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How to Get the Best Deal on Car Insurance in Salt Lake City

Finding the right car insurance for you in Salt Lake City is easy if you know how insurers calculate premiums. Several factors are taken into consideration, including your age, sex, occupation, and the size, type, and age of your car.

There is no one custom policy that is suitable for everyone; in fact an auto insurance policy can be very unique to the individual. The right policy for someone else could be completely wrong for you. Understanding the following facts about car insurance can help you find the best deal for you in Salt Lake City.

When searching for auto insurance in Salt Lake City it is important to keep the value of your car in mind. This is an extremely important factor in determining the policy that will give you the best value for your money. Cars that have a value of below $2,000 may only qualify for third party insurance, including fire and theft.

This type of policy covers you if you are involved in an accident, compensating the other person involved for their damages. You are also covered by this type of UT car insurance if your car is stolen or destroyed by fire. Cars valued below $1,000 are rarely provided comprehensive coverage, as the annual premiums will probably cost more than the value of the car.

Your age can also make a difference to the type of policy you can get, and how much you pay for it. Young drivers with little or no driving history will have to pay higher premiums than older drivers with a clean driving record. While UT auto insurance dealers take the driving histories of older drivers in to consideration, they also believe that they will be more likely to file a claim than younger drivers. This can raise the price for older applicants, though they may also benefit receiving better policies with more coverage.

Having Extra Drivers on Your Car Insurance in Salt Lake City

The cost of your car insurance in Salt Lake City will also be affected by how many drivers you add to your policy as well as their ages and driving records. Avoiding adding drivers who will not drive your car very often could save you loads of cash.

The savings come by taking out temporary policies on such drivers for only the period they’ll be driving. If you are adding experienced drivers and your car has a fairly high value, say over $5,000, you will definitely want to take out a policy providing comprehensive coverage.

If you and any added drivers on your policy go without having to file any claims for five years or more, you can severely lower your costs. UT auto insurance providers feel that the longer you go without making a claim, the less likely you will be to file one in the future.

While some insurance companies don’t allow added drivers to contribute to building up a no-claims bonus, others do, so look for such a provider to make sure you get the best deal on auto insurance in Salt Lake City, UT.

Tips on Car Insurance In NJ

There are a number of car insurance options that one can choose from in the state of New Jersey. Knowing your way around the industry is the most important thing if you want to get the best auto insurance deal available.

You need to understand the different types of insurance coverage that there are and the purpose they serve. This will make you decision making process much easier to achieve the auto insurance policy you need.

Here are a few of the insurance coverage you may want to look into :

1) Liability Liability insurance is a requirement in most of the states and New Jersey is no exception. What liability insurance doe is cover for the costs or expenses that arise in the event of a car accident in which you are at fault. It covers damages that you may cause to another individual's property and also bodily injuries that you may cause to another individual in the unfortunate event of a car accident.

You are required by law to carry a minimum of $5,000 for damage you may cause to property and $10,000 for bodily injury or harm you may cause for one person per accident. These are the minimum requirements for the basic policy in the state of New Jersey; however, it is advisable to carry more insurance than the minimum required amount because in more serious auto accidents, the minimum required amount is usually not enough.

2) Additional New Jersey car insurance cover As a precautionary measure, it is in your best interest to look into additional insurance cover to supplement the mandatory minimum required insurance coverage. Some of the additional car insurance options include collision coverage that entails coverage for damages to your automobile in case an accident occurs.

Another insurance coverage you might want to look into is comprehensive coverage which covers your car against such events as theft, natural disasters, vandalism, unfavorable weather conditions and so on. It is advisable to consider these insurance coverage especially if you own an expensive car, if you commute in an area with high traffic or if you live and commute in a densely populated area. In contrast, if you live in an area that is sparsely

populated like a rural area and the traffic is not heavy, then you might not need all these insurance coverage. This also applies in case your vehicle is relatively inexpensive.

To be able to get the most reliable car insurance, you will need to do a thorough research and the best place to start this research is right here. All you have to do is enter you New Jersey zip code in the space provided above and you will find a list of the best car insurance providers in your locality. You will also get a free auto insurance quote.

The Best Ways to Get Inexpensive Car Insurance Under 21

11:05 PM Auto Insurance , Best Auto Car Insurance , Car Insurance

If you are either young or are responsible for footing the car insurance for someone who is, you will know just how expensive possibly be. There is valid reason that cheap car insurance under 21 is difficult to find for young people; statistics shows that they plain can't drive as well as older folks. All this doesn't necessarily mean that young drivers are bad drivers.

It does mean that when car insurance companiesmake their risk calculations for different groups of people, young drivers finish just ahead of blind and limbless ones in safety however.

The fact that young drivers belongs to a higher risk group cannot be denied and there is no way to sway the minds of auto insurance providers when it comes to the cost. Having mentioned that, there are some ways to help you lower your cost when you are trying to seek car insurance under 21.

Following are some ways that you can keep some of your hard earned cash in your pocket when the insurance bill arrives.
An easy way for you to avail more inexpensive car insurance under 21 is to project the image of a responsible teenage driver. In the insurance company's eyes one of the best ways to do that is by getting good grades.

That's why almost every auto insurer has a good student rebate. If your GPA is above a 3.0 or 3.2, depending on the provider, you'll normally qualify for a break on your premiums.

Keeping yourself from any bad records including accidents is another money-saving method.Past behavior is a provenyardstick of future behavior, and insurance companies have picked up on this. That's why they offer cheaper insurance to those folks with excellent driving records.

Drivers under 21 simply cannot resist driving fast and dangerously. Unluckily, a little bit is sometimes all it takes to get a ticket or worse, crash your car. Stay out of the police blotter, and you'll help keep your insurance rates out of the stratosphere.

Although you may want to drive a new Dodge SRT-8, even if you could afford the payments, you probably couldn't stretch for the insurance.In some locales, you would pay 2 to 3 times the rate of your monthly payment to insure high performance vehicles, especially newer ones.. That's an excellent reason to choose a more insurance friendly ride when you're shopping for cars.

You may not like a 5 year old minivan, but your insurance agent will give you a break for one. Talk to your agent before you buy a car ( or any other vehicle, for that matter ). They will be able to steer you toward a more affordable car from an insurance point of view.

Now that we mentioned of agents, if you are below the age of 25, you should talk to different insurance car companies to compare the premiums. All providers price risk differently, so your age may count against you more with some companies than with others. The Internet can help you compare the insurance rates of different providers.

All you do is fill out a simple, online form, and they take it from there.Often than not, you will have several premiums to select from and this can turn out to be considerably lower than the premium you are currently paying.This is especially true if your current agent represents only a single insurance company.. Most of the online services work with multiple providers, so you'll have a much better chance of getting a low rate on your car cover, weather you are young or not.

By: Max Fillini

Car Insurance-Uninsured Cars To Be Crushed

5:28 AM Car Insurance , insurance

Are you one of the one in twenty motorists who regularly drive without insurance ? You'd better watch out - your car could be heading for the crusher and shipped off to the world's biggest scrap smelter in China!

New powers now allow the police to seize, impound and crush any car found on the road without insurance. A pilot scheme was introduced in Durham last spring. Since then, police have impounded more than 1,200 cars. Of those around half have been crushed into cubes and packed off for smelting.

Operation Takeaway as the pilot scheme was known, has been such a big success, that police forces throughout the UK are enthusiastically polishing up their tow trucks. The scheme is now supported by a new national police database that's supported by the insurance industry. It enables the police to check the insurance status of every car in the UK whilst they're sitting in their patrol car.

Now if you're caught red handed without car insurance you're forced to hand your keys to the police at the roadside. There are no exceptions - this applies to everyone; it doesn't matter if it's just a forgetful mistake or conscious driving without insurance.

Then you'll have to get your skates on! You've just 14 days to produce a valid insurance policy to the police and collect your car. And other costs mount up. Before you can collect your car, you have to pay the cost of kerbside recovery (around £105) and the cost of secure storage - and that could easily amount to £15 a day. So, if you leave collecting your car to the 14th day, you could be in for a bill for £315.

And if you don't reclaim your car, off to the crusher it goes !

During the pilot scheme, the cost of crushing the cars was partly funded by Direct Line. They have estimated that Operation Takeaway prevented up to 2,000 accidents. And many of the cars impounded by the police were found to be un-roadworthy.

A police spokesman said, " Uninsured drivers are often guilty of many other offences. Such as having neither driving licence nor MOT certificate. We are doing everything in our power to get these dangerous and illegal drivers off our roads".

Indeed, uninsured drivers are much greater problem than many of us would expect. The Department of Transport recently reported that 1 in 20 motorists regularly drive without insurance. Furthermore, research from the Association of British Insurers discovered that uninsured drivers are amongst the most dangerous on the roads. On average they cause one accident every six months and are three times more likely to be convicted of driving without due care and attention.

And who pays for those uninsured accidents ?. We do ! The average car insurance premium is loaded by £30 to cover the cost of damage caused by uninsured motorists. Across the UK that adds up to an extra £500 million paid out each year by the law-abiding motorists!

But that's not the end of our financial pain. If an uninsured vehicle collides into your car, it's still recorded as a "fault claim" on your policy. This means you'll have to pay the excess when your car is repaired and unless you've got Claims Protection on your policy, your no-claims bonus will take a knocking. Over a two-year period, the reduction in your no claims bonus could easily cost £275 in higher premiums.

The move to take cars off the road and crush them has been warmly welcomed by the Association of British Insurers. The ABI has long criticised the leniency of punishment handed out by the courts to uninsured motorists but they still want tougher penalties. Offenders are typically fined just £150 to £200 - with time to pay - and this is much less than the average car insurance premium. Surely this cannot be true justice !.

Car Insurance Adjuster - What You Need To Know About It

1:10 AM Auto Insurance , Car Insurance , Car Insurance Adjuster

If youre in need of a car insurance adjuster then there are a few facts you should know before you meet with him/her. The first rule of thumb is that if your car insurance adjuster is over friendly remember, he is there to save money for the company he works with, not especially for you.

Dont ever sign anything without reading every detail and never underestimate the good will of the car insurance adjuster. If the adjuster wants to discuss anything on the phone, request that you would rather meet with him/her in person until after your insurance claim is settled.

You can be pleasant with the insurance adjuster but stay firm. No matter what happened at the scene of the accident, it is not the car insurance adjusters fault if the person that hit you was an idiot. Dont underestimate the importance of an adjusters impressions because they all go into your file. The way you act toward him/her could have an influence on your insurance claim later.

Even if, for example, your car hit a deer, insurance adjusters will even be called for this too, to estimate the amount of damage to the car. Again let the adjuster do his/her job and be friendly. When you hit a deer it can cause the same amount of damage in some cases as hitting a car, or even worse. Let the car insurance adjuster look at the damage and make up his/her own mind regarding the extent of damage. Again dont sign any thing until your car insurance claim is settled.

An independent car insurance adjuster is also expected to settle insurance claims quickly. This person may not owe a particular allegiance to a specific insurance company, but they want to collect the fee from the company. An insurance adjusters authority to settle a claim is restricted, but the adjuster will do everything possible to make sure you get treated fairly

The bottom line is dont let a car insurance adjuster suck you into thinking hes your best friend in the world, only to be let down later. This is the nature of job and no matter how friendly the adjuster is, he/she is there to do a job. You have little to do with that except provide them with information needed to assess the damages to your car.

Just be a little careful when dealing with a car insurance adjuster.

By: Alexander Nysten

10 Ways To Save On Car Insurance

1:02 AM Car Insurance

For most people car insurance is a the single largest insurance expense after health insurance. Rates are high and are forever climbing, at least it seems that way. You can save money on your car insurance premiums by following these easy to implement steps.

1. Shop Around. Yes, it pays to shop and compare. Regulatory changes at the state level may have encouraged new companies to jump into the market, thereby increasing competition and reducing rates for consumers.

2. Raise Your Deductible. A $200 deductible sounds wise until you learn that the cost for having a deductible at this threshold can drive your rates through the roof. Consider a deductible as high as $1000 to save on premiums. You can always fix minor mishaps on your own.

3. Drop Collision. If your automobile is worth less than two or three thousand dollars, consider dropping collision altogether. Sure, you will get nothing from your insurer if your car is totaled, but the savings you realize by dropping collision can be used as a down payment for your next car.

4. Look For Discounts. If your car has certain safety features, make sure that your insurer is aware of this. Older cars, for the most part, do not have air bags but if you have a model that has airbags, you will save money on your insurance.

5. Business Deduction. If you drive your car for business, a portion of your insurance costs may be deductible. Conversely, your rates may be increased if your insurer knows that you use your car more for business than pleasure.

6. Combine Policies. Purchase your homeowners, auto, and life insurance policies from the same broker and you may save on your premiums. Some insurance companies reward policyholders if they one-stop purchase all of their insurance needs through one company.

7. Consider Before You Buy. The Porsche Boxster may be your ideal car, but it could also sharply raise your insurance rates. Maybe a less sporty model would be ideal.

8. Drivers Ed Course. You may have taken a drivers education course and your insurance company has not factored that in when determining your premium. Let them know that you are a safe driver!

9. Deleted Points. If you had moving violations that were reported to your insurance company, make sure that your insurer adjusts your premium downward if several years have gone by since the occurrence. You could be paying a premium higher than you deserve.

10. Check Your Policy. If the insurer has the wrong address, town or zip code on your policy you could find yourself paying more than you should.

Reducing your car insurance costs should not be an impossible feat. By following these steps you should realize some savings the next time your policy comes up for review.

By: Alexander Nysten

Why Lawyer Says: You Should Buy Car Insurance From An Independent Broker

12:39 AM Car Insurance

I don’t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.

Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage.

Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull.
My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn’t sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents.

For a small fee, my client could have purchased underinsured coverage of $300,000 which would have allowed her to recover $300,000 for her injuries instead of $25,000. Ironically, she did not need the $300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase $300,000 liability coverage for the sole purpose of being able to purchase $300,000 underinsured coverage.

I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together.

Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown.

Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage.

Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York.

I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only $2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance.

Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several “malpractice” lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice.

When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price.

Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.

By: Alexander Nysten

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