Most insurance companies will consider your age when determining how much you’ll need to pay for auto insurance coverage. Some will even offer to lower your premiums as soon as you reach the age of 25.
If you're uninsured and find yourself involved in an auto accident, you may be in for a rough financial ride. However, having adequate coverage allows you to rest easy because you know that the investment you made will pull you out of trouble.
If your business is to provide emergency services (ambulances, emergency response, etc.) your commercial auto policy needs to address some of the specific dangers your drivers and vehicles face. Each business has its own unique parameters, and insurance policies need personalizing to reflect this.
Remember, rental reimbursement coverage only applies when your car is out of commission because of a covered event. Taking your car into the shop for repairs or upgrades that are not part of a covered accident wouldn’t qualify for use of your rental car coverage.
Car owners who use their cars for business may be able to claim a deduction on their taxes. The amount to be deducted can be calculated from the percentage of time the car is used for business. Ask your agent about the Business use option on your policy or even having a Commercial Auto policy.
What can get your insurance cancelled, beside not paying premium? Several things, including too many tickets or violations, too many claims, and license suspensions. On the other hand, paying premium early and not having tickets or claims could keep your insurance price low.
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What is collision coverage in an auto insurance policy? That is a separate element of coverage that pays to repair your vehicle for damage incurred during a wreck when fault can’t be determined or when you are at fault for the accident.
Your car’s safety record can affect how much you pay in auto insurance. The safer the car, the less you will likely pay.
Truckers, we want you to know that resources are available for you while you work hard to keep our stores stocked. Our friends at Urgent Care Travel offer online services to keep you healthy and safe.
Truckers, we want you to know that resources are available for you while you work hard to keep our stores stocked. Our friends at Urgent Care Travel offer online services to keep you healthy and safe.
Different occupations can receive better rates based on their statistical perception as drivers. Speak with your insurance agent about how you, and other drivers on your insurance policy, may qualify for a lower premium.
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Why does your credit score affect your insurance premiums? It’s all about risk: research has shown that those with low credit ratings are more likely to file a claim than those with high ratings. Also, those with good credit are more likely to pay bills and pay them on time.
If your car happens to be equipped with aftermarket equipment (wheels, stereo, tv, speakers, amplifier) these may not be protected unless you buy additional coverage. This coverage comes in the form of customized parts and equipment insurance and is something you should definitely talk to your insurance company about.
Have you ever heard of a number called your "insurance score?" In many states, this is a number put together by your insurance company based on a variety of factors, including your credit behavior. An insurance agent can help you figure out how your credit affects the score.
Massachusetts, North Carolina, Hawaii, Alaska, and Oregon – are the five least expensive states for automobile insurance. While Michigan, Louisiana, Kentucky, West Virginia, and Mississippi are the five most expensive states.
Perhaps the best way to save money on your car insurance premiums is to opt for a higher deductible. Since you don’t want to select a higher deductible than you can afford, let’s discuss which level is best for your situation.
While the state you are in will require a basic auto insurance package, if your car is under a financing program, the lender will likely ask for more specific insurance terms. It is important to read their requirements so you can select the correct coverage.
There are a great many variables associated with riding a motorcycle regarding damage, liability, and other aspects of ownership. Talk with your agent about a low-cost umbrella policy to cover those items not specified in your standard policy.
Be careful with the amount of your deductible. While it is a way to lower premiums, you do not want to carry so high a deductible that you cannot afford the out-of-pocket costs that you would have to pay. We recommend setting aside the deductible amount in your savings account and leaving it alone until needed.
If you are buying a car for your teenager, the car you buy can affect your rates. Some cars carry higher premiums because of theft rates or poor safety ratings. Careful selection can bring better premiums over the length of the policy.
While a comprehensive car insurance policy is great to have, it isn't a license to throw caution to the wind. In fact, you'll need to be even more careful as frequent claims (more than one per year) may result to your insurer dropping you or not renewing your contract.
If you use your pickup truck seasonally to plow snow, you should have a commercial policy that covers that particular aspect of vehicle use. It can be structured to cover damage to your truck as well as any that it may cause.
Is your car insurance up-to-date? Driving habits changing, car values increasing or decreasing, and other factors all play a role in your insurance premium. A quick annual review will make sure you have the coverage you need and are paying only for what you need.