Questions to Ask: Buying a new car in 2014

Any new car purchase can test the stress of the buyer. After all, how do you know you are getting the best deal, and how can you make sure that your 2014 auto will be a good one on your budget? Some key questions can certainly help you along the way.

One of the most important questions you should ask is about insurance. When calculating the total cost to own a car – purchase price, maintenance, fuel, and others – the car insurance policy emerges as a big factor. Before you even consider a car, you should pay attention to anticipated policy costs as there can be a sizable difference with comparable new cars.

Here are some strong starting points that you can start out when talking with your independent insurance agent:

  • Discuss the average insurance costs for the cars that interest you. Is there a big difference in general auto insurance costs for one or more manufacturer or model?
  • Go a bit deeper and receive the numbers for the type of auto policy that you would want – to receive a narrow ballpark of what a policy would look like for your top two or three choices. For instance, what would the premiums look like for comprehensive coverage of X amount on Car A and Car B? This information can help you zero in on the long-term costs of insurance for any given car.
  • Also, look at other factors involved in insurance. Will your car qualify for discounts? Don’t be afraid to ask questions that can help you get a good sense of the insurance costs for your new car purchase.

During this process, it is a good idea to speak with an independent agency, as agents at this type of company can compare quotes (online and in person) from different insurers. That means you’ll get the most competitive prices – not just what an agent (in the case of captive agents) is trying to sell you from the single company.

Use this information to gain a clearer sense of your new car purchase!

Passenger Seat: Are you Covered by the Drivers Insurance?

No matter in what state you drive, you’re responsible for the injuries that your passengers suffer during a car accident in which you are at fault.

This means that you need the proper amount of auto insurance to cover any medical treatment that your passengers might need following an auto accident. Personal injury insurance is what provides this protection. Fortunately, this type of insurance is required in no-fault car insurance states, meaning that the odds are high that your auto insurance policy will include this important coverage.

By having this coverage, you’ll provide peace of mind to the person sitting in your car’s passenger seat. This person, after all, might face expensive surgeries and other medical treatment should you get into a car accident. If this person knows that he or she is at least covered by the drivers insurance, this will give this passenger one less thing about which to worry following an accident.

When taking out a car insurance policy, it’s important to make sure that personal injury protection is indeed part of your coverage. You don’t want to find out after an accident that you’ll be paying the medical costs of the person in your passenger seat.

The importance of personal injury insurance also proves a point about shopping for auto insurance: It’s possible today to view live insurance quotes online. This makes shopping for auto insurance less of a hassle. But it also encourages consumers to look so closely at price that they forget to evaluate the amount of coverage that an insurance policy will provide, too.

When you’re shopping for an auto insurance policy, make sure to consider whether the person sitting next to you is covered by the drivers insurance. The savings you get with a cut-rate insurance policy might result in big medical bills in the future.

Lapse in Your Oregon Car Insurance Policy

Lapse in Your Oregon Car Insurance PolicyMost Americans, in an attempt to hold onto savings they cut down on their daily expenses. An inclusion of even car insurance premium into the block list, affects you. If you are not owning a car insurance, it simply means you are going uninsured. This does cause trouble to the other person involved in any accident with you as he will have to turn to uninsured motorist coverage under his own policy. Do not try and save on that little money.

Lapse in Coverage and It’s Penalties

If there is any lapse in coverage then it will easily trigger penalties. This is often expensive and becomes difficult for you to obtain a policy in future. Unfortunately, it so happens that drivers who are uninsured tend to often meet with accidents. Such instances, with no insurance or a gap in coverage easily burns your pocket. You will be labeled as risky by the insurance companies and will end up paying heavy fines when you decide to get insured again.

Be it any state, driving without an insurance is illegal. With high number of uninsured drivers, Oregon state has rolled out stringent measures for those who fail to get covered and heavy fines for lapse in their coverage. Any driver can be easily held by the cops by just running down on the number plate of the vehicle and be punished severely for lapse or failure to hold a policy.

Financial Hardship and Insurance

There are drivers who cannot afford insurance due to unemployment, without work permit or even relying on other members for commuting. With small paychecks they are unable to pay premiums and obtain a car insurance policy. In such situations, talk to your agent or the insurance company and tell them about your financial condition. They would raise your deductible on comprehensive or collision coverages, cut down on policy rates to reach required state minimum liability and reduce your premium rate. You will also be given an option to pay premium only for the miles driven, framing an affordable insurance rate.

Rewinding The Tips to Obtain Best Policy

Tips to obtain Best PolicySmart Shopping: You do not want to end up paying more than what is needed on your car insurance policy. To determine your premium, the best option would be to shop around, look for deals and select the one which suits your requirements. Though it consumes some time of yours, it still saves you a lot of money and helps you in finding the best policy. If you have chosen the right policy, then you can continue to be with the same insurance company for a long time and lead a peaceful life as your money is in safe hands and reaches you when needed. Along with signing a bond, ask for the service provided, claim process, benefits, reliability, efficiency and timely assistance, which are certainly of prime importance when any accident occurs.

Seek Unbiased Information: Get knowledge from where ever you can, be it many of those unbiased sources such as internet, libraries, state insurance departments, insurance publications, consumer groups and many more which forms excellent resources. You might be aware of insurance terms and other words used in their business, a little knowledge and a dig into insurance glossary can help you in many ways.

Choosing your deductibles: Deductibles are that amount when committed to it, you will have to pay much before your insurance company pays for it when any accident occurs. Comprehensive and collision coverages come as a deductible. By choosing deductible of higher amount you can reduce your premium rate considerably.

Keep a duplicate copy of your policy: Any unlikely event can destroy your home and the inventory list in your home. In order to fix the loss, it is always a good idea to keep a copy of your insurance and inventory list away from your home, either at bank or at a friend’s house who is trust worthy. Ensure safety and accuracy.

Driving Under Influence and It’s Effects

Driving under influence & it's effectsProtecting you and your family members from financial losses which occur due to an accident is possible by having a car insurance policy. The losses can be medical bills, car repair and other services mentioned in your policy. One major factor which determines whether car insurance policy will be offered to you or not, is when you commit an accident when under intoxication.

Hard Effects

Driving While Intoxicated (DWI) or Driving Under the Influence (DUI), a terminology used for drinking alcohol and driving. It has a simple fact behind that drinking and driving can result in death of yourself or other people on Nevada roads. Every state in US has brought out stringent measures and set a limit of 0.08% of Blood Alcohol Concentration (BAC) for those who drive under the influence of alcohol. Commercial drivers have a limit of 0.04% and for those who are below 21 age, the limit is set to zero and if found to cross the limits, will be arrested.

A DWI arrest can be very expensive and might lead to worse consequences where you can be put behind bars, have license suspended, heavy fine or even cancellation of license. If at all the DUI accident resulted in someone’s death, the end result is even worse. Strict measures over transportation of alcohol has been made where it has to be carried over in trucks and has to be sealed, if found having an alcohol bottle illegally and open, then get ready to face the worst of situation.

At every county, law enforcement officers have set up a check point to perform a thorough check on your vehicle and the driver. These check points are active all through out the year specially on weekends and holiday season. You could be stopped at these points and asked for many questions, and a sobriety test might be performed on you. If this test confirms that you are on high and under intoxication, you will be sentenced to jail.

Consequences of Not Having Insurance

Consequences of Not Having InsuranceMany things are unpredictable. You will never know if someone comes and bangs into a parked car, a tree falls on your car, a kid throws a stone on car, any glass damage, or if any natural disaster wipes out your car or cause damage to it. The perils can also damage a parked car. Whether you drive your car or not, in a good condition or immobile, ensure it is insured.

As accidents are unforeseen, if you cannot avoid one, it is better to protect you and your family from hazards by owning a Virginia car insurance. It’s not just enough if you own insurance, you should also understand what is covered in your policy. The coverages you opt for, benefits of insurance and many more. If you want to make the best use of your car insurance, choose the right policy to suit your requirements. Make sure that your insurance company is capable of handling claims quickly, fairly and efficiently. In Virginia state, along with you, if another person or a family member is insured under the same car insurance policy then even their driving history will be considered while quoting a premium. The factors such as car type, usage, purpose, miles driven and many more will collaterally give you a premium rate, either a high or low premium. As every state, even Virginia has its own set of rules and regulations in order to ensure safety to its citizens and hence mandates the drivers to stick to the traffic rules.

You can check with your Department of Insurance to find reviews on an insurance company you chose as the best. Think smart before you ink and obtain a car insurance by talking to your agent today.

Things To Remember While Driving

Things to remember while DrivingOne major thing to be considered specially when you are the owner of a vehicle and the car is being used extensively is, your car insurance. As every state mandates the car drivers to own car insurance, even Georgia asks for a legal comply with a car insurance policy much before you drive on the roads of Georgia.

No matter how low the premium might be, an inexpensive policy does you absolutely no good if the insurance company cannot cover your claim when your car has been involved in an accident. You should choose a car insurance company which is financially sound, has a history of providing good service and charges a fair rate.

  • No Cell Phones : You need to concentrate more on your driving if you are a young driver. It is mandatory that you should use hands free when you are using cell phones. Though you use hands free while driving the car it is very dangerous to to talk over the phone.
  • Practice Well :If the young drivers practice their car well, more comfortably they can drive the car. Practice your car well by driving regularly.
  • Two-Second Rule : Use two-second rule to judge how much distance you should maintain from the vehicle ahead of you. Calculate how long it will take to pass the spot where the vehicle ahead of you was present.
  • Be Courteous : Roads in Georgia are no joke, you should be a courageous driver. While turning make sure that you switch on the indicators so that the other drivers are indicated about your actions in advance, giving them warning.
  • Don’t Drink & Drive : DUI is serious matter in Georgia because this may lead to suspension of your license, you may be fined with huge penalties. Remember to drive safe and smart!

Shopping for Your Washington Car Insurance

Shopping for WA Car InsuranceAny car insurance policy is a legal contract and begins with declaration page. Every Washington car insurance has it’s own policy number, coverage limits, policy term and information about the insured and also a description of vehicles listed under your policy. Every car insurance policy is unique and has it’s own identification. Your Washington car insurance is a general agreement with a broad statement with all perils and risks covered listed under one form. This also has exclusions specific to events, states, policy types, forms and also circumstances which make them not be covered under your policy. If you have zero knowledge of insurance, the definitions make your concept of insurance clear and will avoid every misunderstanding.

Gather Information Before Shopping

Information you will need to gather before you set out for shopping are:

  • Make and model, built year of the vehicle.
  • Identification number of the vehicle.
  • Any bank or financial institution which financed for your car purchase, it’s details such as name and address.
  • Miles driven every year and the way vehicle is being used.
  • Primary driver and others if any driving the vehicle.
  • Percentage of time vehicle used by each to be covered driver, an estimation of it.
  • Any accidents or violations committed, it’s history.
  • Safety measures taken or installation of protective devices.

Specific Factors Affecting the Rate

  • Your driving record: more the tickets raised or violations committed, more will be the risk covered.
  • Your geographic territory: More claims made by urban than rural areas
  • Your gender and age: women have less accidents compared to male. Also certain age groups have had more claims.
  • Your marital status: lower rates on claims have been showed by married people.
  • Vehicle use: Annual mileage depending on car usage resulting in higher risk.
  • Make and model of your vehicle: More number of claims are made by sports or luxury cars.

Understanding Car and Co-Insurance

Understanding Car and Co-InsuranceRates comparison before buying a car insurance policy in Virginia is recommended with wide variety of policies and different companies giving you their best quotes online. All you need to do is take little time of yours and obtain the best quote by quotes comparison which can save your money and hence obtain the best deal for you. Your car insurance policy should define your needs and requirements, suitable for your budget. Opting for the best amongst many carriers in Virginia when made easy, roll out that time and get a car insurance of your choice.

Now Coinsurance

Do not do the mistake of signing up for just the face value or less than the face value if you insure something, be it a house or its content. Hence sign up for a co-insurance policy to know how and what exactly replaces the face value of a structure built or any of your prized possession. When a claim is made and the amount is being paid by the insurance company, do not agree for anything less than what is required and instead pay for it out of your own pocket. Co-insurance has a clause where you will pay only a share of the expense incurred and rest will be paid by your home insurance policy. To end up obtaining 100% of your claim amount, talk to your agent today and get the best out of co-insurance and keep yourself updated with your policy.

Get A Good Rate

With a wide competitive insurance market in Virginia, you would enjoy your buy provided you shed out that extra time to gain certain knowledge on how a car insurance policy works and on how to make a smart choice when deciding on coverages. Having a car insurance is made mandatory, but opting for affordable and best policy is your choice. Get multiple quotes from different companies before you decide on any company and policy type. It is always better to talk to an agent, clarify your doubts and then proceed to obtain a Virginia car insurance policy.

Getting Your Car Insured in Vermont

Car Insured in VermontHighest car insurance costs are recorded in the state of Vermont with factors contributing to the high cost. Being a populated state, specially with more drivers in the urban areas and hence more number of accidents. Vermont is an expensive state with higher cost of living, so will the medical expenses, car repairs and the cost of litigation. The state has more of bodily injury and property damage claims when compared to other states. With increase in claims, cost of your car insurance policy also increases.

How is Your Premium Calculated?

Be it any person driving on Vermont roads will need a car insurance. This is made possible only if you put little of your time into a research on how things work around your car and the insurance company. Few factors are considered by every insurance company before deciding on your premium rates. Type of vehicle, model, location, buy, driving experience, if any violations or tickets, your marital status and many more. Certain factors will be termed as risk by few companies which will be crucial in determining your premium rates. Know what the insurance company will look into and work on those factors to benefit yourself. You can estimate a premium and then decide on the best insurance.

Registering Your Car

Are your important and required papers not in order ? Then registering your car can get difficult and tricky in Vermont. It is you who will have to bare the circumstances and heavy cost if anything is found against the rules resulting in issues. In order to get your car titles in Vermont, your car should be damage free, if required should be repaired and not left undone to avoid the repairable cost. Such vehicles will under go an inspection and will be determined if it’s worth to be on the roads after a count on number of repairs. Vermont car insurance companies do provide good benefits, greater discounts and apply surcharges to their feel best factor. It purely depends on you to look for the best car insurance company suiting your requirements.