Archive for September, 2009
Now that we have talked about two myths about car insurance, let’s go ahead and discuss a few more! The first being that no fault insurance actually means that it is not your fault; for new drivers, this is usually what they think. No, that is not what it means; it actually means that your car insurance company will pay for the damages regardless of who’s at fault.
Next, your car insurance rate is not set by the government. Many – many people believe that this statement is the truth and to be quite frank, it isn’t. Your state’s insurance department only regulates the rates that the car insurance companies are allowed to charge, but as far as your premium – it is based off of your marital status, gender, age, where you live and your driver record.
That’s all for the myths that we have now! If you come across any more or have questions, I’d be happy to clear anything up for you!
September 29th, 2009
In this blog – it is our job to uncover everything that you will ever need to know about car insurance. Well, did you know that there are actually many different myths about car insurance that drivers believe to be true? Well, I am here to put those myths to rest and to shed some light on the truth. Keep reading along, because I promise some of the answers will surprise you.
Many drivers believe that their credit score is not something that is going to affect their car insurance premium – false. Actually, your credit score is something that will absolutely affect your car insurance premium, if you have good credit you could even get lower car insurance premiums.
Next, even without comprehensive coverage – if you get hit by a deer, hail, a windstorm or even theft, your car is not going to be covered. You need to purchase both collision and comprehensive car insurance to cover everything!
September 28th, 2009
Understanding is essential. Rather than simply being told that you have got to have car insurance, it is vital that we understand exactly why that is.
Well, for one thing, as briefly mentioned, authorities are now taking it far, far more seriously when a registered driver does not have insurance on his or her vehicle. For example, in the UK, the DLVA intends to start comparing all registered vehicles with names in the Motor Insurers Database. Uninsured drivers will first receive a reminder; if they fail to obtain insurance after that, they will face hefty fines.
Besides that, uninsured drivers make things more expensive for drivers who do have the proper coverage on their vehicles. They actually play an active role in driving up the cost of insurance premiums. In other words, a few bad apples are definitely ruining the bunch.
September 17th, 2009
Going uninsured can be hazardous to your health, to the health of other drivers — and to your bank account as well.
We all hear that all the time, right? Hearing it is one thing; understanding why is something else altogether.
However, right now, all over the world — in the United Kingdom, England especially, in Canada, the United States, and goodness knows how many other places — authorities are cracking down on registered drivers who are driving uninsured vehicles.
In the United States, you cannot get a driver’s license if you do not have insurance. However, just because you have insurance at the time does not mean you will keep it.
In one way, it is understandable: the economy is still rather shot, premiums are going up, and a lot of drivers undoubtedly feel like they can afford to go uninsured.
But the consequences to that can be dire, in any number of ways.
September 15th, 2009
So let’s have a chat about keeping your eyes on the road. I am the type of person that can not – for the life of me keep my eyes fully on the road. I am either concentrating on what music I am listening to – rubbing necking because of an accident or finally because I get bored; do you get bored while driving? That is the number one reason for accidents – because people can not seem to pay attention to the road.
Did you know that if you do pay attention to the road, you could actually save some money on your car insurance? To be honest, car insurance companies all over the place are adopting the ‘safe driver discount’. Major companies like Progressive and State Farm have been offering up these discounts and they have spread throughout the insurance world like wild-fire.
So next time you are playing a me, and rubber necking – think twice about it because you really could save some cash!
September 9th, 2009
Now I know – there are a lot of different car insurance companies out there … a hell of a lot of them actually. Which one do you choose? Well, that can be the question of the hour because all insurance companies are different, cover different things and certainly offer up different rates. This is one of the major reasons why you should be paying attention to the car insurance advertisements that you see.
To me – a car insurance company that advertises is worth looking into. To be perfectly honest, I think that car insurance companies that advertise are not only trying to get the word out there about their service, but most of the time they list off their services, which is really good.
So next time you see a commercial for car insurance – make sure that you pay attention to it for it could be valuable!
September 8th, 2009
