Whether you drive a brand new vehicle or a 20-year-old jalopy, hitting
the road requires buying at least minimum levels of insurance coverage.
But if you're like most people, you probably don't know what your options are or what coverage you're required to carry, let alone how to get insured without spending a fortune.
Get the Best Price
During tough times like these, insurance companies need your business just as much as you need insurance. This can lead to cheap car insurance rates you might otherwise never expect.
If you're willing to learn, take advantage of a competitive marketplace and compare quotes from more than one insurer, we can help you find the right policy now—affordably, quickly and easily.
So read on for tips and tricks to getting insured, then request your free quotes above. The road to savings starts here!
Secrets You Should Know
Before you accept just any old policy sitting on a shelf, there are some things you should know about insurance rates, the factors that affect your premiums, and how to be your own best advocate when it comes to pricing, namely:
◦Insurers determine premiums mainly by ratings. You're rated according to the amount of claims risk you present, then grouped with others like you with similar risk rates. Factors like age and gender, where you live, your driving record, your marital status, any prior insurance coverage, how far you drive annually and your vehicle's make and model all affect your ratings.
◦Discounts can dramatically lower rates. Insurers reward those considered low risk with discounts that can translate into amazing savings. Some of those available include multiple vehicles, educated driver, good student, safe vehicle, low-mileage and multiple policies.
◦Each state sets its own insurance requirements. Depending on whether your state is a tort or a no-fault state, the type and amount of car insurance you're required to carry by law varies. Check with your state insurance department to find out how your state operates and the legal limits that apply.
◦Consider optional coverage for your own protection. Unless you drive an older vehicle, you'd be wise to purchase collision and comprehensive coverage for your car. Collision covers damage when your vehicle impacts another car or fixed object, and comprehensive pays for damage from almost all other causes.
◦Compare multiple quotes before making your final decision. By comparing rates and policies side by side, you can get insured more cheaply than ever before. All it takes is a few minutes, some basic information and wise decision-making.
Now that you better understand your options, it's time to get insured. So for maximum savings, drive safely, avoid tickets and accidents, and heed these secrets to saving money on auto insurance. Then request your free quotes today—and watch the savings stack up.
But if you're like most people, you probably don't know what your options are or what coverage you're required to carry, let alone how to get insured without spending a fortune.
Get the Best Price
During tough times like these, insurance companies need your business just as much as you need insurance. This can lead to cheap car insurance rates you might otherwise never expect.
If you're willing to learn, take advantage of a competitive marketplace and compare quotes from more than one insurer, we can help you find the right policy now—affordably, quickly and easily.
So read on for tips and tricks to getting insured, then request your free quotes above. The road to savings starts here!
Secrets You Should Know
Before you accept just any old policy sitting on a shelf, there are some things you should know about insurance rates, the factors that affect your premiums, and how to be your own best advocate when it comes to pricing, namely:
◦Insurers determine premiums mainly by ratings. You're rated according to the amount of claims risk you present, then grouped with others like you with similar risk rates. Factors like age and gender, where you live, your driving record, your marital status, any prior insurance coverage, how far you drive annually and your vehicle's make and model all affect your ratings.
◦Discounts can dramatically lower rates. Insurers reward those considered low risk with discounts that can translate into amazing savings. Some of those available include multiple vehicles, educated driver, good student, safe vehicle, low-mileage and multiple policies.
◦Each state sets its own insurance requirements. Depending on whether your state is a tort or a no-fault state, the type and amount of car insurance you're required to carry by law varies. Check with your state insurance department to find out how your state operates and the legal limits that apply.
◦Consider optional coverage for your own protection. Unless you drive an older vehicle, you'd be wise to purchase collision and comprehensive coverage for your car. Collision covers damage when your vehicle impacts another car or fixed object, and comprehensive pays for damage from almost all other causes.
◦Compare multiple quotes before making your final decision. By comparing rates and policies side by side, you can get insured more cheaply than ever before. All it takes is a few minutes, some basic information and wise decision-making.
Now that you better understand your options, it's time to get insured. So for maximum savings, drive safely, avoid tickets and accidents, and heed these secrets to saving money on auto insurance. Then request your free quotes today—and watch the savings stack up.
Saturday, November 20, 2010
Why Mandatory Car Insurance Hurts Good Drivers
The problem as regards mandatory insurance — and specifically, mandatory
“high coverage” insurance such as my reader wants, is that it assumes
we’re all dangerous/reckless/inept — and makes us pay through the nose
accordingly.
But why should responsible drivers who do pay attention to their driving, who are skilled and attentive and who never get into at-fault accidents (millions of such people exist) be compelled to pay big bucks for insurance coverage that is massively expensive precisely because it is compulsory and forces them into the same risk pool with the irresponsible few such as the person who hit the guy in my example?
Granted, there is always some risk an accident or injury may occur — no matter how good the driver — anytime a person gets behind the wheel. But is it reasonable to base law on the exception rather than the rule? To require that people — everyone — insure against any conceivable risk, and to an extent that assumes the absolute “worst case” scenario?
Most of us have to strike a balance between our means and what we spend on various things. Many people would probably prefer to throw say an extra $50 each month at their mortgage balance (or the family food budget) rather than literally throw it away on an over-priced, compulsory insurance policy they will probably never need.
But why should responsible drivers who do pay attention to their driving, who are skilled and attentive and who never get into at-fault accidents (millions of such people exist) be compelled to pay big bucks for insurance coverage that is massively expensive precisely because it is compulsory and forces them into the same risk pool with the irresponsible few such as the person who hit the guy in my example?
Granted, there is always some risk an accident or injury may occur — no matter how good the driver — anytime a person gets behind the wheel. But is it reasonable to base law on the exception rather than the rule? To require that people — everyone — insure against any conceivable risk, and to an extent that assumes the absolute “worst case” scenario?
Most of us have to strike a balance between our means and what we spend on various things. Many people would probably prefer to throw say an extra $50 each month at their mortgage balance (or the family food budget) rather than literally throw it away on an over-priced, compulsory insurance policy they will probably never need.
Thursday, July 22, 2010
How Can I Prepare for an Earthquake Disaster?
Unlike weather events, earthquakes strike without warning, sometimes leaving devastation and heartache behind. Usually, earthquakes in the U.S. occur along the West Coast. However, earthquake potential exists in all states. Although nothing can stop an earthquake, careful preparation and planning can make a difference when it comes to protecting your home and family from the effects of an earthquake.
Preparation Tips
- Develop
an earthquake safety action plan for your family identifying places
that can provide the highest amount of protection during an earthquake
as well as an escape route and off-premises meeting place.
- Become familiar with your community's disaster preparedness plan.
- Teach family members how to shut off water, gas and electricity to the house.
- Purchase at least one multi-purpose dry chemical fire extinguisher.
- Install smoke detectors and change the batteries every six months.
- Prepare an emergency supplies kit including a three day supply of
bottled water and non-perishable food, as well as a manual can opener,
paper plates, cups, utensils, first-aid kit, flashlight and
battery-operated radio with extra batteries.
- Retrofit your home's structure to better withstand the forces of an
earthquake. This is a job for a professional architect, engineer or
building contractor.
- Retrofit nonstructural areas of your home to protect your personal property.
- Attach cabinets and bookcases to the wall using brackets.
- Secure heavy objects (e.g. television, stereos, computers, armoires) with brackets or safety straps.
- Secure picture frames, bulletin boards and mirrors to walls using closed eye screws into wall studs.
- Secure ceiling lights to supports using safety cables.
- Apply safety film to windows and glass doors.
- Anchor large appliances (e.g. refrigerator, stove) to walls using safety cables or straps.
- Install flexible gas lines and automatic gas shutoff valves.
- Tack down glassware, heirlooms and figurines with putty.
- Install latches on kitchen cabinet doors to prevent items from falling.
Safety Tips
- At
the first sign of an earthquake, drop and take cover under a sturdy
piece of furniture or against an inside wall away from objects that may
fall on you.
- Sit or stay close to the floor and hold on to furniture legs for balance.
- Use your arm to cover and protect your eyes.
- If there's no sturdy furniture nearby, kneel or sit close to the
floor next to a structurally sound interior wall away from windows,
shelves, or furniture that could fall and place your hands on the floor
for balance.
- Stay away from doorways, violent motion could cause the doors to
slam against your body, crush your fingers or inflict other serious
injuries.
- Do not run outside.
- If outdoors, quickly move into the open, away from electrical lines, trees and buildings.
- If driving, bring your vehicle to a stop at the side of the road away from traffic.
- Do not stop on or under bridges, near or under power lines or road signs.
Recovery Tips
- Be alert for aftershocks.
- Look for injured victims and administer first aid.
- Pay attention to damaged utilities. Avoid loose or dangling electric
power lines and report all gas and electrical problems to the proper
authorities.
- Turn off any damaged utilities.
- Check for fire hazards and use flashlights instead of candles or lanterns.
- Wear protective shoes. Have them by your bed in case the earthquake happens in the middle of the night.
- If your building is sound, stay inside and listen for radio advisories.
Special Thanks to the Following Organizations for Their Contributions to This Information.
American Red Cross
U.S. Geological Survey
Federal Emergency Management Agency (FEMA)
California Seismic Safety Commission
California Contractors State License Board
Institute for Business and Home Safety
Tuesday, July 13, 2010
Auto Insurance Quotes are Cheaper in Massachusetts?
According
to a recent study, in Massachusetts people get the most inexpensive
auto insurance quotes. Compared to the rest of the USA, it is cheaper to
buy insurance in a state like Massachusetts. In contrast the most
expensive auto insurance quotes are found in the state of Louisiana.
Most of Americans have a car, but owning it isn’t just a one time
payment thing, even if you aren’t paying on installments, because there
are many other factors that contribute to the expenses of a car.
People
have to take into consideration the costs they need to pay for regular
maintenance, or any fixes that occur when the car is down, and auto
insurance is a necessary thing and it has proven to be something that
has contributed to the consumer expenses from time to time. People
sometimes wonder if they are paying the same insurance for their car as
the people from other states. Auto insurance quotes are different from
state to state and you would be surprised to find out that a neighboring
state gets a cheaper insurance. InsWeb conducted the study that
revealed Massachusetts as the state were auto insurance quotes are the
most inexpensive.
InsWeb
conducted the study based on the use of an affordability factor
calculation. The way this works is by taking the media auto insurance
rate for each state and dividing it by the median household income. The
results showed that Massachusetts had the lowest factor, and this
indicates a lower average family spending on auto insurance. However the
results in other states were quite different, and the state of
Louisiana had the highest factor, indicating that in this state people
are paying more than in the rest of the country for auto insurance.
It
is recommended that before buying an car insurance, you should try and
get quotes from a couple of different insurance companies.
Thursday, January 7, 2010
Car Insurance Price May Go up in 2010 in USA
Car insurance cost may go up in 2010. This is bad news. The main reason
for this thing is perhaps economic recession that hurt USA. The states
of Wisconsin and Louisiana will be raising minimum liability limit
requirements which may cause a raise in current premiums. As of January
1, 2010, your Insurance rates will g up. Now is the best time to look
into getting cheaper car Ins.
Get your free quote today...and...Save Money
Get your free quote today...and...Save Money
Wednesday, December 16, 2009
Find Cheap Auto Insurance Rates Online
You seem to be on the right track if you're looking for cheap car
insurance. To locate the company who will offer the cheapest rates for
the coverage desired. Take a few minutes to get a free quote comparison
and reap the benefits all year long. Save your money for something else
you’d rather spend it on.
Your car insurance rate will depend on many factors, including where you live, your driving record, your age, your car and what coverage options you choose. So even though a friend or relative got a great rate, you still need to compare rates to find the one that best fits your circumstances.
Be sure to look around to get the best deal for your money. There are many companies to choose from. Just take the time and fill out a free quote. It could save you $100's.
Your car insurance rate will depend on many factors, including where you live, your driving record, your age, your car and what coverage options you choose. So even though a friend or relative got a great rate, you still need to compare rates to find the one that best fits your circumstances.
Be sure to look around to get the best deal for your money. There are many companies to choose from. Just take the time and fill out a free quote. It could save you $100's.
Tuesday, November 10, 2009
Esurance
Did you know that if you Switch to Esurance from your
current car insurance carrier
you can get a discount....
current car insurance carrier
you can get a discount....
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