Car Insurance Rates After An Accident

Every time I drive by someone pulled over on the side of the road that recently got in an accident, my stomach starts to hurt. I instantly feel sorry for their situation, because I know what is coming. Regardless of who is at fault, there will be a lot of insurance issues to sort out in the future for those people. It will definitely be a hassle to say the least. However, the main worry for many lies with what will happen to your car insurance rates.

If you are not at fault, usually your car insurance rates are fine and they will stay the same. However, there are some companies that will raise your rates because they had to spend time and money dealing with your claim. If this is the case, you might consider switching companies.

Obviously, if you were at fault, you should expect your insurance rates to go up. Not only will your insurance company be obligated to pay a lot of money for the accident you caused, but also they will now consider you more of a risk to insure. And, if the accident was really bad, they might not even insure you. Although accidents do happen, it is important to drive cautiously and avoid them if possible. Of Course this depends on the State you live in, as well as which city. Someone living in Atlanta, Georgia is likely to pay much higher premiums than someone who is a resident of Woodstock, GA.

Does The Agent Really Matter When Getting Car Insurance?

When you purchase car insurance today, you typically have to do so through an insurance agent. With the advent of the internet, some people wonder whether or not it an agent is really necessary anymore. Have these agents lost their value? Have they become like the travel agents of today? Maybe they are only necessary for people who do not want to or have the time to find car insurance themselves.

While the Internet provides us with a lot of information and the accessibility to purchase car insurance without the help of an agent, there is still tremendous value in using one. When you work with an insurance agent, they will help you to understand what policy features are best for you and what type of coverage you should have. A lot of times, we assume we understand what companies are offering, however, it is always wise to speak to an expert. And an agent is that expert. They understand the specifics better and can help you get the best policy at the right price.

If you are skeptical, try working with an agent and you might change your mind. Most insurance agents are helpful and great to work with. Usually their clients enjoy working with them and remain loyal customers for many years.

Read The Fine Print: The Agent Isn’t Always Right

I recently got in a major accident in Missoula, Montana. Fortunately it was not my fault. However, because of the severity of the accident, it was necessary for my insurance company to become involved in the claim and settlement process. Throughout the process, I learned a few things about auto insurance, most importantly being that I did not exactly understand the coverage my agent sold me.

When you work with an agent, they sell you the basic policy features and benefits. However, when it comes to processing a claim, the fine print of your policy mandates how everything is dealt with. For example, I had a $5000 medical payment coverage plan on my policy. I was unaware that I had to pay that back since the accident was not my fault. Therefore, it made the settlement process more difficult because I had to work with the other company to get a higher amount so I would not be out of pocket.

Most of the time, the agent does not know or understand these types of details. They are responsible for selling you your policy. When it comes to handling a claim, an adjuster will handle the process. Therefore, if you are purchasing a new policy, you might want to read it through.

You Can Save Money On Your Car Insurance By Shopping Around

With the fast pace of today’s society, many people are accustomed to a “get in, get out” philosophy. And, while this philosophy may prove effective in the short term, in the long run, it could be costly. Consider shopping for auto insurance. It is quite easy to google auto insurance and find the top providers online. In fact, chances are you will probably stumble across companies like Geico and Progressive that will research companies and compare rates for you. What a nice service, right? Maybe.

While no one is advocating skipping the beneficial sites such as Geico and Progressive, what we are suggesting is putting a little more time and effort into your car insurance search. Perhaps there is a smaller auto insurance company in your area that offers great rates and does not have as large of an online presence. After all, someone who lives in Salt Lake City will know it a whole lot better than a website would. If you take the time to contact them, you might get a better rate.

Whatever you do, make sure you ask around. No one wants to pay more than they have to for car insurance and it is possible that your friends, neighbors and family will have some suggestions for you regarding great options for car insurance companies. Try looking into those options first.

Teen Driver? What You Need To Know About Insurance Rates

For you and your child, it can be  a proud day when your they turn 16 and start driving. It can be a scary day for many drivers on the road and for your insurance rates, though. No matter how you look at it, your insurance rates are bound to go up when you add your teen driver to your insurance policy. This happens because teens have less experience behind the wheel and insurance companies as well as statistics indicate that they are more of a risk to insure. It happens in every city, and every state: From Massachusetts to Mississippi.

Despite the rise in your insurance rates, there are certain ways things you can do to keep your insurance rates low. First, if your teen is a good student, then you most likely can get a good student discount. Second, make sure your teen maintains a clean driving record. Any discrepancies on their record will undoubtedly raise your rates. In addition, if you need to, you can always increase your deductible to get a lower car insurance rate. Lastly, if you buy your teen a new car, you will have to pay more for insurance, so keep that in mind when it comes to choosing their car.

And, as always, make sure to shop around to find the best policy! It is definitely worth the extra time and effort.

Comparing Auto Insurance Companies in Virginia: What To Look For

One of the greatest factors about shopping for car insurance is the number of options you have to choose from. This advice isn’t limited to Virginia, not even the Easten Seaboard. There is not one company that has a monopoly on the market. Instead, there are several companies competing for you to be their customer. With all the competition out there in the market, how do you decide which company to go with? For starters, there are specific items that every person must look for when speaking with various insurance companies.

First, the price is going to be important to everyone. Price is usually everyone’s first priority. Sometimes, it is their only priority, however, there are other factors to consider. Coverage is an extremely important factor to consider. You need to know what type of coverage you want in order to choose the right insurance company. Therefore, look for insurance companies that offer the coverage you need at a decent price.

Additionally, make sure that the company you decide on has a stable track record. Ask around if needed to ensure that they will process any claims that you might have in the future. You want to be sure that you will be able to rely on the company you do decide to go with if you need to.

Do Texans Really Need To Compare Car Insurance Quotes?

compare-car-insuranceWhen most people shop for items, we usually look at the bottom line – how much is it going to cost? In doing so, we neglect to read the fine print. There are certain details that we may miss in the process that might be imperative to the situation.

When you walk in to a store in Austin, (or any other city for that matter) they usually list their return policy on the back of the receipt. Usually, no one pays attention to these minor details until they have to return an item and realize that the deadline has passed. Maybe they should have read the fine print. When it comes to insurance quotes, we can easily make the same mistake.

It is easy to be lured to simply sign up with the company that offers the lowest premium. However, if you fail to read further into the services they are offering, you might realize that you are not getting the same service and coverage that another company is offering for just a few dollars more. Unfortunately, many people do this everyday.

Instead of making this mistake, read the policy details line by line. Compare them against each other and then make an educated decision to determine which policy is indeed best for you.

Getting The Right Insurance For You

right-insuranceOne of the greatest things about today’s society is the excessive amount of options available to the consumer. It is quite possible to find what you are looking for on a given day based on your needs. And, because we as consumers have varying expectations, those in the retail industry are smart and offer us many choices to better meet everyone’s needs. This principle applies wholeheartedly to car insurance.

The right car insurance is different for everyone. It varies by State, City, personal driving record, vehicles on your policy. Someone with two trucks in Lincoln City, Nebraska will have completely different concerns than someone with one car in New York City. Although the state mandates a specific requirement, you may prefer more coverage to better protect yourself and your vehicle. Typically the state’s minimum requirement is liability insurance, which only protects harm you might cause others in an accident. This type of coverage is often suitable for older vehicles. However, for a newer vehicle, it is often nice to know that your car is protected in an accident as well. This type of protection is called collision coverage.

Additionally, you will also have the option of choosing the amount of deductible that you want to pay in case of an accident. And, you can pay for other options such as uninsured motorist coverage, theft, etc. Talk to an agent today and discuss your car insurance needs.

How To Find The Best Car Insurance, And The Best Price

best-car-insurance-best-priceYou do not need to be a genius to get good car insurance at a decent price. However, you do need to be a savvy shopper. For some, those shopping skills are more natural. For, others, it is a learned trait. Here are some helpful suggestions to aid you as you shop for car insurance.

First, when it comes to car insurance, there are many different types of coverage available to choose from. You may want everything the insurance company has to offer and you may not. The best car insurance for you is the one that meets your needs. Before you begin searching for a policy, know exactly what you are looking for. That way, you will not end up paying for more services than you need.

Secondly, shop around. There is a good chance that the first company you talk with might not offer you the best deal. However, the second or third might. Shopping around will ensure that you get the best deal on your car insurance based on what you are looking for.

Take the time to shop around for the best plan and be smart about it. In the long run, you will be glad that you did.

Reasons To Get Your Kids Off Your Auto Insurance

kids-auto-insuranceWhen your child reaches driving age and acquires a permit, he or she becomes a liability and your insurance company will require having them added to your policy. Children are considered high risk liabilities as they are inexperienced and bold. Accidents involving young drivers far outweigh accidents involving older, more experienced drivers. This means your insurance will experience a rather strong price hike. You may get somewhat of a break from this hike if your child has excellent grades in high school or college, they can qualify for the ‘good student discount’.

Some insurance companies will require that your child stay on your insurance even if they go away to college, some will allow them to be removed if the school they are attending is over a hundred miles away. Insurance companies take into consideration the fact that students do come home for holidays and such and they will then have access to the family car, your insurance company will have its own policies that you will need to investigate. If this be the case, you may want to drop your child down to an occasional driver status, this should save you some of your premium.

If your child attains his or her own insurance, you will want to report this to your insurance company, especially if the child lives outside of the household, this should allow you to remove the child from your insurance.