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Monthly Archives: April 2017

Affordable Auto Insurance Quote

Find out before you leave what your personal or corporate auto insurance policy will cover since these insurance options are expensive. There are additional coverages such as towing and temporary replacement vehicles available for your auto insurance policy. Get car insurance rate comparisons, and buy your auto insurance policy instantly.

Flood damage to your car is also covered if your auto insurance policy includes comprehensive coverage. Adding supplemental insurance coverages like towing and labor or car rental reimbursement to your basic auto insurance policy may save you money. Ask for detailed bills for all services associated with your auto insurance policy. Today, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy. An auto insurance policy is comprised of six different kinds of coverage. You agree to pay the premium and the auto insurance company agrees to pay your losses as defined in your auto insurance policy. Michigan pioneered the ATPA concept in 1986, allocating $1 from each auto insurance policy and channeling the funds toward combating auto theft.

In total, it is estimated that automobile insurance fraud results in losses in excess of $8 billion a year. If you been the victim of auto insurance fraud, immediately contact the fraud division of your state insurance department. Higher auto insurance quotes are one result.Auto fraud involves criminals who stage bogus auto accidents, then file insurance claims to insurers for payment. The most common fraud schemes involve insurance and include bodily injury fraud, auto repair fraud, homeowner’s claim fraud and worker’s compensation fraud. Rising medical and legal costs, sharply increasing vehicle repair prices, theft, fraud and drunk driving all contribute enormously to auto insurance quotes. There are two main types of fraud when it comes to auto insurance: application fraud and filing false claims. Covers shopping for rates, how to file a claim and avoiding auto insurance fraud. Schumer’s bill is the first national legislation that would specifically authorize criminal and civil penalties for auto insurance fraud. These units will be staffed by top prosecutors who will do nothing but investigate, root out, and prosecute auto insurance fraud.

Also, many auto insurers will reduce your car premium if you buy other coverage from them, such as, homeowners’ and life insurance. All motorists in PA are required to have a minimum of auto insurance liability coverage. Other credit cards provide primary collision coverage if you do not have collision coverage with your personal auto insurance. Learn about auto insurance and your coverage options. Sources of cheap auto insurance, that are affordable and provide the coverage you want and need. Lowering your auto insurance coverage can save money, but, it also limits your coverage. The Auto Coverage Guide is not intended to advise you on your insurance choices or to make specific recommendations for your coverage needs. Also, endorsements can be added in order to customize individual automobile insurance coverage. State law (and/or your lender) generally specifies the minimum coverage amounts for auto insurance.

After you receive your auto insurance quote, get a free no-obligation quote for homeowners or renters insurance. You can get an instant quote to compare or buy auto insurance here. We provide an auto insurance quote and rate for all 50 states! Receive your free auto insurance quote. We are your best source for auto insurance quote comparison. About auto insurance quote mercury car insurance, new york car insurence, online auto insurance quote. cheapest car insurance and cheap florida car insurance online auto insurance quote, car eignsurence pitsbeauf. florida car insurance and online auto insurance quote online car insurance etc. car insurance priceflorida car insurance (auto car cheap insurance quote) car insurance minneapolis, flirida car iegnsulence. Follow this link to a site for a free auto insurance quote. There no obligation to receive your free auto insurance quote. When you shop with Progressive DirectSM, you can get an online auto quote and compare rates for other leading insurance companies. Click here to get a free auto insurance quote.

Anti-lock brakes, automatic seat belts, and airbags can all help lower your auto insurance premium. To minimize the cost of your auto insurance premium the steps below outline a few ways you can save some money. Where you live and drive plays a big factor in determining your auto insurance premium.

 

About Auto Insurance

The minimum level of Auto Insurance and who provides it differs around the various Provinces with British Columbia, Manitoba and Saskatchewan Government Insurance agencies being the authorized vendor. You will purchase the minimum level of cover when you register your vehicle each year. This applies to the minimum coverage with both the Government and Private companies offering additional coverage that effectively boosts the level of protection. The Province of Quebec has a slightly different system with any vehicular or property damage being covered by private companies and the injury coverage being provided by the Provincial Government. These provinces may not give out the Pink card as the vehicle registration is proof of insurance.

The remaining Provinces all have private insurance companies giving the Auto Insurance coverage with Alberta in particular recently having a Provincial Government led revamp of their system. This led to a reduction in the maximum level of compensation paid out to minor injuries in a bid to reduce spiraling premiums.

In Canada, every vehicle driver who is correctly licensed has access to the basic auto insurance required by Law. However, your driving history will have a direct impact on the amount you will pay for this insurance along with several other factors:

1. The make and year of vehicle you drive (for comprehensive policies)
2. The location of the vehicle (“bad area’s with high crime have higher premiums)
3. Business use
4. Insurance claim record (more claims higher cost)
5. Number and age of other drivers who are entitled to use your vehicle and their driving records.

The Canadian Council of Insurance Regulators is a country wide body that’s mission is to “promote an efficient and effective regulatory system in Canada to protect the public interest”. Each Province in turn has its own insurance regulatory body to ensure that standards are introduced and then subsequently followed – these regulators cover most types of insurance and not just the Auto Insurance.

If you are inadequately or incorrectly covered the consequences may be severe. The legal action will undoubtedly involve demerit points on your license and also a hefty fine. This in turn will increase your future insurance premiums quite substantially. The other side of it is that should you be involved in an accident where you are at fault your insurance will be invalid. Then you are liable for all the costs associated with the accident (yours and other vehicle repairs/replacement, damaged property, emergency service costs, clean up costs. This may seem a lot of money, which it is, but this will pale into insignificance should anyone be injured seriously or killed and will most likely end up in bankruptcy.

Another good tip is to use a quality Auto Insurance company, not always the cheapest, but I know from experience that if you are injured in an accident you have better things to concern you than being messed around by a substandard insurance company. The Physiotherapist treating my minor injuries had extensive experience of clients who had injuries being treated that were fighting every step of the way to have the treatment paid for when it was clearly covered in the policy.

In the event of an accident or claim against your policy it is imperative you contact your insurance agent as soon as is practically possible. If injuries have been inflicted, unlawful damage or theft taken place or the amount of damage will be beyond the limit stated for each Province then the Police must also be contacted within a prescribed time limit. Contacting the Police and the agent will ensure that correct procedures are followed, you do not negate the policy or incur additional Police Charges (depending upon circumstances).

 

Tips to Manage your Car Insurance Budget

Making Comparisons

The costs of at least three to six insurance companies will give you a fair idea of the costs involved with different policies. Seek the advise of colleagues, friends, relatives. Besides from costs involved, the track record of the companies matter a lot.

The standing, strength and financial position of the company need to be looked into. Request for higher deductibles – It’s the amount one pays prior to making any claim for the accident. The complete coverage and collision is sold along with the deductibles. The more the deductibles the less the premium rate. By increasing the deductible say from $300 to $600 will invariable reduce the cost to 20 to 35 percent.

Old Cars – Drop Collision and Comprehensive Coverage – It is better to drop the collision and comprehensive coverage if the car is worth less than 10 times your premium in the current market. One way to reduce the cost is buying the auto coverage from the existing insurance and insurance coverage from existing carrier.

No to Double Health Coverage – Avoid health coverage with auto policy provided you have enough health insurance. This is one way of reducing costs.

A Good Credit Card Record – This has multiple benefits – helps to file claims if the credit score is less. A good credit score will also help in settling the accident with the help of the company.

Low Profile Car Discount – Fancy and trendy cars with high maintenance costs higher rate and attract thieves as well. A low budget, low profile car will help a lot with insurer discounts to boost.

Mileage Counts – More discounts can be obtained by driving less than the national average mileage recorded per year.

Avoid double health coverage- If you think that you have enough health insurance, and then avoid health coverage with your auto policy. This will help you to reduce the cost.

Maintain a good credit record- Insurers are using the credit history while determining the price of insurance. Statistically, the lower your credit score, the more you are likely to file claims. A person with a good credit score is more likely to settle the accident without the support of the company. Try to maintain a good credit record.

Discounts with low profile car- Cars that are expensive to repair or attractive to thieves will have a higher rate. Consider buying a low profile or average car as it your insurer might come up with discounts for such a car.

Low Mileage Pays – Obtain some discount on premiums by driving less than the national average mileage recorded per year.

All about Group Discount – It’s all about a group taking insurance plan collectively. Be it an employer, business group or associations. Check for such plans.

Safety Discount – Discounts are also offered if the car is fitted with safety items like air bag, automatic seat belts, anti lock brakes. So make safety pay for you.