CAR AND AUTO INSURANCE : The Most Convenient Way to Buy Auto Insurance

As the internet gains popularity, more people are gaining the confidence of using the internet to make important financial decisions such as purchasing auto insurance online. The internet gives us tools and resources that in the past, we did not have instant access to. The internet allows you to instantly access important information such as company background, legality, feedback and any there information you desire. At our fingertips, the internet allows us to make more financial decisions online than ever before because we have more information than we’ve ever had instant access to .

The. In 1999, auto insurance agencies were limited to looking up contact information online; now, the amount of online interaction with the client has dramatically increased. Based on the pace that online auto insurance has progressed, experts foresee the future of auto insurance dominantly online.

Because of the convenience, consumers will increasingly realize all the benefits buying auto insurance online carries. In regards to buying auto insurance online, not only does the internet allow us:

* Make Auto Insurance Policy Changes Online

* View your Payment History

* Inquire on Billing History

* Submit Questions Instantly

* Request Online Auto Insurance Quotes

* Buy Auto Insurance Online

* Make Auto Insurance Claims Online

Managing your auto insurance will make your life easier. Imagine getting home to your computer and managing your bank account , paying your bills online, managing your auto insurance online, and booking your favorite restaurant for dinner. Well, you can say the future is here. Today you can manage most of your accounts online, including your auto insurance.

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CAR AND AUTO INSURANCE : Shopping for car insurance can be a big undertaking

It can be daunting at times but is very important. There are now many ways to get yourself insured and the coverage you need.

Smart customers know it pays to do a little research before buying car insurance. Just based on the price of the insurance rates today, why not take the time to check the rates with several companies. Researching companies holds true for renewals as well. You can get a feel for the insurance market and find out if you have the best rates. If your current policy is already cheaper you know you are doing all right.

The first and best way to find out what is out there is to go through your local phone book. Most, if not all, companies will give you quotes right over the phone. This way you can run down the list and get multiple rates right away. One thing to remember is to compare apples to apples. This means make sure you are getting the price for the same type of coverage.

Full coverage for one company is not the same as for another. Limits are important to look at as well. Bodily injury with company A may be a little cheaper then B but their coverage may be only 10,000/20,000 while B's is 100,000/300,000. You want to make sure you are aware of the coverage you are have and that you want the type of insurance you are getting a rate for. You can always adjust your policy up or down to meet your needs. Before adjusting it down consider that you may save a few dollars now by lowering coverage but during a claim be unhappy that the limits paid are lower then your damages. Always, always buy as much insurance as you can afford.

Another way to find companies in your area is to go online. The Internet is an excellent tool to help you shop around. You can look up many carriers and may even be able to run quotes yourself. There is no waiting on hold and you can usually do it 24 hours a day. You do not have to wait for an agent to help you or call you back if he or she is busy. You can print out lists and easily compare prices.

Online you can also check the credentials of the company. You can look to see how long they have been in business and find locations. You can find companies that are not in your local area but can serve you just as well. Some companies allow you to start your policy right on the computer for added convenience. You can get your quote, enter your information and activate your policy immediately. Proof of insurance usually can be printed right from your home computer's printer.

Driving around town may also afford you the chance to find a company that is close to you. An agency close to your home or job is convenient. Agencies close by also let you make payments right in the office and lets you get to know your agent. This way however does give you a limited amount of choices and prices may not be as good as you may get by calling around.

Is one way better then the other? Well that is up to you. Some people just want to get the process over and done with. Some people want the best rate available. Some want the best and most coverage available. The answer is whatever is most comfortable for you is what you should go with.

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CAR AND AUTO INSURANCE : Making Sure You’re Properly Covered

When it comes to auto insurance coverage, there are many drivers out there unaware of potential uncovered losses. The problem today, is that many are driving comfortably thinking that in case of an accident, their policy will take care of all damages.

This can definitely be a dangerous situation because in case of an accident, the realization that you will have uncovered losses becomes known.

It’s not too late to take a second look at your auto insurance coverage and understand what your policy covers and what is not covered in case of a claim. Get your policy declarations page which would show you what coverages you have and lets look at the coverage together.

A declarations page usually will include a description of the included vehicles and it will include the premium for each vehicle and the coverage included. Each vehicle can have unique coverage so is important to understand each vehicle’s coverage.

For example, most vehicles will have at least liability coverage (in most states) and will have an abbreviation of coverage as this example shows:

* $35,000 each accident, per person
* $50,000 each accident, multiple persons
* $35,000 each accident for property damage

This above example is the liability portion of your coverage. If this is the only coverage you have, it is important to realize that your vehicle will not be covered for losses such as theft, at fault accidents, vandalism and other vehicle damages and your medical injuries will not be covered in case of an at fault accident.

Many are not aware that if an accident’s damages exceed the policy protection amounts, a policyholder may be left owing the uncovered damages; therefore, it is a good idea to obtain auto insurance quotes on higher limits. Most policies can be raised to an amount where you could be more properly covered and comfortable with the protection amounts.

Other coverages you may have are medical payments which pay your and your passenger’s injuries. One thing to look out for is that this coverage generally is quite low, for example $5,000. This will not usually pay for serious injuries; therefore, if you want to cover your personal injuries in case of an at fault accident, you should consider purchasing a health policy on the side, or you may already have one through your employer.

Another coverage is Uninsured Motorist coverage. Many consumers are told that this would cover your vehicle and your injuries if you were to get hit by a driver with no insurance coverage or if you get hit by a hit-and-run driver. Be aware that there are limitations to this coverage which should be listed in a similar format as your liability coverage. Also be aware that in case of hit-and-run, you must get a license plate number for the coverage to kick in. Speak with an agent for further details and the exact situations it may or may not cover.

Does your policy include a rental vehicle in case of an accident? It is often that policyholder find out that they do not have a rental vehicle during their vehicle repairs after the fact. You may say “My agent never told me I didn’t have rental car coverage!” Before that happens, take a look at your declarations page, if it’s not in there, add it if you wish.

Comprehensive and Collision coverage is what pays for your vehicle repairs. Be aware that it normally covers the blue book value of your vehicle and not what you may still owe to a finance company. Contact your finance company and ask them for “GAP” coverage so that you wont be left owing interest on a vehicle you do not have due to a total loss.

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CAR AND AUTO INSURANCE : INSURANCE FOR YOUR PARENTS

Who can you talk to about auto insurance? Insurance agents are a good source. However, due to their life lessons, their love, and their own financial responsibility, parents are an invaluable source to talk to about auto insurance.

Auto insurance is risk transference. This means you are transferring the risk of financial loss from an accident to a company for the cost of a premium. You should purchase the amount of insurance you can afford.

If you purchase too much insurance, you run the risk of not being able to make your monthly payments and your policy's subsequent cancellation. And, as a result, you will have no insurance at all. If you do not purchase enough insurance, you run the risk of financial ruin when an accident occurs, when you could have afforded the extra coverage.

Insurance agents are a good source to help determine your insurance needs. They can explain the various types of insurance coverage to you. They can often offer you the types of coverage you are looking for to meet your financial needs. They can also find companies that are flexible when it comes to making changes to your policy when your insurance needs changing.

Insurance agents can give you other pertinent information about insurance companies. Part of their job is to answer questions you might have concerning insurance and the different types of coverage that are available to purchase for your vehicle. They are licensed by the state in which you live and they drive on the same streets you drive on so you should not be afraid to ask them questions.

However, parents are an invaluable source when it comes to getting advice on your car insurance needs. I realize that your parents were most likely raised in a previous generation and the gap from their generation to yours could lead to a viewpoint on life-matters which differ from your standpoint.

A difference in opinion between you and your parents is probably true on many matters. And as a result, this might have led to a decline in communication with them. However, their life experiences and closeness to you make them the perfect candidates to talk you about auto insurance. Their experiences over the years have given them an invaluable amount of wisdom. Also, since they love you, you know that their advice will also come from their hearts (besides their heads).

Besides their wisdom and love, parents may also have a financial interest in you. If you are a dependant or a minor, the state in which you live may hold your parents accountable if you are involved in an accident. As a result, they may require you purchase enough insurance to protect their financial assets as well as your own. And if they want you to purchase more insurance than you can afford, to protect their financial interests, they may help you with your premiums.

When it comes to discussing auto insurance, agents are a good source. However, due to their life experiences, their love, and their own financial responsibility, your parents are an invaluable source. Take a couple of minutes and ask your parents their thoughts on insurance. That couple of minutes might save you a couple of dollars, or a lot more, in the long run.

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CAR AND AUTO INSURANCE : Compare Online Auto Insurance Quotes from Multiple Companies

You chose to go online for your auto insurance quote? Good call! Online is the best way to receive quotes because the Internet and car insurance mix like peas and carrots.

It’s like having a free tool for comparing rates from different companies without having to send your information to each one individually. By using the web you can get your online auto insurance quote instantly by just completing one form.

It goes like this:

1. You answer a quick questionnaire on drivers, cars and coverage and hit “give me rates”;
2. In a split second, online programs use your information to generate quotes from leading companies;
3. Your compare auto insurance quotes online instantly and choose the one that’s best for you;
4. Purchase your policy online (optional);
5. Receive instant proof.

Throughout the whole process, you don’t even have to pick up the phone, it can all be done online. If you take time to read Government issued guides, you will notice that a common tip is to compare rates from multiple companies to find out which will offer you the cheapest rates. Compare auto insurance quotes online in order to quickly see who will insure you for less.

You don’t have to compromise quality to find competitive rates. There are a few insurers out there that are considered reputable and have a strong foundation and over all, are reliable.

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CAR & AUTO INSURANCE : How to Compare and Find an Affordable First Insurance Policy for Your Car

Getting your first insurance policy for your car may not be a priority, but it should be. Your first car insurance policy protects one of your first investments, your car. But buying your first insurance policy for your car can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable car insurance available to them.

Shopping for Your First Insurance Policy: Who Needs Car Insurance?

The question asked by most people shopping for their first insurance policy is who needs an insurance policy and why? The answer is simple: it’s the law. The DMV (Department of Motor Vehicles) requires that you take financial responsibility for owning and operating a car in all fifty states. Car insurance protects you when you cause property damage or bodily injury to someone else when driving your car. If you are caught driving without car insurance you will be charged hefty penalties. Violators can face up to hundreds of dollars in fines for a first time offense. Also, if you are involved in an accident and do not have car insurance, your license may be suspended whether you are at fault or not.

Understand Your First Insurance Policy

Now that you know you know how important it is to get your first insurance policy for your car, you will want to understand how car insurance works before you start deciding on which company you will choose for your first insurance policy. The best place to start is Auto Insurance 101. This article will take you step by step in understanding car insurance. Once you understand how car insurance works and have an idea of what type of car insurance you need, you are on your way to the next step of finding the best and most affordable car insurance for you.

Just Because it is Your First Insurance Policy, that Does Not Mean You Have to Pay Too Much

This is often where first insurance policy buyers get sucked into paying too much for their car insurance. Don't just assume since you are purchasing your first insurance policy that you will have to pay extremely high premiums. Yes, you will pay higher premiums than people who have had car insurance for some time, but that does not mean you can not find affordable car insurance. You ask then how does one find the best and most affordable car insurance? Here is a checklist of ways to find affordable car insurance and the best first insurance for you:

Tips for How to Find the Best Affordable First Insurance

1. Compare first insurance rates online and locally.

2. Know what you need and how much of a first insurance policy so you don't buy more than you want.

3. Tell the car insurance company that you are comparing X amount of companies so they know that you are looking for the best deal.

4. When shopping online or locally for your first insurance policy, make sure you know what car insurance discounts you may be eligible for. If you are unsure, ask the insurance agent of all their discounts.

5. If you are choosing full coverage car insurance, remember the higher your deductible, the cheaper your car insurance premium will be.

6. If you feel an insurance company or agent is treating you unfairly or breaking the law, know how to file a complaint.

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CAR & AUTO INSURANCE : How to Compare Auto Insurance quotes online

Comparing online car insurance quotes is easier than most people think. An estimated 30% prefer to talk to an agent, buy why? Most likely because they still need to learn how to do it online. It’s as easy as any other method out there and it’s actually faster.

Here’s how to compare auto insurance quotes online:

1. First you need to make sure you have available the required information for your quotes. No personal information is required; however, you do need to provide important info which will be used for the purpose of the rate quotation such as:
* Driver data such as dates of birth, marital status, driving record history about tickets or accidents within the past 7 years.
* Vehicle data such as garaging zip code, year - make - model and sub model (you may choose to enter the VIN number for automatic model matching)
* Coverage desired - there are many types of coverage available so be sure to know about them. For more information, visit the learning center to read about the available coverage options.
2. Once you have the required data and have made a decision about the type of protection desired, start the car insurance quote comparison online to receive instant rates by entering your zip code and hitting the “GO” button.
3. Answer the basic questionnaire about the cars and drivers on the policy which will only take minutes.
4. Once the form is completed it is time to compare auto insurance from the variety of companies. Keep in mind other factors than just price by looking a bit further into the company history. Ask a friend if they or anyone they know has any feedback on the carrier.

It really is simple. No computer skills are required. It’s just answering questions online instead of an agent. Don’t worry, if you have questions about the process, you may call the phone number included at the top right once you begin the comparison process. The best part is that you may choose to purchase your policy online or by telephone once an insurer is chosen.

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CAR & AUTO INSURANCE : Your Car Has Been Stolen ? Insurance Companies MAY Offer Advice

In the unfortunate event that your car gets stolen, there is sage insurance advice being offered by Carolyn Gorman, vice president of the Insurance Information Institute (III), a nonprofit insurance information organization in New York, and Sam Sorich, president of the Association of California Insurance Companies (ACIC).

Gorman calls on drivers to be prepared in the event their car gets stolen. She suggests that "you'll have already taken proper steps to ensure you have suitable insurance as well as having obtained the information you'll need to contact the police department for filing reports and for notifying your insurance company to begin the claims process."

"Many consumers who shop for the lowest auto insurance rates fail to consider some inexpensive options that can save them a lot of money down the road," reveals Gorman, citing replacement rental car coverage as an example, pointing out that it costs "only a couple dollars a month." Under normal circumstances, renting a car for one day "can cost more than a full-year of auto rental coverage."

She notes that most insurance companies wait an average of two to four weeks if the stolen car is not found before authorizing the purchase of a new car, so the victim could end up paying as much as $1,000 to rent a car during the interim if they don't have rental car replacement coverage.

Gorman urges auto insurance customers "to review their policies once a year to make sure they will cover your needs if your vehicle is stolen or damaged in a crash."

ACIC's Sam Sorich notes that "insurers play a vital role in combating vehicle thefts. Insurance companies have staffs that are dedicated to investigating theft claims." Sorich calls on drivers to support insurance company efforts by taking simple but effective steps, notably securing their vehicles. "Lock your cars, install anti-theft devices, and leave nothing in the car that might attract thieves such as purses or wallets."

Tips to Prevent Car Theft
Worried about the possibility of your car being stolen? If so, the National Insurance Crime Bureau urges you to follow a "layered approach" to auto theft protection by employing the following steps:

1. Common Sense:
Deploy the cheapest, most basic form of defense … lock your car and take your keys.
2. Warning Device:
Use a visible or audible warning device/alarm system that can help ensure that your car remains where you left it.
3. Immobilizing Device:
Keep a would-be thief from staring or taking your car by using "kill" switches, fuel cut-offs, and smart keys. They are among the devices which are high and low tech, but extremely effective.
4. Tracking Device:
Consider the higher end of high tech tracking devices. These are among the newer devices available, and they can alert both you and law enforcement the moment an unauthorized user moves your vehicle.

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CAR AND AUTO INSURANCE : Steps to Filing Your Auto Insurance Claim

1. Evaluate whether or not you should file a claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.

2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

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CAR AND AUTO INSURANCE : Compare Quotes, Make a Comparison and Buy a Policy Online

Get quotes online from top insuring companies in the United States and
utilize the Internet to instantly complete a rate comparison by only answering one set of rating questions. This is how:

1. Log onto OnlineAutoInsurance.com, enter zip code and answer a basic questionnaire to get auto insurance quotes online.
2. You may be presented with a rate quote from up to 10 top companies to make an auto insurance comparison from multiple aspects such as price, brand and financial strength rating.
3. Once the right company is chosen, buy a policy online by providing any additionally required information which you may not have already provided. Sign and pay online with a credit card and an electronic application signature.
4. Get proof of coverage via email or mail. Speak to an agent for special requests such as documents via fax or an questions you may have.

Shop from Top Rated Auto Insurance Companies in the US

A top rated company is one which is financially stable. Independent reviews
by agencies such as best’s rating center study insurer’s financial strength and assign a rating. When shopping for top rated auto insurance companies in the United States, be sure to shop
smart and take more factors into consideration than just price. A financial
strength rating gives you a picture of the top rated insurers out in the market.

It is encouraged by most government agency guides about shopping for the
right insurer. Comparisons are encouraged because limiting the amount of quotes
does not provide a full picture of what’s available.
Things that take companies to the top 10 consumer ratings are:

1. Premium rates for coverage
2. Customer service satisfaction
3. Claims handling efficiency, courtesy and speed
4. Billing ease and accuracy
5. Reliability through a top financial strength rating

Supported by onlineautoinsurance.com

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CAR AND AUTO INSURANCE : Easy Auto Insurance Policy

Looking for an easy car insurance policy online?

Purchasing your policy online is quite simple and does not require any technical knowledge whatsoever. There’s nothing to it other than following a few effortless steps. If you can answer a few simple questions, you are on your way to a smooth car insurance policy transaction online.

Begin by getting quotes the easiest way, which is online. Since the Internet allow us to get a bunch auto insurance quotes online at the same time (rather than individually) it is the recommended method. Easier than taking candy from a baby, you can compare quotations to choose the company which will suit your needs. When obtaining your fast quotes, consider the coverage that you desire. Make sure it’s a protection limit which you will be satisfied with in case of physical damage to your vehicle. Be sure to educate yourself on who is covered in a policy and the different types of protection plans including liability, comprehensive and collision coverage.

Quickly and easily find auto insurance policies with the help of the Internet;

From start to finish, policies can be obtained quickly in about 15 minutes regardless of your skills. One can make shopping for auto insurance easy with the help the Internet since the quotation process is just about 8 minutes long and may vary by adding another car or co operators and drivers. After the quoting process, the next requirements are to provide more details for the verification process. This includes the review of driving records and verifying accuracy of the exact vehicle model.

All the high tech stuff is done automatically which only requires users to complete an easy form to print out a speedy policy declarations which may be used as proof of coverage. Before you know it, you will be done quicker than you expected. Anyone which needs more information can visit OnlineAutoInsurance.com’s site resources which provides a learning center with more information to make your experience go smoothly and fast. For many, going online is faster that going through a broker or direct. Since the World Wide Web lets you work at a quick pace. Pretty soon, most Americans will be going online as a primary method of insuring automobiles.

Easier way to find the best car insurance policy online;

A necessary step to finding easy to do auto insurance online is quickly and easily comparing premiums because the prices of each insurer may differ widely for different drivers. For example, someone under 25 may have a different company offering the lowest rates compared to teen drivers looking for reasonable priced policies. Consider the different terms offered, usually 3 or 6 month terms which can be paid in full or monthly. It is recommended to read the guide for so that you don’t end up with complaints.

Once you complete the rate comparison from multiple companies, make your choice on the different indicators of a good policy such as premium price, quality, underwriting guidelines and what is being offered. Review their procedures and provide whatever online information they may need. Keep in mind that you have access to lower rates by adding multiple cars on one policy. Even if the registration does not match the policyholder’s name, it may not be a problem; however, to be sure, read the underwriting details. Also, prior to committing to a new vehicle purchase, make sure to buy a policy friendly car (one cheap to insure).

If you’re currently insured, you may want to check your company’s cancellation procedures and rules. Many people think that they’re stuck with their current carrier until the term has ended; however, it is not the case and penalties for early cancellation do not include paying for the rest of the term’s premium. Worst case is paying earned premiums and a cancellation fee which usually does not exceed $50. Weigh out your savings vs. any fees after cancelling your policy. Ask your customer service to tell you how and details since you may want submit a request to cancel if it is beneficial to you.

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CAR AND AUTO INSURANCE : Save On Your Car Insurance with an Insurance Friendly Vehicle

Women often feel vulnerable when purchasing a car because they sometimes think they will be taken advantage of in the car buying process. As a woman, if you feel like you can't haggle a price or just don't like to, you can at least purchase a car that will give you a low car insurance rate. And, because of the characteristics of insurance friendly vehicles, they are often the less expensive cars to buy anyhow. So, if you are a woman looking into getting a car insurance quote for a new vehicle, make sure to consider first what car you want to buy.

The cost of a car insurance quote should be at the top of the list when a woman is considering the total price of purchasing a new vehicle. Just because she buys a smaller, cheaper car does not insure a cheaper insurance rate. And, although car insurance for women tends to be cheaper than for a man, a woman's driving history is another of many factors that are considered when determining a car insurance rate. Characteristics of the vehicle being purchased plays a large role in insurance costs.

Below is a list of features or types of vehicles to avoid to get the best stretch out of your insurance buck.

For a Cheaper Car Insurance Quote Stay Away From:
# Vehicles With a Lot of Horsepower
# Sports Cars
# High Performance Vehicles
# Luxury Vehicles
# Vehicles With Added Technology Features
# Large SUV's
# Very Small Vehicles
# Vehicles With a High Theft History

Station wagons and vans are the best choices---not to big to cause large amounts of damage to the other car but big enough to cause less damage to their own passengers and, in addition, both have lower repair costs and less theft history.

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CAR AND AUTO INSURANCE : Easy Ways In Which To Cut Costs On Your Auto Insurance

You just bought a new car and cannot wait to get on the road. What is the first thing you need? No, not some great road music playing on the radio, you need insurance. You are required by law to have auto insurance on your vehicle. Just because insurance coverage is mandatory does not mean that there are not ways in which to save money. Here are eight easy ways in which to cut costs on your auto insurance.

1. Call around. That's right get out the Yellow Pages and look up Automobile Insurance. Find the name of some insurance companies you are familiar with, such as CarInsurance.com which is not just online, and give them a call. Keep a list of the company and the price quoted as well as the specifics of what is included in that coverage.

2. Go Online. After calling around you can now kick back, relax and surf the net. There are many sites, such as CarInsurance.com, which make it easy because you can quickly see multiple companies and their rates for your particular situation.

3. Get Quotes for different types of insurance with each company you contact. Full coverage at one company may not be the same as it is for another. Maybe you only need liability. Is the new sports car only used on the weekends? If so than you may get a different type of insurance or discount for that.

4. Look at different limits that are available for the insurance coverage you want. Know what limits each quote is giving you. You would not be comparing apples to apples if one company quotes 10,000/20,000 while the next one quotes you 100,000/300,000.

5. Do not be afraid to adjust your coverage to meet your needs. To cut costs when you first get your auto insurance you can start with lower coverage and change it to include more coverage if you have the financial means at a later date. You can also change your coverage by lowering it to save money if you determine your car does not need full coverage anymore and you can now get by with just liability.

6. Buying a policy with higher deductibles will save you money. Before moving your deductible from $250 up to $500 or $1000 make sure this savings will not hurt you in the long run. Make sure you would be able to pay the higher deductible if you need to make a claim.

7. Have a good driving record. If you are a safe, defense driver it will save you. Just think about that next time you feel the need to speed or want to cut some off in an act of road rage. A clean driving record will keep your car insurance rates down.

8. Ask for a discount. See if the insurance agent will be able to cut your costs if you purchase either your homeowners or renters insurance along with automobile insurance at his or her agency. This is called a multi-policy discount. Having all of your insurance going through one insurance company and agent will be easier for you as well.

The law says you need to have insurance on your vehicle no matter if it is a 10 year old clunker or a brand spanking new sports car. Different states have different minimum coverage requirements. Before looking for insurance it would be worthwhile to research what insurance you believe you want to have on your automobile. Once you know what type of insurance you want and need follow the above tips and go save yourself some money.

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CAR AND AUTO INSURANCE : HOW TO Choose Higher Deductibles On Your Car Coverage

A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure. Insurers believe that if you, the insured, share some of the risk you will likely be more careful and try to minimize the possibility of a claim. Since you, the insured, pay your share before the company is liable for their share, smaller potential claims are often avoided.

The deductible you choose depends not only on the particular coverage but further on your willingness and ability to pay the specified amount in the event of a claim. In other words, select a deductible based on your tolerance for risk. Your agent should be able to help you choose a deductible that is right for you. Often, the decision is an easy one as insurers may only offer a few choices in deductible for a specific coverage. CarInsurance.com’s website will give you suggestions when you select a coverage package during our quote process.

Typically, which type of coverage offers a deductible? The most common type of coverage with a deductible is physical damage (also known as comprehensive and collision). This is coverage for your vehicle itself. Physical Damage pays for damage caused whether or not at fault. In many cases if you have borrowed money to purchase your vehicle through a bank or credit union, the lien holder will require that you carry this coverage. This coverage is usually required in the event any damage occurs while you are still paying for the vehicle. Typical physical damage deductibles are $250, $500, and $1000. Some people choose to have a lower deductible for Comprehensive coverage (also referred to as Other Than Collision), because this coverage pays for little items like vandalism. Therefore, some pick a $100 deductible for Comprehensive and a $250 deductible for Collision coverage. Higher deductibles will reduce the cost of your insurance by lowering your premiums. When evaluating higher deductibles, it is a good idea to consider carefully your circumstances. Ask your insurance provider for quotes for various deductibles, and analyze them carefully before making a decision. During CarInsurance.com’s quote process, you can easily change the deductibles on the coverage page and click on the Quote tab to see how it affects your premiums. Many visitors like to go between the pages and just compare prices with different deductibles. If you pick a higher deductible, this is a great way to save on the total cost of your policy. For example, increasing your deductible from $250 to $500 could reduce the physical damage portion of your policy from 5% to 20% depending on the insurance carrier.

Another type of coverage typically offered with a deductible is Personal Injury Protection or PIP. This coverage is also sometimes referred to as No Fault. "No Fault" insurance is a general term that is used to describe any auto insurance system that only requires drivers to carry insurance for their own protection, and places limitations on their ability to sue other drivers for damages. In an accident, under no fault laws, your auto insurance company will pay for your damages (up to your policy limits), regardless of whom was at fault for the accident. Any other drivers involved will be covered by their auto insurance policies. Not every state requires this type of coverage. No Fault is required if you live in: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, or D.C.

No Fault is usually offered with or without the option of a deductible. You can choose to purchase this coverage with a deductible if you want to absorb some of the risk as with other coverage such as physical damage. As with physical damage, the higher the deductible, the lower the premium on the No Fault portion of your policy. Your agent may recommend taking a deductible on your No Fault if you have health coverage elsewhere since you can only make one claim on any one injury. Some health insurance policies exclude automobile accident so it may be wise to check with your healthcare provider to make sure you are covered if you decide to go with a deductible. Common deductibles options on No Fault are $0, $250, $500, and $1000.

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CAR AND AUTO INSURANCE : Advantages of Shopping for Auto Insurance Online

The middle aged consumer is beginning to leverage the internet when conducting personal finances such as auto insurance. Auto insurance has taken a paperless direction and has continued to evolve over the years. A few years ago even obtaining the rates from several carriers meant having to inquire to companies one by one.

Comparing rates a few years ago took a lot of patience and required one to set some time aside so they may call around and obtain rates by repeatedly answering the same questions. In the late twentieth century, insurance companies saw the possibilities and advantages involved in utilizing the internet to conduct auto insurance online.

By the early twenty first century, technology allowed the majority of insurers not only to quote rates online, but to also fully issue and bind policies. Although consumers immediately adopted the ability to obtain rates online, it was until a few years ago that buying auto insurance online became more popular among United States consumers.

As the new technology savvier generation matured, online auto insurance purchases more than doubled year over year. Today, consumers are discovering the advantages of using the internet which include:

* Fast online rate comparisons from multiple companies instead of individual inquiries for quotes.
* The ability to compare and research multiple factors such as financial strength, price, company background, consumer complaint history and more.
* The ability to purchase a policy right from the comfort of their computer and the ability to instantly print out proof of coverage.
* Being able to manage a policy online which include viewing billing history, future installments, making premium payments and even making changes to a policy in real-time.
* Filing claims and reviewing the progress online.
* Saving money by reducing the company costs associated with the issuance of a policy therefore allowing the insurers to transfer the savings to the insured.

Consumers can take advantage by comparing auto insurance online without any obligations to purchase a policy. By logging onto OnlineAutoInsurance.com, one can obtain up to 4 rates from 15 leading carriers such as Progressive, AIG, GMAC and more, at no cost whatsoever.

Supported by onlineautoinsurance.com

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CAR & AUTO INSURANCE : WHAT to LOOK for in Auto Insurance Companies

There are tons of auto insurance companies to choose from out there, so how do we choose the right one? If we decide on a certain company, how do we make sure it’s going to be a good choice?

There a quite a few things one should look for when deciding whether or not to choose a certain company. One shouldn’t solely make a choice on one single factor, but a combination of multiple important factors, and if you’d like to, you can add extra consideration on whatever you feel is most important such as price, quality, coverage or stability.

The following is a summary of things one should look for in an insurance company in order to make an educated choice and ensure your satisfaction and security.

* One very important factor that we all automatically take into consideration is price. With good reason, we all want to pay as little as possible for the coverage we need. Instead of determining whether a carrier’s rates are competitive by comparing them to your current or prior rates, one should compare the rates of multiple companies. Many times, consumers obtain two to three quotes from different carriers and believe the lowest one of the three to be competitive. What one should realize is that the rates of auto insurance companies can widely vary for different drivers. If one company is cheapest for one driver, it’s not automatically going to be the cheapest for all drivers. It is recommended to compare the rate quotes of at least five companies in order to ensure a competitive rate. Among the simplest way of completing an auto insurance quote comparison is to visit OnlineAutoInsurance.com. By completing one simple form, you can compare the rates of multiple carriers instantly and quickly instead of contacting companies individually.
* Assessing your coverage needs can be based on what you need and what you can afford. If you have a vehicle with very low value, you may consider waiving comprehensive and collision coverage which is what covers your vehicle in case of damage or theft. Additionally, you can experiment with high deductibles to see price differences. Get quotes for all different types of coverage. Don’t be afraid to quote a certain coverage just out of curiosity and remember that quotes can be obtained online totally free with no obligations at OnlineAutoInsurance.com. You may be surprised to find out that some valuable coverage can be quite inexpensive.
* If a company is offering the coverage you need for a reasonable price, you can begin to look a bit further into other factors such as service. Customer service is a very important factor that should definitely be taken into consideration when choosing the right carrier. If one bases their choice only on price, it is pointless to pay for insurance if you’re not going to receive the service you deserve when it comes time. A good way of determining the service factor is to ask someone that you know has the company. Ask them if they’re satisfied with the carrier and if they recommend the company regardless of price. Also you can contact the customer service number and ask a simple question such as “Do you offer discounts for married drivers?” just to see what hold times you can expect and to see the friendliness of the representatives.
* The stability of a company is a very important factor. If you find a great price from a company having great customer service and they go out of bankrupt before they pay your claim, you’re on the same boat as not having insurance at all. The stability of a company is called financial strength. There are independent agencies that issue letter grades to companies based on their financial strength such as AMBest.com. Some companies are proud of their grade and display it as they provide you with rates. OnlineAutoInsurance.com also gives you company summaries with the AMBest’s the financial strength rating.
* Claims assistance is as important as any other factor. It’s the main reason you insure your vehicles; to help you get through a loss or liability claim. Making sure companies do provide good claims assistance can also be determined through anyone you know who’s had a claim with the company in question. You may also contact you state’s Department of Insurance to get a claims complain history. Obviously, if a company has tons of complaints, you’re likely to end up complaining upon a claim; Vise versa, low complaint records indicate satisfaction from large percentages which likely will be you as well.

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CAR & AUTO INSURANCE : MoRE Tips to Help You Save on Car Insurance

Most people complain about the cost of their auto insurance hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?

If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on auto insurance:

1. Shop around.
One of your first steps should be to shop around. A particularly good time to investigate your alternatives is when your current policy is about to be up for renewal, especially if you find that your premium has gone up. You may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto insurance rates.

2. Increase your deductible.
For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible when the time comes.

3. Keep an eye on your credit report.
Your credit history is an important factor for most auto insurance companies. Many studies have shown a correlation between your credit history and the risk to an insurance company. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower auto insurance rates.

4. Drive less.
If you drive less than a certain number of miles in a year (e.g., 7,500), you may qualify for a low-mileage discount. If your insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly or take the train.

5. Don't use your car for business purposes.
Since work-related driving generally subjects you to higher premiums than pleasure driving, it may be in your best interest to stop using your car for business purposes.

6. Drive more safely.
You may be eligible for a price break on your policy if you maintain a clean driving record for a specified period (usually three years). A clean driving record generally means no accidents, moving violations, drunk driving convictions, etc., during that period. The best way to qualify for the applicable discount is to drive carefully and defensively at all times.

7. Buy a low-profile car.
Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher premium than if you owned a station wagon, sedan, or other low-risk vehicle.

8. Move.
If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn't move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you're thinking about relocating from the country to the city.

9. Keep your car in a garage.
Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

10. Have safety/anti-theft devices installed.
You may receive discounts on your insurance if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized.

11. Inquire about multifamily/multipolicy discounts.
You may receive a discount from your insurance company if you buy more than one type of insurance through that same company (e.g., auto and homeowner's). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company.

12. Other discounts
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

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CAR & AUTO INSURANCE : How Car Insurance Rates Affected by Bankruptcy

In the current economic climate, people who may never have considered bankruptcy as an option may find it a difficult, but necessary next step.

It's no longer something that happens when you've "failed" or simply overspent. A recent New York Times article reports bankruptcy filings increased 34% from October 2007 to October 2008. Families considered solidly middle-class are now seeking Chapter 13 bankruptcy protection to ensure they do not lose their homes and other assets when financial woes impact the household.

What is Chapter 13 bankruptcy?
Chapter 13 allows consumers to arrange repayment plans that will protect their assets in a way that Chapter 7 bankruptcy does not. Also known as Individual Debt Adjustment, Chapter 13 lets an individual with regular income keep property and pay debts back, usually over three to five years. During this time the individual is protected from creditors, who can't start or continue collection efforts on past due bills. In contrast, consumers generally lose most assets with a Chapter 7 bankruptcy, other than those considered exempt—a definition which varies from state-to-state, and is often based upon income.

For consumers who wish to protect the equity in their homes or cars with a loan or lease balance, Chapter 13 bankruptcy is a good option. But, it comes with a cost, as creditors and insurance companies may not offer their most favorable rates in the future.

Will my car insurance rates go up if I file for bankruptcy protection?
The short answer is—it's likely, but how much depends on your credit rating before the bankruptcy. If you have insurance and continue making your payments, you're less likely to see a rate increase at renewal, but some companies will check your credit once a year. A lower credit rating may lead to a rate increase.

Any type of bankruptcy filing will hurt your credit rating and will remain on your record for up to 10 years. During that time, car insurance companies that use credit as part of their risk assessment may increase your rate or may decline to offer you the lowest rates available. If you're shopping for a new policy post-bankruptcy, you may find that some companies will not offer you a quote, if bankruptcy is used as a risk factor.

Is this fair? Well, using credit history as one factor in insurance pricing is a lot like looking at an individual's driving history: a large number of accidents or violations means that driver may not be responsible and presents a greater risk to the company. A bankruptcy is a bit like a financial accident or violation. It strongly indicates, in much the same way as a traffic violation, that the individual had some difficulty with their finances—and some insurance companies have determined that insurance risk increases as financial stability decreases.

Some practical issues
If you're currently paying for your auto insurance using a credit card or checking account that may be restricted or closed by a bankruptcy filing, you may need to call your insurance company to change your method of payment. Remember, if you change from automatic withdrawal to direct billing, there may be additional installment or service fees, and you may risk late payment fees in some states, if a payment is late. But, the important thing is to keep your policy active, as a lapse in coverage could result in even higher rates when you re-start your coverage.

Our position
There is a significant difference between the two kinds of bankruptcy. We believe that insurance companies can and should evaluate their risk criteria based on insurance risk scores and determine ways to help consumers retain their insurance coverage. But, we hope that companies will evaluate Chapter 13 bankruptcy filings more favorably than other types of bankruptcies—and not penalize consumers who take the important step of choosing to repay their debts.

If you've been in good standing with your company in the past, making payments on time, your company should have no reason to believe that your current financial situation will impact your ability to continue to pay your premium. It's very important to communicate with your company. Ultimately, they are going to be looking at your situation as a whole—not just your financial risk, but your driving record.

All being well, and if your claims and driving history is still good, your auto insurance company shouldn't have any reason to cancel your policy. Your financial situation is only part of your risk factor, after all.

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CAR & AUTO INSURANCE : THE WAY You Should Know About Auto Insurance

Trying to understand auto insurance can be as tricky and confusing as trying to untie the Gordian knot. (We hear the knotty Gordian problem can be solved with a sword.) However, some "insider" knowledge can help you understand your options and what you can do to save money and get the most out of your auto insurance.

1) Some of the most helpful coverages are the cheapest.
Auto insurance may be expensive, but if you're already spending a lot, shouldn't you get a lot? Optional coverages such as gap coverage, roadside assistance, rental reimbursement, uninsured/underinsured motorist coverage, and comprehensive coverage can provide a lot of protection for a little price increase. Comprehensive coverage is usually the most expensive of these coverages, but is still usually about half the price of collision coverage and a third the price of liability coverage.

Uninsured/underinsured motorist coverage is especially important, considering the benefits it offers and the number of uninsured drivers on the road, particularly during this period of economic hardship. Take a look at your coverage options. Paying a little more now may save you a lot in the future.

2) Many factors can affect your car insurance rate.
Auto insurance companies use many different criteria when evaluating an insurance application during a process called underwriting. Each car insurance company has many guidelines regarding which groups of drivers they want to accept and how much they will charge those groups they consider a greater risk. The guidelines are different for each company, meaning that two companies comparing the same driver can arrive at vastly different conclusions.

During the underwriting process, car insurance applicants are placed in a group based on how much money and how many claims the insurance company believes it may have to pay. Underwriting is done automatically by software behind the scenes. At this time, the insurance company will look at motor vehicle records to see how many accidents or tickets a driver has received. Many insurance companies also use an insurance history report to see if the driver has made any car insurance claims, and how much money was paid. Although accidents and violations can only affect the rates you receive for three years, many companies will look back five or more years when deciding if they want to offer you insurance. In addition, many auto insurance companies look at the credit history of the applicant. Although they use credit history to determine which group an applicant belongs to, they don't actually look at a credit report.

3) Insurance prices vary (a lot) by company.
You've probably seen commercials saying you can save money by switching to a certain car insurance company. How can so many companies make this claim? The reason is that "auto insurance is a highly competitive business and one of the most effective ways to reduce insurance costs is simply to shop around," according to Jeanne Salvatore, senior vice president of the Insurance Information Institute. "Drivers should look for an insurance company that will provide a good price along with excellent service."

Prices for the same policy from the same company, however, are set by law. They are approved by the state and can't be changed by an agent, so you can't get a better price for the same policy simply by going to a different agent or trying to negotiate the price. The best plan is to decide what coverages and options you need and comparison shop to get the best price.

4) If you let your policy lapse, you'll pay more in the long run.
Most insurance companies view drivers who are licensed but don't have insurance as risky or irresponsible. Because of this, if you let your policy lapse, you'll probably pay more when you go to buy car insurance. To avoid this, if you don't want to pay for insurance or are planning to let your policy expire because you want to switch companies, make sure to purchase car insurance before your current policy is cancelled.

5) Higher deductibles can lower your premium.
Insurance prices are based on how much money the insurance company believes it could have to pay. If you agree to pay for a larger portion of your own damages by raising your deductibles, your car insurance company automatically knows they won't have to pay as much for your claims. Because of this, they will usually give you a lower premium. If you decide to raise your deductibles to save money, be sure you can afford to pay the deductible if you have to make a claim.

6) Insurance discounts can make a difference.
Most insurance companies offer auto insurance discounts for things like a safe driving record, car safety features, anti-theft devices, electronic payments, payment in full, and more. Make sure you're getting rewarded for being a safe driver and for having a safe car by shopping around for car insurance that appreciates your record.

7) Coverage affects what you pay.
The majority of your car insurance premium generally goes toward the legally-required liability portion of your policy. It's typically not a good idea to reduce this portion in an attempt to save money, because you'll be responsible for any amount of damages above your policy limits. However, other coverages, although generally helpful, could be reduced or eliminated to lower your premium. If you have an older car that's not worth very much, or if you won't have a problem paying for a new car, collision and comprehensive coverages may not make economic sense. Talk to your car insurance company or agent about the best options for you.

8) The car you drive can affect your auto insurance rates.
The Highway Loss Data Institute compiles insurance accident statistics for most types of cars. Many insurance companies use data like this when setting prices on your insurance. For example, if the car you drive is very expensive to repair, the company is going to have to pay more if you get in an accident. Conversely, if the car you drive is extremely safe and protects occupants well, your insurance company will not have to pay as much if you're involved in a crash. If your model of car is generally less likely to be stolen, your car insurance company is less likely to have to pay to replace it. All of these car related factors can raise or lower the auto insurance quotes you receive, so it makes sense to keep insurance in mind when purchasing a car. Of course, since rates are based on much more than just the car you drive, your overall rate may be more or less than someone driving the same car.

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CAR & AUTO INSURANCE : Save on car insurance !

constantly rising gas prices are making us all search hard for ways to save. Online car insurance rate comparisons are one way to check for savings, but are recent media claims about errors at the gas pumps a cause for concern?

is the pump to blame ?
in a word, no. Unless the pump is really cheating you, you won't save much anyway. There are much easier ways of saving money on gas and most of them have to do with improving fuel economy. Here are some tips for saving gas without making big changes.

where to start.
first, consider car maintenance. Many commom car maintenance procedures can really affect gas mileage. An oil change, including a new filter and synthetic oil, can help your car use less gas by making the engine run better. A tune up does the same thing, especially if you make sure your air filter is checked or replacd at the same time. In addition, properly aligning and inflating the tires means your car wastes less gas fightinh resistance.

Drive differently.
Next, think about your driving habits. slow down a little. driving over 60 steadily cuts your car's gas mileage. Dont start and stop so suddenly. Hard acceleration uses alot of gas to move a little distance, and hard braking uses gas until the last possible second. If your car has them, use gas-saving features like cruise control and overdrive. You will be surprised at how much you can save by easing off the pedal.

Also, take a look at how you use your car. You might be able to save money on gas by combining multiple trips, or walking and biking more aften. Reducing your annual mileage to below 10,000 miles could also reduce your car insurance rate by letting you qualify for a low-mileage discount. Also, your car uses a lot of gas when it is idling-more than restarting its warmed-up engine does. So, shut your engine off whenever prctical.

Save on car insurance.
Finally, you knew this was coming, try saving some money on your car insurance rate. Compare multiple car insurance Quotes from over a dozen top companies. Get as many quotes as you want. It is definitely one of the easiest ways to save money on your car.

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CAR & AUTO INSURANCE : Who's Covered Under Rental Car Insurance?

Is it two for the price of one? Not always when it comes to rental car insurance.

Finally going away on that long-awaited vacation? If you'll be renting a car and sharing driving duties with someone else, there are a few things you should know about rental car insurance before you go. Your own auto insurance

What and Who is Covered?

Auto insurance coverage varies from one insurer to another. Some policies may not cover rented vehicles at all. Many others will cover damage you cause to any car that you're driving, including a rental car. Your insurance may also protect you from liability claims up to the policy limits.

Even if your policy provides coverage, you need to know exactly who's covered. Are you and the other listed drivers on your policy the only ones covered while driving the rental car, or are other drivers covered, too? The only way to find out is to ask your insurance company or agent. If your fellow travelers are not covered, you might ask about coverage offered by the rental car company.

Note: Read your policy's fine print to see if any restrictions apply to the rental car coverage. For example, some policies may cover a rental car only when your own car is stolen or being repaired.

Credit card coverage

If you have a major credit card, the credit card company may provide some insurance coverage for your rental car itself (but typically no liability coverage). This coverage may be included in your account at no additional cost, or you may have to buy it separately. Check with your credit card company to find out what coverage you have and who's covered. In all likelihood, you (the cardholder) will be the only one covered while driving the rented vehicle.

Coverage from the rental car company

Rental car companies offer various types of loss waivers and insurance protection, usually for an additional cost. If you buy insurance from the rental car company, it may become your primary coverage. Be aware that you (as the renter of the vehicle) are generally the only one authorized by the company to drive the vehicle. This means that the company's insurance might not apply when other people are driving the vehicle. But there are a few exceptions:

In a few states, your legal spouse is considered an "authorized operator" of the vehicle and may drive it with your permission.

If you rent under a corporate account, your employer, employees, or fellow employees on a business rental may be considered "authorized operators" who can drive the vehicle with your permission.

You can add "additional authorized operators" who, if approved in writing, may drive the vehicle. Additional operators generally must be at least age 25 and have a valid license and a major credit card. An additional charge (e.g., $5 a day) may apply for each driver that you add.

These individuals are generally covered by any insurance you buy from the rental car company, but be sure to verify this with the company at the time you rent a vehicle.

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CAR & AUTO INSURANCE : The Worst Cities for Car Owners

Let's face it: owning a car isn't the high-speed, tight-cornering nirvana that's depicted in ads. Those are "professional drivers" operating their vehicles on scenic "closed roads." Studies show that your experience is a little different. Owning a car involves money, time, and aggravation. You like your freedom, but…well, let's just say that it's not hard to see the gas tank as half-empty. So where are the worst places to own a car? Let's take a look:

The Most Expensive States for Auto Insurance

1. District of Columbia
2. New Jersey
3. Massachusetts
4. New York
5. Connecticut
6. Delaware
7. Nevada
8. Rhode Island
9. Louisiana
10. Arizona

Good drivers out there who feel that they're paying too much for the bad drivers take heed. Good drivers in New Jersey and DC are paying through the nose to cover the costs of the less careful, while bad drivers in South and North Dakota live in auto insurance heaven despite their wanton ways. That's a bit unfair to the Garden State and the Nation's Capitol-those are considered entirely urban and probably shouldn't be compared to rural states. Leaving those two alone would then give Massachusetts and New York the dubious distinction of being the most premium-heavy jurisdictions. Natives won't be surprised-all over the Union these states' streets (or at least the drivers on them) are reputed to be especially mean. When was the last time you heard of a New York cabbie pleasantly yielding the right-of-way with a wave and a smile?

The Most Expensive States for Gasoline Prices

1. Hawaii
2. Alaska
3. California
4. New York
5. Nevada
6. Oregon
7. Connecticut
8. Idaho
9. District of Columbia
10. Washington

Say that you've managed to insure your car affordably. You drive a safe car in a safe town. You've still got to fuel that monstrous SUV you've been told is necessary to go from your house to the mall, and some states are more gas-tank friendly than others. The current status of fuel prices can be accessed at AAA's fuelgaugereport.com. There, you can learn that while cruising from Atlanta to Savannah will be a virtual breeze, New York, California and Nevada will drain your wallets nearly nine dollars more per fill-up (if your tank holds an SUV-ish 25 gallons.) And don't even ask about Hawaii and Alaska.

The Most Traffic Congested Cities

1. Los Angeles, CA
2. San Francisco, CA
3. Denver, CO
4. Miami, FL
5. Phoenix, AZ
6. Chicago, IL
7. San Jose, CA
8. Washington, DC
9. Portland, OR
10. Boston, MA

And now (drum roll, please) Annoyance #1! Americans may love driving their cars, but most folks don't like just sitting in them - especially when they're stuck in traffic. According to data collected by the Texas Transportation Institute for its 2003 Urban Mobility study, when it comes to the Rat Race, we are running in it at ever-slower speeds with an increasing amount of company. The costs of traffic are many, but the most obvious and egregious is the cost in time. The average commuter spends over an entire workweek per year stuck in traffic!

Disheartened? By now you're probably getting ready to give up driving altogether. But wait - you might want to consider moving to a city near our northern or southern border, or a port of entry, just to make things worse. Nine of the ten top cities for car theft are near one of these.

Cities with the Highest Vehicle Theft Rates

1. Phoenix, AZ
2. Fresno, CA
3. Modesto, CA
4. Stockton-Lodi, CA
5. Las Vegas, NV
6. Miami, FL
7. Sacramento, CA
8. Oakland, CA
9. Seattle, WA
10. Tacoma, WA

If all else fails, you could leave your car to rust on four cinder blocks. Although at this point, you may be creating a whole new set of problems.

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CAR & AUTO INSURANCE : Will Insurance Companies Save on the Financial Storm?

Although the stock market seems to have stabilized somewhat with the announcement of President-elect Barack Obama's economic team, there is still considerable uncertainty around the economy. Other than AIG, no insurance companies have requested a bailout, but now that the Treasury Department has changed the focus of the $700 billion economic bailout package, insurance companies may seek funds if they also own a bank. And, many people are speculating about federal regulation of the insurance industry, which is currently state-regulated.

The Current Situation
With so many companies declaring bankruptcy, going out of business, or being sold or taken over, it seems that no industry is safe. Add to that the problems of American car companies and the picture looks bleak and uncertain indeed. Does all of the economic turmoil mean you need to worry about your insurance policies and your insurance company? Because of the strict state regulation of insurance companies, your insurance policy is one of the safer financial products available, and your insurance company is probably safe as well.

Insurance Company Regulation and Structure
How is it possible that insurance policies and companies are secure, given that some insurance companies seem to be in financial distress? What most people think of as an insurance company is really just a parent company, or holding company, for the insurance subsidiary company you actually do business with. The company that is licensed in your state to sell you an insurance policy is regulated very strictly by the state government. That subsidiary insurance company has strict legal restrictions on how they invest their money (which is your insurance premiums) and the amount of money—called a loss reserve—they have to maintain to pay future insurance claims. The parent company is not subject to these same state regulations. Instead, they are subject to looser federal regulations, which are similar to those for other publicly traded companies.

What State Regulation Means
In addition to the protections described in our article, "Insurance and the Banking Crisis - What's the Risk to Me?" state regulation means that the Commissioner of Insurance in each state is responsible for determining whether there are any financial problems with the insurance subsidiary companies licensed in the state. The news about bailouts and insurance companies most likely does not relate to the individual company issuing your car insurance or life insurance policy. Additionally, although it's possible for a parent company to give its subsidiaries access to its assets in order to pay claims or supplement their loss reserves, state regulations almost always prevent the reverse situation. This means that even if the parent company fails and declares bankruptcy, the assets and loss reserves of the subsidiary companies will not be available to it. In that event, the biggest change you would likely experience as a customer would be the sale of the insurance subsidiary to another strictly-regulated insurance company.

Government Bailout and Actions
The effect of state regulation of the insurance industry is that insurance subsidiary companies are at less financial risk than most other companies, including major corporations and stores that are closing or facing bankruptcy. Federal regulation of the insurance industry would not solve any of the current problems, especially since the insurance companies themselves are not in trouble. Regulatory reform may be necessary, but state insurance regulators are nearly unanimous in stating that federal regulation would merely complicate the current successful system.

The good health of insurance subsidiaries does not mean that other industries are not in trouble, however. The American auto industry, already the focus of a $25 billion government subsidy aimed at boosting development and production of hybrids and other fuel-efficient cars, is now seeking more money to help with their declining financial strength. Besides carmakers' effect on the economy in general, their continued existence affects insurance, as well. After all, it's hard to have car insurance without cars!

What to Look For
State regulation of insurance companies does not mean that all insurance companies are equal, however. It's still important to check the financial strength ratings of a company from A.M. Best or another independent rating agency. When viewing ratings, be sure to check the financial strength ratings. Other ratings—such as stock ratings and credit ratings—provide information for investors, but have little relevance regarding the ability to pay claims. In general, if your insurance company has a good financial strength rating and you have had a good experience with them, you have little reason to worry about your policy or switching companies.

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CAR & AUTO INSURANCE : May Auto Insurance Cover Stolen Car ?

When you are dealing with auto insurance, one of the things that you are going to have to make sure you do is get an auto insurance policy that will cover your car if it gets stolen.

There are many cars that get stolen every year. In fact, stolen cars are some of the biggest problems for owners. It is hard enough to deal with you car being stolen when you are at home, but it is even harder when you are dealing with a car that gets stolen when you are somewhere else.

When you have a car insurance policy, you want to make sure that the policy covers your car if it gets stolen. There are lots of different amounts that your car can be insured for, but when you have auto insurance you want to be sure that you get the money that you need from the agency. It is important that you are able to get the coverage for the entire cost of your car without making any mistakes. If you do not have total coverage on your car, you will find that when you run into problems with your car and if it gets stolen, you will end up with a lot more problems to deal with.

Total car insurance and auto coverage is something that will cover stolen cars when something happens. However, there are some things that you have to know. First of all, when you are looking at total coverage, you have to pay enough for the policies so that the amount of your car is covered in them. This will mean that you will have to pay the amount for the policy that will cover the total cost of your car.

When your car is stolen, there are several steps that you should follow in order to make sure that you are able to get your money back for your car insurance policy. First of all, you will be asked to file a claim. Most of the time, auto insurance will cover stolen cars no matter what happened to them. However, some auto insurance policies will have a problem covering your car if some of the criteria is not met. For instance, if you leave your car unlocked, or if you have done something else that puts your car at higher risk, your insurance company might have a problem with making you your entire payment.

In order to get your full payment if your car is stolen, you need to make sure that you are parking in a safe place and leaving your car locked when you are not there. It is important that you take these things into consideration. After you have made sure that you have followed all of the regulations of your insurance company, you will find that you have no problem getting the money from your insurance company When your car is stolen, you need to report it to your insurance company right away. It is very important that you are able to get ahold of your insurance company right away.

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