elbertinafazia's Space http://elbertinafazia.posterous.com Most recent posts at elbertinafazia's Space posterous.com Thu, 08 Nov 2012 21:59:04 -0800 The More You Know About Auto Insurance, The Better It Is For You http://elbertinafazia.posterous.com/the-more-you-know-about-auto-insurance-the-be http://elbertinafazia.posterous.com/the-more-you-know-about-auto-insurance-the-be


An auto insurance policy may seem to be written with unfamiliar terminology and complicated clauses. You may find yourself feeling hopelessly confused and unsure of what anything means. This article can help you to better understand all the terms that insurance agents throw at you. When you understand all auto insurance terms, you can then make better decisions in general.

Adding your teenage driver to your insurance policy can be more costly than getting them a separate policy, so be sure to price both of them. Sometimes it is better to simply purchase a separate policy for the second car and your teenaged child.

Look over your policy to see whether or not you are covered if someone without insurance hits you. An uninsured motors policy will increase the cost of your insurance premium. It will also give you more protection if you are hit by an uninsured driver.

Most insurance providers give discounts to people whose yearly mileage is under 7500. Reducing your car insurance for driving fewer miles is a fantastic method of saving money.

If your car is in good shape and you own some assets that you need to protect, your level of liability coverage should be at least 100/200/100. It is important to have sufficient liability coverage on your car since most states require specific minimum levels.

To lower car insurance costs, don't share cars among members of your family. If only one driver is listed for the car, you will receive a policy at a reduced rate.

It is a proven fact that senior citizens are involved in the majority of accidents that happen in the daytime. This will help you qualify for insurance and even get cheaper rates.

Paying your insurance in one payment saves you money in the long run. Many companies charge a service fee when you want to make monthly payments. Start putting money away now, and when it is time to renew your policy, pay it in one payment.

Contact a representative of your vehicle insurance provider to request a complete list of available discounts. You should thoroughly comb this list for any discounts that are applicable to you. If you want to spend as little as possible on auto insurance, you want to make sure you are getting all the discounts you can.

Use this advice to make smarter auto insurance choices in the future. Knowing about the best choices out there is a good way to remove confusion when shopping for car insurance.

At AAA Carolinas customers benefit from a complete spectrum of services including oil changes.

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Sun, 21 Oct 2012 16:59:42 -0700 Options For Big Savings On Auto Insurance Premiums http://elbertinafazia.posterous.com/options-for-big-savings-on-auto-insurance-pre http://elbertinafazia.posterous.com/options-for-big-savings-on-auto-insurance-pre


Some factors that alter the costs on your insurance policy are fixed, and some of them are changeable. Asking for a higher deductible can lower your premium. Use the advice offered here to help you get the very best price on an insurance policy.

Taking a driver safety or defensive driving course is a way to enjoy a significant discount on your auto insurance. Not only will the course teach you to drive in a way that helps you avoid collisions, and filing costly claims associated with them, but most insurance companies also give you a discount on your premium just for taking the classes. These courses are offered by many driving schools. The Internet can also be a great place to locate these courses.

There are some insurance companies that offer discounts to those over 55 who have taken some classes. The discount is normally up to about 10%, which is a pretty decent amount.

You may be thinking about dropping collision coverage to get your insurance premium cheaper, but if you are at fault in an accident, you will need to pay the full bill to repair your car. It can be a lot more difficult to fully repay a repair bill instead of paying a smaller premium.

Each insurance company follows its own set of procedures. Shop around to find the best deal you can get for insurance.

Your car insurance is strongly affected by traffic tickets and points influencing your driving record. The better your record is, the less you are going to have to pay in premiums. When these past events are removed from your record, ask your agent for a new quote based on your current status.

Do not rule out the idea of buying a sports car because of the fear of high insurance premiums. In fact, there are certain sports cars that do not have high premiums. You may want to check with your insurance company to see which ones are the most affordable.

Property damage liability coverage is an important feature of your car insurance policy that you must get. This covers any damage your car may have created during an auto accident. The majority of states require drivers to carry this coverage. If you are even involved in an accident, property damage liability can protect you from losing a large sum of money.

You should always take into account the type of vehicle you drive when you are trying to determine what type of insurance coverage is best for you. If your vehicle is older and has a low resale value, then a liability only insurance policy might be all you need. The rate at which cars are stolen is also something that is a factor. If your vehicle model is popular, regardless of age, seriously think about getting comprehensive coverage.

When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. If you have various vehicles, it is sometimes beneficial and cheaper to get them each their own policy.

You may be confused about how much coverage you need to carry. You need to make sure that your liability insurance covers all of your assets. For example, if you have $50,000 of bodily injury liability and $200,000 in personal assets, and you are found to be at fault in an accident, the other party could sue you for the $150,000 in medical bills that are not covered by your policy. It is very important to make sure you carry enough insurance coverage to protect your savings and other personal assets.

The tips in this article can help you to get the best auto insurance plan for less. If you educate yourself, you will be able to make a better decision. These tips might also be of use to others in your social circle, so circulate this article to them, as well.

At AAA Carolinas you'll get a complete spectrum of repairs including electrical systems.

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Sun, 21 Oct 2012 12:58:57 -0700 Auto Insurance Data To Help You http://elbertinafazia.posterous.com/auto-insurance-data-to-help-you http://elbertinafazia.posterous.com/auto-insurance-data-to-help-you


Auto insurance is a must have for anyone that owns a vehicle. With an action plan in place, finding the best plan at the most affordable cost can be accomplished. Below are a number of tips to assist you in this process so that you can protect yourself with auto insurance.

Having the right kind of insurance can save a person quite a bit of cash if they get into some kind of accident. Insurance policies will have a person pay a predetermined amount of money, known as a deductible, and any costs over the deductible will be taken care of by the insurance.

Remember that if you don't have collision insurance on your car, you will be responsible for replacing your car, should the accident be your fault. Paying off a complete bill for a bad wreck will end up costing more than a low monthly premium.

Your insurance premiums will go down if you have a better FICO credit score. Were you aware that car insurers check credit scores? Insurance companies often make rate decisions based in part on an individual's credit score. This is due to the fact that studies show individuals with low credit scores are often prone to automobile accidents. Good credit equals lower insurance premiums.

Raising the amount of your deductibles is a great way to save money on insurance. Although you are taking your chances, this can be a good choice if you are able to save the money for the higher deductible. Generally, higher deductibles mean lower premium costs.

You will want to remove any driver from your auto insurance policy who no longer drives your vehicle. Although other drivers may increase your coverage, it also increases policy costs.

Make sure you check into getting coverage for "uninsured" drivers as a lot of people overlook this part. An uninsured motors policy will increase the cost of your insurance premium. This will also offer protection if your car is hit by a motorist who has no insurance.

If you drive no more than 7500 miles annually, you will likely qualify for a sizable discount from your insurance company. This makes cutting back on your driving a great option for anyone who wants to save money on car insurance.

Make sure to have a written copy when you cancel an insurance policy. If your cancellation by phone does not get properly recorded by an insurance employee, and you ignore the next bill that comes, you could be reported as someone who has been terminated by the insurer for non-payment. You don't want your credit score negatively affected should your policy get written down as cancelled for not paying.

It is not always the best idea to purchase a car for your teen. The best way to save money is to let them use a car that you already have. Having them on your current insurance plan will save you money. Good grades at school can actually give an insurance discount.

By now, you should realize that there are a number of ways to reduce how much you spend on auto insurance. You are in control of the amount you drive. If you do what you can to optimize these variables, you can save yourself a bundle on auto insurance premiums.

At AAA Carolinas you'll discover a complete range of repairs including tune-ups.

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Tue, 28 Aug 2012 10:51:36 -0700 Buying The Best Auto Coverage Available With The Best Information http://elbertinafazia.posterous.com/buying-the-best-auto-coverage-available-with http://elbertinafazia.posterous.com/buying-the-best-auto-coverage-available-with

It can be hard to understand what there is to know about auto insurance. At times, they can cause such confusion. This article will help you understand the different terms and phrases that you are likely to encounter while shopping for insurance. Having a clear understanding of what the terms mean will help you make educated decisions while shopping for automobile insurance.

Check your state's auto insurance laws and requirements to understand what you do and don't need in terms of coverage. Regulations differ from state to state, so you need to know what is and is not required before you buy auto insurance.

Certain professional organizations have relationships with insurance companies that can give you a discount if you are a member. Members of AARP and certain credit unions can receive discounts on auto insurance.

Create a list of the company's discounts, look it over, and figure out which ones you can get. Discounts like these can save a surprising amount.

If you list all of your car's safety features, you can lower your insurance rates. Extra air bags or car alarms are features which can earn an additional insurance discount given their potential to reduce future claims. This can save you money even if the features are added to an older vehicle.

Be sure of what coverage you need when it comes to buying car insurance. You will have many options, but a lot of them won't pertain to you. Conversely, if you've historically had small accidents, it is probably in your best interest to pay the extra to ensure collisions are covered.

For cheaper insurance rates, try increasing your FICO score. Like most businesses, auto insurance providers also check your credit report. Auto insurance companies started pulling credit when it was found that people with bad credit make more claims. You can maintain a lower insurance rate by keeping a good credit score.

Carpooling or taking the bus are both good ideas. Reducing your mileage is a good way to demonstrate to your insurance company that you are a responsible individual. You can get discounts on your insurance policy if you let your agent know that you use public transportation.

Ask the HR department if they special groups rates for their employees' auto policies. There are some companies that have deals set up with certain insurance companies to get you lower rates. This means a substantial discount for you, as opposed to being on an individual plan with higher rates. In addition, sometimes you can get additional breaks on premiums based on the length of your employment. Suggest adding a plan in which you will save money for multiple drivers.

If you plan on moving soon, look into how your new home will affect your insurance rates. Insurance rates vary from place to place based on the chances of an accident or theft, and in general rural areas and suburbs have lower rates than cities.

Hopefully, this article was able to help you through the maze of auto insurance and to give you confidence when making choices. Being an educated consumer is a good way to combat your confusion when shopping for auto insurance.

Extend the usefulness of your automobile with services from Carolinas AAA.

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Sun, 05 Aug 2012 06:09:46 -0700 Auto Insurance Tricks That Everyone Should Know http://elbertinafazia.posterous.com/auto-insurance-tricks-that-everyone-should-kn http://elbertinafazia.posterous.com/auto-insurance-tricks-that-everyone-should-kn

Purchasing an auto policy can be a pain for you. You don't have to be a genius to make a smart purchase in auto insurance, but you should take time to do research. What do various insurers offer in terms of coverage and premiums? Getting specific quotes from them can save you a lot of money. The following tips are offered to help you make a smart purchase when it comes to insurance for your vehicle.

During the first two months of coverage, insurance companies can end your coverage without telling you why. They have this time period to verify the information you gave them and investigate your risk level. A policy termination is a big headache that can have you paying more for insurance for many years.

To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. You can create gaps in coverage easily by moving from one insurance carrier or policy to another one. As soon as insurance companies become aware of a lapse, rates go up.

Auto insurance companies take many factors into consideration when determining your insurance rates. These can include your relationship status, gender or even your age. If you know about these things and how they can raise or lower rates you can find places to make cuts or changes.

Make sure to research insurance costs when you are purchasing a car. You can ask an insurance agent about the vehicles that have great rates. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. If you choose a vehicle that has been rated safe, you may save a lot of money on your insurance premium.

One way to save money is to remove coverage for rental cars from your insurance policy. When you consider including car rental coverage, speak with your insurance company and ask how much that coverage is costing you in premium dollars. Save additional money on your insurance policy by having it removed, just keep in mind that it isn't there if something happens to your car.

Lowering your yearly mileage can help you lower your monthly auto insurance payments. Your premiums may go down if you report your low mileage to your insurance provider.

Your vehicle's make and model is the number one influencing factor on your auto insurance rates. A luxury car or sports car may suit your personality, but the resulting insurance cost may not be to your taste at all. A less expensive, safer vehicle will end up saving you money in the long run.

Consider getting a car that is not so sporty. Insuring a sports car is expensive. Try a car that isn't so high-profile. Vehicles with larger engines are more expensive to insure. Sporty cars are more expensive to insure because they are usually the cars that thieves steal.

Deciding on auto insurance is not exactly simple. If your primary vehicle is a luxury car, then you want its value to be covered. To clarify, say you own $100,000 in belongings. If a mishap is your fault, the injured party can bring charges against your personal belongings. Insurance only covers the amount stated in bodily injury liability. If you have $10,000 bodily liability coverage, a $50,000 medical bill from the injured party would mean $40,000 paid from your assets. In the long run, having all the coverage you need will will pay off.

Automobile insurance is more complicated than people think. Like with many things, you should take the time to learn as much as you can to ensure your car is well-insured and covered under any situation that may arise. Keep the above advice in mind the next time you have to get car insurance, and you are sure to make wiser choices.

Read carolinas.aaa.com for the maintenance to keeping your truck running well today and tomorrow.

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