Most Popular Auto Insurance News

1-Pay-as-you-drive plans prove to be beneficial for low-mileage drivers

For some drivers, such as Bill and Nancy payment, which consists of engine plans seem to be working than ever before to have a well since retired from the services to them. Chose a population of Oakland, California, Nancy Bell of the insurance policy on new cars that reward low-mileage drivers.When the co-payment, which consists of a drive plan that is provided by the State Farm policy, rather than the estimated miles, there will be a significant reduction in insurance premiums you pay. Thus, the less you drive below 19,000 miles per year, the more you save.Bell, aged between 63 states that this is a good way to save money while taking advantage of additional discounts that can be used to drive less. Go Bill, who lived in a suburb of Boston to Oakland after retirement. I felt that this plan has the additional feature offers an additional incentive, especially with high gas prices are very high. The Bill purchased the policy in the month of February.Linked in part of premiums to the actual number of miles driven, and in contrast to theestimated number of miles in this policy. Thus, any savings that arise as a result of less lead time will apply to future Premium 6 months.The programs of the State Farm in Illinois, California and Ohio and Texas. And offered to pay as you drive between plans Automobile Club of Southern California, earlier this year. There is a plan based on the use of insurance that is offered by Progressive in many countries. Other major currencies such as the Insurance Alliance of Northern California as well as insurance Allstate does not plan to make these offers in California this year, because they want to wait and watch to see if the concept works before delving into it.State Farm Payment Plan "You drive between the engine and the so-called safe-keeping, where motorists can report their miles either online or at any office of the agent prior to the renewal of this policy. Drivers with Saab and Saturn as well as General Motors cars equipped with OnStar technology where it is automatically updated on mileage State Farm. And any customer who meets the criteria for OnStar choose to self-determination in mileage.Bell also chose the option of self-reporting, but also Saturn has the oldest model does not have OnStar, she has already made some changes with regard to driving habits.Bell is now working hard to combine trips and reduce those whenever possible. Hopes to reduce the number of miles driven as well.
 

2-Teenage driving takes a hit due to the new rules

Although adolescents are waiting impatiently to get behind the wheel, according to the new rules could continue their wait a little longer. The new rules which came into force is the reason for parents to delay getting a driver's license for their children at the age of adolescence. The mother is to take some tough measures because each financial average household in the United States are currently paying about $ 3,100 each year in order to allow the young to drive, is pay $ 800 on average about auto insurance - such as in the poll conducted at the national level cooperative insurance company.Parents do not realize that there are sacrifices and adjustments that must be undertaken because of the economic crisis, in order to allow their children in their teens to drive, and the States, Larry Thursby, vice president, automotive products and pricing, and at the national level. Auto insurance seems to be what is most worrying for about 66% of parents and teenage mothers of the children and parents are concerned about the costs associated with teen drivers. About 41% of fathers take up the costs of driving at the age of adolescence, and this is forcing them to make reductions in other areas such as eating in restaurants, entertainment and family vacations, etc. All this is being done to allow the children teen to hit the road. Now one out of seven families and appears to delay the idea of ​​leaving their children at the age of adolescence the only drive to reduce the cost of auto insurance.According to a survey of at least 1/3rd of teenagers looking for work in order to pay the expenses of driving related. There are a few steps to reduce the costs of driving for a teenager such as:
* Will add a young driver to help the existing policy to take advantage of discounts that the father has ever happened. So that children can ride piggyback on the policies of parents who have a good driving record. Auto insurance companies to find a record of good leadership and this will help tremendously.
* It's a good idea to encourage adolescents to get good grades in school and auto insurance companies offer discounts to students who score well.
* Get your teenager to attend at the appropriate time for an accredited program. It will help to reduce premiums while maintaining your teenager safe on the roads as well.
* Pay higher premiums discounts on less feasi
* Shop around for the best policies and discounts avail. A cover that is appropriate and avoid those that do not need them. 

3-Auto Insurance Jargon Defined
In the view of many car owners insurance requirements on foreign cars, or very strange. Of course, no one expected that the average car will have a list of the Glossary in his pocket or in his car. Not everyone is supposed to be given to insurance agents and drivers of this lecture full insurance.Drivers will be young people, especially those who only received in the driving seat for the first time, you will not be able to deal with many insurance policies. The only thing we know is that they have a car and need insurance. They were more likely to be seen to agents confused when we ask them what kind of car insurance they need.Car insurance policies are contracts to buy the car owners to cover losses resulting from traffic accidents or theft. Normally composed of six types of coverage.Bodily injury liability coverage for injuries including the driver or policyholder cause to others. This includes medical bills and lost wages. This can be purchased to reduce the risk of losses when they will be sued the program for accident compensation in the future. Property damage liability, such as bodily injury is a good investment in case the driver is sued for damaging property. It covers the costs of repairs and replacement of vehicles and property and even the walls that were destroyed by mistake in the driver.Offers coverage of the collision with the costs of repair or replacement cost of the driver's own car. May be reduced premiums for such coverage with deductibles. And pay deductibles ranging from $ 100 to $ 1000 and by the insurance company pays the driver the remainder of the coverage.Medical payments, also known as MedPay, cover medical bills experienced by the driver and passengers because of an accident. It also covers medical expenses for the drivers of cars borrowed. This coverage cover the bills regardless of who caused the accident. Property protection, injury or PIP includes not only medical bills but lost wages, and psychosocial rehabilitation for the driver and passengers who were injured in a car accident. It also covers funeral expenses by this policy.Comprehensive coverage pays for loss or damage is not caused by a collision with another vehicle or property. It covers losses from theft and other situations such as fires, natural disasters and even riots.Uninsured driver coverage or ounce covers medical expenses incurred by the policyholder, either in a collision or accident in the hit-term cause him or her by the driver of the uninsured. Underinsured driver coverage or boats working a similar manner except that the driver who caused the accident is underinsured. And will cover the underinsured driver first application of the losses the insurance policy covering the victim's boats or rest. Or boats and covers claims for compensation for pain and suffering and even property.The requirements of the State Auto Insurance is different and it is very important to have the car owners and drivers are well educated about them. Should not only the feasibility of drivers of these policies because it is required by law but also because of the risks presented by the opening of roads and other cars.