Insurance Info

Forget ‘mirror, signal, maneuver’, for some female motorists it seems the routine has been replaced by ‘mirror, mascara, and maneuver.’

A new poll by female car insurance provider Diamond has revealed that almost one fifth of women put on make-up while driving with three percent admitting they have even crashed their car as a result.

The risks of distractions while driving

Applying make-up while on the move may seem like a time saver, but it means that your full attention will not be on the road ahead. Being involved in an accident not only puts lives at risk, but it could also have a serious affect on your car insurance premiums – wiping out a no-claims discount. Continue reading ‘Could Women's Bad Habits Increase Their Car Insurance?’ »

Most shoppers know how important it is to compare rates when shopping for car insurance, but many do not understand how to get the most from their auto insurance comparisons. Before you start shopping for your next car insurance policy, there are a few things you’re going to want to keep in mind.

First and foremost, make sure the quotes you’re comparing are “apples to apples” quotes when you’re performing auto insurance comparisons. What exactly does this mean? Company A may offer you an insurance policy for less than company B, but if the policy doesn’t offer nearly as much coverage as company B’s then you’re not really getting the deal you think you are.

Make sure you know exactly what coverage you’re being quoted for and make sure all quotes you receive are based on the same coverage information. Only then can you be sure you’re really getting a great deal, and not just inferior coverage. Continue reading ‘What’s the Most Important Thing to Keep in Mind When Performing Auto Insurance Comparisons?’ »

When you go to your insurance agent to get car insurance, what you’re actually getting is several smaller policies all put together to create one car insurance policy. In this article, I’ll explain what each part is, what it does, and why you need it (of if you don’t).

While you’d think the term “car insurance” is pretty self explanatory in what it covers, it’s actually more complicated than that (like so many things in life).

For example, you need insurance to cover any legal fees, lawyers, court costs that can result from a lawsuit if you are taken to court after an accident. It also needs to cover medication and medical bills for you if an uninsured or underinsured driver hits you and injures you. In reality, there are hundreds of potential costs that don’t have much to do with your car that end up being covered by auto insurance. Continue reading ‘The Components of a Car Insurance Policy’ »

Consumer Reports magazine recommends that car owners buy the best auto insurance they can afford. But what makes one car insurance policy better than other? When it comes to car insurance, a higher price does not mean a better policy. In fact, you may be paying twice as much as your neighbor for the same coverage. The best way to find cheap car insurance is to compare quotes online; that way you can compare apples to apples to get the best deal.

It helps to know what coverage you must have and what coverage is optional. You must have bodily injury liability insurance, which covers the medical and legal expenses of victims of an accident that is your fault. You should have coverage that will pay at least $100,000 per person and $300,000 per accident. If you have considerable assets, you may want to increase the liability coverage.

Property damage coverage pays to repair or replace another person’s vehicle or property that you damage. Requirements vary by state, typically ranging from $10,000 to $25,000. You can better protect your assets by having coverage of $100,000 or more. Continue reading ‘For Cheap Car Insurance Compare Rates Online’ »