Factors That Determine Auto Insurance Rates Auto insurance rates are determined by multiple factors including coverage, driving experience, driving history, zip code, and the vehicle being insured. All of these variables and many more determine the premium on an auto insurance policy.The coverage available varies by limits and options of coverage. A few examples of this would be if a consumer were to purchase a liability only policy or...more
How to Not Misquote Auto Insurance When getting auto insurance quotes it is important to remember that the price that consumers are given is based upon the information begin provided to them. It is important that when getting quotes apples are being compared to apples. Many times consumers will get insurance quotes from many companies and then choose to go with the company that has the most competitive rate for the information that they...more
Get All the Available Auto Insurance Discounts When getting quotes on auto insurance policies it is important to make sure that all of the discounts available are being applied to the policy. There are many types of discounts available that can significantly reduce the premium on the policy. Some of these, for instance the good driver discount, can reduce the premium by as much as 20 percent in on California auto insurance policies.The discounts offered will vary from company to company and most insurance companies will combine discounts on policies to reduce the premium being charged. A few examples would be the good student discount, multi-policy and civil servant discounts. There are actually companies that are available that previously had exclusively written policies for civil servants, such as, firefighters, teachers, and police officers that now will write policies with all occupations but apply the discounts to these types of employees.The good student discount is one of the most important discounts that can be applied to the policy. Many times this discount is the largest reducing factor on a policy that has youthful operators or drivers with minimal license...more
Choosing an Auto Insurance Collision Deductible When choosing and auto insurance collision deductible it is important to compare the premium associated with the deductible that is selected. Many times the collision premium on a policy will be the largest contributing factor in the premium. This reigns true for youthful operators and drivers...more
When Auto Insurance Rental Car Coverage Is a Must Among the many options of coverage associated with auto insurance rental car coverage is one that the consumer should make an educated assessment of their personal situation to see if it is a wise choice of coverage. Many times it would not be recommended but in certain situations it is...more
California Full Coverage Auto Insurance In California many drivers on the road are under the impression that they have a full coverage insurance policy. This is not the case. There is no such thing as full coverage. All insurance policies that are sold in the state will have limits of coverage on them. When involved in an accident the insurance company will only pay up to the limits that were on the policy at the time of the loss. The insured will not be fully covered regardless of the amount of damages that are caused.In the past many times customers will ask for a full coverage insurance quote. Generally, they are referring to having coverage so that if the vehicle is stolen or is involved in an accident the insurance company will repair it or replace it. The appropriate term for this coverage is physical damage protection. This means that the policy has comprehensive and collision coverage.For policies that have physical damage coverage the insurance company will pay for repair or replacement of the vehicle up to the actual cash value of the vehicle unless otherwise stated on the policy. Many times consumers are in a position that they owe more on their vehicle than the...more
Auto Insurance Roadside Assistance Many auto insurance policies have the option of carrying roadside assistance coverage. Roadside assistance protection is designed to assist client immediately when they are in need of a tow truck, jump start,...more
Auto Actual Cash Value Coverage Whenever comprehensive and collision coverage is selected on a policy the vehicle is covered up to the actual cash value unless otherwise stated. Some policies are written as stated value such as commercial auto...more
Consumers Should Shop Auto Insurance Rates before Buying a Car Some vehicles can cost fifty percent more to insure. Rates can vary by year, make, model, and sub model. It will always be in a consumer's best interest to shop their auto...more
Will Traffic School Keep Auto Insurance Rates Down? Take the traffic school. One additional ticket on a driving record can make a significant increase in rates. In California, drivers are only generally offered the option to take traffic...more
How Much Auto Insurance Coverage Should Drivers Carry? For auto insurance, policy holders are only covered up to the financial limits that they purchase. Traditionally, clients are advised to review their assets when choosing coverage limits....more
Information On Insurance Related To Workers Compensation In Anderson, South Carolina Workers compensation is a form of insurance that provides medical assistance to an injured employee in exchange for the right to sue the employer for...more