Car Insurance Daily

Don’t call and drive

editor — Tue, 07 Feb 2012 17:53:12 +0000

It’s been said over and over again – don’t drive and use your mobile phone at the same time. But still many people get into accidents and find themselves in much more trouble than they would have been in had they just concentrated on driving.

Any sort of mobile phone use while driving – regardless if you’re sending text messages or talking to someone – is incredibly risky for you and your passengers. Your reaction times and alert levels are decreased owing to the divided attention you’re giving the road and the phone. So a car might suddenly swerve in front of you on highway, and since you’re talking to someone else, you might not be able to make the right move in time. Even if you have a Bluetooth headset, it’s still a fact that you’re not fully concentrating on the road ahead of you.

Premium Charges According to Gender

editor — Sat, 10 Dec 2011 20:24:35 +0000

Male drivers average more miles driven than female driver do every year. Male drivers have a fraction higher accident involvement in all ages. Insurance companies refer to women’s lower mishap involvement in keeping the youth extra lower for young female drivers than for their opposite gender counterparts men drivers, though adult tariff are for both male and female drivers. Indication to the lower rate for young female drivers as “the women’s discount” has created perplexity that was seen in news reports on a currently defeated EC proposal to make it against the law to regard as gender in evaluating insurance premiums.

Tips when Buying a Car

Administrator — Mon, 10 Oct 2011 17:29:31 +0000

Negotiate or ‘haggle’ the price of the car with the dealer. When you negotiate, get as close to the manufacturers suggested retail price (MSRP) as possible. A dealer will sometimes negotiate to within $500.00 of the MSRP, especially if the manufacturer is giving them a special deal if they sell the car.

Manufacturers will often offer dealers special incentives, sales contests and ‘holdbacks’ (based on a percentage of the dealerships total sales) to dealers for selling particular cars. Find the holdback percentage of the car you want at www.Edmunds.com and factor it into your negotiations.

You may want to trade in an old car to save money on a new one. Check the Blue Book price for your car at www.kbb.com and compare the wholesale versus retail price of your car. If there is a difference of $1,000 – $2,000 between those two figures, you may want to try selling your car instead.

Order your new car if you don’t see what you want on the dealer’s lot. This may cause a delay, but cars on the lot may have options you don’t want that will increase the price of the car. If you do decide to buy off the lot, negotiate. If a dealer is trying to get rid of inventory, you may be able to get a good deal.

Make as large a down payment as possible. This will reduce the amount you will need to borrow and will enable you to acquire better financing terms.

Check with the National Highway Traffic & Safety Administration to find out about your potential car’s safety history, any Technical Service Bulletins on the brand and other pertinent information at http://www.nhtsa.dot.gov/

Source

Tips When Getting Car Insurance

Administrator — Wed, 10 Aug 2011 17:26:40 +0000

Planning what car insurance to get is as important as how you planned what car you wanted to get. Here are some things to consider when getting car insurance:

Pick an annual / yearly policy over a six-month policy. It may be expensive upon paying for it the first time but it will give you more savings and a longer coverage.

Carefully choose your insurance plan, if possible, get the best one. Review very well the coverage and the features according to all of your personal needs, your car make, and the situations that you might meet.

Don’t hesitate to ask for discounts. Every car insurance company has discounts to give: driver-related, vehicle-related, or background-related (driving record, occupation, level of education, etc.)

Never let your insurance lapse. Keeping it active and regularly renewed can entitle you to lower rates and more discounts at a better coverage.

On Car Insurance

Administrator — Fri, 10 Jun 2011 16:59:12 +0000

Getting a car insurance is somewhat tasking, especially because there are many insurance companies competing in the business. As with any other kind of insurances, there is a lot to consider upon getting one, not only the price. It is very important that you know the make of your vehicle, the kind of driver you are, and all the other things you are concerned of when it comes to cars and its ownership.

Trends in transportation gave way to the expansion and modification of insurances. The first automobile insurance in the United States was issued in 1897. By the 1920s, the mass production of the automobile created a significant necessity for automotive coverage. Over the years, cargo and passenger transportation—including electric railroads, interstate trucking, and airplanes—brought about the development of new forms of accident, theft, and shipping insurance.

Business Purpose Car Insurance

Administrator — Sun, 10 Apr 2011 10:00:25 +0000

According to a survey of the HSBC bank, about 49 percent of companies in the UK fail to check whether their employees have insurance. As a result half of UK companies face manslaughter charges for the failure to do basic checks to make sure that all their staff members have the proper insurance to drive on business purpose. Many private auto insurance coverages provide domestic, pleasure and social but unfortunately does not provide protection for business purpose aside from the commuting to and from work part. The problem is that most drivers use their cars more than just commuting to and from work, in fact, for majority, their cars are part of their jobs unless they are provided one by their company. Any company can face corporate manslaughter charges if any of their employees would be involved in a fatal accident without the necessary insurance.

Basics in the United States

Administrator — Thu, 10 Feb 2011 10:00:48 +0000

When traveling or living in the United States, there are some basics you need to know in care you are planning to either rent or buy a car. Whether you are buying a new or used car or getting a rental, you will be required to buy a car insurance. The proof of the insurance is needed before the vehicle is declared as drivable. For rentals, the insurance must cover the duration of the rent period. Higher car insurance rates are charged to those below 25 years old because they are considered high risk groups.

The basic policy must include coverage expenses for damages to other vehicles and persons that are part of the accident. Protection against an uninsured or underinsured motorist who caused the accident is also required.

Source: montana.edu

Get car insurance quotes

Administrator — Tue, 01 Feb 2011 13:48:41 +0000

One of the things you need to do before you get car insurance is to ask for quotes first from various car insurance companies before committing and signing on to a particular car insurance company. Getting quotes from various car insurance companies may be a bit time consuming for some people. If you’re one of these busy people, one option you can take is to contact services that already give quotes from various car insurance companies.

Using these services is the best way to save up on time used on research. Just go online as there are many services that have an online presence.

The Personal Injury Lawyer

Robert — Wed, 10 Nov 2010 06:13:07 +0000

They’ve been called a lot of bad names, but ambulance chasers are probably the worst. Lawyers sure have a bad rep anywhere they go. However, things may be changing for the better for this abused group, namely the personal injury lawyers.

More and more people are depending on their expertise in the law and various required paperwork when it comes to vehicular accidents. It’s also become more common for a personal injury lawyer to be used when you have had a car accident since many insurance companies refuse to pay even reasonable medical expenses and other such charges for those involved in an accident, and only answer to a lawsuit brought against them.

They’ll deal with the judges, complainants, defendants, and the massive paperwork required to win the case.

Insurance for the Fast and the Furious

Administrator — Fri, 10 Sep 2010 17:28:09 +0000

Sports cars are always associated with over-speeding, if not reckless, driving. There is also the anticipation of collision and major car damage. Believe it or not, such cases are now covered by auto insurances. Sports cars and all types of fast cars, whether driven by responsible drivers or not, are insured. Despite being at fault with whatever damage the car meets, the driver is still protected.

Also, auto insurance for fast cars includes damage due to customization. If ever your car receives any sort of wreckage in the process or in the aftermath of its customization (such as scratches, vandals, and the like), you will still be able to get insurance despite the fact that you have tweaked the stock look or component of the car.