Posts Tagged ‘Car Insurance’

Starting a New Policy before Driving

Every state in the country requires drivers to be insured before they drive their vehicles. They are required by law to carry at least liability insurance on their cars, trucks, motorcycles, and other vehicles. Without this insurance, drivers risk being fined and arrested as well as having their vehicles impounded by the police.

When you are in the market for a new policy, you may want to pay as little as possible to get the coverage you need. By investigating new policies, premiums, deductibles, and other car insurance rates sacramento drivers like you could find coverage that fits your budget and lets you get back on the road quickly.

Getting Coverage Today

You may need to get that new policy started today. When you have a pressing need for insurance, you do not want to wait for several days for the policy to go into effect. You want it to start now so you are covered in case you get into an accident or need roadside assistance.

The company can start a policy for you that will take effect immediately as soon as you pay the first month’s premium. The amount you pay will be based on several factors including your age, driving record, and history with other insurers you have had in the past. Based on this information, the new insurer can tell you what the new policy will cost.

Once you start the policy, you can get proof of coverage from the website and get it put in your car right away. You may be able to start driving in a matter of hours instead of days. You will be protected during circumstances like a wreck or a blown tire when you need to call your insurer for help.

Getting coverage to start driving today may be one of your biggest priorities. You do not have to visit with an agent in person. You can get the policy started today by going online to the agency’s website. You will get coverage in hours rather than days to start driving again.

Four Ways to Save Money on Car Insurance

If you live in Florida, it is a legal requirement that you insure your vehicle. Anyone caught driving without auto insurance is subject to fines and could even lose their driving license in some instances. Of course, there are a variety of different car insurance packages available to suit the needs of any driver and vehicle.

Once you have selected the level of car insurance you want for you and your family, it is time to get the price. The price of a car insurance premium varies greatly based on a wide range of factors, including age, driving history, coverage level, and even gender. Of course, you want to pay as little as possible for your car insurance bill. Use these tips to help save money on your next bill.

Four Ways to Save Money on Car Insurance

1. Don’t Lend – Don’t lend your car out to your friends for them to drive. If they get in an accident, you will be the one liable since you own the car and pay for the insurance. Even your most reliable friend could get into an accident, leaving you high and dry with skyrocketing insurance premiums.

2. Avoid Claims – If your car has sustained minor damages, consider repairing it out of pocket. Each insurance claim you make could have a negative effect on your insurance premiums down the road. Typically, any claim less than your deductible should be handled outside of your insurance provider.

3. Credit – Your credit score can affect your car insurance costs. This is another benefit of having good credit.

4. Be Honest – Don’t try to get a discount by lying about who the main driver of the vehicle is or where you live. If the company finds out, it could greatly increase your costs or even cause you to lose your policy altogether.

If you have purchased a new vehicle, contact an agency for car insurance orange county fl offers. They will be able to give you a price on a variety of coverages for your vehicle and each driver.

How Much Car Insurance Do You Really Need in California?

Car InsuranceThe only people who think they do not need auto insurance are those who don’t have a car or never survived a serious accident before. A car accident can leave both drivers and all their passengers with steep hospital bills and large car repairs. Even if the police determine the other driver was responsible, your insurance may need to kick in to cover the amount needed for all your bills. That is why you need to take a look at the minimum amount of coverage required by the state.

Minimum Coverage for Drivers
Bodily injury insurance kicks in and covers hospital bills and other medical expenses. California law requires that drivers have a policy with a minimum coverage amount of $30,000 per accident and $15,000 per person. You’ll also need a policy that includes property damage coverage. This coverage pays out for repairs that other drivers need after you cause an accident. It can also apply to minor property damage that you do such as knocking over a neighbor’s mailbox. California law requires that you have at least $5,000 worth of property damage coverage.

What if You Don’t Have Insurance?
If a police officer pulls you over and determines that you do not have insurance, you face a large fine and a ticket. That fine can range from a few hundred dollars up to $1,000. You may have the chance to obtain auto insurance and go to court to show that policy. While the court may drop your fine, it may require that you pay all court costs. Police officers also have the right to impound your vehicle until you get insurance, which can cost you more than $100 a day.

Other Factors
Before buying online insurance in California, consider signing up for a policy that includes uninsured motorist coverage. When you are in an accident with someone who does not have insurance, you cannot get compensation from the driver’s insurer. Instead of going over that individual in court, which can take months or even years, uninsured motorist coverage will compensate you for your medical bills and property damage. California also offers under insured motorist coverage that kicks in when a responsible driver lacks the necessary amount of coverage. Shopping for insurance online lets you compare rates for major insurers for all the coverage you need in your car insurance policy.

Car Insurance for Older Drivers

Many older drivers are still facing an uphill battle when it comes to finding an insurer willing to offer them cover. It is this lack of providers which means that more and more senior drivers are being forced to stop driving, even though they are still perfectly competent behind the wheel of the car. But is this legally permitted? Here is a look at the rules.
What Should Happen

car insuranceThe government has acknowledged that insurers are entitled to stop offering cover to drivers at whatever age it believes is commercially correct for their company, but there are certain steps which should be taken if an individual is refused based solely on their age.

The government helped forge an agreement between trade bodies the Association of British Insurers and the British Insurer’s Brokers Association.

This agreement stipulated that if an insurer declined an applicant for being over their maximum age limit, then they would direct the individual to a broker who would be able to place them with a company more amenable to insuring older drivers. This process is called signposting.

What Happens in Practice

Research has revealed that the redirection to brokers is simply not happening and older drivers who represent no extra risk are being forced to hang up their car keys for good, simply because they don’t have the means to find an insurer willing to accept them.

Some insurers offer different practices for existing customers whilst others enforce strict age limits regardless of how long the motorist may have been with the company.

Studies have shown that more than eight out of ten older drivers were not signposted when they were rejected, leaving them uninsured and with no easy means of identifying firms willing to provide cover.

BIBA has reported that the signposting service is being used on some occasions, with more than 40,000 referrals during its first year of operation since the agreement was enforced in April 2012. However, many experts are suggesting that in the vast majority of cases older drivers are not being helped to find an alternative insurer as they should be under the terms of the agreement.

Conclusion

Although the Equalities Act helped to improve out-of-date legislation, insurers received an exception but are obliged to be able to justify their pricing structure and to produce evidence which supports this. The insurance industry has countered with the allegation that older drivers make the most costly claims.

Consumer advocate Which? has found that a very large number of car insurance providers simply don’t cover drivers who are aged 81 or over, regardless of their health or driving record.

This does not mean that all insurers adopt the same policy. Select insurers offer packages that meet the needs of specific age groups. They are designed for the purpose to address the specific needs of different age groups. For example, you can find more information about over 50s motor insurance packages here.

Having access to a car is more important than ever as we get older, so forcing able and healthy drivers off the road simply due to a refusal to insure them is an issue which is surely worth highlighting once again.