elanoramenna's Space http://elanoramenna.posterous.com Most recent posts at elanoramenna's Space posterous.com Fri, 23 Nov 2012 22:37:48 -0800 What You Need To Know About Your States Car Insurance Requirements http://elanoramenna.posterous.com/what-you-need-to-know-about-your-states-car-i http://elanoramenna.posterous.com/what-you-need-to-know-about-your-states-car-i

Although car insurance is a recurring expense, it is an important one because it will protect you against financial liability or loss if your car is in a collision resulting to property or physical damages. In the US, car insurance rules differ among states, but in most cases, liability insurance is required as an evidence of financial responsibility, or to put it simply, to show that you, as the vehicle owner, can cover the cost of damage to other people or property in case of a road mishap where you are at fault.

Some states, such as Wisconsin, have less stringent proof of financial responsibility requirement. In Virginia, insurance is also not required, and people living there can instead pay the state an annual fee, about $500 per car, if they opt out of buying liability insurance. In contrast, there are a few states such as North Carolina that require that you purchase liability insurance before a license can be issued. Because of these differences in insurance requirements, it is best to check with your states transportation bureau.

Understanding USA car insurance requirements

When reading about your states auto insurance requirements, you would most likely encounter numbers such as 25/50/25. The first two numbers are bodily injury liability limits and the third number refers to the property damage liability limits. To elucidate, 25/50/25 signifies each individual hurt in a car accident would receive a maximum of $25,000, but only $50,000 is allowed per accident. What this means is, if there are three people hurt, and each of them require $25,000, whoever submits a claim first gains first access to the $50,000 limit. When it comes to last number, it means that the total coverage per accident allotted for property damage is $25,000. Tap here to discover more about car insurance in USA.

In case of a car accident, these state required limits often could not adequately cover your entire liability and property damage requirements. As such, despite the fact that purchasing a policy that satisfies your states minimum requirements is all that is required to drive legally in your state or save yourself being penalized for not showing proof of financial responsibility in the event of a car accident, this is not always the best choice. This is because doing so would mean more out-of-the-pocket expenses for you, and the potential for jail time or being sued if you cannot pay for your liabilities.

How much coverage should you purchase?

Insurance providers may convince you that you should buy as much as you can afford. While that may seem logical, it is not always practical. For example, you do not need to shell out a great deal of money on a personal injury protection policy if you already have a health insurance or disability insurance through your employer.

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Mon, 12 Nov 2012 03:48:10 -0800 Average Ways To Save Above Average Amounts On Auto Insurance http://elanoramenna.posterous.com/average-ways-to-save-above-average-amounts-on http://elanoramenna.posterous.com/average-ways-to-save-above-average-amounts-on


Auto insurance was designed with the purpose of protecting your vehicle in the event of an accident as well as other things. Auto insurance not only protects you, but it protects other people as well. Carefully check the actual coverages in a policy before you buy. Your financial security can be threatened by inadequate coverage in case of an accident. Using the following tips, you can get an affordable insurance plan that provides all the coverage you need.

The best auto insurance advice is to keep a clean record while driving. Nothing increases your premiums like getting into an accident. Know your own driving limits, and stay away from any situations that you are not comfortable in. For example, if you have a hard time seeing the road late at night, avoid driving during this time.

Take a look at your vehicle's insurance policy to make sure it is accurate and up-to-date. Keeping your information current is very important. Is the address listed for your home correct? Look at the year, model and make of the car listed to make sure it is right. Your premium can be affected by the mileage you estimate yearly; make sure your policy reflects this.

If an auto insurer offers you the chance to get a warranty on the parts that are used to repair your vehicle, do not jump on board with it without doing research first. Auto parts makers guarantee their products, while the repair shops also guarantee their work. You don't want to waste cash on something that is worthless.

The auto insurance you purchase should include property damage liability. This liability will cover damages your car causes during an auto accident. Most states require this liability. However, in the event of an accident occurring, property damage liability could prevent you from having a very large bill.

Taking a driver safety or defensive driving course is a way to enjoy a significant discount on your auto insurance. Most companies will give you a break on the premium if you take one of these classes. It will also teach you to become a better driver. These courses are offered by many driving schools. An online search will also provide you with other course options.

Some insurers offer a "geezer discount" to people who are over 55 years of age and take a course to bone up on their driving skills. Potential 10% off your total cost of insurance is a great benefit.

What kind of car you have greatly influences what insurance you should buy. If your car is a older model, you should not need as much insurance as if you drive a newer car. You should also be aware of what your vehicle's theft rate is. The more likely it is that your vehicle will be stolen, the more you should think about paying for comprehensive insurance.

Don't rule out buying a sports car because you've heard the oft-repeated advice that the insurance premiums are too high. Many sports cars do not have a higher premium. You may want to check with your insurance company to see which ones are the most affordable.

Several factors determine auto insurance rates. Marriage, gender and even age are all considerations. It pays to educate yourself on the factors that can influence your rates, so you can recognize if a quote you're given while comparison shopping is high, low or reasonable.

The amount someone pays for car insurance varies from person to person. It is not only because of different cars or conditions. Certain people can pay less money for the same or better coverage. Just learn tricks of the trade to save some money.

If you require air conditioning work, AAA Carolinas will provide the highest level of service for your automobile.

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Mon, 29 Oct 2012 06:47:17 -0700 Advice On Picking The Right Auto Insurance http://elanoramenna.posterous.com/advice-on-picking-the-right-auto-insurance http://elanoramenna.posterous.com/advice-on-picking-the-right-auto-insurance


If you drive a car, you need auto insurance. It can sometimes be difficult to determine the kind of and amount of insurance you should get as part of your policy for your vehicle. There are a lot of options out there in the world of insurance, so it's easy to get overwhelmed. Choosing the right policy for you does not have to be a daunting task. The following tips will help you determine the basics and better understand your auto insurance options.

Attorneys and lawsuits are generally not worth the expense and hassle unless a claim is over $25,000. Instead, try to reach a settlement by using the claims adjuster. Getting a lawyer costs a lot of money, and the amount they will charge you in fees makes it not worthwhile.

Figure out what kind of insurance coverage you should have for your car. There are many options available, but they may not all make sense for your situation. If you have a record of minor crashes, however, it may be worth paying extra for collision coverage.

If you are looking to reduce your premiums for your auto insurance, consider raising your deductibles. Insurance providers offer lower cost coverages for higher deductible plans because they feel you will be unlikely to file a claim for small amounts. If you do use this tactic, remember that you will have to pay more money should you need to submit a claim.

You need to keep your premiums low and always keep coverage. Moving from this carrier to another one could cause a lapse in your coverage. Your insurance company will raise the rate charged once they discover you have had gaps.

If you are involved in an accident, immediately contact the police. Police officers know what type of information to obtain, and they can guide you on what steps to take when you get home. When you have to contact the insurance company, the police can be extremely helpful. Be sure when an accident occurs, the police are called in a timely manner.

It is important to obtain an insurance policy that protects you against uninsured drivers. This is something you will really want to consider since it increases the price that you will pay. It will also protect you in the event that you are in an accident with an uninsured driver.

For cheaper insurance rates, try increasing your FICO score. Like many other companies, auto insurance agencies check credit. Most insurance companies factor in credit scores because studies show that individuals with low credit tend to experience more accidents. Keep your insurance rates low by maintaining a respectable credit score.

Requesting payment receipts from your insurance company is a really smart idea. Not only do you need it to carry in your car for proof that you do have insurance, it could also come in handy if there is ever a dispute with your insurance coverage regarding premiums being paid.

If you need to save money, choose a higher deductible. You should then put some money aside to pay your deductibles in case you get in an accident. Premiums and deductibles have an inverse relationship in that, in general, the higher your deductible amount is, the more you can save in premium costs.

As you can tell, most people fail to realize just how much there is to auto insurance. Take the time to do some research and use common sense. When you are protected, you will be helping protect your vehicle. Keep the above advice in mind the next time you have to get car insurance, and you are sure to make wiser choices.

If you require sophisticated diagnostics, AAA Carolinas will deliver the best performance for your truck.

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Thu, 27 Sep 2012 03:57:55 -0700 Evaluating Your Auto Insurance Options To Save Money http://elanoramenna.posterous.com/evaluating-your-auto-insurance-options-to-sav http://elanoramenna.posterous.com/evaluating-your-auto-insurance-options-to-sav


Auto insurance is an incredibly important thing for all drivers to have. Working through the thousands of insurance providers and plans can seem virtually impossible. In this article, you can find some guidance to pick the right plan for you.

If you know any local mechanics, ask them for advice on insurance policies and companies. People who work at a body shop have to interact with insurance adjusters on a regular basis. These shops deal with insurance companies day in and day out, so they will know which ones are easy to deal with and which ones drag their feet.

Contact the police when you have an automobile accident. The police can gather information without letting emotions get in the way, and they can record an unbiased account of the accident that could help you later. Having the authorities on your side will also be a great benefit when your insurance company gets involved. Contact the local police department as soon as possible.

Always get multiple quotes from different companies when buying car insurance. Rates can vary dramatically from one company to the next. You want to shop around to find the best price, and you should check rates with different providers at least once a year. When you are reviewing the quotes, look to see that the amount of coverage is comparable on each of them.

Be sure you are aware of your recent driving record when considering changing your insurance provider. If you recently received a ticket you may want to wait to do this. There is no reason you should not clean up your driving record, and you can be certain that insurers are going to examine it carefully. This is not only good for your karma, but also for your auto insurance rates.

Be sure to keep a record of each and every one of your insurance payments. On the chance that you get pulled over and need to show proof of coverage, you'll have a record of your premium payment.

If you are driving, a lot of state require liability insurance. It is up to you to find out whether your state has such a law and, if it does, make sure you are in compliance with it. If you're not insured or are under-insured and have an accident, you could suffer through a serious financial outcome. In addition, you could be charged with breaking the law.

Many times your insurance company can provide you with a list of discounts, so you can clearly see which ones you may be eligible for. Discounts like these can save a surprising amount.

Certainly your premiums will be higher than those of someone with an unblemished record, but each insurance company has its own parameters for determining premiums. There are a few insurance companies out there that try to get better insurance rates for drivers that don't have a perfect record.

As with any kind of insurance, when you are buying a policy for your vehicle, you need to have a good understanding of what sort of coverage is best for you. Arming yourself with the necessary information is a great way to make sure you get your auto insurance at the best possible price. Apply the tips mentioned above to help you purchase the right kind of auto insurance.

Don't allow an issue with your automobile ruin your holiday. Before you go, visit AAA Carolinas location to fix any outstanding issues.

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