Research from Motus shows that, on average, vehicle insurance premiums have risen every year since 2013, and since 2011, insurance premiums have gone up by a whopping 23%. Although numerous factors can affect a person’s insurance premium, the bigger picture has also changed.

Data supports the fact that insurers are paying out more frequently than before. When that happens, insurance companies raise rates to offset the losses. In the US, the number of car crashes has increased this decade, even though traffic fatalities continue to decline. Chalk the mixed bag up to safer cars than ever. Pedestrian fatalities, meanwhile, continue to climb.

One great thing about comparing free quotes is that it can be used in a number of different situations. For many comes the day when their child hits the golden age of 16 and obtains their driver’s license; while the parent may be proud of their child’s accomplishment, one thing is for sure and it is the dread of the auto insurance premium increase they are almost certain to receive; shopping around and receiving rates can lessen this blow and lead to a cheaper carrier whether they will be added to a parent’s existing policy or getting one of their own.

Another wise place to take advantage of free quotations is when motorists are looking to purchase a new vehicle; through much of the excitement of getting behind the wheel of a dream car, many forget the cost of insuring it and will be shocked to see that the price of coverage can nearly equal the automobile’s monthly payment.

Comparing rates before a purchase can help avoid getting into buying a vehicle that may not be as affordable as once thought.

Rating agencies are available online and are a valuable resource to help motorists make a well informed decision before choosing a company. These agencies use certain tiers which they place insurers in based on their financial stability; for example, one agency uses letter grades similar to school grading.

If a carrier receives an “A” then they are regarded as having an excellent ability to compensate policyholders, a “D” letter grade would indicate a weak ability to fulfill obligations. These agencies are a well trusted source of information and commonly suggested by government websites; the Illinois Department of Insurance website provides a list of rating agencies and will even provide company ratings to residents.

Benefit From Free Vehicle Insurance Quotes: Getting vehicle coverage is something the majority of Americans will have to do at some point in time and is an expense that may not be able to be avoided. Therefore, consumers should understand that being a wise shopper can not only lead the finding the most affordable premiums, but also the right amount of protection. Unfortunately, many motorists drive around with the minimum requirements mandated in the state the vehicle is garaged, but most states requirements may not cover all necessary risks and in certain states coverage limits can leave residents facing huge financial burdens and even lawsuits.

One of the most important things that a consumer can do prior to purchasing a policy is to obtain free vehicle insurance quotes from as many companies as possible and compare rates from each based on different levels of protection. After all, carriers will provide a rate quote at no cost and taking the time to compare numerous quotations can help save money and get properly protected. The Oregon government website says that “A couple hours of research can save you hundreds of dollars a year”. This statement can ring true for many individuals and a couple of hours is a good investment to make if it can reduce premiums.

Compare Vehicle Insurance Options with Free Insurance Quotes: One of the major benefits of comparing rates from various companies and the goal of most consumers is finding the most affordable policy. Premiums vary greatly among insurers and the only way to find the cheapest one is by shopping around, but quote comparisons should also be used to get better coverage. When shopping around consumers should be sure to obtain free quotes on adequate protection, especially for those that reside in states with low minimum requirements.

States such as California and Ohio have some of the lowest bodily injury and property damage liability mandates and it strongly advised to raise limits as high as can be afforded. It is commonly suggested to raise liability limits to $100,000 for bodily injury to one person, $300,000 for bodily injury per accident and $50,000 for property damage; consumers may come to realize that the cost of policies may not increase by much and doing so can provide peace of mind as well a protection from paying expenses resulting from a traffic accident out of pocket.

One other option that may want to be compared is Uninsured/Underinsured Motorist coverage. Many states make this a requirement, but many do not. Individuals who live in states that have a high percentage of drivers who choose to operate an vehiclemobile without a valid policy may find this beneficial. The Texas Department of Insurance estimates that approximately 20% of motorists lack coverage which means that if a person is involved in an accident there is a 1 in 5 chance that the other driver will be uninsured. It may seem unfair to have to pay extra for a policy because there are individual that choose to break the law, but in the end it may be worth it. Getting hit by an uncovered vehiclemobile and suffering injuries can leave a motorist with huge medical bills that may never be recovered from the at fault party, getting this coverage is highly recommended.

The price of purchasing and maintaining an Vehicle insurance policy is unavoidable for many motorists. It’s not uncommon for a state to require that all resident vehicle owners maintain an vehicle protection plan of some form or another. Having a policy whether required by law or not, however, is almost always recommended. In order to make coverage more affordable, many motorists find that it’s easier to distribute the cost of a policy by making monthly payments. This method is particularly effective for individuals that may only be able to find expensive coverage because of poor driving records. In this situation, dispersing payments over the course of a year may be the only way to afford a policy.

Because nearly every insurer offers a different way of paying for service, it’s important for motorists to contact a company to discover what options are available. There are some providers which only allow customers to pay for service in one large deposit, or in larger installments throughout the year. Some companies, on the other hand, will allow for monthly deposits or even the purchase of car insurance with no down payment for additional savings. Although a motorist may not be placing any money down, in most situations an individual purchasing one such plan will still have to make the first month’s premium payment in order to obtain coverage.

Floridians could benefit from comparing the rates on various auto insurance options that are offered by insurers. By completing a comparison of more extensive protection, motorists may be able to find that being more adequately covered may be affordable and can be very beneficial in the event of a loss. One such option is to consider purchasing limits above what the state requires, especially if the motorist does not have a health care plan; obtaining personal injury protection at a higher limit can help pay for medical costs for injuries sustained in a traffic accident and considering the cost for medical care, the $10,000 minimum can be used up following a serious injury. The same principal applies to property damage liability; it may only be a small difference in premium to raise these limits, but could be well worth it following a loss.

According to the Florida Department of Financial Services the state does not require motorists to carry Bodily Injury Liability, but Florida’s Financial Responsibility law does require individuals to be financially responsible for bodily injuries in the amounts of $10,000 per person and a maximum of $20,000 per accident. The state suggests if a driver or vehicle owner does not have this amount in cash reserves, motorists may want to considering adding this coverage to a policy. It could take a long time for premiums to add up these amounts and it would be a lot better of a situation if the insurer were to pay out these amounts rather than the motorist; this will also pay for legal representation if an individual is sued.

Additional optional coverage residents may want to consider are such items as Uninsured/Underinsured Motorist which covers policyholders if they are struck by a driver who does not have adequate insurance, Comprehensive and Collision which pays for physical damage sustained by the insured vehicle, Towing which will cover the cost of a tow if the covered automobile becomes inoperable and Rental Reimbursement to pay for the expenses of a rental car if a policyholder’s vehicle will be in a repair facility or has been stolen. Floridians have many options to choose from and purchasing the policy to cover risks is a good way to protect assets; it is always a good idea to obtain quotes on additional protection to determine what can fit in a budget. Shopping around is free and it may lead to finding more extensive polices at an affordable rate.

Particular states only require motorists to purchase liability policies which only cover the losses caused by the policyholder to another party and at very low limits. For example, according to the California Department of Insurance, motorists are only required to carry a liability policy with minimum limits of $15,000 for bodily injury to one person, $30,000 for bodily injury per accident and $5,000 for property damage. Anybody who knows what a weekend in a hospital costs is well aware that $15,000 will probably not cover the costs; purchasing higher limits can protect policyholders from being held liable and/or sued for any amount that exceeds the policy limits.

States such as Florida require motorists to maintain Personal Injury Protection (PIP) in the amount of $10,000 which covers the injuries of the insured regardless of who is at fault for causing the traffic accident; just as mentioned, this amount can easily be exhausted which can lead to the policyholder left with big medical bills that may only be recovered through litigation. Higher limits can be purchased and may be worthwhile following a serious injury. This type of coverage is voluntary in many states and could be beneficial, especially to those who do not have a healthcare plan.

Uninsured and Underinsured Motorist coverage is not made mandatory in many states and some states will require insurance providers to offer this protection, but give consumers the right to waive it. Unfortunately, many motorists do choose to waive it in order to save a few dollars on their premiums, but this is a valuable option on a policy. If a motorist is struck by a driver who is uninsured, does not have coverage or if victim of a hit and run then this protection will kick in and compensate the policyholder which can give good peace of mind following an accident. Although paying as little as possible is tempting when purchasing a policy, choosing less protection can end up being far more costly

The Sunshine State is a No Fault state which requires motorists to carry Personal Injury Protection (PIP) and Property Damage Liability for as long as they have a vehicle with at least four wheels registered and licensed in FL. While most Floridians are aware of this, PIP and auto insurance in general can be a complicated product which many residents may not fully understand; individuals should take the time to know exactly how their policies will cover them in the event of a loss to ensure that they are properly insured.

Personal injury protection will pay for the injuries of the policyholder up to coverage limits regardless of who is at fault for causing the traffic accident; this portion of Florida car insurance policies will also cover the insured’s children and other resident members of their household.

PIP may also cover certain passengers who lack coverage and drivers who operate the policyholder’s vehicle with permission. In addition, personal injury protection will cover the injuries sustained by passengers unless they own a vehicle and lack PIP or have a policy of their own which will cover their medical costs up to their coverage limits.

A number of states do not require that actual proof of insurance is readily available, but it can save a bit of confusion to carry it at all times while operating an automobile. In most cases motorists who are involved in traffic accidents will need to exchange policy information in order to have their insurers contact one another and help sort out and handle claims; not carrying this documentation can result in a delay in compensation.

One other wise reason it is a good idea to always carry documents showing coverage is that each state has laws differing from that of which a particular person may reside; therefore they may be required to provide such documentation if requested by a law enforcement officer while operating an automobile in another state.

It is also wise to stay on top of the latest coverage requirements as well; beginning today, June 1, 2010, according to the Wisconsin Office of the Commissioner of Insurance all motorists will be required to carry proof or they can face penalties.

Motorists unable to produce evidence of coverage can face a fine of $10 which may not sound like much, but not being able to prove the vehicle is insured can result in a fine of up to $500 and providing false documentation can lead to a $5,000 fine. It can be a lot cheaper to maintain coverage in many instances and carrying evidence can help avoid the inconvenience of having to make a trip to the appropriate department to prove that the vehicle was covered at the time a citation was received. In addition, driving uninsured is never worth the risk and if found to be at fault for causing an accident while doing so, the legal and financial consequences may be devastating.

Cheap Proof of Vehicle insurance in Texas
To assist local officials in spotting uninsured motorists and improve financial responsibility throughout the Lone Star State, Texas Legislature mandated the TexasSure program. This system was developed by the TX Department of Information Resources, Department of Public Safety, Department of Motor Vehicles, and the Department of Insurance as a way of electronically tracking whether or not a motorist is adequately insured. TexasSure gives law enforcement officers and other approved users to ability to immediately verify a vehicle owners coverage status.

For Failure to Maintain Financial Responsibility in Texas, a vehicle owner may be susceptible to an annual surcharge of $250.00 for three years, with multiple convictions potentially resulting in multiple surcharges. Additionally, motorists may have their driver’s licenses and vehicle registration suspended unless the vehicle owner can maintain adequate coverage. Residents can avoid many of these consequences by buying a policy that meets state requirements.

To meet state financial responsibility requirements and obtain sufficient proof of insurance at an adequate price, residents are encouraged to shop around and compare as many quotes as possible. Similar to other products, the cost of vehicle coverage can fluctuate for many different reasons. Comparing options can often lead to lower rates. To efficiently shop around, drivers should complete on online search, where dozens of estimates can be viewed at once.

To decrease the number of uninsured motorists in the Lone Star State, local officials and State Legislatures have created a system designed to ensure that vehicle owners can demonstrate financial responsibility after an accident. Drivers must adhere to strict coverage requirements and maintain adequate proof of insurance at all times while an Vehicle is registered in Texas. Consequently, driving while uninsured can net an offending motorist a number of fines and other penalties. One of the best ways to affordably meet these coverage requirements is to buy sufficient Vehicle protection after gathering insurance quotes in Texas from online sources.

To meet state financial responsibility requirements, the majority of vehicle owners in the Lone Star State buy vehicle coverage that includes bodily injury and property damage liability with limits of at least 30/60/25. When purchasing Vehicle protection from an insurer licensed to sell coverage in TX, motorists should obtain proof of insurance that should be kept within the insured vehicle at all times. These cards generally include the names of those insured, the name of the insurer, the policy number, company contact information, vehicle identification number, details about the Vehicle, and the policy effective dates. A motorist who operates an Vehicle without adequate proof may be convicted of driving while uninsured.

To avoid many of the consequences that can result from operating a motor vehicle without evidence of financial responsibility, drivers should carry a copy of their proof in the insured car. The consequences for driving without sufficient evidence differs depending on the state, but penalties generally include fines and the possibility of having the car impounded. More serious consequences could include the suspension of the driver’s license and registration, or a jail sentence.

To help reduce the number of uninsured motorists on the road, many states have adopted electronic verification systems that allow law enforcement officers and approved officials to instantly determine whether or not a motorist is adequately covered. For example, the Texas Department of Insurance has adopted a program called TexasSure that allows for instantaneous policy verification.

Many of the systems that help state officials determine electronically whether or not a motorist has purchased adequate coverage also produce random samples from registered motorists, and officials follow up on those samples in an effort to decrease the number of uninsured drivers. Even though advancements in technology have made it easier for authorities to determine whether or not a motorist is covered, it is still essential for people to carry physical proof of insurance within the vehicle at all times. In many states, an insured vehicle owner without physical verification may still suffer legal consequences if stopped by an officer.

If you fail to demonstrate the proper motor skills or judgment to safely operate a motor vehicle during these field tests, the officer can then ask permission to perform a blood alcohol content test, commonly abbreviated BAC. In most states the legal limit for BAC is .10%, however many states have adopted a lower BAC of .08%. Failing these tests will result in a ride in the back of a police car, a night in jail and charges of a DUI or DWI. You are now facing the legal repercussions of drinking and driving.

All 50 states have taken serious action when it comes to individuals that DUI, driving under the influence, or DWI, driving while intoxicated. There is zero tolerance, all violators will be arrested and charged accordingly.

Regardless of how wrong and dangerous we know texting and driving can be ten percent of adults and twenty percent of teenagers have admitted that they have entire conversations over text message platforms while driving