group called the Public Citizen spearheaded by Ralph Nadir claimed that the rule must be condemned. The monopoly of the OEMs truly does not serve the needs of customers. Instead, it cost the insurance companies which will be passed to their policyholders as well.
It is likely, however, that insurers will be wary of using aftermarket parts in the near future, unless more judgments are overturned or there is legislation clearing the way for aftermarket parts. CAPA produced model legislation introduced by the National Council of Insurance Legislators in 2002. That legislation was tabled, so the status quo remains for now. Were this legislation passed, CAPA says, it would protect the public from both an expensive monopoly and substandard parts.
After making sure that everything is properly packed for your road trip, you want to see to it that the children are safe and secured inside while you are traveling on the road. There is no other tool that would help you do that than your vehicle’s seat belts.
Adult drivers who know that it is essential to be safe while driving starts when they were still a safe child passenger. The kids must know that safety is important while you are driving so that they too will be able to carry these safety manners until they are already too old to drive.
The NHSA or National Highway Safety Administration is providing relevant details and guidelines about child passenger safety. These are the guidelines that the parents must follow so that the child is secure inside the car. Children who are below 12 years old can only sit at the backseat. This would prevent them from being suffocated from the air bags just in case anything happens. Although air bags would bring safety to the adults, young child may be seriously hurt with them.
There is a different guideline for the infants. Starting from newborn until the baby is a year old or those infants weighing up to 22 pounds must sit in the infant or convertible seat that is facing the rear of the vehicle. In case that your vehicle is only for two passengers, you must first deactivate the airbag before you secure the infant seat and the infant at the passenger seat. Before heading to the road, double check if the straps are well fastened to the infant seat and passenger seat. The straps can either be placed in the slots just below the shoulder level or at the lower part of the infant seat. This of course depends on the model of the infant seat that you chose.
If you want a forward-facing baby seat, you can switch to this type of car seat by the time that your child is already more than a year old and the weight is more than 20 pounds up to 40 pounds. Again, remember about the safety guidelines regarding the harness straps and clips .
By the time your child weighs more than 40 pounds and he is between to 4 and 8 years old, a booster seat may now be used. This is also applicable if the child is no more than 5 feet tall. A shoulder belt and a lap belt as well will help you secure and keep the booster seat in place while you drive. But make sure that the shoulder strap will never be across the neck, arms, or face of your child. Moreover, the lap belt should be secured on the hips of the child, not in the stomach. If you meet an accident while the straps are in the wrong place, the child would be seriously injured in different parts of his body, doing more harm to him than good.
For general information on the proper use of child restraint devices, always consult the instructions that come with your child safety seat, as well as the information provided by your vehicle’s owner’s manual. And, to compare free car insurance quotes, just fill out the easy quote application online. We’ll match you to local insurance agents who compete for your business – helping you find the best auto insurance policy at your right price. Enter your zip code to get started!
Vehicle Insurance Quotes
Car insurance is a business that needs a lot of competitive spirit. Because of this, consumers are in a winning situation especially if they know how to compare auto insurance quotes to get the best auto insurance deal.
Today, there are now several insurance sites that will give you the best auto insurance quotes and deals for all your auto insurance needs. All you have to do is to provide online details about you, your driving record, your budget for an insurance, and what you need in a car insurance as well. You will be given all the details that are related to your vehicle insurance. Afterwards, you may start collecting all these quotes so you can give it to the local insurers who are willing to offer you competitive auto insurance rates.
The real price of the auto insurance
The cost that is related to cars or any kind of vehicles is rapidly increasing from year to year. As a result, the vehicle insurance quotes also rise as well. Aside from that, the Insurance Information Institute also said that there are more factors affecting the rise in the car insurance rate including the increase in legal cost, medical expenses, car repair price, drunk driving, fraud, and theft.
LEGAL AND MEDICAL COST – every year there are more than a million road accidents that causes injury to those who are involved. More often than not, the cost of treating a victim starts from $6,000 up to $9,000. Aside from that, the US Department of Transportation also said that the cost of death due to road accident can reach as much as $150 billion annually.
VEHICLE REPAIR – the cost of repairing a vehicle depends on the model and the type of the car. The more expensive your vehicle is, the higher will be its insurance rates.
THEFT – people who are trying to steal trendy and luxurious vehicles are rampant today. One of the policies included in an auto insurance is the coverage for auto theft. If your car is at risk of theft or burglary, you will be paying a price higher than the average or old cars.
FRAUD – every year fraudulent claims are made by thousands of Americans according to records of NICB. Some of the most common fraud schemes include auto repair fraud, injury fraud, worker’s compensation fraud, and homeowner’s fraud or claim. One way to avoid becoming a victim of these fraud insurance schemes is by verifying the license number of the insurance agent who you will be working with.
DRUNK DRIVING –according to the National Center for Injury Prevention and Control , there are at least 1 out of 3 Americans who are involved in drunk driving. In the same study, there is actually one road accident caused by drunk driving every 30 minutes. Some result to injuring the victims fatally while others result to death. This is one of the greatest factors that contribute to the increase of insurance quotes for all the consumers.
With all the information about why car insurance quotes are high, you would now surely understand why it is essential to look for a best car insurance company that would give you reasonable car insurance rates.
The Final Say
Now that you have the scoop on what’s really behind your auto insurance quotes, you have the final say. Let us put you in touch with up to five insurance agents who understand these issues and their impact on your life.
If you include your teen driver as part of your vehicle insurance policy, you might have to shell out more than what you can afford. However, it is important that you get teen car insurance for both your child and your vehicle just in case your teen faces an accident while on the road.
We are always concerned about the safety of the whole family especially when on accident prone situations like driving. There are various car insurance quotes for teen car insurance that would definitely meet your needs and your budget all at the same time.
How to save money when getting a teen car insurance?
More often than not, car insurance companies consider the high-risk drivers who are below 25 years old. This includes the teen drivers of course. Because of the cases and road accidents involving teens, the auto insurance rates can increase by as much as 50 or even up to 100 percent. As a result, there is a huge premium for teen auto insurance.
This doesn’t mean that your teen should remain as a passenger for the rest of his or her teenage years. There are ways on how you can get the affordable teen insurance that your new driver needs. Of course, this needs the cooperation of your teen. Below are some of the guidelines that they should follow.
1. Maintain a clean driving record – a simple traffic violation could increase the teen car insurance premium every year.
2. Take safety courses – there are some car insurance companies offering huge discounts for all the teen drivers who can complete driving courses such as the safety course or the defensive driving course.
3. Be involved in community services – this may be in the form of Girl Scouts or the Eagle Scouts. Providers of teen insurance also give discounts to teen drivers who will join in these organizations. They feel that teens who are involving themselves in civic organizations are less risky drivers.
4. Parents must choose a safe car for their teens – the cost of the teen car insurance rates can be reduced by as much as 50 percent if the teen is driving a safe car model. Some of these so-called safe cars include Volvo and the Honda Civic models. The new models that have airbags are usually the vehicles that have reasonable teen insurance rates. Let your teen skip on the luxury, high-performance, and sports cars first until they are ready to drive responsibly, safely, and until they can start paying for their own insurance premiums.
5. Install safety features on the car – there are numerous features that would keep the car safe and less risky for the insurance companies including the anti-lock brakes, side-impact air bags, traction controls, and more. You would be surprised to know how it can help in decreasing the amount of your teen car insurance rate.
Coverage You Can Afford
Your family deserves the best – and that includes teen car insurance. Let us help you find a policy at a price you can afford!
There are no definite day or time that a severe weather can strike. The way you drive during these conditions has a big difference between pulling over as you wait for the tow truck to pick you up and going home safely because you are a cautious driver. Although you probably have your car insurance, it is still advisable that you should not use it and prevent yourself from any accidents on the road.
Below are some of the tips that you can use when driving under severe weather conditions:
During the winter season, the road may be covered with snow and ice. This is actually one of the most challenging road conditions since the road can be very slippery on the said season. Before driving, you must see to it that you take the ice off of your window and clean it. This would actually help you improve your vision of the road. You will then put your defensive driving skills into use. You must also make sure that you drive on a slow speed and see to it that you maintain it that way. On the other hand, when driving in a road with deep snow, drive at a speed that is fast enough to help you keep the car’s momentum. You should also be certain that you can still take control of your vehicle while doing so. If you will be passing areas like overpass or a bridge, try to reduce your speed. More often than not, these areas accumulate ice. This may result in changing the vehicle’s direction or speed causing road accidents.
Meanwhile, if you really have to drive under a very foggy condition, you should always drive on the right side of the lane. Moreover, you headlights must be in low beam only while you drive. If in case you are really having a hard time seeing the road, it would be best if you would just pull over. Wait until the visibility of the road improves. And when pulling over, stay at the far right side of the road so that you are far from the traffic lane. Turn on the hazard lights as well so that other drivers will still see you and avoid you.
Lastly, extreme wind and rain can also be troublesome for everyone who is on the road. Big vehicles or the so-called high profile vehicles including the motor home, RV, and trailer homes are not advised to travel during this extreme weather condition. They can start rolling on the roads again when the wind has died down. These vehicles are in a great risk of being overtaken by the great wind and may be a threat in the safety of the driver as well as the passengers inside.
When it rains, you must take extra caution when driving. The rain water will not only make the road slippery. It will also mix with the common dirt and vehicle oils that can be found on the road. Just keep driving in a speed that would still maintain a contact between the surface of the road and your tires.
Be sure you and your car are protected by the most comprehensive auto insurance policy at the best price. Use our auto insurance quoting service to get up to five instant car insurance quotes from the top car insurance companies in your area. Why not try us and start saving today?
You can’t blame the truck owners for boasting this one of a kind vehicle. Being behind the wheel of a truck gives the owners a sense of pride that they can never feel in an ordinary automobile. But even this is a powerful and luxurious way to get you from one point to another, you may discouraged to get one for yourself if you know the cost of the insurance that comes with it.
It is true that the insurance premiums for trucks can be very expensive. However, if you know more details about buying the best truck insurance and getting a great deal without compromising the coverage or the policies, then you are on your way to a reasonable car insurance rate.
There is no such thing as truck insurance black market. In fact, getting reasonable truck insurance is no secret at all. All you have to do is to give some time to do a little research before you buy this beast and start hitting the road.
There are different factors that would affect the rate of your truck insurance. If you would do the best that you could, you would definitely get a reduction in your auto insurance rates by 50 percent or more. Remember that these variables are within your control. Below are the factors contributing to your auto insurance rates which you can actually manipulate.
1. The driving record or the driving history
2. Your location
3. The model of the truck that you want to buy
4. The number of whistles and bells that the truck has
But there are also some factors that you cannot control such as
1. The risk that you and your passengers may face while on the road
2. The probability that your truck might be stolen
3. The expenses that you may face to repair the truck
If you are on the market for trucks, here are the ten models that have the most expensive insurance premiums:
1. Porsche Cayenne
2. Land Rover Range Rover
3. G-Class Mercedez-Benz
4. Cadillac Escalade
5. Lexus LX 470
6. BMW X5
7. Cadillac SRX
8. Dodge Ram 2500
9. Toyota Sequoia
10. Ford Excursion
You cannot let the high auto insurance rate get in your way of owning the truck of your dreams. Follow these tips on how you could counter the expensive premiums while protecting your truck at the same time.
• Compare before you purchase. Look at the different auto insurance quotes offered by various car insurance companies so you will see the differences that they have when it comes to the rates and the coverage of the insurance.
• Find out first how much the insurance is for the truck that you have in mind.
• Do not hesitate to ask if there are discounts. You can get this by getting the insurance from the same company where you have your health, home, or life insurance. You may also buy the insurance along with your spouse’s vehicle insurance.
You deserve to get the best auto insurance service and the best deal for your truck. So allocate some time to look for various companies who will offer you the truck insurance that you need.
The Choice Is Yours
Now that you’re well informed about truck insurance, don’t let a lack of time, money or energy keep you from getting the coverage you deserve. Take just a few minutes to apply for free truck insurance quotes on online. Finding the right truck insurance has never been quicker, easier – or more reasonable!
Regardless of the vehicle that you drive, it is important that you always have proof of car insurance with you. If anything happens while you are on the road, you will have that vehicle insurance that will cover and protect you as well as your car or truck. It is also a must because getting insurance is part of the law.
However, each state has its own requirements and laws when it comes to vehicle insurance. It is possible that the policies in your local state may not be applicable to your neighboring states. As long as you have the minimum insurance amount that is need in your own state, you can still drive and travel from one place to another.
Getting protection for you and your vehicle
Shopping for the minimum vehicle insurance? You might want to consider these options and the various policies that will of course depend on your budget and your needs as a driver.
1. Collision coverage – the insurance covers the expenses of your car’s damages due to collision.
2. Body injury liabilities – covers the expenses for the other people’s injury because of your fault.
3. Comprehensive car insurance coverage – covers the expenses of your vehicle’s damage due to other factors
4. Medical coverage – covers the expenses for the rehabilitation and medical care due to road accident.
5. Property damage coverage – covers the expenses for the property damages because of your fault.
6. Uninsured motorist coverage – covers the expenses for you and your family in case of road accident with an uninsured driver.
If you want to know the basic insurance requirements for your state, visit the website of the Insurance Information Institute.
Top 10 tips on how to save on your vehicle insurance
Paying for the vehicle insurance rate can be very hard especially today. But it would only be daunting if you would let them charge you that huge amount. There is a wide array of insurance premiums in the market. If you would only look for the different companies and rates, you would definitely get a low insurance rate.
1. As much as possible, always maintain a clean and good driving history.
2. Compare auto insurance quotes coming from various car insurance companies.
3. Find out the current car insurance rates before getting a new vehicle. Check which are the features that would increase the cost of auto insurance and which can help you save. You must also carefully choose the vehicle as well.
4. Prefer the higher deductibles. This would give your car insurance rates a bigger discount and it will be reduced by as much as 20 percent.
5. Try getting a quick car insurance quote from the same company where you insured your home and other types of insurance. You might get a big discount because you have more than one policy with them.
6. Maintain a clean credit record as well. Car insurance companies are also looking at the credit records and may play an influence in your insurance premiums.
Make It Official!
Get covered with the right vehicle insurance. In a matter of minutes, we can help you find multiple vehicle insurance quotes so you can compare and pick the policy that’s best for you and your vehicle. And that’s an absolute necessity – no matter what you drive!