Auto Insurance online - How it protects you and your vehicle

[ Join discussion ]

Message Author
PostPosted: Thu Mar 25, 2010 11:45 am   Post subject: u think the judge will make auto insur.. pay?  

I was a passenger in dec 08 no fault insur paid bills 6 month cut me off after ime , i was being treated for sacal dysfuntion and soft injuries leading to fibromyalga, and brain injury i have a history of minor pains from work injury in 03 but i contiued to work, also i have a felony and a hitory of cocaine but i've was clean 4 years prior and still clean thank God!! instead i turn my life around got in college stayed on dean's list and 1 year before grad i was a passenger in this accident stop my life.. do i stand a chance with the no fault insurance company? i am still being treat by psy, neuro psy, psyco thearpy, spine bone specalist, primary, scrum being manually put back into place there no surgy for that so sad...


_________________
Register Now to have your Insurance queries solved.
ms wellington
Guest





1.00 Dollars($)

PostPosted: Fri Apr 30, 2010 5:41 pm   Post subject: Good info  

Very nice site!


_________________
Register Now to have your Insurance queries solved.
Pharmc269
Guest





1.00 Dollars($)

PostPosted: Tue May 04, 2010 2:21 pm   Post subject: Website  

Does anyone have a car insurance site they are looking to monetize?


_________________
Register Now to have your Insurance queries solved.
Looking for Contnet
Guest





1.00 Dollars($)

PostPosted: Thu May 27, 2010 6:01 am   Post subject:   

Hi Icebee, it looks like you're asking what factors of insurance claims cause your insurance premiums to go up.  That can vary a lot depending upon who you are buying insurance from and where you live.  Some states have no fault insurance, so a claim shouldn't affect your rate.  You should discuss this with your insurance carrier.  When buying a new policy, the major factors that influence auto Insurance rates are mainly your age, sex, marital status, driving record and record of prior claims.  Not only this but also your vehicle's age, type and the way you are using your vehicle also affects auto insurance rates. But nowadays finding an instant quote online is very easy. For best price you can go for QuoteLocal.com for an instant quote in any state, for example florida car insurance, if that suits you and even buy a policy on the site or get connected with a local agent.

Mike1
New member

Joined: 27 May 2010
Posts: 1


1.29 Dollars($)

PostPosted: Sat Jun 05, 2010 10:23 pm   Post subject: How about the cost of teen driver insurrance  

Why, with Driver's Training in High School, and Professional Driver's Training that many young driver's are enrolled in are the rates so high for them?

I can understand an "untrained" teen rates remaining high, but certainly considerations should be applied for those that have taken the training!

LarryMills
New member

Joined: 05 Jun 2010
Posts: 1


1.16 Dollars($)

PostPosted: Sun Jun 06, 2010 7:37 am   Post subject:   

Quote:
Some states have no fault insurance, so a claim shouldn't affect your rate. You should discuss this with your insurance carrier. When buying a new policy, the major factors that influence auto Insurance rates are mainly your age, sex, marital status, driving record and record of prior claims.




If driving record/record of prior claims is a problem with a new policy, why would it not be a problem with an existing policy, even in a "no-fault" state?



The answer is that prior accident claims, if AT FAULT, are always going to affect your premiums. Notwithstanding the "accident forgiveness" policies of insurance companies. The first one you get a pass, but with the second one, you get the benefit of BOTH, and your rate WILL increase.



Quote:
Why, with Driver's Training in High School, and Professional Driver's Training that many young driver's are enrolled in are the rates so high for them?

I can understand an "untrained" teen rates remaining high, but certainly considerations should be applied for those that have taken the training!




Well, you sort of answered your own question. Youthful drivers with driver's training courses, 3.5 GPAs, and those who are married get a discount in their rates.



But the fact remains that drivers under age 26 STATISTICALLY have a considerably higher incidence of poor driving behaviors and higher accident rates. Much of it is due to sheer inexperience behind the wheel, the rest often to the "invincibility" of youth.



It was once thought that it only affected those of us who are of the male persuasion, but the most recent studies have demonstrated that females under age 26 are perhaps even more likely than males their age to demonstrate bad driving behaviors.



Until age 26, it's just part of growing up. Risk is risk, and insurance companies who accept it are entitled to be compensated for their acceptance. Those younger drivers who don't get the speeding tickets, who don't involve themselves in traffic collisions, don't see the same increases their peers do.


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Forum Expert
MaxHerr
Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.50 Dollars($)

PostPosted: Wed Jun 09, 2010 5:28 pm   Post subject:   

useful information. thanks

autoinsurance
New member

Joined: 08 Jun 2010
Posts: 5

Location: Florida
1.48 Dollars($)

PostPosted: Thu Jun 10, 2010 9:35 pm   Post subject: Credit can affect your auto insurance.  

Some States have allowed the use of individual credit to be a determining factor in the issuance of car insurance.



However, two such states, Texas and Michigan have institutionalized state agencies to meticulously govern and manage those insurance bodies. These states have a socialized automobile security plan where individuals having bad credit or low income jobs can obtain economical coverage or liability car insurance.



True, each has rather strict guidelines by which a motorist can qualify for low cost insurance. However, this is a two edged sword! The performance characteristics of every insurance agency and company are meticulously maintained. These involve the speed with which legitimate claims are processed by the insurance company, customer satisfaction (both client and claimant), conformity to state and federal laws. A performance index is issued for each firm and their respective insurance costs are compared with both a state and federal cost per coverage.

_________________
Register Now to have your Insurance queries solved.
quoteme4life_com
Guest





1.00 Dollars($)

PostPosted: Tue Jun 15, 2010 4:20 pm   Post subject: u.k. car insurance  

I have just inherited an english registered car however the insurance company have cancelled the existing insurance. How can I insure this vehicle until it can be sold.


_________________
Register Now to have your Insurance queries solved.
Valerie Parsons
Guest





1.00 Dollars($)

PostPosted: Sat Jun 19, 2010 6:10 pm   Post subject: car insurance policy  

Why isn't a grace period between the time you sign a "good faith" agreement and the actuall quote for the consumer to decide if they want to buy the policy? This should be mandatory when buying on line.


_________________
Register Now to have your Insurance queries solved.
Iampissed2
Guest





1.00 Dollars($)

PostPosted: Sun Jun 20, 2010 5:13 pm   Post subject:   

Quote:
a grace period




A grace period, technically, is the time following the due date of a premium and the time the policy lapses for nonpayment of the premium. In auto insurance, it is typically 10 days.



When purchasing auto insurance online, you need not accept a quote. You are free to obtain as many quotes as you choose to before deciding which to accept. What else do you need?



Quote:
I have just inherited an english registered car however the insurance company have cancelled the existing insurance. How can I insure this vehicle until it can be sold.




If the vehicle is here in the US, it should be insurable with any company admitted to transact insurance in your state.


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Forum Expert
MaxHerr
Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.50 Dollars($)

PostPosted: Fri Jul 16, 2010 3:06 pm   Post subject: what is auto insurance  

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:



* Property coverage pays for damage to or theft of your car.

* Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

* Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.



An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. you can read more here, (no you cannot...link removed and PM sent by moderator-lori)

intosmith
New member

Joined: 16 Jul 2010
Posts: 3


2.13 Dollars($)

PostPosted: Sun Aug 08, 2010 5:36 am   Post subject: Auto Insurance  

Searching for car insurance can be a hassle and a time consuming activity. Making sure you have the best coverage for the least amount of money requires you to shop many different agencies and



compare plans. The best way to make the car insurance buying process go as smoothly and easily as possible is to shop online and request free auto quotes, different companies, plans, and



different automobile insurance rates from the comfort of your home computer.



Comparison Shopping Web sites



Finding an online automobile insurance company is simple. Doing an Internet search for “auto insurance” or “auto insurance comparisons” in any online search engine will bring you results of



companies that offer car insurance and allow you to compare plans and rates with that agency and with their competitors. Have your personal information ready; name, DOB, drivers license, and phone



number as well as the detailed information of your vehicle; make, model, year, and possibly the VIN number. All of this information can be found on your vehicle’s registration paperwork or its



pink slip.





Know Your Budget



How much each month can you afford to sacrifice on auto insurance? How much coverage and what kind do you really want? What is the difference between collision and comprehensive coverage? Do you



need them both? What are your state’s minimum requirements for insurance? All of these things are questions that you will need answers to in order to save yourself the most money and get the best



coverage. Depending on your vehicle, driving history, and past insurance claims, your premium will vary from company to company.



If in Doubt…



… call an agent. If you are lost by the information you find online, choose an agent from one of the web sites and give them a call with your questions ready. If they are a good agent they will



patiently answer your concerns without high-pressure-selling you. Remember, it doesn't cost you a cent to get a quote, and the insurance representative needs your business more than you need to



give it to them if they begin to pressure you into coverage.



When you start your search to find affordable insurance coverage, be patient. There are many of choices out there, some good, some not so good. Do your do dilgance and find out what your state



requires for insurance. Decide how much you can spend on insurance. Decide how much you really need on your vehicle. Start your comparison research online, and if you have any or questions, call



a representative. Do not let yourself get pushed into coverage you do not need by a pushy insurance representative. Keep these things in mind and your patience in check and you will successfully

digital425
New member

Joined: 08 Aug 2010
Posts: 1


1.45 Dollars($)

PostPosted: Sun Aug 08, 2010 1:08 pm   Post subject:   

Quote:
If in Doubt…call an agent. If you are lost by the information you find online, choose an agent from one of the web sites and give them a call with your questions ready. If they are a good agent they will patiently answer your concerns without high-pressure-selling you.



[and subsequently]



Start your comparison research online, and if you have any or questions, call a represenitive.




Why not save yourself all the hassle and call an agent first?



D-I-Y may work at Home Depot, although plenty of people have electrocuted themselves trying to replace a circuit breaker or carved limbs off their bodies with power saws, but there are at least four or five times as many inexperienced persons who have tried the D-I-Y insurance route, only to end up in D-I-Y bankruptcy court trying to recover from a collision in which they were at fault and woefully underinsured. All because they did not understand the tradeoff between minimum liability limits and minimum premiums and sufficiently high liability limits with premiums perhaps $20-$40 per month higher.



Working with an agent -- a living, breathing human being who can ask the right questions -- is far more beneficial than merely saving a few dollars that will ultimately by wasted on something with too many calories at a neighborhood coffee shop (or something similar).


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Forum Expert
MaxHerr
Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.50 Dollars($)

PostPosted: Sat Aug 14, 2010 11:49 am   Post subject: When someone sues for more money than your coverage.  

Someone is sueing my husband for more than his liability, what can happen to any savings or retirement funds I have as this wife, if we do not settle for the amount the insurance company can pay. Am I protected. Also, what about my husbands retirement and savings, can they touch our future???? Crying or Very sad


_________________
Register Now to have your Insurance queries solved.
croatia12
Guest





1.00 Dollars($)

All times are GMT
 Previous  1, 2, 3, 4, 5, 6, 7, 8, 9, 10  Next  
Page 3 of 10

 
Delete this topic Move this topic Lock this topic Split this topic 

Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.298 seconds.