Auto insurance » Auto Insurance Policy

Can GEICO Auto Insurance Help When It Comes To DUI Car Insurance?

admin — Sun, 25 Apr 2010 07:47:45 +0000

DUI car insurance is quite a significant issue for those charged with drunk driving, DUI, DWI, or other alcohol-related driving offenses. Auto insurance companies including GEICO auto insurance will base their rates on a variety of factors, including driving record.

Drunk driving convictions will cause many auto insurance carriers to drop you like a hot potato as an insured; others will raise the rates significantly. In many cases it may be best not to reveal a pending case to an insurance carrier, simply because without a conviction, there is no obligation to do so.

If an accident is involved in the alcohol-related driving episode, then it becomes even more complicated when to talk with your auto insurance company and when to talk to your lawyer. Therefore, it is critical to consult with a qualified lawyer in your area to determine whether the insurance company can exclude the incident from coverage. In most cases, when someone has a DUI or DWI and gets into an accident, a GEICO auto insurance policy will cover the damage. It is not absolute, but nice to know they stand by their auto insurance policies and can back it up with their strong financial power.

By getting a free, no-obligation quote on auto insurance from GEICO Auto Insurance anyone accused of a DUI / DWI can get information on the specifics of their situation while there is still time to do something about it.

For fast info on some of the top 10 auto insurance companies click on over to Free Advice For Top 10 Auto Insurance Companies.

By: Carley Swift

Obtaining Quality Auto Insurance Quotes

admin — Tue, 20 Apr 2010 12:58:45 +0000

What to know about auto insurance quotes can be important when it’s time to register and then start driving a vehicle on the roads and highways in just about any state. For sure, almost every single state mandates by law that car insurance be carried with one exception and even that state has a law on the books that says a registered owner must prove financial responsibility in case of an accident.

The first thing to understand about auto insurance is that it is all based on risk. What this means is that any auto insurance company will examine the person in the vehicle that the person needs ensured and make a risk assessment. That risk assessment gauges the likelihood that an auto insurance claim will need to be paid at some point in the future.

If the person who needs the car insurance appears to be more of a risk — such as with a person who may have a less than perfect driving record or who has had accidents in the past — then the chances are good that the auto insurance policy may be a bit higher. Also, risk has to do with the kind of car that’s being driven. If it is a super high-performance sports car, it will cost more to insure.

This also goes for the repair ability of the vehicle. Some common and very popular vehicles are much easier to repair and the parts are more available. Other vehicles have higher repair costs and the parts may not be as widespread. Everything, though, about risk will be put together and then a quote will be generated. Those who are in the 16 to 24 age group, it should be said, usually pay more.

This is because that particular age group — according to statistics — tends to engage in the riskiest driving behaviors and have the highest number of accidents of any other group. But, quality auto insurance quotes for people in that age group are still possible if they maintain good driving records and maybe take a state certified safe driving course. This can result in a nice discount.

When it comes to finding good quotes, the Internet will be the preferred method in almost every circumstance these days. And though dealing in person with an agent can sometimes result in the best quote, going online and then finding a website that specializes in gathering together multiple quotes from a number of insurance companies seems to work more effectively in general.

This is probably because insurance companies realize that people today have more choices than ever when it comes to auto insurance and have the Internet to help them find as many quotes as they’d like and with relatively little trouble. Given that, just about every insurance company will put forward the best quote it can for the person who is seeking auto insurance.

Remember, auto insurance is not an optional thing when it comes to owning and operating a vehicle. Most states mandated by law and it would be foolish for those people who own motor vehicles to go without it. Also, auto insurance quotes can depend in large part on the risk that the insurance company feels might be present, so keep that in mind when going online to find a good quote.

By: Adriana N.

DUI Auto Insurance – Don’t Drink and Drive!

admin — Fri, 12 Mar 2010 09:48:45 +0000

Driving under the influence in the USA is a serious offense which carries dire consequences on your DUI auto insurance. It is therefore very wise to reconsider that thought of driving a car even after a ‘small’ drink. Getting auto insurance after a DUI offense can be very difficult. Keep in mind that conviction of the offense could also mean arrest.

On finding out about your offense (and it is not possible to hide as most states require the offender to get an S-R22 form from their insurers), the first thing that could happen is that your auto insurance policy maybe canceled outright. If your insurance company retains you, then your premiums rates will be raised and you are listed as a ‘high-risk’ driver. In the event of a cancellation, you now have to look for another insurer who would willing to take you on. Chances are that they will be some of the less-famed companies, but be sure they will still give you auto insurance at higher rates.

You will go to the added expense of hiring an experienced DWI (Driving While Intoxicated) lawyer to handle your case in court. He or she may help minimize the effects of your conviction, but the impact on your auto insurance record and on your driver’s record will stay with you for a long time. The court could even suspend your driver’s license for quite a while. Did you know that your conviction can also affect the premiums on your life insurance?

According to drunk driving statistics, an alcohol-related fatality takes place every half-hour in the US. Don’t kill yourself and endanger the lives of others. And stay on the right side of your DUI auto insurance. Don’t drink and drive !

By: Maria Mbura

Auto Insurance Savings: Tips for Lowering Your Premium

admin — Thu, 11 Feb 2010 00:20:13 +0000

It’s not exactly cheap to drive and maintain a car these days. As gas prices waver up and down and salaries fail to keep pace with inflation, it seems we’re all looking for ways to cut costs.

For those of us who drive, auto insurance is a necessary requirement enforced by law. Though we hate paying what we sometimes feel are outrageous premiums, the financial protection we gain from those policies is a trade-off we just can’t live without.

Just ask anyone who’s been involved in an accident lately.

But there is good news. As this mobile society struggles to keep up with increasing costs, auto insurance premiums have finally begun a downward trend.

According to one reliable source, the average auto insurance premium fell almost 2 percent last year, to an average of just over $2,300 per household.

That may not sound like much, but it translates to an average savings of $60 a year.

If you weren’t one of the lucky ones who got a pleasant surprise when your auto insurance policy renewed this year, don’t despair. You can still save money on your premium by following a few simple steps:
Comparison Shop. If you have a good driving record and/or buy a safer car, your premium should go down. Plus, with some companies now charging lower rates, increased competition means better auto insurance rates for you! Take advantage of online marketing services like InsureMe.com to find the best auto insurance rates from competing insurers.
Find out what your insurance will cost before you buy that new car. Auto insurance companies typically charge more for cars that are expensive to repair or don’t fare well in accidents. So before you drive off that lot, make sure your new car is considered safe, and relatively cheap and easy to repair by your insurer. This will help minimize risk…for both of you!
Ask your insurer for discounts. These cost-savers can lower your insurance premiums more than you might think:
Combining two or more cars on one auto insurance policy Buying a car with airbags or other safety equipment Installing anti-theft devices in your vehicle Completing a driver’s education course Insuring your home and auto with the same insurer Applying for a mature driver discount (for those between 50 and 65) Getting good grades (for students under 25)
Take the highest deductible you can afford. Your deductible is the amount you pay out-of-pocket, in case of a claim, before your insurance company starts paying its share. The higher your deductible, the lower your premium—it’s as simple as that. Just be sure you’re able to absorb a larger portion of your loss in case of an accident.
Improve your driving record. The more tickets and accidents you have, the more your auto insurance costs. So drive cautiously, improve your motor vehicle record, and inform your auto insurance company of the change. They’ll reclassify you as a safer driver, and lower your auto insurance rates in the process!
Consider dropping comprehensive and/or collision coverage if you drive an older car. Physical damage coverages like these reimburse you for damages to your own car. But if the vehicle you drive is several years old—or worth less than $1,000—it may not be worth much anyway. Dropping such unnecessary coverage can really save you money.
Review your policy regularly, and keep your coverage updated. Your auto insurance rates may fluctuate due to:
Adding or removing a driver from your auto insurance policy Replacing an older vehicle with a newer one Adding or removing a vehicle from your policy Increasing or decreasing the number of miles you drive annually
Talk to your insurer if you encounter any of these situations. Under the right circumstances, you’ll reduce the impact on your wallet—and walk away a few dollars richer!

If you’re looking for ways to counter prices at the pumps—and everywhere else, for that matter—take these tips to heart.

By: Penny Hagerman

Auto Insurance Cost In Florida

admin — Sat, 23 Jan 2010 16:17:09 +0000

As gas prices approach four dollars a gallon, many personal auto insurance policyholders find themselves in a particularly painful kind of trap: most states require citizens to maintain auto insurance. For example, Florida requires drivers to carry at least $10,000 of Florida auto insurance simply to maintain their license. As gas prices eat into family budgets, it can seem impossible to keep gas in your vehicles and auto insurance on your vehicles.

And it’s not just personal auto insurance customers; commercial auto insurance policyholders feel the same crunch. According to the U.S. Small Business Administration, firms with fewer than twenty employees can spend up to 45% more per employee to meet federal and state regulations. Some of those regulations, of course, set the minimal required amount of commercial auto insurance. In light of this information, what can personal and commercial auto insurance customers do to soften the blow?

First, drive safely-and let your insurance company know it. If you’ve been free of moving violations and accidents for the last three years, check to see if your auto insurance policy carries a safe driver discount.

Once you’re focused on driving safely, consider raising the deductible on your auto insurance policies. Although this means you’ll have to pay more in the event of an accident, doubling the deductible on your policy can save you 10% or more on your monthly premiums.

Next, check into moving your auto and homeowner’s insurance to the same provider. Many insurers offer discounts up to 10% for policyholders with multiple policies.

Finally, many auto insurance consumers aren’t aware that insurance companies have begun using credit scores as one factor in setting premiums; if your credit situation is better now than it was when you first acquired your auto insurance policy, make sure your insurer is aware of that fact, or shop your policy around for competitive rates.

By: Cory Waldron

Auto Insurance – Tips For Women Needing Low Rate Coverage

admin — Fri, 22 Jan 2010 19:03:13 +0000

Male drivers usually think that their female counterparts are no match to them when it comes to driving. This may be true, but auto insurance companies do not seem to agree with this view as research has shown that female car insurance policy holders pay less insurance premium than their male policy holders.

Reasons why females have lower auto insurance premium is of course not unconnected with the fact that female drivers have a lower risk of having an accident maybe due to the fact that they are more careful when driving. If you have understood how insurance work, you would know that this singular reason is enough for women to get much lower rates on their car insurance coverage than men.

If you are a female driver reading this and you want to save on your auto insurance policy, then you should read on because the following paragraphs will help you find out how to save more on your auto insurance policy as a woman..

The best way to find cheap auto insurance rates is to get quick vehicle insurance quotes online. Google and other search engines provide you a fantastic opportunity to do just that. All you need to do is just type a phrase like quick auto insurance quotes and results will be provided. You would find many sites on which you can do quotes comparison. Be sure to choose very reputable comparison sites.

Prospective customers can use this free tool on comparison websites and they can get multiple insurance quotes within a matter of minute with a single action. To get this multiple vehicle insurance quotes, all you need do is fill out the questionnaire provided on the site and in minutes your results will be ready.

If all these facts provided are true that women do indeed enjoy a much lower rate on car insurance than men, then women have no excuse not to take advantage of this and even explore more ways to further reduce the even low premium they pay on car insurance.

By: Chimerenka Odimba

Auto Insurance Can Cost Less With These Tips

admin — Sun, 10 Jan 2010 15:05:51 +0000

People today are finding it harder and harder to even save just a few dollars out of their regular incomes. One of the ways people have tried to trim their budgets is by cutting out insurance costs. Insurance can be especially expensive for some people, as costs for home, life, auto and other insurance has grown to reflect the worsening economy. For those looking for any ways they can possibly keep a few more dollars in their pocket while still meeting their insurance needs, there are a few ways you can still save some money.

The best car insurance companies will also offer discounts if you have a shorter commute. In general, insurers will offer lower rates if your daily commute is less than forty miles per day, as driving less than this distance offers a lower chance of being involved in an accident. Many urban areas also set insurance rates based on distances between your home and various freeways, so be aware of the roads around where you live.

The biggest cost savings that you can get for your auto insurance policy is through increasing the deductible you pay. By increasing the deductible, you take on some extra burden for costs in case of an accident in return for a lower cost for coverage if the car is involved in a major collision. Increasing the deductible from the standard one hundred dollars to one thousand dollars can net a savings of thirty percent per year.

Keeping your driving record clear can substantially decrease your monthly auto insurance premium. How well you drive and the number of accidents and tickets you have received all change the price you are forced to fork over every month. Stay away from accidents and speeding by practicing safe, defensive driving practices and reducing your overall accident risk. Some places even offer cash incentives for those who can keep their records clean! This is a good way to get money right back into your pocket.

You can manage to get cheap car insurance by not having to pay for superfluous extras on your policycoverage. Numerous insurance firms provide features like emergency highway assistance, and such items can make your rates considerably higher each month. While lots of drivers think they require those services, they don’t necessarily take advantage of them and you should therefore think twice before signing up for them.

Following the supplied tips to choosing good auto insurance, you can ensure that you hold onto more of your money to use for other things besides funding your insurance. Having insurance doesn’t need to break your wallet. To avoid this, you just have to pay attention to what you’re getting and how much you are paying for it.

By: Alisdair Cosgrove

Updating Auto Insurance Policy is a No-Brainer

admin — Sat, 09 Jan 2010 22:49:13 +0000

While an auto insurance policy is the most important possession a driver occupies, it’s astonishing how many forget to renew their policy annually. In fact, many drivers wait years before they finally decide to update the coverage on their vehicle. Don’t fall into that category – call your auto insurance agent today and discuss any amendments you want made on your auto insurance policy.

Rejuvenate Your Auto Insurance

If you’re not convinced that updating you insurance policy is in your best interest, here are some reasons to convince you otherwise:

1. Coverage gaps. Your policy might be full of coverage loopholes, gaps in your policy that seem to show themselves at the worst times. By talking to your agent, you can avoid being a victim of gaps.
2. Old coverage. Everything changes over time. Your auto insurance policy is no exception. Annually reviewing your terms, limits and coverage may result in you saving money on your premium. If you own an older car, chances are you don’t need as much comprehensive coverage as you currently have. Why not look into updating your coverage and possibly saving you hundreds of dollars a year?
3. Changes in economy. In the midst of a failing economy, more and more drivers are opting to drop their car insurance altogether. Not a good idea – uninsured drivers are 10 times more likely to get into an accident. If you get uninsured/underinsured motorist coverage added to your auto insurance policy, you can be protected against the uninsured.
4. Wrong fit. When reviewing your policy, you may realize that your current insurer is costing you too much. It may be time to consider another insurance company. Shop around for car insurance quotes by going on-line. After filling out a short form, your inbox will be flooded with a wide array of quotes from multiple insurance agents.
5. Change in driving. Just because you bought your auto insurance policy five years ago doesn’t mean you are the same driver now. You might not even drive as much anymore. It’s in your best interest to update your insurance policy to reflect this significant change. Many insurers offer a considerable discount for low-mileage drivers.
6. Better discounts. If your insurance company is offering new deals or discounts, don’t hesitate to ask about them. You may be able to get additional coverage on your auto insurance policy for a lower rate, depending on what kind of discount is being offered.
7. Riders. Although adding riders to a policy can add up, they are necessary if you want to protect something in your car, such as a new stereo system. If this is the case, you should consider purchasing a rider, which is an amendment to your auto insurance policy that either adds or deletes coverage. Check with your agent about getting an car insurance quote so you have an idea about what effect a rider will have on your premium.

Stop wasting time and update your policy today! You can be confident that you’re getting the most convenient coverage at an affordable price.

By: Tom Lustina

Auto Insurance Policy Coverage Basics

admin — Thu, 07 Jan 2010 05:05:28 +0000

While most people think of insurance as either being “full coverage” or “liability only” I thought it would be a good idea to lay out a basic outline of what options are available with an Arizona Auto Insurance Policy. Insurance is regulated by each state so if you’re outside of Arizona these may be different.

Liability Coverage – You have two types of liability coverage: Bodily Injury Liability and Property Damage Liability. Bodily Injury Liability pays for damages to other people you injure when you’re at-fault for an accident. It will not pay for your damages. Property Damage Liability will pay to repair the things you hit like cars, lightpoles and other people’s personal property. This is the only coverage required by the state of Arizona and the minimum required limits are $15,000 per person/$30,000 per accident of Bodily Injury Liability coverage and $10,000 for Property Damage Liability coverage.

Uninsured and Under-insured Motorist Liability Coverage – Unlike many other states, Arizona breaks these coverage options into two separate options Uninsured and Under-insured. One of the coverages would pay damages to you or your passengers if you’re hit by someone that didn’t have any Bodily Injury Liability coverage (uninsured motorist) or if they didn’t have enough Bodily Injury Liability coverage (under-insured motorist) to pay for your injuries. This coverage does NOT pay for any damages to your vehicles and is not required by Arizona law.

Medical Payments – This coverage option will pay for medical bills only regardless of fault or reason as long as it’s an auto related claim. If someone is injured getting in or out of your vehicle this could pay for medical bills they incur. In Arizona, it can also pay a death benefit if you or a passenger is killed in a covered claim.

Collision Coverage – This coverage basically pays for damage to your vehicle for any collision claim if it’s your fault or not. If you hit another car, another car hits you, or you drive into a toolbox in the middle of the road, it would be covered under your Collision coverage option and would be paid minus your deductible.

Comprehensive Coverage – This basically pays for damage to your vehicle for anything other than a collision. So, if a tree falls on your car, or it gets vandalized or stolen, it would be covered under your Comprehensive coverage option. Claims would be paid by the insurance company minus your deductible. You also have the option to purchase a waiver your deductible for glass only losses.

These are the key components that make up the basic coverage options available to you on an Arizona Auto Insurance Policy. If you’re coming from another state, remember Arizona breaks out Uninsured and Under-insured Motorist Coverage into two separate coverages and does not offer Personal Injury Protection coverage. Keep that in mind when getting quotes.

Last, this is a very simple, plain English explanation of the policy and you should always contact your agent for all coverage details and make sure you’re covered correctly.

By: Matthew Fox

Auto insurance news guide

admin — Wed, 06 Jan 2010 11:59:59 +0000

Auto insurance is another name for security of your vehicle. As the name suggests auto insurance is all about insuring one’s vehicle against all kinds of threats for instance theft, accident and other related dangers. The basic types of auto insurance coverage are -

1. Bodily injury liability, which provides coverage for bodily injury claims from the people who might get injured in an accident with your vehicle.

2. Property damage liability covers any property damages to third parties such as another person’s car you damaged or are responsible for.

3. Medical expenses to the policy owner and other passengers in the policy owner’s car.

4. Uninsured and underinsured motorist coverage saves the negligent driver with or without insufficient insurance. In most states, this covers only bodily injury losses while in other cases property damage losses are also included. However it is quite important for everyone to get this coverage because it protects us from all expected as well as uninvited problems. For instance at some places an uninsured motorist caught driving with a suspended license in a car with a revoked registration goes to jail.

5. Physical damage stands for damage to your car that can be through accident or any other means such as collision, storm etc. In this the collision coverage pays for the physical damage caused to a person’s vehicle through collision.

However prior to purchasing an auto insurance policy there are quite a few things, which should be borne in mind. For instance- shop for the best policy available, always ask for high deductibles, check the insurance of the car or any other vehicle prior to purchasing it, coverage of the car varies with its worth, the profile of the company through which you will buy the insurance and last but not the least go with a low cost auto insurance for instance at places such as Santa Clara, San Marino Mateo and Alameda counties low cost auto insurance has arrived at premium rate of $322 and $355 respectively.

Whereas the auto insurance rates are concerned the American Farm Bureau suggests that the insurance rates for a driver should be based on the risk of that the driver should be based on the risk that the driver confronts for having an accident or loss and since rural drivers in the rural areas are less prone to risks, they should not be asked to pay more for their auto insurance.

In California there is a debate over the auto insurance policy rates. While on the one hand due to the rules offered by California Department of Insurance the rates of auto insurance are expected to touch the sky, on the other hand the California Farm Bureau strongly opposes it and claims that the new rates presses rural residents to shell out more money in order to subsidize the cost for urban residents.

However nowadays auto insurance companies are troubled with excess of crime or fraud in this area. Lately in North Carolina thirteen people were arrested accused of staging motorcycle wrecks to collect insurance money. Many such cases are reported in other parts of the world. As a result the government of different countries is looking for ways and means to combat the crime situation.

By: Mansi Aggarwal