SAVE MONEY BY BUYING YOUR CAR INSURANCE ONLINE


There are many ways to save money, but if you wish to lower your car insurance premium rate then the best option is to go and purchase it online. It may sound new to many, but there are quite a number of drivers who are have been doing this for the past years and are highly satisfied by the convenience and savings it brings them.
 

Traditional Car Insurance Purchase

The traditional car insurance purchase will require you to buy auto insurance from the insurance agent, who commonly works for a single company. Another option is for you to listen to the sales talk given by an individual agent, who provides you with different quotes. Nevertheless, why do you still need to use this old method of buying auto insurance and pay the overhead built into your premium when it can be eliminated?
 

The Future and Online Car Insurance ...


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THE COST OF DEDUCTIBLE: HOW HIGH SHOULD IT BE?


One of the queries you have to answer before ultimately purchasing an auto insurance policy is the amount of deductible the company has to consider. Many buyers are confused with this matter and wonder how high their deductible should be. Here are a few insights on how you should make a decision on these things.
 
If you are looking for a minimum coverage then choosing a higher deductible becomes one of the best options. The car insurance provider will comfortably give you a lower-priced premium policy, yet be ready to carry the burden of paying upfront payment when faced with a car accident in the future.
 

Understanding Deductibles

Deductibles are the amount initially paid by the driver during an accident before the auto insurance company enters the picture. For example, you have a deductible of $500, then it implies that this amount is to be paid initially by ...

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GUARANTEED WAYS TO SAVE ON YOU CAR INSURANCE POLICY


Saving for your car insurance policy is now made even more possible through the following methods. Always consider this before making an auto insurance purchase and you will be surprised with the amount of savings it will bring.
 

Change of location

The car insurance premium rate is greatly determined by the location. Some states are charged more by insurance providers because of the high density of vehicles and populations in the area; therefore, if you will move to a place with the least number of vehicles, then you are guaranteed lower priced policies.
 

2. Join Organizations

Organizations like the AAA, Better Business Bureau, Chamber of Commerce, and AARP are greatly favored by most insurance providers. You may wish to become one of its members and you will be provided with a list of auto insurance providers affiliated with their site.
 

3. Low Risk Occupation

Another factor considered ...

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TO SWITCH OR NOT TO SWITCH: WHEN CHANGING CAR INSURANCE POLICIES BECOMES AN ISSUE


You have every right to cancel and change to a different insurance company anytime without penalty; however, it is important to find a more reliable company that will assist you with your car insurance needs before you do decide to leave your current provider.


There are various reasons why someone would wish to switch to a different auto insurance provider. Primarily, they may have seen a more affordable auto insurance policy with the same coverage they currently hold. Nevertheless, it is wise to investigate the customer satisfaction rating of the new company before you do decide to leave the old because lower premium rate is not the only condition you should consider in making the switch.


Checking the latest car insurance deals online is one of the easiest ways to determine if you are in need of a switch. Free online car insurance quotes ...


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CAR ACCIDENT CLAIM PAYOUTS: HOW IS IT DETERMINED?


No one would like to experience an automobile crash, but in case you do, how will the adjuster determine your car accident claim payout.


Accident Facts

Details of the crash have to be examined which includes the persons involved, the speed of the vehicles that caused the accident, the intervention of the police officer, and other relevant facts related to the event will be scrutinized.


Determining Liability

The claims adjuster determines the party responsible for the accident. Reconstruction experts may be called to assist if both parties fail to acknowledge the fault. Nevertheless, if the other party has been easily pointed out as the cause of the crash then it will involve minor investigations.


Extent of the Injuries

The insurance company will require a medical report from your physician, so your treatment and forms of medication ...


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WHEN REPORTING A CAR ACCIDENT IS NOT A NECESSITY?


Your auto insurance company will remind you that it is absolutely necessary that you report all car accidents to them and to the authorities. However, is it always wise to do so?
 

Accident under $1, 000 without Injuries

Authorities will not require you to report car accidents that have a total damage of only $1000 for both vehicles. You are free to have it settled between the two of you. Nevertheless, if it involves personal injury then there is no argumentative reason why you should not put it into records.
 

Should I report it to my insurance company?

Even the minutest of accident incurred through your policy can be considered a blemish on your insurance report. It will reflect on your records for six years and it may be used by car insurance providers to increase your premiums.
 

Accident over $1,000 without injuries

Any accident ...


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FIVE MUST SUBMIT FACTS WHEN MAKING A CAR INSURANCE CLAIM


Secure the following information, before you go to your car insurance company to submit a claim because this will greatly reduce the amount of time needed to resolve your auto insurance claim.
 

Complete Information of the Other Party

List down the address, the contact details, the date of birth, and the driver's license of the other party. Care to inquire about their insurance information including the name of the insurance provider catering their needs and the contact number of the agent assigned to this policy.
 

Gather the Witness

To make an authentic claim, find a witness that can stand by your story. It will help your insurance company easily identify the true culprit behind the incident.
 

Police Information

If a police assisted you during the event, then take note of his name, his badge number, and the report number of the accident.
 

Vehicle Information

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THE OTHER PARTY HAS NO INSURANCE: WHAT HAPPENS NEXT?


You were responsible to purchase a car insurance policy according to the requirements of the State. However, the party responsible failed to do so. He has no car insurance coverage, what will happen next?
 

Remain Calm

Do not loose your cool. It would seem natural if you start shouting back at him for being a very irresponsible driver on the road, but it will do you no good. It would not help you with your auto insurance claims. Instead, remain focus and gather authenticated identification details. After he provides his name and contact details, ask for names of individual who can attest the information he has provided is indeed true.
 

Present Details to the Car Insurance Provider

After gathering the relevant evidence and information, claim for damages through your own insurance company. It may file joint complaints against the uninsured and if you follow the above-mentioned recommendation; ...

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IF THE CAR ACCIDENT IS NOT YOUR FAULT, WHAT SHOULD YOU DO?


Driving Under the Influence (DUI) is one of the major reasons behind these accidents. It is too unfortunate if you become one of the victims of someone else's irresponsibility. However, if you do encounter one on the road, what should you do? How should you react?
 

Minor Accident: The Other Party Acknowledges Fault

If there is no police in the scene, it is only a minor scratch on your vehicle, the other party is acknowledging it is his fault; then has him sign a written consent form stating he claim responsibility. You are free to settle the matter with him without the need to involve car insurance companies. However, make sure you gather and authenticate all of his contact details in case he suffers from temporary amnesia and forgets all that you have discussed.
 

Minor and Major Accident: No One Acknowledges Fault

It would be great if the ...


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AARP CAR INSURANCE


AARP is a non profit organization offering a wide variety of insurance products for its members. These products include long-term care insurance, residential insurance, life insurance, mobile-home insurance and health insurance. In addition to this, members of the organization are also provided with expert advice and support on different topics. With over 40 million members, AARP is widely considered to have one of the largest membership organizations in the US.


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