How Traffic Violations Really Affect Your Auto Insurance Rate

When applying for car insurance, one of the most important questions you’ll receive from the company is, “Have you had a violation in the past # of years?” For some companies, it may be five years and for others three, but no matter what, if you check “yes” next to that question, you are probably biting your nails in anticipation of what your car insurance quote will be.

Since many people don’t conduct comparison quotes to determine whether a violation has increased their rate or not, it’s hard to say whether it makes a huge difference. But some say,

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Tags: Insurance, Insurance Rate   Posted in Car Insurance Online

Understanding How The Price Of Car Insurance Is Figured

When you get car insurance one of the things you need to understand is that the price is figured using a system which is different for all insurance companies. The reason I want to tell you about this is because some people out there think that if insurance for your friend is one price then it will be the same for you because you are the same age. Trust me, insurance is very tricky and they go off many factors, some of which are unknown to the public.

The first thing you need to know is that your age plays a big part in the amount you will pay because studies show that the younger you are the more likely you are to get in an accident or something that might damage your car. Read more…

Tags: Car Insurance, Figured   Posted in Car Insurance Online

RAC: illegal faults on fleet vehicles soar

The number of fleet vehicles being driven with illegal faults (such as defective lights and tyres) has more than doubled in a year, according to estimates from RAC.

The Aviva subsidiary points out that aside from breaking the law regarding vehicle roadworthiness, negligence over faults increases the risk of companies being charged with corporate manslaughter.

In the first quarter of 2011, RAC fleet checks failed 36% of vehicles for tyre maintenance and 20% for faulty lights, with the failure rates up two-fold and four-fold respectively on the same period of 2010.

Furthermore, 37% of vehicles checked failed their inspection for under the bonnet fluid levels, an increase of 26% on last year.

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Tags: Fleet Vehicles, Illegal Faults, Vehicles   Posted in Car Insurance Online

Save money over the summer

The long summer break is looming – with at least six weeks freedom from school for the kids, but a headache for parents ahead. However, there are ways to make it less of a strain on your pocket whether you’re home or away.

For instance, think about how to save money when you’re on holiday. You’ve booked the flights and the accommodation. You’ve even bought the new swimsuit and the sunscreen. But have you taken out holiday insurance? As more people these days make their own travel arrangements these days rather than buying a packaged holiday, it’s all too easy to forget to buy cover.

Travel insurance isn’t expensive and it’s a false economy to attempt to do without it.

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Tags: Summer   Posted in Insurance Advice

Alabama House Approves Proposal for Coverage-Verification System

Lawmakers moved one step closer Thursday to establishing an electronic database that would help government entities verify whether motorists in the state have valid Alabama auto insurance policies.

State legislators want to set up the verification system in order to more easily identify uninsured drivers and, ultimately, temper the states high rate of drivers who lack proper insurance coverage.

Alabama has been estimated to have one of the highest uninsured-motorist rates in the nation. The Insurance Research Council estimated that in 2007 about 26 percent of drivers lacked a policy.

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Tags: Alabama, Alabama House   Posted in Car Insurance Online