Auto Insurance Articles

California has a history of micromanaging issues in the state through the use of the initiative process, which routes a limited amount of lawmaking power directly into the hands of voters. In 1988, voters in California decided that car insurance companies operating in the state would not be allowed to charge customers higher rates merely [...]

Most of us would like to believe that the premiums we pay for a car insurance policy are determined by things that are under our own control – things like the model of car we choose to purchase, how far from our jobs we live, and our own individual driving records. In the complex world [...]

Most American drivers do carry some form of car insurance, but in many cases individual citizens only purchase a policy at all because their state laws require it of them. As they have insurance, these individuals may feel that they are fully covered, but unfortunately, this can be far from the case. State laws usually [...]

In these tough economic times, it makes sense to avoid spending unnecessary money whenever possible. A state official in New Jersey has echoed this sentiment, specifically singling out insurance products as an area where careful shopping can make a world of difference. Tom Considine, who serves as Banking and Insurance Commissioner in the State of [...]

For many American Parents, the issue of paying for a college education for their young adults or teenagers occupies a great deal of their time and attention. Even before the college issue comes up, parents will have to confront another major expense: car insurance for their teenage or young driver. Younger drivers are the most [...]

According to the National Insurance Crime Bureau, New Year’s Day is more than the first day of the new year; it is also the day on which the most cars are stolen. Memorial Day is also a problematic day when it comes to the issue of cars being stolen. Why these two days? NICB data [...]

Many people retain fundamental misconceptions about car insurance despite having held policies for years or even decades. It is always best to clearly understand how your various insurance policies work. Here then, are several common misunderstandings about automobile insurance policies. Comprehensive Insurance Covers Everything Policies referred to as “comprehensive auto insurance” do cover a greater [...]

In the United States, car insurance regulations can vary hugely from state to state, with some states implementing a system known as “no fault” auto insurance. Such is the case in Michigan, but lawmakers there are currently considering possible changes to the nature of the system. These changes are opposed by a coalition of concerned [...]

For those drivers who do not use their car very much, then mileage-based insurance could prove to be a way of making savings. The question “What if I don’t drive my car very much?”, which thousands of car insurance customers could very well ask, raises a valid point. When auto insurance rates are strictly predicated [...]

In California, concerned citizens are allowed to create proposals that will amend state law. These proposals, called initiatives, are placed on the ballot for the voting public to decide assuming they qualify for ballot status. The “continuous coverage” discount that California car insurance companies are awarding some customers is currently the subject of a ballot [...]

For many years it has been true that customers who want a better deal on their car insurance and homeowners insurance can get one through the practice of bundling, or buying both policies from the same company in one money-saving combination package. This is still true in North Carolina, but in that state, some insurance [...]

Some terms used in the car insurance industry are self-explanatory, but some can be confusing, particularly to those who are not familiar with insurance in general. For many people, the phrase “Act of God” falls into the latter category. Some consumers who hear the term may think first of extraordinary events such as the Biblical [...]

Most people are aware that there are a wide variety of factors that affect the price they must pay for car insurance. Such factors can include the driving record of an individual, including any moving violations they have committed and any accidents that have been deemed the individuals fault; the general rate of injury accidents [...]

When it comes to purchasing financial protection policies such as car insurance and homeowners insurance, many experts recommend that you get quotes from at least five different companies. This can be difficult if you are securing quotes the old fashioned way, which means either hauling out the phone book or grabbing your car keys to [...]

City commissioners of Aventura, Florida are currently promoting the idea that the red light cameras installed in key locations in the city should be leading to lower auto insurance rates for city residents. Insurance industry analysts, however, maintain that the calculation of rates is a complex matter that cannot always take into account local variables [...]

Driving without a license can lead to drastically higher auto insurance premiums, but thanks to a new law signed into law in California, such drivers will be given a slight break when it comes to enforcement of the law. Sobriety Checkpoints and Unlicensed Drivers California, like many states in the nation, runs a comprehensive system [...]

It is true that each year when deer hunting season rolls around, residents of some states see a marked increase in the incidence of automobile accidents involving these large forest animals. Contrary to popular belief, not all deer-related accidents are actually collisions with deer. Sometimes, an accident results when a driver radically swerves to miss [...]

In tough economic times, people are out to conserve every dollar they can. With insurance, as with everything else, there are both good and bad ways to reduce policy costs. One of the worst things consumers can do is decide to cut back on their insurance policies, possibly even going without them. Though this is [...]

In 2008, Michigan voters enacted a medical marijuana law for their state, but they didn’t intend that insurance companies would be forced to foot the bill for the medical marijuana treatment being undergone by a Michigan resident. The voter-enacted law itself purported to take care of this matter by expressly prohibiting health insurance coverage from [...]

An auto insurance measure may appear on the Massachusetts state ballot in the near future. At issue is the basic question of whether socioeconomic factors can be included when insurance companies set rates for individuals. Drivers are currently classified by such factors as driving record and age, but there is concern in the state that [...]

Some products are known to operate in “inelastic” markets, meaning that people will usually purchase the product or service without going to much effort to comparison shop in search of the best possible deal. Urgent medical care falls into this category since few people will put off a necessary surgery, for example, in order to [...]

Drunk driving is not only a serious danger to yourself and those around you, it also can cost you thousands of dollars in legal fees, fines, and increased auto insurance rates. After you are done with the long and arduous court process you must then deal with having a record that is tainted by your [...]

Automotive insurance premiums are particularly complex for someone who is new to the field. Insurance is a complicated process and premiums are specific for individual circumstances. Your driving record as well as credit history has an impact on the amount you will pay per month. Risk assessment by automotive insurers is used to determine the [...]

We all need auto insurance, it is the law. But the news and opinions of others, say that more and more people are driving uninsured. Well this is a great concern to us and our families. If this does not concern or bother you it really should. The Problem is not always the uninsured. Why? [...]

The reality is we all need Insurance. This is not a statement nor an announcement, but a simple fact, if we want to be law abiding citizens and insure our selves and/or our families well being. We all need insurance. There are so many different types of insurance; auto, home, health, life and more. It [...]