6

It’s illegal to drive without insurance—so why do people still do it?

Auto insurance isn’t just required by law in most states; it’s something every smart driver should have—and at the right coverage amount, too. So how does almost 13 percent of the U.S. population drive around every day without owning an insurance policy?

Why don’t people buy car insurance?
Below are some of the most common reasons people who need auto insurance decide not to buy it or buy too little—ultimately leaving them underinsured.

1. It’s expensive
When times are good for the middle class, budgets aren’t as tight. There’s an observable, direct relationship between the number of uninsured motorists and the strength of the U.S. economy. The prosperous economy of the mid-2000s caused a drop in the number of uninsured motorists. But since the 2008 recession, there has been a steady increase in the number of uninsured drivers.

Americans spend an average of $1,099 a year on auto insurance, according to The National Association of Insurance Commissioners. When you add that to the average annual cost of living, things like housing, food, and utilities begin to take priority over car insurance. This reshuffling of priorities leads many to risk the penalties of driving without insurance in order to save money.

But if you’re struggling to choose between buying car insurance and making rent, you’ll be happy to know that some state governments, like California, New Jersey, and Hawaii, offer their low-income-residents cheaper car insurance premiums.

Drivers should also keep in mind the state minimum insurance requirements and minimum liability insurance limits for their states. It’s better to be informed than to find yourself paying a $25 to $5,000 ticket, undergoing a license suspension, or even facing jail time.

New Hampshire is the only state which doesn’t require residents to have car insurance. But uninsured drivers should remember—your decision to save money by not buying insurance could cost you a hefty price if you get into an accident.

We can help you find the best insurance premium for you and your car. Sign up for alerts for any discounts for which you qualify and make sure you meet your state’s minimum insurance requirements!

2. It takes too much time
The misconception that finding a good insurance premium is a long and taxing process is fueled by the lack of transparency within the car insurance industry online and over the phone.

Drivers find it uncomfortable to give away private information online or to an agent, and often get overwhelmed by the abundance of insurance premiums they see.

This frustration pushes consumers to choose policies quickly, without making sure their premium fits their profile and needs, just so they can be done with the process.

But the process doesn’t have to be that difficult. Quote comparison sites, like Us, allow drivers to customize and compare vehicle insurance policies and purchase a policy online in minutes via chat, email, or telephone.

3. Lack of trust
Drivers don’t buy insurance to be wowed; they purchase it to protect and secure their finances and assets. So when agents are busy trying to sell premiums that don’t necessarily fit their customers’ bill, customers may feel unheard and underserved. This lack of trust makes the process of buying insurance coverage unpleasant and unattractive.

We helps customers make sure their needs are being met by only displaying results that fit into customers’ budgets and their specific needs.

4. Complicated jargon
Liability coverage, bodily injury, property damage, comprehensive, collision: sometimes the fine-print distinctions are as frustrating as a long line at the DMV. It’s enough to make you want to never get in a car again.

Many consumers simply don’t have confidence in a product they don’t understand. Insurance policies, whether for life, home, or auto, are intangible products with their own sets of riders, terms, and exceptions. Plans are even more confusing if there’s little contact between customers and agents.

When consumers are confused and feel like they’re not being helped or benefitting from the insurance, they don’t see the point in keeping the policy. After all, why spend money every month for something you’re not actively using?

But finding the right insurance, and staying insured, is a much better alternative to taking your chances and ending up in a situation where you’re liable for thousands of dollars of damage you can’t afford.

Through us, you can find an auto insurance policy that meets your needs without making you pay an inordinate amount of money for a plan you don’t need.

Click below to read through our comprehensive “Car Insurance 101” guides:

Car Insurance Calculator

How Much Car Insurance Do I Really Need?

Types of Car Insurance

What is Property and Casualty Insurance?

5. Invincibility complex
Nobody wants to think about getting into a car accident. But all motorists, not just high-risk drivers, need to prepare for the worst to protect themselves, their savings, and their assets.

There is an average of 5.25 million car accidents in the United States every year. One of those accidents could likely involve you and your motor vehicle. And if you or the other driver don’t carry insurance or have uninsured motorist coverage, such an accident could lead to serious debt.

Many drivers are unaware that they’re underinsured until it’s too late, and as a result, face piling debt from medical bills and repair costs. It’s essential to find an insurance provider that covers all of your needs before you need them.

In fact, if you get caught driving under the influence, driving recklessly, or driving without insurance, chances are you’ll lose your driving privileges and the state will require you to file an SR-22 or FR-44—proof of financial responsibility or proof of insurance. This hard to secure after the charges show up on your record, and insurance companies usually drive up the prices. Check ouat

What are the penalties for driving without insurance?
Driving without insurance could mean you’re actively violating car insurance laws in your state. While most states give out hefty fines to uninsured vehicles, fourteen states go a step further and hand out misdemeanor charges. Other states, like New York, may even hand out jail time.

Not to mention this all goes on your driving record—which would drive up your insurance rates in the future.

So, save yourself the time, money, and embarrassment, and compare auto insurance quotes with us to make sure you’re covered!

Tanveen Vohra

5

Car problems can inspire some massive headaches. Trust us; we’ve been there.

And the kinds of issues that require a mechanic’s expertise can be irritating, if not downright debilitating. Besides the unexpected expense—which can often be exorbitant—being without your car can throw a major wrench in your daily routine.

Wouldn’t it be nice to have car insurance that functions the way health insurance does? The peace of mind that comes from knowing that you’re protected in case the worst happens is part of why insurance exists. But a car breakdown or other kind of mechanical problem isn’t typically covered in your standard auto insurance policy. To protect yourself from unanticipated car trouble, you’ll need something called mechanical breakdown insurance, or MBI.

Is mechanical breakdown insurance worth it?
While MBI might sound like an attempt for insurance companies to bilk you out of more money, it’s a legitimate service that can come in handy for some people.

MBI covers a lot of the same issues that an extended warranty does, but often with less hassle. If you’re shopping around for a new car, it may make more financial sense for you to forgo the extended warranty and set up MBI coverage instead. This is because you’ll need to pay either an additional lump sum upfront at the time of your car purchase or apply it to your auto loan. Depending on your loan’s interest rate, you may find that paying your monthly insurance premium is less costly than paying off a big loan.

Unlike an extended car warranty, MBI also gives you the freedom to choose where you have your vehicle serviced.

So…what does mechanical breakdown insurance cover?
One major caveat of mechanical breakdown insurance is that it doesn’t cover routine maintenance. This includes oil changes, tune-ups, brake pads, air conditioning, alignment, and air filter changes.

It also doesn’t cover any issues related to normal wear and tear, or intentional car damages. (Your regular auto insurance policy will step in for things like vandalism.) Instead, MBI is intended to reduce some of the sticker shock of surprise car trouble, including problems relating the transmission, steering mechanisms, cooling system, and other costly repairs. Some higher-end MBI policies also cover things like stereo or entertainment malfunctions and even hardware damage. Some policies even include rental car coverage, ensuring you get back on the road as quickly as possible. Looking for more perks? Your MBI policy not only covers damage—it might even provide roadside assistance and towing, too.

Which insurance companies offer mechanical breakdown insurance?
MBI coverage isn’t as common as other types of insurance coverage, so finding a company that offers it can be tricky. Many of the large, well-known companies don’t offer MBI, with the exception of GEICO. Other companies, such as Progressive, do offer MBI but underwrite it via a third party. Mercury Insurance, 21st Century, and The Hartford are a few of the smaller companies that offer this service.

Keep in mind that most companies have fairly stringent guidelines for issuing coverage. GEICO, for example, requires that your car be less than 15 months old and have fewer than 15,000 miles on it when you apply for an MBI policy. Most companies have similar rules in place.

lets you compare quotes from top national and regional providers, whether or not you’re looking for mechanical breakdown coverage. Once you’ve gotten your quote list, use our Tailored Features and Reviews tab within each bindable quote listing. Research or contact the insurance provider with the best deal to see if they’ll provide MBI in addition to your new, ready-to-buy policy quote.

How much does mechanical breakdown insurance cost?
Insurance companies can be a bit cagey about publishing their MBI rates, especially since they can fluctuate quite a bit based on the kind of car you drive and your driving record. Insurers typically advertise MBI plans as add-ons to your auto insurance policy, as well as a cheaper alternative to an extended warranty.

Typically, mechanical breakdown insurance has a fairly low deductible—often around $250 or so. As a refresher, a car insurance deductible is a maximum amount you’ll need to pay for out of pocket.

Do you need mechanical breakdown insurance?
Unlike auto insurance, it’s not legally required to carry mechanical breakdown insurance. Only you can decide if this type of insurance policy is appropriate for you. If you’ve ever been burned by an unpleasant surprise at the mechanic, you can likely understand the value that an MBI policy might offer you.

On the other hand, if you’ve got a lot of disposable income or won’t be financially derailed by car repairs, you can probably safely skip this type of coverage. Ultimately, the choice to get mechanical breakdown insurance is entirely yours!

And don’t forget to use Our Site to get a free quote on car insurance. Heck, get anywhere from six to 20 quotes, and start comparing and saving on your own terms. We’re giving them out for free, after all!

4

The dissolution of a marriage can be a stressful ordeal, especially when splitting assets and fighting over who gets the house and who pays the alimony.

While sorting through your family’s car insurance is probably the last thing on your mind, it’s a good idea to get a head start and separate your policies.

(And although finding a new insurance policy can be difficult, you can always use us to find and compare free quotes.)

If you’re doing a trial separation
Suppose you and your spouse decide to do a trial separation where one of you moves out of the house. In this case, you’ll have to contact your current insurance carrier and update them with the vehicle’s new garage address and your new commute distance.

If you’ve decided to get a divorce
If you and your partner decide to get a divorce, you will have to begin the process of separating your car insurance policies. While doing so, consider the following:

Either you or your ex-spouse has to get a new policy: This could depend on several factors, but it might be easier for the policyholder to apply for the removal of the primary insured person (the person listed on the policy). The insured is then legally required to give written consent that they understand they’re being removed. If you’re the person who is being removed from the policy, you should have another policy lined up to start right before your current policy ends to ensure there are no lapses in your insurance coverage.
Premiums change depending on where you move: If one of you is moving to another city or state, you might have to consider factors that could impact your insurance premium. Usually, bigger cities have higher crime rates that increase the risk of auto theft and damage, which could increase your premium. Moving to a rural area will typically have the opposite effect. In the same way, if the area you’re moving to is more prone to natural disasters than where you were living before, you may have to pay slightly higher. States also have different insurance requirements for minimum coverage, which you’ll also have to keep in mind when shopping for a new policy. Use an insurance comparison website like Us to make sure your new policy fits your needs and budget while satisfying minimum state requirements.
Make sure your name is on your vehicle title: You need to be on the title of the vehicle you’re insuring. So before removing your ex-spouse or yourself from your auto insurance policy, make sure only your name is on the title of the vehicle you intend to drive.
Buying a new car insurance policy
Usually, insurance providers give discounts to married couples or offer one for multi-car discounts if you and your partner insure your cars under the same policy. So chances are you might have to pay higher insurance rates after the divorce. Then again, if your spouse had a poor driving record with multiple DUIs or at-fault car accidents, while your driving history was mostly clean, you may get to pay less than you did before.

We ran insurance quotes on Our Site , which gives you free quotes for your profile, for a sample driver. The quotes are for a 40-year-old female in St. Augustine, Florida, who drives a 2016 Honda Accord and recently got a divorce. Below are the quotes from when she applied for car insurance with her partner and when she applied by herself after their divorce.

Insurance Company “Married” Quote (Two drivers) “Divorced” Quote (One driver) Percent Change
Travelers $138/month $89/month -35.5%
Elephant $130/month $102/month -21.5%
SafeAuto $170/month $113/month -33.5%
National General $178/month $121/month -32%
Direct Auto $190/month $134/month -29.5%
GAINSCO $195/month $136/month -30.3%
Mercury $263/month $140/month -46.8%
Bristol West $56/month $158/month +182%
The General $221/month $161/month -27%
Dairyland $247/month $185/month -25%

Whether you’re the person staying on the existing policy, or you’re the person who’s being removed, you should shop around for a new policy and make sure you’re getting all the discounts for which you’re eligible. Keep in mind the following when you’re buying your new car insurance policy:

Your new insurance rate will reflect only your driving record: Since both you and your former spouse will now have separate coverage, your new insurance rate will reflect only your driving history and the car you own. So if you’re keeping the station wagon and your ex-spouse is taking the sports car, you might have to pay lower rates than them. In most states, except Hawaii, California, and Massachusetts, insurance companies also consider your credit history when calculating your quotes. If your credit score is better than your former spouse’s, you may get a lower deal.
You could get a discount if you bundle your insurance policies: Insurance companies usually give out discounts when you bundle your auto insurance along with any other insurance policies you need, such as renters insurance or homeowners insurance. Whether you’re staying in the home you and your former partner shared, or you’re the one who’s moving out, it makes sense to bundle your home insurance with your auto insurance. You can do so on our Site, where you can compare free quotes for your insurance needs and find out what discounts for which you may be eligible.
You should add your driving-age kids to your insurance policy: If you and your ex-spouse have driving-age kids, they will need to be on either you or your ex-spouse’s insurance, since premiums for independent teen drivers are much more expensive. You should add your child to the insurance policy that covers the car they drive. If your child drives both you and your ex-spouse’s cars, add them to both insurance policies.
Divorce can get messy, and you might not have the time and energy to sort through the specifics of car insurance policies. Nevertheless, it’s important to separate your insurance from that of your former spouse and make sure you are no longer liable for their driving record.

Shopping around for a new policy can seem like a daunting, time-consuming task, but it doesn’t have to be. Use Us to find and compare the best and cheapest insurance quotes, whether you’re actively due for a new plan or just curious about ways to save. It’s fast, easy, and secure!

3

Car theft. It’s something you think will never happen to you…until it does.

Unfortunately, car theft is all too common in the United States, with a car stolen every 26.4 seconds according to the FBI. And the odds of experiencing car theft are even higher if you live in a busy urban area.

Luckily, you have options. With the right car insurance, you can recover from the financial loss that comes with car theft.

And remember: we has the tools you need to weigh your options and compare quotes so that you can make empowered decisions about your car insurance.

Your car has been stolen. Now what?
You walk out to your parking space and find it empty. Your car is gone—and your first instinct is probably to panic. This is completely understandable. But the first thing you should do is take a deep breath and spring into action.

Once you are sure your car has been stolen (and not towed), the first thing to do is call the police. The sooner you call them, the better your chances are of recovering your stolen vehicle. You’ll want to file a police report and outline the basic details of your car: the make and model, the license plate number, where you were parked, and any other relevant information.

Then, it’s time to reach out to your car insurance company. Depending on the type of coverage you have, you could receive a payout equal to the value of your vehicle.

Does your car insurance cover theft? It depends.
Keeping track of the different types of car insurance can make your head spin. A straightforward way to think of car insurance is in terms of collision coverage versus comprehensive coverage.

As the name suggests, collision insurance covers car accidents. Meanwhile, comprehensive insurance covers just about everything else, like weather-related damage, vandalism and, of course, auto theft.

Comprehensive car insurance isn’t required. Liability insurance is what almost all drivers have, and it’s not enough to cover your car in the case of theft. Because comprehensive insurance is an optional form of additional coverage, you’ll want to reach out to your provider and double-check if you have it. If you have a new vehicle or if you live in an area where car theft is common, it’s probably a good idea to look into comprehensive coverage.

Additionally, comprehensive coverage will cover damage to your car during the theft, such as broken windows or broken door locks.

So, how does the claims process work?
Once you file an insurance claim, you’ll have to wait a bit before receiving a payout. First, your insurance company will inspect the situation to make sure your car was stolen. If everything checks out, your insurance provider will calculate the actual cash value (ACV) of your car. To do so, it will take into account the original cost of your vehicle and the general wear and tear it has taken on.

After a waiting period of a few weeks, your car insurance company will reimburse you based on the ACV they’ve calculated (minus your deductible). Feel free to negotiate with your insurance company if you feel the ACV they’ve calculated is too low. After all, an adjuster will typically start on the low end when calculating ACVs.

Does car insurance cover theft of personal items?
What if your car is still in its original parking spot—but some pricey items that were inside the vehicle are missing? Laptops, cell phones, purses, and other personal property are commonly stolen from cars, but unfortunately, comprehensive coverage doesn’t cover these stolen items. Instead, homeowners insurance or renters insurance might protect you from these unfortunate situations.

If your car was damaged during this break-in, you can file a claim. Broken windows and broken locks that might lead up to vehicle theft can be covered by comprehensive coverage.

What are some other factors to keep in mind?
With the rise of keyless vehicles, more drivers are leaving their key fobs in their cars. This phenomenon is leading to an increase in car thefts with keys still in the car, which can make the claims process trickier. Check your insurance policy or talk to an insurance agent—but know that in most cases comprehensive auto insurance covers losses even if you left a key or fob in the car.

If your car is stolen, you may need to rent a car for a few weeks as you wait for your claim or your vehicle recovery. You’ll likely be given a claim limit to help cover the costs of a rental vehicle. If your original car is deemed a total loss, you will only have a certain amount of time to use a rental car. Eventually, you’ll need to find a replacement car.

What happens if your car is recovered?
If you promptly called the police after your car was stolen, there’s a possibility your car will be recovered. If this is the case, you can get the stolen car assessed after its recovery. If the vehicle has incurred damage since its theft, you could be reimbursed for these repair costs if you have comprehensive coverage. If there is so much damage, the car might be considered a total loss, and you’ll be awarded the ACV of the vehicle.

If your car is recovered after receiving your claim, you may have to give up your claim…or your vehicle. Be sure to have this conversation with your auto insurance company.

we helps you find the right auto insurance for whatever comes your way. Finding the insurance coverage that meets your needs can be complicated—but we makes the process easy by helping you quickly compare your options and choose what policy works for you.

2

Coverage Options Provided by Root Car Insurance
Root’s coverage options should satisfy the needs of the average low-risk driver. Virtually every coverage option Root offers (besides the always-mandatory liability coverage!) remains optional. This means that drivers on the hunt for low rates can easily get a state minimum quote for their state’s minimum liability coverage limits.

Insurance coverages included on every Root car insurance policy appear in bold.

Liability coverage
Bodily injury liability
Property damage liability
Collision coverage (optional)
Comprehensive coverage (optional)
Medical payments coverage (optional; required by law in some states)
Personal Injury Protection (PIP) (optional; required by law in some states)
Rental coverage (optional)
Lyft credits (expand on this)
Roadside assistance
Uninsured motorist coverage (optional)
Uninsured motorist property damage (UMPD) (required by law in some states)
Uninsured and underinsured motorist bodily injury (UMBI/UIMBI)
Root is like almost all other standard or standard-preferred car insurance providers in that it offers “full coverage” car insurance. “Full coverage” car insurance is not an official industry term, but commonly refers to liability coverage + collision + comprehensive.

Root Car Insurance Quotes for 2019
Root offers users a unique quote based on their driving habits, and the “test drive” it requires is more of a marathon than a sprint. The instructions of the driving test are simple: drive as you would on any given day, for two to three weeks…as long as you have your phone on you!

If it all sounds a little scary, Root assures that your monitored driving practices, if they’re safe, will lead to lower insurance rates.

Keep in mind that if Root decides you’re too high-risk of a driver to insure, you won’t qualify to get a quote.

Consider the Insurify quote list for the following driver: a single, 29 year old female living in Houston, Texas; driving a 2011 Honda Accord; using her car only for pleasure driving; having a clean driving record; having good credit; opting for state minimum liability coverage.

Here are the real, bindable car insurance quotes this driver would receive on Insurify:

Insurance Company Monthly Quote
Mercury $91/month
Kemper $95/month
SafeAuto $105/month
Liberty Mutual $114/month
GAINSCO $124/month
Alinsco $137/month
Dairyland $137/month
Hallmark $175/month
The General $219/month

These are pretty good rates! And this is the type of low-risk driver that Root would probably love to insure. So, can low-mileage or low-risk drivers save money with Root? They should be able to, by Root’s admission. It’s up to this driver if she wants to take the driving test, prove her safe driving practices, and secure a quote with Root.

This driver can also compare Root’s car insurance rates with those she’d receive from State Farm, GEICO, Progressive, and Allstate.

وصفات مطبخ للعائلة والأصدقاء

This car insurance company uses advanced tech to analyze your driving behavior. So can it secure lower insurance rates and improve your driving habits, too?





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Root is an unconventional auto insurance provider that uses telematics and artificial intelligence to set drivers’ insurance rates. Root doesn’t merely rely on personal information and driving records to determine how much a policyholder will pay. Instead, Root requires users to complete a test drive, which will largely determine the users’ base insurance rates. This business model focuses more on “how you drive” in an insurance landscape that seems to put more emphasis on “who you are.”

 

As of this writing, Root operates in the following states: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Virginia.

The Root Insurance Co. website reports that the company’s coverage will soon extend to Alabama, Alaska, Hawaii, Massachusetts, New Hampshire, North Carolina, Washington, West Virginia, and the District of Columbia. It has plans to operate in all 50 states soon.

How Does Root Car Insurance Work?
The most important, and indeed unique, feature of your car insurance experience with Root is the test drive. Through telematics, Root can analyze each driver’s behavior behind the wheel, all thanks to one handy mobile app. That’s how Root calculates your quote. First, Root collects standard personal information like who you are and where you live. Then, the Root app uses telematics data on your driving behavior over a span of a few weeks to assess your risk profile and charge your premiums accordingly.

According to Root’s website,

Braking, speed, turns, times of day, miles driven, and driving routes are all considered when calculating your quote.

By this logic, safe drivers should ace the test and see lower rates as a result, right? That’s the idea that Root is built on. Root contends that this data-driven approach gives drivers “the rate [they] actually deserve.”

Joyriders and frequent speeders, take note! Root says that it won’t insure high-risk drivers. With a smaller pool of dangerous drivers on Root’s dime, it’s less likely that Root will have to pay out insurance claims. Insurance companies make a profit when they charge in premiums than they pay out in claims. As a result, Root claims it can secure good drivers up to 52 percent a year on their insurance premiums.

Using the Root app as a new user
Root’s distinguishing feature is its smartphone app, which is central to its business model. The Root app, which is available on iOS or Android, is the central hub through which Root’s telematics technology works. Through the app, users can also access their insurance ID card, manage their policy, submit claims, and complete payments.

Prospective policyholders can download the Root mobile app to get an idea of how managing a Root policy works. When you first sign up for the Root app, you’ll find a welcome screen that eventually leads to an “under one minute” signup process.

The app will ask for some personal information (your name, where you live, your driver’s license number, and your car’s VIN), but a handy disclaimer at the bottom of your screen will assure you that your information is 100 percent secure. (Note that you’ll still have to provide your mailing address—all of this comes before securing a quote or taking that driving test.) The official Root website assures users that the app only requires a “47 second signup” before you hit the road to take the driver’s test.

Root’s app interface is admittedly very user-friendly. With its clean aesthetics, logical progression of steps, and cheerful messaging, new users can feel secure in knowing that Root is a legit organization.

You can also start the quoting process online on Root’s official website.

But before taking a test drive and getting a car insurance quote from Root, you’ll probably want to figure out just what you’re signing up for.

عاجل بالفيديو : صدام حسين ضهر اليوم بالعراق وهو حي يرزق ! لن تصدق !!

7 TIPS FOR SAVING MONEY ON CAR INSURANCE : For many of us, purchasing car insurance can be a stressful experience due to our lack of knowledge in regards to insurance itself. It can be a




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complicated process, but if you educate yourself on your options, it doesn’t have to be. There are many small and big ways to save money on our car insurance out there that not everyone knows about.

Angela Gaspar, an assistant office manager at A to Z Insurance is a huge proponent of educating yourself on your insurance before you decide on a coverage plan.

“If you don’t educate yourself, you’re only throwing money away,” Gaspar siad.

HERE ARE SOME STEPS THAT WILL HELP SAVE YOU MONEY ON CAR INSURANCE IN THE SHORT AND LONG RUN:

  • If you are a first-time insurance buyer, and if you are able to be on your parents insurance for at least six months before purchasing your own (you would have to be 26 or younger), that is the best option. This is advantageous, for it will help you with your insurance score and history.
  • When purchasing insurance, age makes a huge difference.
  • When providing you a quote for your car insurance, insurance companies take in account a few things. These things include your credit score, your insurance score, driving history, and insurance history.
  • Keep your policy. If you are thinking about dropping your policy, think again. If you keep building up on a standard policy, this will help save you money in the long run. Especially stray away from cancelling your insurance if you’re only planning to cancel it for a short time. This can be detrimental.
  • Go paperless. This will save you some money upfront, and it’s environmentally conscious, so it’s a win-win for everyone.
  • Take a Defensive Driving Course. The course only costs $14 and it is fully online. The course itself only lasts six hours (that you can complete on your own schedule), but the cost benefits will last you three years.
  • If you also have homeowner insurance, this will also help save you money on car insurance.As you are purchasing car insurance another important thing to be cognisant of is what exactly you are being covered for. For example, you may be tempted to purchase the cheapest possible plan, but that plan might not include what you actually want.“The bare minimum doesn’t always cover what you need,” Gaspar said.Due to this, rethink what insurance plan you actually want and need. If you have a newer car, you want a higher plan. Another thing you should remember when purchasing your car insurance is that  when you’re looking at deductibles, you shouldn’t just take the cheapest option. If you take the cheapest deductible, you will be hurt even more when you get into a car accident, which is what insurance is for to begin with. If you get in a car accident with a low deductible, you will have to pay more money in the long run.Purchasing car insurance can be a tricky road to maneuver, but these tips and tricks will make it easier for you and bring you more savings.Checkout more tips and tricks on our site or click “Get A Quote” below to shop around!

TAGS :
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TAGS :
,assurance auto
,car insurance
,auto insurance
,cheap car insurance
,compare car insurance
,motor insurance
,car insurance online
,auto insurance companies
,the general car insurance
,get car insurance online

عاجل بالفيديو : صدام حسين ضهر اليوم بالعراق وهو حي يرزق ! لن تصدق !!

7 TIPS FOR SAVING MONEY ON CAR INSURANCE : For many of us, purchasing car insurance can be a stressful experience due to our lack of knowledge in regards to insurance itself. It can be a




إضغط هنا لتشاهد الفيديو !

complicated process, but if you educate yourself on your options, it doesn’t have to be. There are many small and big ways to save money on our car insurance out there that not everyone knows about.

Angela Gaspar, an assistant office manager at A to Z Insurance is a huge proponent of educating yourself on your insurance before you decide on a coverage plan.

“If you don’t educate yourself, you’re only throwing money away,” Gaspar siad.

HERE ARE SOME STEPS THAT WILL HELP SAVE YOU MONEY ON CAR INSURANCE IN THE SHORT AND LONG RUN:

  • If you are a first-time insurance buyer, and if you are able to be on your parents insurance for at least six months before purchasing your own (you would have to be 26 or younger), that is the best option. This is advantageous, for it will help you with your insurance score and history.
  • When purchasing insurance, age makes a huge difference.
  • When providing you a quote for your car insurance, insurance companies take in account a few things. These things include your credit score, your insurance score, driving history, and insurance history.
  • Keep your policy. If you are thinking about dropping your policy, think again. If you keep building up on a standard policy, this will help save you money in the long run. Especially stray away from cancelling your insurance if you’re only planning to cancel it for a short time. This can be detrimental.
  • Go paperless. This will save you some money upfront, and it’s environmentally conscious, so it’s a win-win for everyone.
  • Take a Defensive Driving Course. The course only costs $14 and it is fully online. The course itself only lasts six hours (that you can complete on your own schedule), but the cost benefits will last you three years.
  • If you also have homeowner insurance, this will also help save you money on car insurance.As you are purchasing car insurance another important thing to be cognisant of is what exactly you are being covered for. For example, you may be tempted to purchase the cheapest possible plan, but that plan might not include what you actually want.“The bare minimum doesn’t always cover what you need,” Gaspar said.Due to this, rethink what insurance plan you actually want and need. If you have a newer car, you want a higher plan. Another thing you should remember when purchasing your car insurance is that  when you’re looking at deductibles, you shouldn’t just take the cheapest option. If you take the cheapest deductible, you will be hurt even more when you get into a car accident, which is what insurance is for to begin with. If you get in a car accident with a low deductible, you will have to pay more money in the long run.Purchasing car insurance can be a tricky road to maneuver, but these tips and tricks will make it easier for you and bring you more savings.Checkout more tips and tricks on our site or click “Get A Quote” below to shop around!

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TAGS :
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عاجل بالفيديو : صدام حسين ضهر اليوم بالعراق وهو حي يرزق ! لن تصدق !! 6

Trump Administration Releases Proposed Short-Term Regulation




لا تغلق الصفحة ! إنتضر 20 ثانية وسيضر الفيديو !

This morning, CMS released a proposed regulation titled “Short Term Limited Duration Insurance”. This proposed regulation seeks to roll back Obama regulations around short-term insurance, extending the maximum duration of coverage to less than 12 months (364 days for example). Currently, the maximum duration is three months. CMS will accept comments on the proposed rule for 60 days. The new rule around short-term coverage would go into effect 60 days after the publication of the final rule – we estimate the effective date could be as early as July 1, 2018.TAGS :
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TAGS :
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عاجل بالفيديو : صدام حسين ضهر اليوم بالعراق وهو حي يرزق ! لن تصدق !! 5

From the perspective of an insurance agent I must say that this article had me a little flustered. I could go on for hours about the mistakes that people make when shopping for car insurance. Here are 5 of the BIGGEST mistakes people make when shopping for car insurance.




فقط إضغط هنا والأن سيضهر لك الفيديو !

1. RUSHING THE PROCESS Clients love to drive their cars but they hate doing all the paperwork and documentation necessary to drive legally! When shopping for car insurance, plan time for you and your agent to finish paperwork and for your insurance ID cards to be received. We all know how long a DMV trip can be and they definitely don’t do business online. Make sure you have enough time to get your vehicle, documents from your insurance company and to visit the dmv before it closes. piggy-bank-with-calculator-PFHKPD5.jpg 2. SHOPPING WITHOUT A BANK ACCOUNT Not only do some insurance companies offer discounts to those who pay using bank accounts but you’ll speed the process up of getting your insurance! Make sure to have a bank account setup, one that is financially in good standing and can make automatic payments. This will keep your rates low and you car insurance shopping stress lower. 3. TRYING TO INSURE A VEHICLE THAT YOU DO NOT OWN Imagine getting into an accident and realizing that you are not covered because you do not own the vehicle! Clients have tried to insure partners or family members before but we always suggest against it. Make sure the car is in your name when you insure it, otherwise you’ll be very upset when you’re liable for any accident that vehicle may have! 4. SHOPPING WITHOUT AN EMAIL Many companies give discounts for paperless billing. Set up an email account before you go to your insurance agent so that you can give them your email. This can save you up to 15% on your rates! The more you save the company, the more they save you. scales-PVLKVA9-min.jpg 5. NOT COMPARING RATES Independent insurance agencies compare rates across multiple companies. Why stick to one company when you can have an agency shop around for you? A to Z Insurance has a reputation of getting its clients the lowest rates around. That’s because we do the shopping for you. Don’t spend countless hours filling out quote forms, get a quote with A to Z Insurance and we’ll find the rate you’re looking for. Click below to Get A Quote.

TAGS :
,assurance auto
,car insurance
,auto insurance
,cheap car insurance
,compare car insurance
,motor insurance
,car insurance online
,auto insurance companies
,the general car insurance
,get car insurance online

TAGS :
,assurance auto
,car insurance
,auto insurance
,cheap car insurance
,compare car insurance
,motor insurance
,car insurance online
,auto insurance companies
,the general car insurance
,get car insurance online