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Only auto insurance quotes online can give you the maxomum

Posted by Admin on Oct 13, 2011

Maybe you don’t realize it, but purchase auto insurance quotes online can has a lot to do with watching TV. Anyone who watches television is profoundly and unfortunately well-known with the fast paced world of commercials. Advertising has...

  • Only auto insurance quotes online can give you the maxomum

    Only auto insurance quotes online can give you the maxomum

    Posted by Admin on Oct 13, 2011

    Maybe you don’t realize it, but purchase auto insurance quotes online can has a lot to do with watching TV. Anyone who watches television is profoundly and unfortunately well-known with the fast paced world of commercials. Advertising has become more high-tech, better funded, and sometimes more visually swingeing than the movies. The...

  • Keep your budget with economizing on auto insurance

    Keep your budget with economizing on auto insurance

    Posted by Admin on Sep 10, 2011

    If auto insurance premiums are breaking the budget, comparing car insurance quotes online before buying can help reduce costs. Discount auto insurance and raising deductibles may also help families and individuals to reduce premiums and save on car insurance. Compare auto insurance quotes online before buying a policy. Comparison websites allow...

  • Does your vehicle need comprehensive auto insurance?

    Does your vehicle need comprehensive auto insurance?

    Posted by Admin on Aug 12, 2011

    Comprehensive auto insurance save drivers if their car was damaged by willful destruction, hail or fallen trees. That’s why most people should have this coverage. Imagine buying a dream car and walking after a hailstorm of spring than seeing the self pockmarked with dents and cracked windshield. Or maybe the car was parked along the street...

Trailer Tent Towing Safety

Posted by Dustin Reed \\ Aug 16, 2010

It isn’t surprising that we’re seeing so many trailer tents on the road these days. They offer a fantastic alternative to traditional camping and can provide a great holiday without having to travel abroad, letting you experience the best of the UK and everything that it has to offer. However, trailer tent safety should always be at the forefront of your mind, as you want to keep safe when you’re on your travels.

The first thing to remember is to do your preliminary safety checks before you set off. Make sure that the hitch coupler is properly secured, that the hinges are tight and that any other essential safety precautions have been put in place. It goes without saying that your trailer needs to be properly secured to the back of your car to protect both yourself and other people on the road, because if it’s even the slightest bit loose you could find it a lot more difficult and even dangerous to manoeuvre.

You also need to load it correctly. The weight needs to be evenly distributed with slightly more weight to the front of the trailer if possible, as this offers much more control when you’re driving. You need to secure everything in place tightly with ropes or cords because if the load moves when in transit the trailer will as well, and that could be a recipe for disaster.

Then you come onto the tricky part – driving. People often underestimate how difficult towing one of these vehicles can be, so if you can always try to practice before you set off in a quiet and confined area. This ensures that you get used to the new driving techniques you’ll need to employ, such as giving yourself extra room to turn corners.

You’ll need to try to avoid any sudden turns as this can set your trailer off on a tailspin, and try to leave a bit more distance between you and the car in front for the additional stopping time that you’ll need. And, if your trailer tent is particualrly wide or tall make sure to invest in extension mirrors so you can see clearly at all angles.

As you can see, there’s quite a lot to take in! Trailer tents require incredibly careful driving and proper preparation if you want to have a pleasant journey, but if you remember these trailer tent safety tips you can tow your vehicle in complete confidence.

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Tags: Tent Trailer Tent

Today’s News: More Life Insurers Subpoenaed, Young Drivers Have Higher Crash Rates and 1 in 5 Californians Uninsured

Posted by Kristin Collins \\ Aug 16, 2010

The New York State Attorney General has subpoenaed more life insurance companies, a new report shows that young drivers have significantly higher auto accident rates and one in five California residents are go without health insurance.

More Life Insurers Subpoenaed

Recently, New York State Attorney General Andrew Cuomo announced that he would be opening a fraud investigation that looked into how life insurance companies were paying out their benefits. At the time, he had already subpoenaed Prudential Financial and MetLife on suspicion that the companies may had been retaining beneficiary funds in company-controlled accounts instead of paying out lump sums as agreed.

Now, more companies have been subpoenaed for the investigation, including Genworth Financial Inc., Unum Group, Guardian Life Insurance, New York Life Insurance Co. and Northwestern Mutual Life Insurance (Wall Street Journal).

Young Drivers Have Higher Crash Rates

According to the Insurance Institute for Highway Safety, even though teenagers drive fewer miles on average than almost all other ages, they still account for a much higher number of accidents. In fact, the institute found that teenagers ages 16-19 are four times more likely to crash than drivers 20 and older.

Of course, the increased risk affects auto insurance rates negatively, resulting in parents having to pay more to insure a teen. Some states are even looking to prolong the licensing process to keep teens and the roads safer (PR Newswire).

1 in 5 Californians Uninsured

New statistics from the Census Bureau revealed that one in five Californians (or 20.2 percent) went without health insurance in 2007—that figure equates to 6.5 million.

The communities with the most residents uninsured included rural Mono, Colusa and Monterey counties. The area with the lowest rates of uninsured people included the San Francisco Bay Area counties. The state ranks eighth in the nation for the highest number of uninsured residents. Texas (26.8 percent), New Mexico (26.7 percent) and Florida (24.2 percent) are the highest ranked in the nation (Mercury News).

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Tags: Rates Young Drivers

Which caravan insurance is suitable?

Posted by Dustin Reed \\ Aug 15, 2010

Trying to decide which caravan insurance is suitable for you may not always be that easy.

The generics

A typical caravan insurance policy consists of four main components:

  • the cover it provides (and by definition, the cover it doesn’t provide);
  • the premium it charges;
  • its conditions, terms and exclusions;
  • its flexibility in terms of being able to offer you customisation – i.e. things you can do to reduce the price through discounts etc.

To really understand which caravan insurance may be suitable, it’s necessary to grasp all of these components as the insurance provider describes them.

Insurance products

A caravan insurance policy is typically tailored for a given type of caravan, be it a static, tourer, motorhome or trailer-tent etc.

Many policies are today sold online through specialist caravan insurance providers.

Their sites typically give an overview of the product and also a detailed description, which covers many of the points outlined above.

If, for example, you’re wondering what discounts may be available for members of a caravan club, it will typically be outlined in the policy detail description.

It may be important to study such opportunities closely because you may be able to reduce the headline cost figure by taking advantage of such things.

Balancing cost versus cover

Although this may sound relatively easy, a little preparatory work may make it even more so.

For example, some policies may have a range of options relating to taking your caravan overseas on holiday. It may be difficult to balance those options off against the overall premium unless you have a fairly good idea of:

  • whether or not you’re planning to take the caravan overseas in the next year;
  • if yes, how many times and for how long;
  • your anticipated mileage outside of the UK;
  • where you are going to (e.g. EU or non-EU etc).

All these things may make a considerable difference to the suitability or otherwise of a policy.

Taking your time

Taking your time to decide which caravan insurance is right for you may prove very sensible in the longer term!

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Tags: Caravan Insurance Suitable

Today’s News: Digital Medical Records on 5-Year Deadline, AG Probes Life Insurance Industry and Policyholders Choose Not to Sue Auto Insurance Companies

Posted by Kristin Collins \\ Aug 14, 2010

The Obama administration has given the medical world five years to figure out how to move all medical records to a digital format, the New York attorney general is pushing for a probe into the life insurance industry and individuals recently surveyed revealed that if given the opportunity, they would not be interested in suing their auto insurance companies.

Digital Medical Records Get 5-Year Deadline

In mid-July, President Barack Obama dished out an ambitious five-year plan that would require doctors and hospitals to move all medical records to a digital format. This, according to his administration, would offer greater safety for patients, as well as lower costs for health care and health insurance.

As soon as 2011, the medical world will have access to federal money that could use to help lower the costs of the systems, as well as train workers for their use. Those who don’t comply with these guidelines by 2015 will face Medicare payment cuts (MSNBC).

AG Probes Life Insurance Industry

New York State Attorney General, Andrew Cuomo, recently stated he plans to open a fraud investigation into how life insurance companies pay out benefits after their policyholders die. Cuomo said that he believes some insurers are retaining life insurance beneficiaries’ funds in company-controlled accounts, rather than paying out lump sums because they earn higher rates of interest by holding on to the money. So far, his office has already subpoenaed Prudential Financial, Inc. and MetLife, Inc. in hopes of learning more about their use of life insurance policies (Associated Press).

Policyholders Choose Not to Sue Auto Insurance Companies

A new survey released by the Insurance Research Council (IRC) revealed that most Americans don’t believe that adopting new laws allowing people to sue their own auto insurance company for punitive damages is a good idea. The law relates to a first-party bad-faith lawsuit that allows one person to sue their own insurance company because they feel that the company acted in “bad faith” in the settlement of their claim.

So far, only a few states allow policyholders to sue their companies for this reason. However, according to the survey, 57 percent of respondents think the ability to do this is either a poor or only fair idea (PR Web).

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Tags: Life Medical Records

How to Understand Car Insurance Groups

Posted by Dustin Reed \\ Aug 13, 2010

    The Process

  1. Step 1

    Check out your UK car insurance group online to help you understand car insurance groups. See the resources section for the link to the Motor Repair Research Centre (Thatcham).

  2. Step 2

    Enter a search term in one of the boxes on the right side of the webpage to access car insurance groups in the UK. There are 10 choices: the more details you enter, the more refined the search will be. For example, if you only know the manufacturer, you will get a substantial list of cars making it more difficult to understand and find your car insurance group. However, if you enter the manufacturer, the year it was made, number of doors, and fuel type it will be easier to find your exact model.

  3. Step 3

    Click “Submit.” You will instantly get a list of all cars fitting the details you entered. The more details you entered on the first screen, the shorter the list. The list contains 14 columns and defines each car, helping you get an understanding of car insurance groups in the UK.

  4. Step 4

    Scroll through the list to select a car. If you can’t find your car click the “back” button and enter another search. The list is based upon car model, year, series, CC, fuel type, gear box, number of doors and body type.

  5. Step 5

    Check column 11 and 12. These two columns tell you the car insurance group. You can change the order from highest to lowest by clicking at the top of the appropriate column. This lets you see cars with the lowest insurance group up to the highest, together with all the associated information, and makes it easy to understand car insurance groups.

  6. Step 6

    Repeat the process with other cars you may be interested in to get comparisons between insurance groups. It will help you understand the groups and may save you money on your car insurance.

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Tags: Car Insurance Car Insurance Groups Groups Insurance Groups

Today’s News: Nonprofit Health Insurers Hoard Cash, State Farm Sheds Home Insurance Customers and Ohio Auto Insurance Stays the Same for 40 Years

Posted by Kristin Collins \\ Aug 11, 2010

Reports show that many nonprofit health insurers have been hoarding cash, State Farm Insurance plans to drop home insurance customers and liability auto insurance in the state of Ohio has remained unchanged for 40 years.

Nonprofit Health Insurers Hoard Billions in Cash

According to a new study from the independent group, Consumer Union, many nonprofit Blue Cross Blue Shield health insurance companies have hoarded $9.1 billion dollars (or $855 per member per year) in extra cash over the last decade. What’s worse, the companies have held on to this money even after proposing double-digit premium rate hikes.

Seven out of 10 nonprofit Blue Cross Blue Shield companies held at least three times the amount that regulators required of them to maintain minimal solvency. With these reserves held, staff attorney from Consumer Union said the nonprofit should be able to reduce prices for consumers (Wall Street Journal).

State Farm Sheds 125,000 Home Insurance Customers

Recently, State Farm announced that it would be shedding 125,000 Florida home insurance customers due to the increased risk of hurricane damage in the state. This news comes only weeks after the company announced that it would be dropping its flood insurance customers nationwide and leaving the National Flood Insurance Program.

What’s unfortunate for the disbanded customers is that their home insurance options are not plentiful with other companies, and many of those who are offering don’t have the same financial backing as State Farm, therefore resulting in them charging more (Naples News).

Ohio Auto Insurance Unchanged for 40 Years

The lucky residents of Ohio have benefited from minimum liability auto insurance limits that haven’t changed since 1970. However, according to the Daytona Daily News, the low minimum limits have not been totally beneficial as they have created gaps between coverage payout and repair costs.

Why such a big gap? Because in 1969, a V-6 Chevy Impala four-door sedan sold for $2,894 while they currently sell for $24,290. With the cost of the car (and hence the cost to repair the car) being significantly higher, the coverage costs would need to increase above the current minimums of $12,500 one bodily injury/$25,000 all injuries/$7,500 property to be useful (Daytona Daily News).

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Tags: Auto Insurance Home Insurance Customers Insurance Insurance Customers

Today’s News: Health Care Overhaul Receives High Marks, Louisianans Don’t Fully Understand Flood Insurance and Young Drivers Make Insurance Claims Most

Posted by Kristin Collins \\ Aug 06, 2010

The health care overhaul has received some high marks from a surprising party, a study found that Louisiana residents don’t fully understand home insurance and new data has revealed that young drivers have the highest frequency of claims.

Health Care Overhaul Receives High Marks

Democrats and even some Republicans have given President Barack Obama high marks for the way his been able to carry out the new health care law. A new poll suggests that many people are very pleased with the way he’s pushed for health insurance and executed it, especially within the law’s first 100 days of being signed. Since May, favorable reviews have increased; however, since there are still months and years to go, views could change. Most say the November elections will be the real indicator of how the masses feel (NY Times).

Louisianans Don’t Fully Understand Flood Insurance

The Insurance Information Institute recently released a study revealing that people in Louisiana — homeowners in the epicenter of Hurricane Katrina’s destruction — are less likely than others around the country to understand that a home insurance policy doesn’t cover flooding. Specifically, 16 percent of Louisiana homeowners mistakenly believe that a homeowners policy covers flooding, having no idea that a flood insurance policy from the National Flood Insurance Program is how floods are covered (NOLA).

Young Drivers Make Insurance Claims Most

A report from the Highway Loss Data Institute revealed that drivers ages 16-19 have the highest frequency of auto insurance claims, as well as the highest average loss per claim. The types of claims this age group has the highest claims for include collision, property damage liability and bodily injury coverage. On the other end of the spectrum are 30-59 year olds who have three times fewer average claims than the teenage group. However, the drivers with the fewest auto insurance claims, according to the study, are those over the age of 70 due to their increased concern about their own driving skills (Auto Quote Now).

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Tags: Health Care Overhaul High Marks Insurance Young Drivers

I Wrecked My Car, Now What?

Posted by Kristin Collins \\ Aug 03, 2010

Wrecking a car is something no one wants to experience, but causing the wreck and only carrying liability insurance coverage is definitely one of the worst types of accidents a person can have. Luckily, you won’t be responsible for paying for the damage to the other person’s vehicle, but if the damage to your own car is too costly to repair, you’re left with the dilemma of what to do with your car.

What to Do with a Wrecked Car

The worst has already happened; you’ve caused an accident and wrecked your car with only liability coverage. Now it’s time to figure out what to do with it since your auto insurance won’t cover the damage. Here are a few options to consider:

1. Part It Out

One option that you have as the vehicle owner is to “part it out” or dismantle the vehicle sell it for parts. Even though the body of your car may be wrecked, there are still working parts that an experienced person could take advantage of (battery, engine, transmission, exhaust system, seats, etc.). Many mechanics and car junkies love to piece cars together at their leisure and would be willing to buy the parts instead of the whole thing.

2. Sell It to a Junkyard

If you don’t feel experienced enough to part out your car, you could try selling the whole thing to a junkyard. Junkyards are always in need of cars and are willing to part them out to individuals who come looking for parts. Unfortunately, junkyards typically don’t pay a whole lot for cars. You might get lucky if you receive $200 for your car. Keep this in mind as you decide what you want to do.

3. Donate It to Charity

Another option that you have as the vehicle’s owner is donate your car to a charity. Many organizations offer services like fixing up cars and giving them to needy families. If your car is in good enough shape, the organization might fix the car up and give it away. If it’s not, it might be parted out to restore other cars.

The good news with taking this route is that you could receive a sizable tax deduction if you donate vehicle parts or the whole car. Of course, you’d need to keep your receipt to claim the deduction.

Are There Any Other Options?

While most of your options would be exhausted above, there are a few other things you could try to redeem the fact that you didn’t have comprehensive and collision auto insurance for your car before causing an accident:

  • Sell it “as is”: Many people are willing to purchase vehicles in an “as is” state. This is an option you might consider if you have valuable parts on the car (i.e. expensive wheels and tires or audio system) and want to get something for the vehicle without parting it out. You’d be surprised by how much someone would pay for your “as is” vehicle knowing that they could pull some valuable pieces off and maybe even part it out on their own.
  • Take out a loan and fix the car: This is probably not an option many would consider, but if you’re dedicated to keeping your car and know that it would be cheaper to take out a personal loan and get the repairs fixed than buy a new car then it could be worth a try.

It’s no secret that collision and comprehensive coverage are more expensive that liability, but it still doesn’t hurt to upgrade to full coverage, especially if you’re a not-so-great driver. This way, your liability policy doesn’t have to be the reason that you have a car one day and a bus pass the next.

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Tags: Car Car Now
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