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Archive for September, 2009

Kelly Osbourne: I would like to know the minimum auto liability limits for drivers in Alaska and other states. What is financial responsibility and which states have that?

 Response: Alaska and Maine mandate the highest minimum auto liability limits for drivers within each state. Both require drivers maintain at least 50/100/25 limits. Florida and Louisiana (but only through 2009) allow the lowest minimum auto liability limits at 10/20/10; however Louisiana is raising its minimum limits to 15/30/25 effective January 1, 2020. (One major difference between Florida and Louisiana is “No Fault” status; Florida is a personal injury protection (PIP) state where Louisiana is a compulsory liability state.)

The remaining states fall in between these two extremes with the two most common minimum limit requirements being 25/50/10 and 25/50/25 – both applicable in 12 states each. The most unusual minimum limit requirement may be that of Ohio at 12.5/25/7.5. Further, two states require their insureds carry only $5,000 in property damage protection. Auto liability limits are anything but rational or consistent throughout the country.

Forty-nine states and the District of Columbia maintain compulsory liability insurance requirements. New Hampshire will be the sole remaining voluntary financial responsibility state once Wisconsin’s compulsory liability law takes effect June 1, 2020. Although not a compulsory liability state, New Hampshire is a compulsory uninsured motorist coverage state.

You need to ensure that you have the correct auto insurance coverage. Review auto insurance policy  once you get it and compare auto insurance coverages especially the liablity coverage to see if it meets the required State limits.

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 Shauna : If you have two autos that carry full coverage, do you have to add your husband to the policy?

Response : You should, particularly if he has any access at all to the vehicles and/or drives them, even on an occasional basis.

The reason behind this is that you pay a premium for the drivers in your household. If you’re paying a premium for only yourself, and your husband uses the vehicles, you’re not allowing the insurance company to rate you correctly. This could be called misrepresentation, particularly if your carrier has asked you to give them information on all the drivers in your household.

But…if your husband has a good driving record, and is free of accidents, you probably won’t see much of a rate change, if any at all. If he has a bad record, you might want to consider having him made an excluded driver on your policy. That way, you’re square with the insurance company and your rates won’t reflect his record. But beware: An excluded driver means just that, and if he ever drives one of your vehicles and has an accident, there is absolutely no coverage. You can imagine what this can do to your finances if you’re not careful. You must declare all the members of the family who are living with you and have a driving license as per the insurance norms.

Check out for your low quotes and am sure that there will be no problem adding him along. You will in-fact lower your insurances and have the peace of mind. Compare auto insurance quote and review car insurance coverage.

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Nearly one out of five U.S. drivers surveyed has read or sent a text message while behind the wheel, even though nearly all of the respondents in an AAA survey released on Friday considered such action unacceptable

“The new technologies that help us multitask in our everyday lives and increasingly popular social media sites present a hard-to-resist challenge to the typically safe driver,” AAA Chief Executive Robert Darbelnet said in a statement accompanying the survey commissioned by the AAA Foundation.

“Enacting texting bans for drivers in all 50 states can halt the spread of this dangerous practice among motorists nationwide, and is a key legislative priority for AAA in state capitals,” Darbelnet said.

The group, which provides emergency road services to its members and lobbies on automobile issues, formerly was known as the American Automobile Association.

The random telephone survey questioned 2,500 U.S. residents 16 and older in April and May.

Although nearly all respondents considered the practice unacceptable, 18 percent said they had sent a text message while driving within a month of being surveyed.

Most data available on texting and driving are anecdotal, but the U.S. Transportation Department is seeking more information as pressure grows to ban the practice.

Transportation Secretary Ray LaHood will hold a two-day conference on distracted drivers next week in Washington.

Separately on Friday, 93 percent of 1,000 licensed drivers responding to a survey commissioned by Ford Motor Co. supported a nationwide ban on texting while behind the wheel.

AAA says surveys of its members also favor a ban, a step that Ford and other major automakers support.

About a dozen states have imposed prohibitions, and proposals for a national ban have been introduced in Congress.

The wireless industry — including cellphone manufacturers, carriers, and some Internet companies represented by the CTIA-Wireless Association — support state and local efforts to ban texting while driving.

Please abstain from texting whilst driving. Maintain your low auto insurance rates. Compare auto insurance quote 411.

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Tips on gap car insurance coverage.

Michael : This was a good information on GAP car insurance. Please let me know if there are any exclusions in this so that I can compare auto insurance quotes correctly and get the right coverage.

Response : Michael, I am glad you  liked my note and information on GAP insurance. I have been in this field for over 2 decades and I love talking on it at any time of the day.  I know insurance can be very baffling for most people since there are many things tide together. 

A review of GAP policies shows remarkable similarity in both coverages and exclusions. Notable exclusions include the following:

Overdue lease/loan payments

Financial penalties imposed under a lease for excessive use

Security deposits not refunded by the lessor

Costs for extended warranties, credit life insurance, or other insurance purchased with the loan or lease

Amounts deducted by the primary insurer for wear and tear, prior damage, towing, and storage

Carry-over balances from previous loans or leases

Equipment added to the car by the buyer, meaning that only factory-installed equipment is covered

You must  quickly note that “GAP” may still leave a gap in one’s financial obligations once the exclusions are applied. Hope this helps you in comparing auto insurance quotes.

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Review GAP car insurance quotes

Michael Jacksons : What Is GAP Coverage? How can I obtain this insurance?

GAP contracts pay the difference between what a primary insurer pays in the event of a total vehicle loss, including theft, and the outstanding loan balance on the vehicle. (Approximately 2.5 million vehicles are totaled annually.) It is a form of credit insurance similar to credit life, credit disability, and credit property insurance. To illustrate, GAP operates in the following manner.

 Loan balance $28,500

Actual cash value paid by primary insurer $24,500

Difference ($28,500–$24,500) $ 4,000

Deductible $ 500

Total out of pocket expense of owner $ 4,500

GAP pays $4,000 + $500 $ 4,500

 New, used, and leased vehicles and motorcycles are eligible for GAP. GAP pays for losses up to a certain amount ($100,000 for example) and, unlike the example above, it may not include the deductible. Further, the term of coverage may be coextensive with the term of a loan or it may be of shorter duration.

You can obtain Gap insurance through your dealer or directly with the insurance company. Compare auto insurance quotes on line for Gap insurance and you will find good deals with low insurance quotes. Check it out for yourself.

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