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Effect on Auto Rating Archives

Smart cars, smart phones and auto insurance

Will smart phones make a difference in auto insurance rates?

This is something, which will be decided once the smart phones become a feature in smart cars. Insurance companies like to gathere data in order to give discounts or reduce rates. Hence the guess would be that it may not have an effect intially or it may increase the rates and than reduce them based on driver behaviour.

What would be done to ban the use of smart phones when driving? Would hands free make a difference or would they cause distracted driving with your attention divided on the phone and driving? Lots of questions to be answered.

Smart cars and smart phones- auto insurance.

The interest in Internet technologies are rising to new levels using the news today that by 2016, 92 million automobiles will feature technology to integrate mobile phones into cars, according to a different report by Juniper Research, predicting smartphone-automobile integration as “all but standard” within 5 years.

Although insurance companies might find certain natural risks, like the possibility of a rise in distracted driving occurrences, the advantages come in the technology’s capability to deliver commercial Telematics.


Commercial telematics, driven by its possibility to increase driving efficiency and manage insurance charges, is gradually making its distance to the, and mobile ease of access is really a germane dovetailing pursuit. Based on the report, with car manufacturers in a position to include new methods for example MirrorLink in the Connected Vehicle Consortium that integrate mobile phones and permit them to become modems, the symbiotic relationship between telematics and smartphone integration is done-each encourages the implementation from the other.


New methods being produced by an growing quantity of car manufacturers enable mobile Internet, smartphone applications and content access across the plethora of automobiles they sell. Additionally, Juniper notes growing sophistication within the ways telematics can be used: Fleet managers may use telematics to improve fleet efficiency, adhere to rules and monitor driver behavior, while gamers will also be using the energy from the cloud and internet sites to boost the help they provide.


“Integrating the smartphone into consumer cars signifies a brand new route for mobile Internet and infotainment to go in the automobile,” states report author Anthony Cox.  The report notes the primary inhibitor with this type of telematics is going to be limited development in the automotive market within the next 5 years, specifically in developed regions.


Indeed, while several insurance providers are testing we’ve got the technology, based on the report, insurance telematics remains in the infancy with many common commercial use not happening until a minimum of 2014.


Car sharing- does the insurance company cover this?

car insurance for car sharing


The economy has people thinking of all sorts of ways to save money; one of the newer ideas that is taking flight is car sharing. Initially, when you think about it people sharing cars among one another seems like an ideal way to cut transportation expenses. People that have cars that they use infrequently defer the cost of owning that car by renting it someone who can not afford to keep one, or simply doesn’t own on by choice. Supporters of this notion boast that it is more environmentally friendly, and cuts down on traffic congestion.

The idea that people can live among one another and share their belongings in an effort to help the greater good is wonderful, but idealistic. After all, this plan seems to neglect one major factor, the insurance companies. Did we really think that the car insurance industry would have nothing to say about us lending our vehicles out like we are a car rental company?

Many of the car sharing programs that exist require users to pay for an additional car insurance plan to cover the drivers that we be using your car. Even with the supplemental insurance coverage offered by many of the car sharing programs the general consensus among the insurance industry is that it won’t be enough. Experts within the insurance industry believe that the additional coverage won’t cover enough if a catastrophic event happens and this could lead the industry to discontinue the policies of customers who are discovered to be lending their vehicles.

So, what is the deal with these car sharing programs and the insurance they offer? Some of the big names in the car sharing industry are Relay Rides, Getaround, Just Share It, Wheelz and Zipcar. All of these companies were created in response to the call for “collaborative consumption” which is an idea that has really spread like wild fire among the civic minded individuals of this world. Collaborative consumption allows people to save money and the resources of the world.

The movement to share cars can largely be attributed to car sharing giant Zipcar. Zipcar offers a rental service where members can pay a monthly fee to have access to cars in locations across the globe. The process of renting is no fuss, no muss. Members have an ID card that allows them to check cars out without any process, or paper work. They can use the car they rent for a few hours, or days.

The primary difference between Zipcar and most of the new car sharing programs is the fleet of vehicles used in the Zipcar program are owned by Zipcar. Newer car sharing programs aim to use the vehicles owned by the customers that use the service. Essentially they would be turning their own personal vehicle into a Zipcar. If you decide to participate in one of these car sharing programs you would set your daily rental fee, list it with the service of your choice and they would advertise it for you. People that rent your car open the doors with a smart card that gives them access to a key. Other services allow a person to person exchange, or the OnStar service from GM to give consumers access to your car.

A program like this has got to be bogged down with hurdles right? What about car theft? Car theft is an issue, in fact one company already closed its doors because this became a problem in their sharing program. What about bad drivers? This isn’t as much of an issue as one might think as most car sharing programs require the renters to pass a driving record check before they can participate.

What car insurance companies think about car sharing

The biggest hurdle is still the car insurance industry. Car insurance companies don’t cover insurance claims if they find that your vehicle was used for commercial purposes without their knowledge. Part of the way a car insurance company determines your car insurance rate is by evaluating what you use your car for. People that use their car as a taxi for instance are required to pay for commercial car insurance. Individuals that use their car for work on a daily basis pay a higher personal car insurance premium.

Some of the car sharing programs have attempted to address the car insurance issue by offering a supplemental insurance policy. For instance, Relay Rides provides participants $1 million in supplemental coverage to take care of what your policy won’t cover. This supplemental coverage is designed to cover you if a driver kills, or seriously injures someone while they are using your car and your car insurance company refuses to cover it.

This all sounds great, but experts warn that what sounds to good to be true probably is. Most car insurance companies won’t just deny your claims if a renter gets into an accident. It is likely that people who rent their car out will be dropped from their policy if an accident occurs with a renter. What’s worse, is that if potential car insurance companies find out that a policyholder was dropped for that reason they may have difficulty finding an affordable policy long-term.

Before you consider joining a car sharing program it is important to do your homework. Find out what your car insurance company thinks about these car sharing programs. Request a car insurance quote for insurance that would cover your participation in the car sharing program. Get an insurance quote and talk to the insurance company first if you are doing this. Compare your car insurance quote online, but provide the details and double check with the insurance provider if they are willing to provide this coverage – most would not since this is commercial, besides the driver driving the vehicle is not known. Even for commercial vehicles, the insurance companies verify the driving record of the drivers driving the commercial vehicle. This is still debated in the insurance circles.

Comapre auto insurance or review car insurance for your personal vehicle here, to get low auto insruance rates.





How much would a traffic ticket cost to you? Combine auto insurance – you would be shocked!

You would think a ticket is just costing me say $150 or $200. Wow – you are mistaken. Check this out.  A ticket is not only a ticket traffic traffic more. Sure, a ticket can be still easy in some cases. Say for example you a ticket get, probably, that ticket paid and never think about. When you move a ticket, or any other kind of violation you must great difficulty for you in stock. Not only that you earn points on your license for the condemnation of any kind of violation of move, but financially, you will be paying the price for the ticket for the coming years.

If you pulled get law enforcement and you receive a traffic chances are, quote you will look at the amount of the ticket and think that it’s not so bad. If only the ticket with a crystal ball came to show you how the ticket can change your financial future. You will see that the legislator is constantly come new ground fine, or add penalties to cards. A ticket, which costs $80 begins may end up costing you upwards of $200, if you added the cost of the sanctions.

The sanctions, which are evaluated by the local government are only the tip of the iceberg, most insurance companies are taken for you where it hurts, when they find out, you have to a traffic ticket. If currently around you can pay $1,000 a year for your car insurance premium a traffic violation, for example, your car insurance vote of more than $200 per year increase. Collect another violation and it will continue to be increased by the same amount for each subsequent ticket. You can shop around and car insurance quotes, a better rate about 20 percent more than a driver with no traffic, but find the average driver with a traffic violation numbers injuries.

The amount your insurance increases is committed, after a moving violation is directed largely to breach of you. More on certain offences as they others do insurance companies frown.  For example, speeding up ticket is your rate increase, but always caught driving, can devastate while intoxicated vote your car insurance. In addition, it is not uncommon for an insurance company to delete policyholder, caught driving under the influence of drugs or alcohol.

Your local government or the insurance are not the only agencies, their hands in your cookie jar diving, if you a ticket traffic. You can also punish the Department of motor vehicles in your State, if the ticket results in points. This is called a DMV surcharge, and you must pay the fee every year, until the points are removed from the driving record.

The charges you have to pay for your state at the Department of motor vehicles are penalties that you be evaluated in addition to fines and Court. Not every mobile injury comes at a premium and it takes a little bit for your fees to overtake you. Regularly, the DMV in each State is driving records. If they notice, you send a message and invoice penalties or changes, they deserve the charge, so that you can pay them.

Surcharges apply if you:

Drive without a license.
driving on a suspended license.
operate a vehicle that is not insured.
Collect excessive points on your license.
refuse you an Alcohol Tester.
Drive while intoxicated.

Charges may vary from State to State. In New Jersey, you have added more than six points to your license within a period of three years, you have to pay a surcharge of $150 per year. Plus, you will also have an additional fee of $25 for each point, the on your license for free. These charges remain valid typically for a period of three years, but each time when you more points, which three years for points is reset. Surcharges must be paid or the DMV will revoke your driving privileges. You can get also legal action against you and your money garnished your wages or put a lien against your property.

If you already big pay for your driving penalties maybe, you wonder what you can do to alleviate the financial burden. Of course, is always a better driver, following the traffic rules and collect no more tickets for the first step. You can assign also a defensive driving course. Many States offer this as an alternative to expensive fines and add points to your driving record. You have to pay the private cost of the school, but it could save you big in the long run.

You want also for lower auto insurance quotes look around, if you a ticket. Not all companies evaluate traffic violations, so that your rate may be with another affordable insurance provider. You can ask your car insurance also about discounts for monitoring your ride. Companies like safe car and progressive consumers can use a data collection device that attach it to their vehicle to prove that they are responsible. After using the device for a predefined period of time, the company is your premium to correct, if the data as affordable are marked.

If you have considered getting recently don’t despair you get might some time to get your ducks in a row before you see the financial backlash. To avoid many insurance companies, driving records periodically about their policy holders as it is time consuming and costly. It could be months before you car insurance premium increases. Besides this, you have a good reputation with your insurance company can questions whether they policy for customers have any kind of forgiveness with a good reputation. If you get a ticket, simply take your time and see all your options before you panic.

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Best car insurance for bad drivers

car insruance for bad drivers

A bad driver? Yes, admitedtly this is an issue as far as getting cheap car insurance is concerned. If you have a bad driving record and are looking for cheap car insurance, it is a task easier said than done. Their prospects are simply not well based on the basics of how of the car insurance. When you are ready, continue, efforts to you to look for insurance will be, but less expensive than what some other drivers in your situation of numbers. However, you can get the best car insurance quote which is suitable for you, if not the cheapest and work your way to making the car insurance cheaper and cheaper.

You understand that all car insurance is based on risk. In other words, every time you get behind the wheel you open up your insurance the way that they end up with money after an accident. Therefore, the more likely you are to accident the higher the risk that you have. Drivers with bad records tend to a higher risk be because they rather have an accident.

Specialized in high risk drivers

One of the things that you might for a company that specialized in gefährdeter driver or the driving with poor records. Often sell their policies by local agencies offer low down payments and low monthly rates. This kind of policy may not be in the course of one year a less expensive, but it is significantly cheaper by reducing the total cost of the policy in monthly payments.

Undertake programmes with forgiveness

There are a few insurance companies of national known to reduce the programs in place to your prices through forgiveness. Some of them will forgive your first accident or your first few injuries – as long as you meet some of the requirements. Other incidents in advance not necessarily forgive, but instead restrict the amount of time they are counted against your entry. You have to ask forgiveness in particular about such programs because most insurance companies offer the information to the front.

Keep it clean

Even if you don’t, find cheap car insurance with a poor driving record you bring the price down eventually by behaves behind the wheel. For example suppose your State holds a speeding ticket on your plate for two years. There is nothing you can do except to wait the. But if you make a point not more injuries or accidents within this time frame, prices will find your insurance when the ticket from your entry comes two years from now. On the other hand, if you continue to ruthless and more tickets and more accidents cause, is just going to go up your insurance.

The point is that the best way is to ensure that you get cheap car insurance rates, to keep your record clean. Always you obey the law, always drive according to weather and road conditions, and whenever defensive behind the wheel. Driving in this way offers a low risk to the insurance as possible. This will keep your prices.

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low auto insurance rate

Low Cost Auto Insurance – the insurance companies plan.

Insurance companies are businesses, plain and simple. They do what they do in an effort to make a profit and, like any business, have to position themselves in such a way that they can make money while still attracting customers. They have an obligation to provide certain cover in order to make legal requirements. However, from there they can add or remove certain benefits that either make policies too expensive for the general consumer or prove to no longer be profitable.

Low Cost Auto Insurance- Review car insurance, compare auto insurance- yes insurance companies have to do this themselves.

In practical terms, low cost auto insurance is often cheaper than competing policies due to the cover offered. There are other factors, such as introductory offers, which should also be considered, but in general terms the driver should take care to familiarize themselves with the fine print on their policy.

Some things to look out for when considering a policy as a whole include:

• The quality of repairs. While most auto insurance covers the physical repair of a damaged vehicle, different companies offer varying levels of service. A cheap auto insurance policy may not guarantee the replacement of damaged parts with genuine auto parts from the manufacturer. While this is not a problem for some, others will have more confidence in their vehicle if it is repaired to the maker’s standards.

• The location of repairs. Many insurers keep their costs low by working with their own preferred repair shops. These shops give companies lower prices in return for repeat business. However, the shop is a business too, and drivers must ensure that low cost doesn’t mean low quality. Smaller insurers specify the shop in the fine print, while larger companies offer a selection. Find one you trust and see whether they are approved for use.

• The deductible. While most drivers will encounter the deductible before reaching the fine print, this amount covers a specific value and can vary based on certain conditions. These potential alterations are then specified lower down in the policy information. Every driver knows that a higher deductible means lower premiums, but keep an eye out for any special circumstances.

• Consider your situation. Some insurers break down the cost of cover in their small print, indicating why your policy costs what it does. This allows drivers that take the time to read it to understand what they may need to do to improve their quote in the future.

• Take note of exclusions. As alluded to previously, low cost auto insurance can often mean that certain aspects of cover are not included. This are listed in the fine print as exclusions and specify exactly what the insured party is not covered for. If something stands out as being problematic, it can be best to contact the insurer and request a quote that includes the missing cover, or move on to another quote completely.

The fine print makes a policy and directly affects the price. Companies sell the majority of their insurance with bold advertising, but the small text at the end is what really matters when deciding whether a certain type of low cost auto insurance is the right insurance.

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