Posted on January 6th, 2011
A collision with a deer involving two vehicles caused significant damage to a pickup truck and injured one of the drivers.
The accident occurred early in the morning on December 30 when a Ford Taurus clipped a deer on Highway 28/67 in Wisconsin. The impact sent the deer over the roof of the car and into the path of a Ford Ranger pickup.
The deer landed on the windshield, smashing the glass and the roof. The vehicle also sustained major damage within the cab. The driver of the pickup was taken to a nearby medical center for treatment.
An accident with an animal can cause heavy damage that may cost hundreds or even thousands of dollars to repair. To ensure that you are financially protected against the risk of damage from an animal accident or other non-collision event, consider including comprehensive insurance as part of your coverage.
Contact us today to begin your free auto insurance rate comparison to find affordable coverage rates being offered near you.
Posted on November 19th, 2010
Medical payments insurance is a type of insurance that covers injury costs if you or someone in your vehicle is injured in an accident where the other party has not been found at fault.
Although this type of coverage is not required, it may be the most beneficial for you and your family. Even the most minor accidents can cause injury that can cost thousands of dollars.
This type of coverage can prevent your family from being threatened by medical debt after an accident. This coverage also can cover you if you are injured while in an accident in a different vehicle or if you are injured after being struck by a vehicle while walking.
If you are searching to insure your motor vehicle or want to make sure that the rates you are paying are the best for you, contact us for an car insurance rate comparison.
Posted on November 12th, 2010
InsWeb, the leading car insurance comparison web site, has examined over 400 vehicle models to determine the cheapest cars to insure in 2010.
The number 10 car on the list is the Chevy Equinox followed by the Kia Optima.
Another Kia, the Sedona took the number one spot this year and the Mazda Mazda5 took the number two spot.
The Ford Explorer and Ford Escape were also on the list along with Chrysler PT Cruiser and the Hyundai Santa Fe. The largest factor that goes into determining how much a car costs to insure is the loss history or if the vehicle has been in multiple accidents that have had expensive claims.
If you are looking to compare auto insurance rates to find the best deal for you, contact us for a car insurance rate comparison today.
Posted on November 8th, 2010
According to the Fair Isaac Corporation and Fox Business company, around 95 percent of car insurance providers utilize credit reports.
”Insurers use credit-based insurance scores in a variety of ways. Some companies use it for ratemaking, some for underwriting, others do not use it at all,” said Vice President of the Insurance Information Institute Loretta L. Worters.
To give an example, State Farm uses FICO’s credit scores along with prospective customers’ numbers of open lines of credit, accounts in collection, and late payments when they determine a policy’s price. The majority of car insurance companies also include gender, age, location, driving record and marital status in deciding on premium rates.
If you or someone you know needs to purchase car insurance, contact Auto Insurance Rate Comparison to get an online car insurance rate comparison today.
Posted on October 28th, 2010
Driving without car insurance poses several legal and financial risks. While avoiding purchasing car insurance may seem like its saving you money in the short run, in the long run, car insurance will save
you both time and money.
If you are pulled over and caught driving without insurance your driver’s license will be suspended. In order to have your license reinstated you will have to pay a fee of around $100. Also, if you are caught driving while your license is suspended you will face further consequences.
In addition to having your license suspended, you will most likely have to pay a fine from anywhere between $500 and $1,000. Also, if you are in an accident and do not have car insurance, other drivers can, and most likely will, take legal action against you.
If you or someone you know needs to purchase car insurance, contact Auto Insurance Rate Comparison to get an online car insurance rate comparison today.
Posted on October 20th, 2010
When searching for an affordable auto insurance policy, it is important to understand how car insurance providers determine your premium. A premium is the basic cost a car insurance company charges you to purchase a policy and varies from person to person.
One important thing to know about your car insurance premium is that one of the major factors that car insurers take into account when charging you is your driving record. For every traffic offense or speeding ticket you have on your driving record, car insurance companies will consider you more risky. As a result, car insurance providers will charge you more for your premium the greater the number of violations you have on your record.
In addition, car insurance companies take into account your gender and your location. For years studies have shown men to be riskier drivers than men. For this reason, car insurance companies will often charge men more for their
car insurance premium. Furthermore, statistics have shown that accident rates rise the closer one gets to bigger cities. Urban areas have heavier traffic and people living there are more likely to be in an accident. As a result, people living in big cities will be charged more for their premium than people living in more rural areas.
If you or someone you know is considering purchasing car insurance, contact Auto Insurance Rate Comparison to get a free online car insurance rate comparison today.
Posted on October 13th, 2010
Tuesday, the Massachusetts Attorney General, Martha Coakley, announced that a $12.1 million settlement with five motorcycle insurance providers will be distributed to the thousands of motorcyclists across the state. Hanover Insurance Group, One Beacon Insurance, Arbella Mutual Insurance Company, National Grange Mutual and Norfolk & Dedham Group were charged with determining premiums using “inflated and un-depreciated” motorcycle values.
The suit says that over 100,000 policies are eligible to receive refunds and 18,500 will receive refunds of over $500. Coakley stated, “We begun our industry-wide investigation based off a single consumer complaint.
To date, that investigation has forced 12 insurance companies to return more than $33.8 million to Massachusetts motorcycle owners”.
If you think you are being overcharged for your motorcycle insurance, contact the motorcycle insurance agents of Auto Insurance Rate Comparison to get a free online rate comparison today.
Posted on October 7th, 2010
One of the major factors that car insurance companies consider when deciding your
car insurance premiums is your driving record. Driving records show your history of speeding tickets and other traffic violations. It is common practice for car insurance companies to increase premiums for drivers with more speeding and traffic violations, so it is important to know what to do if you have been issued a speeding ticket.
The simplest way to resolve any issues concerning a speeding ticket is to pay the fine either in court or by mail. In doing so you are admitting your guilt.
If you feel you are not guilty you can contest the ticket. If you contest the ticket and the court does not find significant evidence against you because an officer did not properly fill out paper work, etc. you may be able to have the ticket dismissed.
Lastly, you can ask a judge for approval to take either an online, video or classroom driving safety course. Taking a driving safety course will remove the violation from your record and insurance companies will not be able to charge you more for the ticket.
If you or someone you know is considering purchasing car insurance, contact the car insurance agents of Auto Insurance Rate Comparison to get an online quote today.
Posted on October 1st, 2010
Purchasing car or other vehicle insurance may seem like an expensive and difficult task. However, with Auto Insurance Rate Comparison that is not the case. Fortunately, most auto insurance companies offer a variety of common car insurance discounts that you may be eligible for.
For example, auto insurance providers offer discounts to drivers who drive less frequently. Driving less frequently means less wear and tear on your vehicle and a lower risk of being in an accident. For these reasons, if you often take public transportation or do not have to drive very frequently for whatever reason, you may be eligible for a discount.
In addition, if you have a teenage son or daughter who shows responsibility in high school or college you could be eligible for a discount. Car insurance providers recognize that young drivers who are responsible in one area of their life are more likely to be responsible drivers.
Car insurance providers also will provide discounts to drivers who avoid risky behavior. People who have a history of avoiding risky behavior are often less likely to
be risky drivers.
If you or someone you know needs to purchase affordable car insurance, contact Auto Insurance Rate Comparison to get a free online rate comparison today.
Posted on September 30th, 2010
An estimated 250,000 Americans drive motorcycles as their primary form of transporation.
Whether you drive a motorcycle as a primary vehicle or for the occasional joy ride, you are required by law to have some form of liability motorcycle insurance coverage. These are some examples of motorcycle insurance coverage:
Collision insurance protects motorcyclists in the case of damage done to their motorcycle in an accident. Collision coverage can cover the cost of any repairs needed as a result of damage caused in an accident.
Comprehensive insurance protects motorcyclists in the case of damage done to their motorcycle from something other than an accident. For example, if your motorcycle is vandalized or damaged from environmental causes like hail.
Uninsured/ under insured motorist coverage protects motorcyclists in the case of their motorcycle being damaged in an accident caused by a driver without auto insurance.
If you or someone you know is looking to purchase motorcycle insurance, contact the Auto Insurance Rate Comparison to get a free online quote today.