Dec/100
Review Car Insurance Changes, Low Car Insurance Rates Are in the Offering
The New Year 2010 has just started and this is a good time to review car insurance changes which have been implemented in 2009 and which will help us in getting a low car insurance rates.
As of October 2009 seven states-California, Connecticut, New Jersey, New York, Oregon, Utah and Washington State-plus the District of Columbia, have banned the use of hand-held cell phones while driving. In Utah and Washington State this law does not fall under “primary enforcement” which would mean that in these states the motorist is not ticketed for using a hand-held cell phone.
As of October 2009 text messaging on cell phone is banned in 18 states and the District of Columbia. Utah law is one of the toughest where a person convicted of causing injury or fatal accident if the driver was multitasking and using a cell phone for text messaging can be put behind the bars. This strict enforcement would stop distracted driving which is one of the main causes of accidents. These changes would greatly reduce the risk of auto accidents and also help in ensuring that the consumers get a low auto insurance rate since the auto insurance expense is reduced at the insurers end.
Presently, many of the drivers in USA are driving cars without auto insurance coverage and as per the information 14% of the drivers are uninsured. At times like this, if you want to keep low auto insurance rates than you should review car insurance coverage. It would be advisable to take the uninsured auto insurance coverage or the under insured driver coverage. If you have this coverage, which will not cost you much, you can claim for any medical expense of car damage if the uninsured driver is solely responsible or at fault. Thus the auto insurance claims would not be counted and you will still be eligible for a low car insurance rate, even though you have received a claim.
There has been a top safety award, “top safety pick” given to 19 passenger cars and eight sport utility vehicles for the 2010 model year by the Virginia-based Insurance Institute for Highway Safety. These cars would protect you and the passengers in case of any accident. Insurance companies will certainly be giving the consumers a low car insurance rate for these cars.
Efforts are being made jointly by the State insurance department and also by the insurance companies to reduce the auto insurance frauds. Auto insurance frauds have been another reason for the high rise in the costs to the insurance companies. Once these can be reduced you can get a low car insurance premium since the insurance companies base their rates on the cost that they incur.
As we move on to the New Year 2010, we can look forward to further changes and with each change it would always be advisable to review car insurance coverage for your own policy to see if you can still get low car insurance rates. It will be a pleasure to keep you informed.
Jul/100
Philadelphia Car Insurance
Just like anywhere else, if you shop around for car insurance in Philadelphia, you could save an average of 481 every six months. The average six-month variation in Philadelphia is $595. The findings, according to Progressive Auto Insurance, focus on auto insurance rate variance – or the average spread between the highest and lowest six-month rates available for new policies. The rate information, in the case of Philadelphia, comes from public filings with Philadelphia’s Department of Insurance. What this basically means is that a Philadelphia could get a quote of $1,250 for a six-month policy from one insurance provider and a quote of $770 from another company for the exact same coverage.
In 2005, drivers across the country saw slightly lower costs in insurance with the average Philadelphia car insurance rates dropping about $268. It matters where you live. New York auto insurance dropped by 3.4% in 2005; yet, New York is one of two most expensive states for auto insurance. This is because of limited parking, more traffic, more car theft and more uninsured drivers. The other highest insurance premium state is Louisiana.
Also, like other states, other factors that Philadelphia car insurance companies take into consideration when offering you insurance is how many driving violations you have, the type of vehicle you drive, how many accidents you?ve been in, your credit rating, your occupation and your age. If Philadelphia drivers and all others know the discounts they could take advantage of they would save a lot of money. You should always shop around and research any policy before you buy it. You need to understand how you can reduce your rates through policy-related discounts (how old your car is, etc.), vehicle-related discounts (based on the model of the car you buy) and driver related discounts (age, driving record, etc.).