Shopping for auto club insurance isn’t difficult, but that doesn’t mean you should purchase the first roadside assistance plan you find. Below are five questions that will help you comparison shop for auto club insurance.One: How many membership types does the company offer?Many companies that offer auto club insurance break their services into several membership types. For example, you might find a company that offers three kinds of membership packages (basic, mid-level, and premium), or you might find a company that simply offers a basic package and a premium package. Some companies keep it even simpler and offer one, all-encompassing membership package designed to fit the needs of the majority of drivers.Take the time to carefully look at each membership type. The goal is to choose the package that will offer all the services you need at a price you can afford.Two: Do any of the membership types place limits on the services?Some of the most common situations that call for roadside assistance include running out of fuel, getting a flat tire, locking the keys in the vehicle, having a dead battery, and needing a tow.As you’re shopping for companies that offer auto club insurance, and comparing the different membership types each company offers, pay attention to the limits each company might place on these services. If you do a lot of traveling, choosing to go with a business that only allows one or two of each of these common services per year might not be your best bet. On the other hand, if you don’t drive much or travel far from your home, friends, and family members, these kinds of service limits might not affect you.Three: Does the membership type that best suits my budget also best suit my needs?Americans are more interested than they’ve ever been in saving money; however, it’s important to know where you can and can’t cut corners.Choosing an auto club insurance plan based solely on its price could mean skimping out on crucial services you’ll need later on. Not having these services in your plan means you’ll have to pay for them out of your own pocket, and that could mean paying more than you would if you’d chosen the plan that covers the services.Four: How many states does the auto club insurance span?You might feel comfortable doing business with a locally owned auto club insurance company, but oftentimes the services these companies offer only span a short distance – your county, state, or a few states at most. If you’re a frequent traveler, look for companies with roadside assistance plans that span the nation, or at least all the areas you regularly visit.Five: Which drivers will the auto club insurance cover?If you’re a single individual and the only person who drives your vehicle, choosing an auto club insurance plan that only covers one person probably won’t negatively affect you; however, married couples and families need a plan that will cover every household member who drives the vehicle. Shop around for roadside assistance plans that automatically cover each driver rather than those that will cover more than one driver at additional costs.
Tips For Keeping Auto Insurance Rates LowStart by keeping a clean driving record. If you get a speeding ticket try to keep it off your record with a driver safety course, for example. Sometimes your insurance company will give you 10% off if you show recent completion of a driver safety course.Car Insurance CoverageCar Insurance Coverage has several different levels from basic liability to comprehensive. Liability just pays the other person and doesn’t cover you at all. So if you accidentally back into a fire hydrant, liability coverage will not pay for you. Also, if you end up hit by an uninsured driver, liability still may not pay for that. If you want coverage for these situations, you need to ask for it. It’s a good idea to get coverage for uninsured drivers and to get coverage for personal injuries especially if you do not have health insurance.Auto Gap InsuranceIf the value of your car is less than the loan you took to get it, then you need auto gap insurance. Auto gap insurance is designed to cover that gap. That’s because traditional insurance will only pay for the actual value of your vehicle, and not the price you paid. Traditional insurance pays market value which tends to be lower than the price you paid because automobiles tend to depreciate in value as time goes along.Affordable Car InsuranceBe careful when purchasing products touted as affordable car insurance. What is considered to be affordable car insurance can quickly become not so affordable when the insurer decides to deny you claim. That’s why it’s best to shop with an independent agent. That agent can advise you on his experience with car insurance companies and which ones to trust and which ones give trouble reimbursing claims.
When you own a car – you own insurance. Like it or not. And as much as you try driving careful, accidents do happen. Sometimes it’s what we do; sometimes it’s what others do. In this sue happy world, auto casualty can get very expensive. Unless you live in Wisconsin or New Hampshire it is a state law you have to retain liability coverage. Knowing the “nuts and bolts” of car insurance allows you to comply with the law and minimize as much as possible, costly expenses due to the occurrence of an accident. Liability CoverageThis covers medical in addition to property costs when you’re at fault in an automobile accident. Collision CoverageThis is optional but if the accident is your fault, collision coverage helps pay for repair of your vehicle. You pay a pre-established deductible and your insurance company pays the remainder. If your vehicle is totaled, your insurance company will pay you the car’s cash value. Comprehensive CoverageThis is optional as well. It is good to have as it covers items such as theft, damaged windshields and vandalism. It also includes falling trees, fire, flood and “acts of God” (other unexpected happenings). PIP (Personal Injury Protection)This will help cover medical and disability cost, as well as loss of incomes for driver and passengers. It does not matter who is at fault. Personal Injury Protection is optional in some states and a must in others. Uninsured Motorist ProtectionIf the car accident is someone else’s fault and they are uninsured, this protection covers property damage and bodily injury. The breakdown above is accurate in most every insurance situation. You should also seek advice from your local insurance agent as he or she would be familiar with your individual state laws. Talk to your agent about how to handle a claim, obtain estimates for repairs when damage occurs and time-limitations for filing a claim. Also you might inquire how long you will wait for claim payments.Remember that time spent to learn the basics of auto casualty insurance and set up your policy right is time well spent. When and if something does occur, you will be adequately protected from financial exposure that might otherwise be lurking in the shadows.
Cars break down, that’s just how things work, and there’s nothing we can do about it to prevent it. Transmissions drop, brakes can go bad, and a vast array of other issues can come about with an automobile. The real tragedy, though, when a car breaks down is having to pay for the repairs or, even worse, the repairs for another persons car, should you get into an accident. So long as you have an auto repair insurance, though, you’ll be fine, and having nothing to worry about. There are a few different things which you should look for when shopping for the best auto insurance for your car.What Do They Cover?A quality car insurance company covers most, if not all, repairs or collision related damages to your car. If they didn’t cover these damages, then paying for them on a monthly, or annual, basis would not be worth the money. Additionally, if you were to be involved in a collision, then you would have to pay for the repairs out of pocket if your insurance company didn’t cover the expenses. For this reason, always compare the coverages for each insurance company that you are considering.Are They Reputable?There is nothing more frightening than paying a large amount to someone and then never receiving the products or services which were promised to you in exchange. Reputation is the number one thing to look for when considering using any services, and there is nothing different about car insurance. Ask you friends, look for reviews online, and do plenty of research before signing with an insurance company. Taking these simple precautions not only will prevent you from falling victim to a scam, but will also ensure piece of mind, and make sure you’re fully covered for anything car related.What Do They Cost?Finally, how much will you be paying for this company’s services, and how much can you afford? There are many different packages and pricing plans which you can choose from to suit your needs, and most reputable companies will have something within your budget. Regardless of what they do, it is essential to compare prices as well as services among all the considered companies. This will give you the best bang for your buck, and keep you happy with your decision.These are three very basic, yet essential, steps to choosing an auto insurance. With the amount of online scams and thieves today, one can never be too careful, and taking simple precautions, such as the ones mentioned above, will make everything so much easier.
Driving is a privilege not a right, and all states in the United States require some form of liability auto collision insurance. There are many different insurance companies that offer different types of coverage depending on the vehicle you drive, what you are using it for, and what you want them to pay for in the event you have an accident. Of course the cost associated with these factors will vary as well and can also be influenced by the age of the driver, the driver’s record, and the location the driver will be using the vehicle. All companies charge drivers a premium or a monthly fee in exchange for an agreement that says the company will pay money to fix your car, others’ property or medical bills, your medical bills or anything else that is agreed upon. Usually the insured has a predetermined one-time payment in the event of an accident called a deductible that they will have to pay. This payment will remain the same no matter how much money the insurance company has to lay out to fix damages as a result of an accident.Types Of Coverage
It is against the law to drive in any state in the U.S. without some type of insurance coverage. The most basic liability coverage will allow you to drive your car legally and will cover monetary amounts up to a predetermined amount in the event you hit another car, someone or something. This basic coverage however may not include fixing your car.The next step up from basic liability coverage is comprehensive and collision, also called “full coverage”. This type of agreement in general states that the insurance company will pay a predetermined amount for certain types of accidents and will also fix your car. A deductible is applicable with this type of agreement where the insured pays a one-time fee or a portion of the total damages and deductibles can range anywhere from 100 to 500 dollars in most cases. Insurance companies will often let people choose when purchasing the policy which deductible they would like to have however you may pay more in premiums or monthly fees if you choose to have a lower deductible.Which Type Is Right For You?
Insurance companies set predetermined amounts of money they will pay out in the event of an accident. Some typical thresholds are 20,000 dollars for property damage, 100,000 for medical, and so on. These values can be changed with some companies however your premiums may go up or down depending on how much more or less coverage you want. If you have a brand new car it would be wise to put full coverage on it because if you crash it into anything, most companies will pay up to the fair market value of the car. If only basic liability coverage is purchased, the insured would get no money to fix the vehicle. Most lien holders, banks or lenders that lend money to purchase the car, require that a person get full coverage on the vehicle as a term of the loan. If you own a less expensive or junker type car, it would be wise to only get basic liability coverage as most damage to vehicles can be notoriously expensive to fix and paying higher premiums for full coverage when the company will call it a total loss anyway does not make any sense.Auto collision insurance is a very important responsibility to owning a car. If people were allowed to drive without insurance and they hit someone or something, there would be no recourse for other drivers to fix their vehicles, get high cost medical attention, or fix their property. Accidents happen whether we want them to or not and having the right type and the right amount of insurance can be the difference between getting things repaired and otherwise taken care of or having a huge problem on your hands and potentially facing civil or criminal penalties.Get Auto Insurance Quotes
Let’s address the top 10 myths of automobile liability insurance and how they relate to car accident claims. As a car accident attorney, I come across these issue quite frequently. This post is limited, however, to auto liability insurance and is not intended to address other types of insurance such as comprehensive and collision coverage. Let’s take a simple auto accident as our example. Let’s say you were involved in a car wreck where the other driver is at fault. The other driver gives you their insurance information. You contact the other driver’s insurance company and report a claim for personal injury and car damage. This is called a third-party liability claim. You are a “third-party” because you are a stranger to the insurance policy between the other driver and their insurance company. It is a “liability” claim because you are claiming that the other driver is legally liable for the accident. Now that you understand the relationships between all the parties to the claim, here are my “Top 10 Myths” of liability insurance.Myth #1. The insurance company is there to protect me. Wrong! Liability insurance is purchased by the policy-holder in order to protect the policy-holder against the injured person’s claim. Since you are claiming that the other driver is liable for the accident, then the other driver’s insurance company is there to protect the other driver against your claim. That why it is called “liability” insurance. It is purchased to insure and defend the other driver for their liability; not to protect the injured person.Myth #2. I have to provide a recorded statement. You do not have to provide a recorded statement in a liability claim. As described in #1 above, the liability carrier is the other driver’s insurance. Since they do not have any legal duties to you, you have no legal duties to them. The only reason the insurance company wants to take your recorded statement is because they want to use it against you in the future. If they are really interested in investigating the facts of the accident, they can just talk to you without recording the conversation. Don’t let the insurance company tell you that you are required to give a recorded statement. You are not!Myth #3. They have to provide a rental car. You are not entitled to rental car. However, they may decide to provide you with a rental if their insured’s liability is fairly clear. They do this because they want to keep you happy. Otherwise, you might hire an car accident attorney which is something the insurance company always wants to avoid.Myth #4. I have to use their repair shop. No. The Texas Insurance Code specifically provides that the insurance company cannot tell you where to get your car repaired and what parts to use. If you have trouble with the insurance company with these matters, the best thing to do is take your car to the body shop of your choice and give the shop manager the adjuster’s contact information. Let the shop deal with the insurance company since they deal with these things on a daily basis.Myth #5. I have to provide a medical authorization. Do not give the insurance company any authorization, especially a medical authorization. They normally send one to you with the typical claims paperwork and ask you to sign it. You are not required to do so. If you do, then you give the adjuster global permission to obtain any of your past medical records. It’s just another ploy to dig up dirt on you. You are better off collecting your own medical records and bills that are related to the accident and sending them to the adjuster yourself.Myth #6. I have to treat with their doctor. If you are injured in an accident, then it’s your decision which doctor use. You are not required to go to the doctor recommended by the claims adjuster. You can go to the hospital, minor emergency clinic, family doctor, or any other doctor you choose to see.Myth #7. The adjuster can close my claim. Sure they can close your claim. But, so what!?! Who cares!!! The only time limit applicable to your claim that is of any real consequence is the legal statute of limitations. In most personal injury cases, Texas law gives you two years to either settle your case or file a lawsuit. Don’t let the insurance company pressure you into working on their time schedule. They want to pressure you to get the claim settled early before your medical bills get too high or distract you from hiring a lawyer.Myth #8. They have to make a fair settlement offer. The insurance company has no duty to make any kind of settlement offer. However, there are two main factors that might (and I do mean “might”) prompt an adjuster to try and settle your claim. First, insurance companies like to close claims in order to keep their workload and legal exposure at a manageable level. Second, if they don’t try to settle, you might hire a lawyer. If you do, then the insurance company knows the claim may cost more to settle.Myth #9. I can sue the insurance company directly. In an auto liability claim, it is the other driver that caused your injuries or damages. Therefore, your lawsuit is legally against the other driver. Some states do permit direct actions against the insurance company in a liability claim. But Texas law does not.Myth #10. Getting a lawyer will hurt my claim. Of course not. Insurance companies would like you to believe that it would hurt your claim. They will tell you that a personal injury attorney will take a percentage of your settlement and you will end up with less. However, there are so many other factors that go into calculating attorneys fees than what the adjuster tells you. Besides, a lawyer is on your side fighting for your rights. The adjuster is on the other driver’s side trying to defend against your claim. Who should you believe?
We learn from a very young age that the punishment should fit the crime, and we tend to take it a little personally when we’re handed the punishment without even getting to enjoy doing the crime so we could deserve it! That sense of justice is what aggravates us when they allow our rates to go flying up between renewals and leave us sitting there asking, “What?” Believe it or not, however, there might be a perfectly good reason for your auto insurance rates to go on climbing whether you want them to or not!Before we get into all the reasons that have nothing to do with you, let’s take a look at the ones that do. You might be surprised by what can raise your auto insurance rates. For example, have you moved recently? Moving from a “low risk” area to a “high risk” area (i.e. one with more traffic and, by default, more chances to have an accident on the way to and from the grocery store every day) will boost your rates. So will picking up a job in another town that makes you spend more time on the road than you did when you bought the policy in the first place.Have you recently added anyone onto your policy? Teens are notorious for driving up auto insurance rates, but even adding an experienced driver can raise your rates since you’re insuring two instead of one. And trading in your old clunker for a sports car (or even a current-year model) can cost you more in insurance each year.And then there’s the obvious-accidents, speeding tickets, traffic violations, license suspensions. Raising your coverage limits. Etcetera, etcetera.Of course, if none of that applies to you there are still plenty of legitimate reasons for auto insurance companies to raise your insurance rates. It’s sad but true that just about everything costs more these days than it used to. Inflation is a bear, and that bear is forcing everyone to pay more for services that used to be at least something resembling affordable. That covers everything from milk and diapers (which auto insurance companies as a whole don’t particularly care about as a whole but can be extremely pertinent to the agents) to medical care and auto repair (which are EXTREMELY pertinent when you spend your whole day paying out claims for exactly that).If you’re wondering why your auto insurance rates are going up, inflation is usually the starting and ending point for almost all of those decisions. Companies have to stay in business somehow, and they’re not going to do that by paying out more than their drivers are paying in! The good news is, these rate increases are usually company wide.Which means everyone else is just as annoyed as you are.
Florida auto insurance minimum cover required by law is one of the low ones, especially if you compare them with those of states like Alabama, Alaska etc. If you intend to drive legally in Florida, you should know what these state required minimum coverages are.First, the state requires a minimum of $10,000 in Personal Injury Protection. Unlike the minimum requirements in other states, this cover covers you in an accident without regard to who was at fault. Medical expenses, lost wages and some other related expenses are taken care of by this cover. There is also a $5000 death benefit should the need arise.Next is the $10,000 minimum required in Property Damage Liability Cover. This cover however, takes care of damages done to other people’s properties as a result of an accident caused by you. Some of the items regarded as property include telephone poles, fences amongst other things.A person could easily get these covers and feel they have done all they should. This is far from wrong because in many cases this minimum cover is not sufficient to handle the liability that arises from an accident. Even if it does, remember that any damage to your own property would not be covered. You need more cover both for yourself and to save you the possibility of losing your savings, future wages, home etc to huge liabilities you were not insured against.Talk to your insurance agent about getting more cover. There are options like Collision, Comprehensive and more.If you are worried about the high cost of auto insurance, then you can try to get a more affordable auto insurance cover by getting and comparing quick auto insurance quotes. Auto insurance quotes help you find the best rates available. In addition to this, you can also get discounts from you insurer which would further reduce your rates. These discounts are available when you take some actions or when you have achieved somethings. For example, get a good credit score and your rate would be affected. Improve your driving by taking a course in defensive driving and also earn a discount. There a lot more discounts available for you to reduce your rates with. To know more about discounts, talk with your insurance agent.Every driver in Florida has access to a wealth of information if they just call the Florida Department of Financial Services at 800-342-2762. Take your auto insurance seriously.
Car Insurance Performance with Real MuscleA high performance car means paying more than the average driver for vehicle insurance. So, whether you already own one or are considering buying one – take heed.If you’ve got the right know-how, even paying more than the average, you will still be ahead of other performance car drivers.To make sure your car insurance performance is up to speed with your vehicle, read and understand the information below.Understanding the Nature of Perceived Risk Performance cars are by and large positioned in the category of “high perceived risk.” Most insurance carriers assume performance or muscle cars will be pushed to high speeds and on dangerous roads, or both – because that is what performance tuning is all about and that is what leads to car accidents.Another perceived risk is vehicle modification. Cars become unique when modified and the further a vehicle is from normal standard test and measures tables, the greater the inability to analyze how people will survive in a possible crash.Parts for a performance car, also affect insurance rates whether they are aftermarket or original. Expensive and hard to get hold of, performance tuned parts will increase your insurance rates. So will aftermarket parts which are often untested…at least on your particular type of vehicle.How to Save MoneyMentioned below are ways to save money…now that you understand the ins and outs of performance car insurance and why this type of coverage is extra expensive.1. LoJack or other engine immobilizers installed in your vehicle will lower rates as they are approved security devices. If you have an insurance carrier specializing in cars that are performance vehicles, it might be a requirement to park the car in a locked garage to reduce the risk of theft. So…Security Saves!2. Specialty insurers quite often give discounts to members of enthusiast organizations and auto clubs. It’s just one of the membership advantages. Go… Go… Go… Clubbing!3. Want cheap auto insurance? You can have it but only if you refuse to give in to the urge to steer that speedster onto the streets every chance you get. If so, you may quality for discount rates for low-mileage or even for a car collector policy (careful, as some limits are around 10,000 miles per year.) Mostly…Mileage Matters!4. Most specialty insurers offer discounts for A1 driving records! This means you must be extra careful, because a car that is built for speed, will attract more attention from the police. Remember, speeding tickets have an effect on how much you pay in insurance. Safe Speeds… offers Specials!
So what have we learned?While driving an elite vehicle may be thrilling, exciting and exuberating, having to insure that car can cut in to your fun.However, if you’re a super savvy shopper and follow these guidelines, car insurance for your performance ride will not be such a bitter pill to swallow.
For many of us, our car is a very important part of our lives. It gives us the freedom to travel, the ability to get around, and the convenience of being able to pick up and go whenever we please. You probably worked hard to save enough money to put a good-sized down payment on your vehicle when you bought it. Each month you have to keep covering the costs of insurance and your car payment. However, when your car needs auto care, the expense can hurt your budget. This is the reason why these tips for getting inexpensive automotive parts and auto repair tools can make a big difference in your month-end finances.Save Money on Maintenance and Auto Repair ToolsIf you have a minor repair such a maintenance problem, why not cut costs by doing it yourself? There are many “how-to” online tutorials and printed books that can show you step-by-step. The advantage to getting it done yourself is that you only have to pay for the parts; no labor costs are involved. At the repair facility, you’re paying more for everything because they have specialized auto repair tools, plus, it can cost $65 or more per hour to have their employees do the work. If you aren’t comfortable with doing any of these tasks yourself, ask your friends and family if they can help you out or if they know someone who can help at a low rate. Many friends and family are glad to help out and can be paid for their time with a six-pack or a pizza lunch; training schools offer ultra-low-cost repairs that really save you money.Maintenance and Auto Care Don’t Have to Cost an Arm and a LegSome other minor repairs necessitate special tools or expertise, but you can still do them. Take, for example, diagnosing an engine code, getting your rotors resurfaced, changing out your spark plugs, or rotating your tires. Local car engine parts stores often provide less-expensive diagnostic and resurfacing services than at the specialized repair shops. Engine error codes can be ambiguous and aggravating. In some states, auto parts suppliers have the tools to help diagnose problems on the spot. Nevertheless, some localities don’t allow this, but the tool itself is offered for sale for around $200. It can cost $90 or so to have your dealer run a diagnostic test on your car’s computer. But you can have this tool in your arsenal of auto repair tools for about what it would cost to visit the dealer twice!Basic Maintenance and Auto Care Don’t Have to Break the BankRotor resurfacing can present challenges because they have to be “meaty” enough before they can be resurfaced. A minimal amount of rotor metal must be present so that they remain at a reliable thickness. Don’t worry, however, because the resurfacing shops will tell you on the spot if they meet the thickness requirements. Additionally, they have the machine right there to get the job done. In an equally easy manner, spark plugs are available for purchase at the automotive care and supply store and the necessary gap is displayed clearly on the package. If you need a gapping tool, they are available for under $5. You can also rotate your own tires by using a standard jack.Save yourself tons of money by doing your own maintenance on your automobile or truck. You can make your car last longer while making your dollars go even farther, while using the additional cash to get more time on the road!