There are many states where the cost of auto insurance can be quite expensive and sometimes unaffordable, but there can be ways to locate a policy that is within an individual’s budget even in the states with high costs for automobile coverage. Driving uninsured is never a good idea and shopping wisely and comparing effectively can help motorists stay on the road legally at a price they can afford.
Unfortunately for individuals who reside in states such as New York, Massachusetts, New Jersey, Florida and Louisiana usually end up paying the highest car insurance rates by state according to the NAIC and the motorists who live in the District of Columbia also suffer from inflated premiums. There are many factors that come into play that can affect the amount of policies such as traffic congestion, high amounts of coverage required by the state and crime rates.
In recent years, specific cities have also been hit by high rate increases. According to a press release from the state of Michigan regarding an auto insurance study and report it states, “The report compares 2006 auto premiums in Kalamazoo versus South Central Detroit from six Michigan auto insurers. Detroit's premiums ranged from 241% to 365% higher.”
Source
Tuesday, December 15, 2009
Saturday, November 28, 2009
Getting the Best Auto Insurance Rates
You need car insurance coverage to protect yourself and your family from injury. You also need auto insurance coverage to protect yourself financially from having to pay for any property damage if you have an accident. Almost all states will not allow you to register your car until have insurance. The State of California has a low cost auto insurance program.
Deciding on out how much auto insurance coverage you need will be based on the minimum amount of auto insurance you can have in your state, how much insurance coverage you feel comfortable having, and how much you can afford.
When you compare types of insurance coverage, be sure you’re comparing apples to apples. The two main types of car insurance coverage are liability insurance and collision insurance. You can also have auto insurance coverage to pay for a rental car when your vehicle is being repaired.
Source
Deciding on out how much auto insurance coverage you need will be based on the minimum amount of auto insurance you can have in your state, how much insurance coverage you feel comfortable having, and how much you can afford.
When you compare types of insurance coverage, be sure you’re comparing apples to apples. The two main types of car insurance coverage are liability insurance and collision insurance. You can also have auto insurance coverage to pay for a rental car when your vehicle is being repaired.
Source
Sunday, November 15, 2009
Cheap Car Insurance ý Heaven or Hell!
Cheap car insurance can be hell, not heaven. Yes, you read that right ý cheap car insurance can be hell. Okay, not always. But if you donýt do your research correctly you could end up paying less for your car insurance to start with, but end up with inadequate cover, huge excess payments or heavy penalties in the long run. Itýs when this happens that cheap car insurance can become hell.
The cheapest car insurance may not offer all the extras you want, and you could end up paying more if you are unfortunate enough to have an accident. For example, extra items like legal cover and the provision of a courtesy car should your vehicle need time for repair, are sometimes optional extras. Often these items are removed to make the car insurance policy cheaper. If you need a vehicle for work and you donýt have courtesy car provision, you could end up losing money should your car need repairing for a week or so.
If you are happy with your current insurer, it is worth getting quotes to renew your policy with them. If you can find a price online that beats the one you are offered, tell them. They might then try to match, or even beat the price you have found online, therefore saving you even more money on your car insurance but meaning you keep the same benefits that served you well over the past year.
Everyone wants to find the best deals available to them. It seems silly to waste money on one product when you can get exactly the same, but for less money. The reason cheap car insurance can become hell though, is because many people make the mistake of not getting the same for the best money. Instead they get less for less money, and it is only when something happens that they realise it. For example, you may find a great car insurance deal that saves you loads on what you were paying last year. Only, when your window gets smashed, you realise your new policy charges you ý150 excess, whereas the last one only charged ý50. Suddenly you are even more out of pocket when you thought you were actually saving money.
Things that will make your car insurance cheaper include things like where the car is kept overnight. If it is kept in a garage, your insurance is likely to be less than if you keep your car in a public car park. Donýt make the mistake of saying your car is kept in a garage when it isnýt, to make the policy cheaper. You may find that when you come to claim for something that happened overnight, you have problems because the car was not in the garage.
Source
The cheapest car insurance may not offer all the extras you want, and you could end up paying more if you are unfortunate enough to have an accident. For example, extra items like legal cover and the provision of a courtesy car should your vehicle need time for repair, are sometimes optional extras. Often these items are removed to make the car insurance policy cheaper. If you need a vehicle for work and you donýt have courtesy car provision, you could end up losing money should your car need repairing for a week or so.
If you are happy with your current insurer, it is worth getting quotes to renew your policy with them. If you can find a price online that beats the one you are offered, tell them. They might then try to match, or even beat the price you have found online, therefore saving you even more money on your car insurance but meaning you keep the same benefits that served you well over the past year.
Everyone wants to find the best deals available to them. It seems silly to waste money on one product when you can get exactly the same, but for less money. The reason cheap car insurance can become hell though, is because many people make the mistake of not getting the same for the best money. Instead they get less for less money, and it is only when something happens that they realise it. For example, you may find a great car insurance deal that saves you loads on what you were paying last year. Only, when your window gets smashed, you realise your new policy charges you ý150 excess, whereas the last one only charged ý50. Suddenly you are even more out of pocket when you thought you were actually saving money.
Things that will make your car insurance cheaper include things like where the car is kept overnight. If it is kept in a garage, your insurance is likely to be less than if you keep your car in a public car park. Donýt make the mistake of saying your car is kept in a garage when it isnýt, to make the policy cheaper. You may find that when you come to claim for something that happened overnight, you have problems because the car was not in the garage.
Source
Wednesday, October 28, 2009
How To Get The Cheapest Car Insurance Quote
The best way to get the cheapest car insurance quote is to contact a specialist insurance broker who will find the cheapest car insurance that is suitable for your needs. The cost of car insurance will be determined by several factors such as, the value of your car, how you use your car, what type of security measures your car has, who owns and drives the car and what type of cover you require.
One way to get the cheapest car insurance quote is to buy a smaller car, as smaller cars are less expensive (and so are valued at less) and have smaller engine sizes. Therefore normally, the insurance is cheaper. Fitting a car alarm, tracker or an immobilizer is one way to bring the cost of your car insurance down due to the more enhanced security you have, the less likely your car will be stolen.
The type of insurance cover you need or want will also play a part in how much your car insurance will be. A specialist broker will be able to advise you on which type of cover is right for you, whether that be Third Party, Third Party Fire and Theft or Fully Comprehensive. Parking your car overnight on a driveway or in a garage will lower your car insurance as it is safer and is less likely to be stolen.
Every year contact a specialist broker to search for the best deal for you, do not just renew your car insurance automatically as just because it was the cheapest deal last year, it doesn?t mean it will be the cheapest deal this year.
A specialist broker will be able to search for the cheapest car insurance quote much easier than you can saving you not only a lot of wasted time and money but also giving you the peace of mind that the car insurance you receive is the right deal for you.
Source
One way to get the cheapest car insurance quote is to buy a smaller car, as smaller cars are less expensive (and so are valued at less) and have smaller engine sizes. Therefore normally, the insurance is cheaper. Fitting a car alarm, tracker or an immobilizer is one way to bring the cost of your car insurance down due to the more enhanced security you have, the less likely your car will be stolen.
The type of insurance cover you need or want will also play a part in how much your car insurance will be. A specialist broker will be able to advise you on which type of cover is right for you, whether that be Third Party, Third Party Fire and Theft or Fully Comprehensive. Parking your car overnight on a driveway or in a garage will lower your car insurance as it is safer and is less likely to be stolen.
Every year contact a specialist broker to search for the best deal for you, do not just renew your car insurance automatically as just because it was the cheapest deal last year, it doesn?t mean it will be the cheapest deal this year.
A specialist broker will be able to search for the cheapest car insurance quote much easier than you can saving you not only a lot of wasted time and money but also giving you the peace of mind that the car insurance you receive is the right deal for you.
Source
Thursday, October 15, 2009
Very Cheap Car Insurance In New Jersey
It is important to shop for cheap car insurance in New Jersey whenever you rent a car. If you rent a car in New Jersey, the car is not yours; it is only in your possession for a certain period of time. That means you can not put off repairing damages to the car until you can afford it. Rental car insurance is important.
One way to get cheap car insurance for rental cars in New Jersey is to pay the car rental agency?s collision damage waiver (CDW), loss damage waiver (LDW), liability insurance supplement (LIS), personal accident insurance (PAI), and personal effects coverage (PEC). These types of rental car insurance which will protect the rental car, your personal belongings, your person, and your bank account against damages acquired while the rental car is in your possession.
Yet, depending on how long you have the rental car, these insurance coverages can add up on your final bill, turning cheap car insurance to expensive car insurance. Therefore, you should check into other ways of obtaining cheap car insurance in New Jersey for your rental car.
If you already have car insurance for the vehicle you own, it may or may not cover rental cars ? ask. If you do not own a vehicle, and therefore do not have a car insurance policy, you should look into temporary car insurance policies for rental cars in New Jersey. Yet, some car insurance policies do cover rental cars, or allow you to choose the option of insuring rental cars. You may even be able to choose that option for the specified amount of time you will have the New Jersey rental car.
Another option for obtaining cheap car insurance in New Jersey for your rental car is to use your credit card to pay for the rental. Many credit card companies offer these kinds of insurance services for special purchases such as renting a car.
Source
One way to get cheap car insurance for rental cars in New Jersey is to pay the car rental agency?s collision damage waiver (CDW), loss damage waiver (LDW), liability insurance supplement (LIS), personal accident insurance (PAI), and personal effects coverage (PEC). These types of rental car insurance which will protect the rental car, your personal belongings, your person, and your bank account against damages acquired while the rental car is in your possession.
Yet, depending on how long you have the rental car, these insurance coverages can add up on your final bill, turning cheap car insurance to expensive car insurance. Therefore, you should check into other ways of obtaining cheap car insurance in New Jersey for your rental car.
If you already have car insurance for the vehicle you own, it may or may not cover rental cars ? ask. If you do not own a vehicle, and therefore do not have a car insurance policy, you should look into temporary car insurance policies for rental cars in New Jersey. Yet, some car insurance policies do cover rental cars, or allow you to choose the option of insuring rental cars. You may even be able to choose that option for the specified amount of time you will have the New Jersey rental car.
Another option for obtaining cheap car insurance in New Jersey for your rental car is to use your credit card to pay for the rental. Many credit card companies offer these kinds of insurance services for special purchases such as renting a car.
Source
Monday, September 28, 2009
The Secrets of Cheap Car Insurance
Have you ever wondered where cheap car insurance is hiding? Believe it or not, cheap car insurance isn't as elusive as you might think! In fact, it's been right under your nose the whole time, taunting you, teasing you with the possibilities without ever coming out into the open. (It's kind of like Big Foot and the Lochness monster that way!) The bottom line is, the discovery of cheap car insurance can be yours if you know where (and how!) to look.
The first step to finding its secret hiding place is to look around. No, this isn't a child's game of hide and seek, and the cheap car insurance you're looking for probably isn't hiding underneath your bed (although under the hood of your car might be another story). It's important to remember, however, that car insurance providers are kind of like pizza parlors. There are plenty of them floating around in every corner of the country, and each of them is just a little bit different.
Since every car insurance provider is different it stands to logic that their prices would be different too-and they usually are. You could find yourself saving 10-20% or more on your car insurance premiums just by bidding a fond farewell to your old provider and hopping on another insurance bandwagon, and nine times out of ten you can do it without sacrificing any of your coverage.
The real secret of cheap car insurance, however, isn't just looking around. Most insurance companies give you the chance to find out your "base" premiums using their automated service, either online over the phone. Once you find a car insurance provider willing to give you a good deal using your basic information it's time to see how low you can go. How are you going to do that?
Discounts.
Discounts are the bread and butter of the cheap car insurance industry. Why? Because you can shave another thirty percent or more off of your insurance premiums by finding discounts that your insurance provider forgot they offered! Every insurance provider is different, and many times new agents don't even know what discounts their insurance provider offers. Because of that, it's important to stay informed! Common car insurance discounts include:
1) Your age. Most companies lower your car insurance premiums dramatically when you turn 25, then again at 55.
2) Your job. Did you know that teachers and engineers are statistically less likely to have accidents and, consequently, pay considerably less for their car insurance?
3) Your credit score. You're never going to get away from it. It's pointless to try.
4) Organizations you belong to. Many insurance providers team up with specific organizations to offer their members a discount in exchange for sending more business their way, so if you belong to a club or organization (or your employer has hopped on the car insurance bandwagon) you might be eligible for discounts you never even knew existed.
5) Your car. The Highway Loss Data Institute compiles a list every year of the cars most likely to be stolen/vandalized/involved in an accident/etc., and insurance companies pounce on these like a cat chasing a mouse. If your car is on their "better than average" list you're going to go to the front of the line for cheap car insurance.
6) Your car's safety features. Seat belts. Air bags. Anti-lock brakes. All of these things can save you money on your car insurance.
7) Your driving history. You knew it was coming sooner or later! Every ticket you get, every accident you cause, drives up the cost of your insurance and puts cheap car insurance that much farther out of reach. Honor the rules of the road and that five year good driver discount can shave hundreds off your annual premiums!
As you can see, cheap car insurance isn't as far away as you might think. Isn't it time you took advantage of it?
Source
The first step to finding its secret hiding place is to look around. No, this isn't a child's game of hide and seek, and the cheap car insurance you're looking for probably isn't hiding underneath your bed (although under the hood of your car might be another story). It's important to remember, however, that car insurance providers are kind of like pizza parlors. There are plenty of them floating around in every corner of the country, and each of them is just a little bit different.
Since every car insurance provider is different it stands to logic that their prices would be different too-and they usually are. You could find yourself saving 10-20% or more on your car insurance premiums just by bidding a fond farewell to your old provider and hopping on another insurance bandwagon, and nine times out of ten you can do it without sacrificing any of your coverage.
The real secret of cheap car insurance, however, isn't just looking around. Most insurance companies give you the chance to find out your "base" premiums using their automated service, either online over the phone. Once you find a car insurance provider willing to give you a good deal using your basic information it's time to see how low you can go. How are you going to do that?
Discounts.
Discounts are the bread and butter of the cheap car insurance industry. Why? Because you can shave another thirty percent or more off of your insurance premiums by finding discounts that your insurance provider forgot they offered! Every insurance provider is different, and many times new agents don't even know what discounts their insurance provider offers. Because of that, it's important to stay informed! Common car insurance discounts include:
1) Your age. Most companies lower your car insurance premiums dramatically when you turn 25, then again at 55.
2) Your job. Did you know that teachers and engineers are statistically less likely to have accidents and, consequently, pay considerably less for their car insurance?
3) Your credit score. You're never going to get away from it. It's pointless to try.
4) Organizations you belong to. Many insurance providers team up with specific organizations to offer their members a discount in exchange for sending more business their way, so if you belong to a club or organization (or your employer has hopped on the car insurance bandwagon) you might be eligible for discounts you never even knew existed.
5) Your car. The Highway Loss Data Institute compiles a list every year of the cars most likely to be stolen/vandalized/involved in an accident/etc., and insurance companies pounce on these like a cat chasing a mouse. If your car is on their "better than average" list you're going to go to the front of the line for cheap car insurance.
6) Your car's safety features. Seat belts. Air bags. Anti-lock brakes. All of these things can save you money on your car insurance.
7) Your driving history. You knew it was coming sooner or later! Every ticket you get, every accident you cause, drives up the cost of your insurance and puts cheap car insurance that much farther out of reach. Honor the rules of the road and that five year good driver discount can shave hundreds off your annual premiums!
As you can see, cheap car insurance isn't as far away as you might think. Isn't it time you took advantage of it?
Source
Monday, September 7, 2009
Car Insurance
I was shopping around last week for car insurance for me and JD. Now, I have the same surname as him, because I liked his name and I chose to take it, etc etc. He didn’t care either way – his family is a sprawling mess of steps and halves, so name isn’t a big part of his identity. I didn’t like my surname too much so I chose to change it.
To begin with, I was always Mrs. Recently, especially while I’ve been looking for a job, I’ve taken to using Ms. I feel like prospective employers take in my married status and my age (25) and assume that I’m going to immediately get pregnant and need maternity leave, and leave them trying to cover that leave. Maybe I’m overreacting – and it would be highly illegal for them to even imply such a thing – but anyway, I’ve taken my rings off for interviews and taken to calling myself Ms. I like Ms. It says “I don’t consider you close enough an acquaintance for you to know the exact details of my marital status”.
Anyway, car insurance. My renewal came through and I wasn’t happy with the quote, especially given that I turned 25 this year – shouldn’t it have gone down considerably? JD’s did, when he turned 25. So I shopped around, found a deal, phoned up (because I couldn’t get the website to work), and was offered a ‘multi-car deal’, for both of us/both our cars. It was much cheaper than any of the quotes we’d each found separately, so I went for it.
She started taking details, and I told her I was Ms Married Name. She asked for my date of birth, the length of time I’ve held my license, and so on. Now I dunno about you but I got my licence “a long time ago”. Thinking back to exactly when that was is hard, so when the same questions came about JD and his car, I REALLY had to think. (And I’d wager he couldn’t answer those questions about me. He’s lovely, but a bit vague.)
Anyway, my point to all this is, when the (very helpful) woman asked me fos JD’s name, she then hesitantly said, “Male or female?”. You see, JD has a name that can be used as a girl’s name or a boy’s name, although I’d say it was more male than female, but maybe that’s just me. But he and I have the same surname. I’m actually impressed that the woman asked.
Did my use of Ms. confuse her? Was she forward thinking enough to realise that just because two people have the same surname it doesn’t mean they’re a) married or b) of opposite genders? Does she have to ask the question? I don’t know, but I am impressed. Kudos, insurance lady.
Source
To begin with, I was always Mrs. Recently, especially while I’ve been looking for a job, I’ve taken to using Ms. I feel like prospective employers take in my married status and my age (25) and assume that I’m going to immediately get pregnant and need maternity leave, and leave them trying to cover that leave. Maybe I’m overreacting – and it would be highly illegal for them to even imply such a thing – but anyway, I’ve taken my rings off for interviews and taken to calling myself Ms. I like Ms. It says “I don’t consider you close enough an acquaintance for you to know the exact details of my marital status”.
Anyway, car insurance. My renewal came through and I wasn’t happy with the quote, especially given that I turned 25 this year – shouldn’t it have gone down considerably? JD’s did, when he turned 25. So I shopped around, found a deal, phoned up (because I couldn’t get the website to work), and was offered a ‘multi-car deal’, for both of us/both our cars. It was much cheaper than any of the quotes we’d each found separately, so I went for it.
She started taking details, and I told her I was Ms Married Name. She asked for my date of birth, the length of time I’ve held my license, and so on. Now I dunno about you but I got my licence “a long time ago”. Thinking back to exactly when that was is hard, so when the same questions came about JD and his car, I REALLY had to think. (And I’d wager he couldn’t answer those questions about me. He’s lovely, but a bit vague.)
Anyway, my point to all this is, when the (very helpful) woman asked me fos JD’s name, she then hesitantly said, “Male or female?”. You see, JD has a name that can be used as a girl’s name or a boy’s name, although I’d say it was more male than female, but maybe that’s just me. But he and I have the same surname. I’m actually impressed that the woman asked.
Did my use of Ms. confuse her? Was she forward thinking enough to realise that just because two people have the same surname it doesn’t mean they’re a) married or b) of opposite genders? Does she have to ask the question? I don’t know, but I am impressed. Kudos, insurance lady.
Source
Monday, August 24, 2009
Car insurance provider protects against garage bills
Saga has added to its roadside car breakdown service with a new policy that protects against garage bills.
Breakdown Repair, which comes as an add-on to Saga’s Breakdown Assistance, allows customers to claim back the cost of garage labour and replacement parts up to the value of £500 (subject to a £25 excess) if they cannot continue their journey following a breakdown. This includes cover for the most common causes of breakdown such as a flat or faulty battery, or faults with the starter motor, alternator and head gasket, among others.
Saga Breakdown Assistance helps more than 50,000 motorists a year and while eight out of ten breakdowns are repaired at the roadside, many cars still have to be taken to garages.
A head gasket failure, one of the most common causes of breakdowns, costs on average £390 to repair, while an alternator failure typically costs £285 to fix.
Saga says that 54 per cent of new cars are bought by the over-50s, most of whom in the past have traded in their cars when the manufacturer’s warranty expired. In the recession, however, many are holding on to their vehicles longer, leading to the risk of breakdown bills.
Saga says its Breakdown Repair, which costs £6.86 a month, provides a “seamless service” for customers. The roadside patrolman will take them directly to a garage and discuss the fault with the mechanics.
Discussions between the garage and Saga in respect of the diagnosis and repair costs will be undertaken by qualified mechanics to help control costs.
Saga chief executive Andrew Goodsell said: “Whilst the over-50s tend to take better care of their cars, breakdowns can, unfortunately, happen to us all and often at the most inconvenient time.
“If you are unlucky enough to have a breakdown the last thing you want is to be faced with an unplanned repair bill before you are able to continue your journey.”
Source
Breakdown Repair, which comes as an add-on to Saga’s Breakdown Assistance, allows customers to claim back the cost of garage labour and replacement parts up to the value of £500 (subject to a £25 excess) if they cannot continue their journey following a breakdown. This includes cover for the most common causes of breakdown such as a flat or faulty battery, or faults with the starter motor, alternator and head gasket, among others.
Saga Breakdown Assistance helps more than 50,000 motorists a year and while eight out of ten breakdowns are repaired at the roadside, many cars still have to be taken to garages.
A head gasket failure, one of the most common causes of breakdowns, costs on average £390 to repair, while an alternator failure typically costs £285 to fix.
Saga says that 54 per cent of new cars are bought by the over-50s, most of whom in the past have traded in their cars when the manufacturer’s warranty expired. In the recession, however, many are holding on to their vehicles longer, leading to the risk of breakdown bills.
Saga says its Breakdown Repair, which costs £6.86 a month, provides a “seamless service” for customers. The roadside patrolman will take them directly to a garage and discuss the fault with the mechanics.
Discussions between the garage and Saga in respect of the diagnosis and repair costs will be undertaken by qualified mechanics to help control costs.
Saga chief executive Andrew Goodsell said: “Whilst the over-50s tend to take better care of their cars, breakdowns can, unfortunately, happen to us all and often at the most inconvenient time.
“If you are unlucky enough to have a breakdown the last thing you want is to be faced with an unplanned repair bill before you are able to continue your journey.”
Source
Monday, August 10, 2009
Free breakdown cover with car insurance from Churchill
Research by Churchill has show that women risk being stranded through poor car knowledge so are offering FREE breakdown cover with their car insurance for a limited period.According to the research, 31% of women consider their basic car maintenance skills to be poor or non-existent compared to only 10% of men..
Motorists were asked to identify a number of basic car maintenance points and the result clearly show men are more knowledgeable on the subject.
Interestingly though whilst only 21% of men didn’t know where to check oil levels, compared to 44% of women who didn’t, 63% of men and 76% of women didn’t know where to check the windscreen washer fluid.
If a car breaks down only 5% of women will attempt to fix it themselves, compared to 34% of men.
Fundamentally, women are far more comfortable knowing that they can contact someone to help if their car breaks down.
Source
Motorists were asked to identify a number of basic car maintenance points and the result clearly show men are more knowledgeable on the subject.
Interestingly though whilst only 21% of men didn’t know where to check oil levels, compared to 44% of women who didn’t, 63% of men and 76% of women didn’t know where to check the windscreen washer fluid.
If a car breaks down only 5% of women will attempt to fix it themselves, compared to 34% of men.
Fundamentally, women are far more comfortable knowing that they can contact someone to help if their car breaks down.
Source
Monday, July 27, 2009
Direct General Auto Insurance Research Indicates High “Intent to Drive” among Uninsured Motorists
NASHVILLE, Tenn.--(BUSINESS WIRE)--In a recent survey conducted by Direct General, the Nashville-based auto insurance provider, 36 percent of consumers* reported that they will continue to drive even if they are unable to keep their car insurance. With the approaching July 4th holiday weekend and more cars on the road as a result, the company is urging consumers to think twice about driving while uninsured or without adequate auto insurance coverage.
In that same survey, nearly one in three consumers polled think that at least 40 percent of drivers on the road today are driving without car insurance. Driving without auto insurance is illegal in most states, and yet consumers do think that many are willing to risk getting caught if it means continuing to be able to drive.
According to Direct General, part of the challenge for consumers is that standard insurance companies will not write auto insurance policies for drivers who don’t currently have insurance, have low credit ratings or lapsed payments.
“It’s sadly ironic that people can’t get car insurance because they don’t have insurance, or have experienced financial challenges,” said Dan Tarantin, president and CEO of Direct General. “As the economy continues to wane and unemployment rises, more drivers sharing the road will be letting their auto insurance lapse or already are rolling the dice and taking their chances without insurance.”
Direct General is launching a new advertising campaign this month to reach consumers tempting fate or in need of an insurance provider who knocks down these barriers. “We’ll do right by you” is the overarching campaign theme and according to Tarantin, “it’s about making car insurance affordable and available to all – being inclusive, not exclusive.”
Driving while uninsured is just one of the key messages appearing on billboards and out-of-home advertising in major markets with the goal of making consumers stop and think a little harder before they get behind the wheel without car insurance. “We’re trying to help consumers facing these dilemmas,” said Tarantin. “Whether someone is currently insured or not, regardless of past history, we are offering car insurance that fits the individual, not the other way around.”
Earlier this year, the Insurance Research Council (IRC) released new statistics about uninsured drivers indicating that the recent economic downturn is expected to trigger a sharp rise in the actual percentage of uninsured motorists: from 13.8 percent in 2007 to 16.1 percent in 2010, the most in at least two decades. “This data clarifies that the real number of uninsured drivers is not as high as the consumers in our survey think,” said Tarantin. “But the ‘intent to drive without insurance’ statistic we uncovered definitely supports this forecast and heralds a serious issue for all drivers.”
Direct General maintains that it doesn’t have to be this way. “There are companies who will actively work with consumers to get them the auto insurance coverage they need at low rates, and welcome them back even if they have been forced to drop coverage. Direct General is one such company,” said Tarantin.
Source
In that same survey, nearly one in three consumers polled think that at least 40 percent of drivers on the road today are driving without car insurance. Driving without auto insurance is illegal in most states, and yet consumers do think that many are willing to risk getting caught if it means continuing to be able to drive.
According to Direct General, part of the challenge for consumers is that standard insurance companies will not write auto insurance policies for drivers who don’t currently have insurance, have low credit ratings or lapsed payments.
“It’s sadly ironic that people can’t get car insurance because they don’t have insurance, or have experienced financial challenges,” said Dan Tarantin, president and CEO of Direct General. “As the economy continues to wane and unemployment rises, more drivers sharing the road will be letting their auto insurance lapse or already are rolling the dice and taking their chances without insurance.”
Direct General is launching a new advertising campaign this month to reach consumers tempting fate or in need of an insurance provider who knocks down these barriers. “We’ll do right by you” is the overarching campaign theme and according to Tarantin, “it’s about making car insurance affordable and available to all – being inclusive, not exclusive.”
Driving while uninsured is just one of the key messages appearing on billboards and out-of-home advertising in major markets with the goal of making consumers stop and think a little harder before they get behind the wheel without car insurance. “We’re trying to help consumers facing these dilemmas,” said Tarantin. “Whether someone is currently insured or not, regardless of past history, we are offering car insurance that fits the individual, not the other way around.”
Earlier this year, the Insurance Research Council (IRC) released new statistics about uninsured drivers indicating that the recent economic downturn is expected to trigger a sharp rise in the actual percentage of uninsured motorists: from 13.8 percent in 2007 to 16.1 percent in 2010, the most in at least two decades. “This data clarifies that the real number of uninsured drivers is not as high as the consumers in our survey think,” said Tarantin. “But the ‘intent to drive without insurance’ statistic we uncovered definitely supports this forecast and heralds a serious issue for all drivers.”
Direct General maintains that it doesn’t have to be this way. “There are companies who will actively work with consumers to get them the auto insurance coverage they need at low rates, and welcome them back even if they have been forced to drop coverage. Direct General is one such company,” said Tarantin.
Source
Monday, July 13, 2009
Check you car insurance and child car seats
With over a million people having had an accident whilst on the school run in the last 5 years it’s important to make sure your child car seats are appropriate and you get car insurance in place.15% of people admit to driving with children without the children being properly placed and secured in the appropriate child car seats.
This week is Child Safety Week and to help ensure you have the right child car seat you might like to check out our earlier article on child car seat criteria.
Erratic driving no doubt leads to more accidents, which according to research from Sainsbury’s Car Insurance, are twice as likely to happen on the morning school run compared with the afternoon one.
Worryingly, some 136,000 people have had an accident on both the morning and afternoon schoold run!
Sainsbury’s Car Insurance Manager, Lucy Hunter, said ‘Busy roads, noisy children in the back seat, and the worry of being late can make the school or nursery run very stressful for drivers. Being in a routine doesn’t make you immune to these distractions however and at these often hectic times of the day it’s important to stay alert and focussed.’
Source
This week is Child Safety Week and to help ensure you have the right child car seat you might like to check out our earlier article on child car seat criteria.
Erratic driving no doubt leads to more accidents, which according to research from Sainsbury’s Car Insurance, are twice as likely to happen on the morning school run compared with the afternoon one.
Worryingly, some 136,000 people have had an accident on both the morning and afternoon schoold run!
Sainsbury’s Car Insurance Manager, Lucy Hunter, said ‘Busy roads, noisy children in the back seat, and the worry of being late can make the school or nursery run very stressful for drivers. Being in a routine doesn’t make you immune to these distractions however and at these often hectic times of the day it’s important to stay alert and focussed.’
Source
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