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Monthly Archives: November 2018

SUV and Auto Insurance

SUV sales have continued to rise despite the higher cost of insuring those vehicles and the cost of gas. The belief that an SUV is safer, is a commonly held misconception about SUVs. Sports Utility Vehicles carry with them very unique risks that have an impact on auto insurance rates, like the fact that he vehicles are heavier and taller than other autos. This weight to height ratio results in SUVs being involved in more rollovers. In fact, SUVs roll over in twice as many fatal accidents than passenger vehicles.

Besides the SUVs risk to itself with rollovers, the greater height of the vehicle also poses more risk to other, smaller, cars. Any driver of a smaller car can relate to the fact that many SUV’s headlights are positioned in a place that reflects directly in the mirrors of smaller cars, causing a blinding glare. Also, the height of the bumper places a higher risk of significant damage in a collision with a smaller car. A National Highway Traffic and Safety study in 1999 showed that over 5 percent of traffic fatalities in the U.S. would not have resulted in fatalities at all if the accidents had occurred with two regular size cars rather than a truck or SUV. The study went on to show that SUVs and light trucks are two times more likely to cause a fatality in a collision.

Another major factor in the higher risk of SUVs in collisions has to do with the drivers themselves. Many people want to feel safe behind the wheel of an SUV, which places them higher, but also limits their ability to see smaller vehicles, but they do not know that an SUV has to be handled differently. In fact, the handling on an SUV is very different from a compact or passenger vehicle, and extra training could help keep an SUV owner much safer on the road.

Since SUVs show no sign of disappearing anytime soon, it is important that SUV owners and other drivers on the road acknowledge the risk of the SUV. Remember, the best way to prevent a collision is to drive defensively. SUV owners need to keep safe driving distances and passenger car owners need to be understanding of the limited sight of the SUV driver.

Still, if you are an SUV owner or considering purchasing an SUV, you will need to understand that you will pay more for your auto insurance than if you own a smaller vehicle. Make sure, though, that you do not overpay on your auto insurance. Take time to shop around to see who can offer you the best deals on auto insurance for your SUV. Take the time to look into financial stability and customer service, and find the auto insurance that will give you the best service for the best money. Then keep that great auto insurance rate by driving your SUV safely.

Auto Insurance Online

Researching Your Options

The first step is to find out which insurance companies do business in your state. You will also want to have your current insurance paperwork handy. That way, as you explore your options for more affordable car insurance, you know you’re comparing a new insurance offer that is comparable to what you currently carry. Most insurance providers have websites where you can get free (and usually instant) quotes on your new insurance policy. You can quickly obtain a number of different quotes and compare your options based on the type of coverage you need.

Understanding Your Options

But before diving in and signing up for any of the plans you’re considering, be sure to read the fine print and have a clear understanding of what’s covered, what’s not and how much you will be expected to pay out of pocket. This is always good advice with any major purchasing decision so of course the same rules apply when seeking out car insurance. And that way, there won’t be any nasty surprises down the road, which is the last thing you need when you have to call on your insurance company to step in as a result of an accident or other incident.

Closing the Deal

After deciding which company you’d like to do business with, the last step is finalizing your insurance plan. Some companies do this entirely online while others prefer to have a representative contact you via phone to finish up all the paperwork. And actually, many companies let you choose between those two options so you can finalize your new, cheaper insurance plan in the manner that is most convenient for you. Either way, this is so much more efficient and painless that if you’ve never purchased insurance online, once you do, you will probably be hooked.

In fact, at that point, you’ll have a clear understanding of why researching and buying car insurance online has increased in popularity with many drivers over the past few years. Since consumers are able to easily compare their options for insurance coverage, this forces the insurance companies to provide the best rates they can possibly afford, so everyone benefits.

Lowering Your Car Insurance Rate

– Deductibles. Changing the deductibles on your insurance can have a drastic influence on your insurance rate. You should make your deductible for collision coverage as high as you feel comfortable with. By having it as high as $1000, can make a big difference on your insurance. On the other hand, you probably want a low deductible on comprehensive coverage, since you do not want to be stuck with a big bill if someone hits your car in a parking lot and runs off. Take the value of your car in consideration. If your car is worth less than say $3000, you can probably drop collision coverage completely and save enough money in a couple of years to replace your vehicle.

– Sports and four-wheel drive cars carry a significantly higher premium than other cars, especially if you are under 25 years old. Make sure you can afford the insurance before buying such a vehicle.

– An anti-theft device carries a lot of weight with insurance companies. If your car does not have one, it might be worthwhile to have one installed. You could have one installed for as little as $100.

– Avoid unnecessary and frivolous claims. It might sound like common sense, but a lot of people abuse their insurance with petty claims. Consider how much your deductible is and how much the repairs will cost. If may be worth your while to pay out of pocket, since many companies reward drivers for being claim free.

– Exaggerating the value of your car does not impress anybody and will cause a higher insurance rate. Only insure it for the amount you need for replacement and update this amount annually.

– If you can, pay your premiums annually instead of monthly or quarterly. Insurance companies often add a service, or interest fee if you choose to pay monthly.

– By doing your research and buying insurance online may save you time and money, because many companies will give discounts online. It is also easy to get comparative quotes.

Info of Discount Auto Insurance

Finding discount auto insurance is actually quite simple if you use the online tools that are available to you. There are many insurance companies that will offer you online insurance quotes and then allow you to purchase your insurance right from your computer chair.

What you want to be sure to do is get plenty of quotes. You also need to makes sure you are comparing like coverage. Read all the hidden clauses and get all the details to make sure you are comparing the same coverage. We recommend getting at least 10 quotes.

Buying online insurance can save you both time and money. No more wasted time sitting on hold on the telephone, or driving around town from one insurance company to another, then waiting to see an agent. Now you can accomplish all of this with a few clicks of the mouse.

You can also save up to 40% by shopping online. The insurance industry is very competitive and with the advent of online insurance purchasing it has become even more competitive.

On sites you may still have to wait up to 24 hours to get the quote back but that’s not too bad at all. Remember to be truthful on the quote applications.

Insurance companies will validate the information you supply so if you tell little white lies and get a better rate, they’ll take it away from your later or worse yet cancel your insurance.

There are many different ways to get a discount. A clean driving record, no tickets, no accident, your age, drivers over 50 often get an extra discount.

The type of coverage you choose can also earn you a bigger discount. For example the higher your deductible the bigger the discount. Different types of vehicles will also earn bigger discounts. The more safety features your vehicle has the more of a discount it will earn. Also the less driving you do the more discount you will earn.

There are many things to consider when buying insurance, all affect your rates. You should decide what coverage you need and how much of it you require before requesting quotes. That way you’ll be asking each insurance company for the same coverage.

Some states and provinces require minimum coverages, such as with liability insurance. Be sure you know and understand what coverage is required by law and make sure you include these coverages in your request for quotes.

You should also make sure you choose reputable insurance companies to deal with. Great savings are only a good deal if in the event of an accident your insurance company very quickly handles the claim. Companies that drag claims out and prolong paying are no deal!