Car Insurance Deals

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Drivers crash cars for a variety of reasons, and those who have been in car accidents may often be quick to offer reasons why they are not at fault. Oftentimes, drivers may not want to admit that they were distracted, or not paying attention to the road.

According to the National Highway Traffic Safety Administration, 16% of all fatal crashes involved driver distractions in 2008. As a nation, we are focused on cell phone use and texting, but there are other forms of driver distraction that can be just as deadly.

• Eating on the Road: Hitting the drive-through and eating lunch on the road can put you at risk. Although you may be practiced at keeping your vehicle in the lane while steering with your knees, you are likely to be unable to execute any accident avoidance maneuvers

• Entertainment: In the past, drivers crashed while changing radio stations. Now, many cars feature DVD players, game systems, navigation systems, hard-drives, and touchscreens just to turn up the fan speed.

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Car insurance policyholders who fail to look after the interior of their vehicle could lose up to £500 when they come to sell it, research shows.

A report by Carsite.co.uk found that poorly maintained trims and upholstery could be costing motorists up to £500, while a messy interior devalues a vehicle by between £300 and £400.

Cracked or chipped windscreens are also a problem for car insurance policyholders, as they can reduce the asking price of a vehicle by £250 to £300.

Choosing an undesirable colour is also a bad idea when buying a new or used car, as this can reduce the selling on price by up to £500.

“A well-maintained car is the best way to get a good resell valuation and fill your buyer with confidence,” said Alistair Jeff, of Carsite.co.uk.

Last week, Protyre warned Car insurance policyholders that the cold weather could be doing damage to vehicles that is less visible but just as problematic.

Many consumers are concerned with protecting their privacy, especially while shopping over the Internet. Insurers have come to realize this need and in response are willing to provide rates without the need for items that individuals may feel is private such as a driver’s license and social security number. Having the ability to compare the rates of multiple companies without the need to provide such info provides online shoppers with a safe shopping environment and the freedom to obtain multiple quotes with peace of mind.

Websites such as OnlineAutoInsurance.com understands and caters to the desire of its visitors who would like to complete comparisons without providing private items. Therefore, visitors have the ability to obtain car insurance quotes without personal info as frequently as they would like to locate the best rates. M

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In Michigan, efforts are being made by insurance advocates to change the State’s long-standing auto insurance policy. Dr. Robert Hartwig is one of these people.

Hartwig, a medical doctor by profession, is also the president of the Insurance Information Institute. In his speech presented to the members of the Michigan House Committee, he testified that the “no-fault” system is what causes Michigan’s car insurance costs to increase.

A no-fault system is any type of contract by which the insured is indemnified for losses by their own insurer irrespective of who is at fault, or who had generated the damage or loss.

He stressed that there are no other states or locality in the US other than Michigan which offers unlimited no-fault benefits. Furthermore, these unlimited benefits are being translated into unlimited costs.

While other states are also increasing their policy rates, the factors which affect Michigan are also the same with the exception that there is virtually an unlimited source of funding for no-fault claims.

He declared that while this is happening, step-up in costs could be attributed to system operations which he claims as not having an efficient system of checks and balances. Contrar

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There are many details that need attention when someone passes away. Changing auto insurance policy information is probably at the bottom of that list, but eventually it needs to be addressed.

There are three likely scenarios:

1. A surviving spouse keeps the car
2. The car is sold
3. The car is given to a friend or family member

Surviving Spouse

If the surviving spouse decides to keep the car, make sure that the use rating on the policy is correct. Most insurance companies rate a vehicle driven for business higher than one driven for pleasure or commuting. Correctly rating the use of the vehicle could save hundreds of dollars a year.

Even if you commute in more than one vehicle, only one car should be rated as used primarily for commuting. Other vehicles on your policy should be rated as “pleasure use.” Make sure the mileage you drive for each vehicle is accurately reflected in your rating–most companies offer a discount or lower rate if the vehicle is not driven much.

If the car is not going to be driven, but remains the possession of the surviving spouse, consider reducing the coverage to comprehensive only.

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Say you have a hectic work schedule and you travel a great deal. Like most people in a hurry, you sometimes speed, and as a result, you have a couple of speeding tickets.

Now imagine that you have received several speeding tickets this year. Well, the cost of your auto insurance is about to go up.

Traffic laws vary by state, but some states consider four moving violations in a 24-month period excessive. In states such as this, your license can be suspended for 30 days.

This can make transportation difficult for you . If your license is suspended you may have trouble getting to the office, you are unable to rent a car, and you cannot provide transportation for your children. On top of all that, your auto insurance premium is likely to increase significantly.

SR-22?

You probably know that your auto insurance rates increase when you get a ticket, but do you know how much?

In many states, once you have had your license suspended, you must file a SR-22 “Proof of Financial Responsibility” form with the Department of Motor Vehicles.

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Consumers planning to take out a car loan have also been advised to take advantage of the scrappage scheme before it ends next month.

The government’s car scrappage scheme has led to almost 290,000 new car registrations in the UK, it has been confirmed.

With auto sales figures dwindling, the initiative was launched last year to provide consumers with discounts if they exchanged their old vehicles when purchasing newer, more fuel-efficient offerings.

A total of £300 million was originally set aside by the government and a further £100 million was made available in October, although this extra funding has not yet been required.

However, new data from the Society of Motor Manufacturers and Traders (SMMT) have confirmed that the scheme was responsible for 284,479 new car registrations between May and December 2009.

“The scrappage scheme has helped significantly to increase new car registrations in each of the last six months, including a 38.9 per cent increase in the December 2009 market,” commented SMMT chief executive Paul Everitt.

“This has provided an important boost to the UK motor industry and greater confidence for consumers. T Full Article…