Insurance issues you need to deal with when your vehicle is totaled

August 28th, 2011

After being involved in a vehicular accident, a great deal of time will be devoted to address the issues of your car insurance especially when your car is totalled. You only got two scenarios to deal with with your car insurance company being pro-active or your auto insurance firm trying to fight with you about the claims. Whatever happens you need to deal with the following:

Documentation

Make sure you monitor what is happening with all the paper works and communication with the other party involved in the accident and your car insurance company. Try to keep a record of phone calls made and also print a copy of any email or communication from the car insurance company.

Legal Issues

There will be several legal issues you need to attend to when your car is totaled especially if the accident is your fault. You may also be liable for medical expenses of other people who may be involved and possibly damages to other properties. Even if you have a good car insurance, you may still need to ask your lawyer to help you with everything.

Increase in rates

Expect your car insurance premium to increase when you have totaled your vehicle. After a big accident, you are seen by the insurer as someone who will be a bigger risk. You cannot get away with the higher premiums even when you go to another car insurance company, you will still pay more. Take note too that you will be required to disclose the details of the road mishap to future insurance provider.

Keeping a very good credit report and getting good car insurance premiums

July 4th, 2010

One helpful tip for those who already own a car insurance, plan to buy auto insurance, or is looking for an affordable insurance premium is to maintain a good and clean credit report. Remember that every missed payment of your bills reflect in your credit history and affects your credit score.

When you apply for any loan to use for a car or a house, or even when you seek employment, your credit report will be put into consideration. This is also true when you are getting a car insurance. Car insurance companies may opt to inspect ones credit history. You will not have a problem if you have a good credit history but when it has a lot of holes then you can expect a higher monthly premium that you need to pay the car insurance company.

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Finding The Right Car For You!

April 9th, 2010

vw-passat-01-tdi-est-1Buying a car is not an easy task, there are a ton of different things that you need to consider and quite a few questions that you are going to want to ask yourself.  You want to examine your needs specifically and make sure that you get a car that suits your needs versus your wants, as that is the most common mistake.

This will involve making a list of everything that you need versus everything that you want.  You want a car that has good gas mileage, make sure that you add that onto the list.  If you want a car that is going to overall be good and have enough room, which is another need.

You also want to make sure that the car is safe and has all of the safety features that you need.  You also need to decide if you need an automatic or a manual – these are important things to consider.

Some Simple Steps to Decrease Your Insurance Costs!

April 2nd, 2010

money_stack_lrWhen it comes to insurance, everyone wants to save a little cash – especially nowadays and I can tell you for sure that there are a ton of little steps that you can take in order to reduce a lot of your insurance costs, you just have to find them.

One surefire way is to make sure that you are getting a good deal on the auto insurance that you have now.  This is just the first step and it will take a little bit of research on your part; such as, reaching out to your current insurance company just to ensure that you are, in fact getting a great deal.

That’s not enough though, you want to do your own research by getting at least five different quotes and if they are less than your current policy – why not switch?

Used Cars — How To Sell Yours!

March 20th, 2010

20090805-used-car-dealerWhenever you are selling a used car, there are certain tips and tricks that you need to follow in order to ensure that you are putting your best foot forward on the sale.  For example, making sure that you are storing your for sale car in a high traffic area and making sure that it is extremely clean is a great way to ensure that people see your car.

You also want to ensure that the car is in fantastic working order and that you place the phone number where you can be reached in a place where many people can see it from the road.  That way, people will be able to call you as they pass the car.

Finally, you want to make sure that the price matches the Kelley Blue Book or even a little under it, that way you can make the people believe they are getting a great deal!

Finding Low Car Insurance Quotes After an Accident!

February 27th, 2010

01_car_accidentIf there is one thing that can bring up your car insurance premiums, it is a car accident.  To be perfectly honest, car insurance is something that everyone needs but if you know the inside tips and tricks, you know that if you get into a car accident, it does not always mean that you car insurance is going to go up.

One of the greatest ways to ensure that your car insurance premium does not go up is that you get a car insurance policy that includes accident forgiveness.  What this means is that even if you do get into a car accident, your premium will not go up.

You also want to make sure that you do your research on car insurance and that you get at least a few different quotes, so that you know you are getting the best price!

What Car Insurance Company Is Best?

February 9th, 2010

insurance-3Did you know that, just in the United States, there are more than twenty five hundred auto insurance companies? I know, right? Paperless companies and reputable companies and fly by night companies with amazing deals that can’t possibly really exist…

How in the world can you possibly choose the right car insurance provider?

Well, for starters, you cannot get taken in by all those ads. Just because a certain company puts up a huge billboard telling you to go with them does not mean it is a great idea.

You need to delve past the marketing gimmicks, try to get past all of that hype to the real deal.

When you are looking for a car insurance company, compare their ratings, compare what they offer you specifically.

Fun Facts about Car Insurance Rates

January 27th, 2010

insurance-6You know, car insurance is a pretty funny thing. Well, what I mean is, the things that can affect your car insurance are pretty funny — and some of them are a little ironic.

Take age, for instance. Most of us know that before you are twenty five, you’re better off walking. Yet drivers who range between 50 and 65 are considered the safest, they have the safest records. Huh? Is it because so many of them drive 10 miles per hour? I get that a lot of younger drivers are speed freaks (I mean they like to go fast, people), but their reflexes are also the sharpest. So, well, okay, what do I know?

Married people pay less for insurance. Why? Are they considered more responsible? But what if you’re under 25 and married?

Your occupation could cost you more. Your car insurance agent probably pays less for premiums than you do — because he sits behind a desk and charges other people out the nose for car insurance.

Canceling Your Car Insurance: How To Do It!

January 2nd, 2010

cancelling-car-insuranceCanceling your car insurance is something that can be uncomfortable and time consuming … if you let it.  There are many ways that you can avoid the uncomfortableness of it as well as the time consuming portion and that is what we are going to talk about in this blog.

One of the first things that you want to do is make sure that you contact your current insurance provider.  Why are you cancelling your car insurance?  Do you need a lower premium?  Can not make the payments?  These are all things that you need to discuss with your insurance agent, that way you can figure out exactly what the best option for you.

Next, read your policy over – see what you have versus what you might be looking for, you might be surprised.

Texting While Driving — It Can Raise Your Car Insurance!

December 23rd, 2009

texting-imageIn this day and age, it seems that cell phones are constantly attached to our hands.  Whether you are on the cell phone or you are texting to someone, somehow, you are using your cell phone.  Did you know that when you text and drive, you are putting not just yourself at risk but also anyone else you might have in the car?

Let’s say that you are texting and you get into a car crash, this in turn is going to make your car insurance go up because you are distracted while you were driving and it would be your fault.

The moral of the story is that if you want to keep your premiums where they are right now … just leave your cell phone in the cup holder until you can pull over to use it.