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28 May 2014 

Auto Insurance: Collision Coverage-kiplinger









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The cutoff for declaring a car to be totaled is usually somewhere around 75% to 80% of the car's retail value, though it may be the cost of repairs plus the car's salvage value. If your car was in the kind of condition that would make it worth more than others of its kind, you'll have a fight on your hands to get what you think it's worth. You don't have to accept the claims adjuster's first settlement offer. Counter with an amount you think is fair. If that fails, take your case to a senior adjuster at the company. Bring your agent in as an ally. Ultimately, you can seek help from your state insurance commissioner, take your case to arbitration, or even file a lawsuit. As your battle gets more and more expensive, you may decide to settle for a somewhat better offer than you got to begin with.







Which factors really affect your car insurance rates? | KSL.com






Credit scoring has been modified so much to fit the needs of the insurance industry that credit score is a better predictor on future claims on auto policies than speeding tickets are, Platt said. Forty-three percent of those surveyed by Insurancequotes.com wrongly believe income is a factor. You can have someone who has a six-figure income, who manages their money poorly and has a poor credit score, which impacts their insurance rates negatively. Theres no direct correlation to income, Platt said. Dave Platt Credit: KSL TV There is a direct correlation when it comes to location. Thirty-seven percent are unsure or don't know their address is a factor in premiums. But if you live in an area more prone to crime or extreme weather, expect to pay more. Its the same if you live along the Wasatch Front. In Utah, its easy to figure people who drive I-15 every day are more likely to have a wreck than people who live in Vernal, Utah, and drive two or three minutes to get to work, Platt said. He said your best bet in getting a good rate hinges on a good driving record, good credit and comparing rates from different insurers.



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20 May 2014 

Use These Auto Insurance Tips And Save Your Money


Everyone who owns a car needs to find insurance for it. Finding the right car insurance for the right price can present a challenge. You'll want to take into account not only the type of coverage that will fulfill your needs, but also a cost that fits your pocketbook. Prior to shopping for auto insurance, you should do your research and identify exactly what you need in an insurance policy. This article contains some great auto insurance tips.



Reduce the number of miles you put on your car annually in order to enjoy lower auto insurance premiums. Most insurance companies will lower your premium if you drive less.



Learn about the range of coverages before you choose auto insurance. Even if you are just insuring one vehicle, many factors going into figuring the final cost of the policy. If you accidentally hit someone, bodily injury liability will cover all legal costs and injury claims.



See if your auto policy will cover aftermarket additions before buying any. Often, your insurance company will not cover the value of aftermarket parts, or will only cover the total value of the car with the parts added.



It is a common misconception that the cost of auto insurance automatically drops as the driver reaches 25 years of age. However, the truth is that rates slowly decrease from the time a driver turns 18 years old, as long as he or she maintains a clean driving record.



The amount you pay for auto insurance each month will greatly depend on the type of vehicle you purchase. If the insurance costs matter to you, then it may be best to keep that in mind when making your choice. Go with something modest and safe if you really want to save the most money.



Think about what type of coverage you need on your auto insurance. Out of the many options offered by insurers, some may not fit your needs. Investing in collision coverage is a good idea if you want to avoid paying out of pocket in the event of a crash, or if you have a history of minor accidents.



When purchasing car insurance, it is important to keep in mind that they are only insuring the driver of the car that is on the policy. Sometimes, people allow a friend to borrow their vehicle, but if this friend wrecks, your insurance company will not pay for the damage. You could always pay more for insurance so other people can drive the car.



Always be certain to purchase property damage liability coverage as part of your auto insurance policy. That will ensure that damage caused by your car in an accident is covered. All but three states actually make this a http://oddiyanadharmasanctuary.org/ requirement. This sort of insurance will protect you if you are involved in a crash.



As mentioned, before you buy insurance, it's important to learn about the insurance you need and to do thorough research. Having enough information should help you be able to get auto insurance with a decent price. Use the advice in the article to help get the auto insurance you are going to need.
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14 May 2014 

Valuable Tips About Auto Insurance That Can Save You Money


Car insurance does not only cover your car. It's also designed to protect you and http://www.tuoihuette.info/ other people that are out there driving. You need to know that it covers all the things you need it to. Use these tips to get the best auto insurance coverage possible.



When considering the purchase of aftermarket additions for your car, be sure to check how much your insurance company will cover if your car is stolen or damaged. Most of the time, they will not cover those unless they add value to the car, but that may not be a lot.



Buying extras for you car is something that you shouldn't be doing. Luxuries in your vehicle, while nice, are not a necessity. If ever you car is stolen or totaled, your insurance won't reimburse you for damages done to it.



Don't take the first cheap quote you find. It may or may not be a good deal. Read the fine print on any insurance policy and ask questions of their representatives. Make sure the policy in question offers everything you need.



Think about removing some coverage from your auto insurance. Collision insurance might be an unneeded extra if you drive an older vehicle, for instance. Forgoing collision coverage can result in significant savings. Comprehensive and liability are other aspects of your insurance that you can look into removing or raising deductibles for.



Contact a representative of your vehicle insurance provider to request a complete list of available discounts. You should note every discount that might apply to you. You'll want to get the best rate possible.



Bundling your insurance can help you save on auto insurance. Which means you would benefit more if you get insurance for your car and your home at the same time. Be certain you receive solid coverage at a fair price, even if it means purchasing multiple different policies.



You shouldn't buy new cars for teens. The best way to save money is to let them use a car that you already have. Adding them to your preexisting insurance plan will be much cheaper. If your teen consistently gets on the academic honor roll at school, they can get a discount on car insurance.



No two insurance companies are alike. If the premium that you are quoted seems high, check out the rates at some other insurance companies before you make your decision.



Search for rates from a variety of companies before selecting the auto insurance that works best for you. You will most likely have to shop around in order to find the best one.



If there are drivers that are listed on your policy who don't drive your car any longer, have them taken off as soon as possible. Although other drivers may increase your coverage, it also increases policy costs.



Consider all that you have learned in the above paragraphs, and find the ways that it will directly or indirectly affect your current policy. Checking your policy using the guidance above will help you make sure that you are not paying for coverage that you don't need, but protecting yourself with the kind of coverage you do need.
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14 May 2014 

Full Coverage Car Insurance With No Deposit To Pay Up Front, Know Here How To Get It - Town Square - Beverly, Ma Patch








Why You Shouldn't Trust Those Cute Car Insurance Commercials | Article 3




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You could also lower your car insurance with no deposit rates by choosing a higher deductible. But you need to be prepared for spending more from your pocket if you meet with an accident. 5. Select a car which poses lower risks to insurers. The type, make, model and year of manufacturing of a vehicle could play pivotal role in determination of car insurance rates. Cheap small cars or used cars will cost less money to insure. 6. Detailed comparison shopping is the key to finding the best insurance rates but that can be a challenging task. to simplify your process, you can seek specialist help which can be easily accessed online. On the internet, there are firms that teach people how to locate a cheap car insurance quote with no deposit. Such agencies have a team of specialists across the nation which is well versed with the exact requirements of the multiple auto insurance quote comparison procedure.







Cheap Full Coverage Auto Insurance with No Down Payment-Now Get Easiest Way - Town Square - Trenton Grosse Ile, MI Patch






To get cheap and affordable premium, one needs to have a used car or a low range car. Companies normally can change the existing policy and modify them as per the needs of the person. But few companies also charge fee to do this. Thus its important to check the rules of the company and get the conformation. There are providers that also offer polices like pay as you go. Under this policy if the family has gone for a vacation and are not aware about the number of days they are going to spend, such insurance policy will help them. But all companies dont provide such option, thus borrowers need to do their own research on the internet as per their requirement. There will be many companies that will be ready to provide cheap car insurance deals.










This followed a press release from the New York Public Interest Research Group claiming that the top New York insurers would charge higher rates to a high school graduate with a blue collar job than a college graduate with a professional or managerial job. State insurance departments normally limit the factors an insurance company may use in setting rates, including ZIP code, age, driving record, car make and model, marital status, and gender. California, Massachusetts, and Hawaii ban the use of credit scores in setting rates, and California also prohibits the factoring in of occupation or education. While the insurers argue that all the factors they consider are closely linked to driving patterns, the Consumer Federation of America has claimed that the insurers are using data mining for price optimization a technique of charging the highest rates a company can get away with before a client jumps to another insurer. The NYPIRG study was simple they made a number of requests for insurance quotes using the same basic data regarding age, driving record, and vehicle, but using wildcard variables of education and occupation. While State Farm charged the same price for all models, the other companies charged the least to a college-educated bank executive, and the most to a retail cashier with a GED. The researchers started with a profile of a 30-year old single woman living in moderate income areas (c. $30,000 $40,000 median income), who has been driving for 14 years, driving a 2008 Honda Civic 7,500 miles annually. They repeated the experiment in different sectors of the state, and the pattern repeated itself. In other variations, a college education and an executive job was offered a lower rate than a cashier, even when the cashier was represented as having a spotless driving record, while the executive was presented as having caused a crash, or had two speeding tickets, or drove twice as many miles each year.



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08 May 2014 

New Company Cheapinsurance-4.me Offers Cheap Insurance And Free Insurance Quotes


A new internet based business has been launched. Cheapinsurance-4.me is intended to help Americans in finding cheap insurance. They specialize in home, life and cheap car insurance.

Seattle, WA - A new company, Cheapinsurance-4.me has been launched with the goal of finding Americans cheap insurance. Cheapinsurance-4.me is a web based portal that provides free insurance quotes. Visitors have full access to free insurance quotes from all of the top providers. In addition to insurance quotes visitors can utilize a catalogue of information regarding insurance.

When asked about the new company representative Michael Borg responded, "Ours is not the first insurance website by any means, but we do provide a fresh iteration. Our company's goal is to find our visitors the cheapest insurance possible. We aren't affiliated with any single insurance provider, so we are unbiased in our services. Our website provides visitors with numerous resources to aid them in their quest for cheap insurance."

The new company's website, http://cheapinsurance-4.me/ provides numerous resources for their visitors to find cheap insurance. Visitors can learn what factors affect insurance rates and what they can do to lower their premiums. There is a library of information on car, home and life insurance.

Americans may receive free insurance quotes from top carriers directly through the Cheapinsurance-4.me website. Quotes are provided in real time, and users can select which carriers to receive rate quotes from. The website is now live and freely accessible to the public at

About CheapInsurance-4.me:

CheapInsurance-4.me is a brand new web portal for Americans to find cheap insurance. Visitors in search of cheap insurance are welcome to peruse the vast resources regarding insurance. Visitors can utilize the free quote system at
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