Keeping your auto insurance rates low while looking for a used car.

Is the Vehicle a High Theft Vehicle?   Honda Accords and Toyota Camrys are safe, reliable cars that are cheap to repair. Unfortunately, that also means they get stolen a lot. Just like older cars lack the safety features of newer ones, so do older cars lack the anti-theft measures built into newer ones. This doesn’t mean that any older car is automatically a theft risk: Simply that, when looking at vehicles, choosing one that has a lower risk of being stolen will lower your insurance.

Reducing Coverage to Reduce Auto Insurance Rates

A change in coverage will also effect  your auto insurance rates.  Increasing your deductible will lower your auto insurance rates.  Drop collision coverage if the value on your car is low, especially if your car is worth less than your deductible.  Raise your insurance deductible if you have the cash on hand to cope with making a larger financial contribution in the event of an accident.

If you want to keep your auto insurance rates low while looking for a used car, here is a tip to think about while shopping for a used car.

How Safe is the Vehicle?   The older the car, the more dangerous it’s likely to be.  This is both because even a car in tip-top condition will inevitably have problems, possibly dangerous ones, as it ages, and because older cars lack the safety features of newer ones. Research the safety record of the overall model year. Were there any particular problems with this car? If you can get a later model with better safety features, that may be worth it.

If you want to keep your auto insurance rates low while looking for a used car, here a tip to think about while shopping for a used car.

How Reliable Is the Vehicle?   Know how reliable the car is overall? A car with a reputation as a tank is going to do a lot better in terms of insurance than a car that tends to fall apart as it ages. Another point to check, and this will save you plenty of misery both on your insurance bill and at the repair shop: Are they still making parts for the car? A car that’s simple and cheap to fix will have lower insurance rates than ones that are complicated and expensive. Imports in particular can have this problem: Look for cars built by US companies or made in US plants.

Tip one for keeping your teenage driver safe.    

Keep the invite list short:   Statistically, teenagers are less likely to crash when they are driving alone or with an adult, so consider setting limits on when and how often your child can ride with or transport other teenagers.

For instance, you might wait until your teen has been driving for at least six months before giving permission to drive and ride with friends. Teenagers can also limit distractions by regulating noise in the car (e.g., conversations, music) and keeping their eyes focused solely on the road

If you are in an auto accident call the police, (Don’t use 911 unless there is bodily injury and you are someone else need emercy attention) having a police report created at the time of the accident is key to figuring out which driver is legally at fault and of course that is key to your claim. It is always in your best interest to say as little as possible to anyone other than an attorney, but do tell the truth about the accident. You will most likely have a little bit of time in between the call and the police showing. The report will not be taken until the police arrive.

After having an auto accident you will want to call your auto insurance company as soon as posible. Ask your insurance agent how to proceed and what forms or documents will be needed to support your claim. Your company may require a “proof of loss” form, as well as documents relating to your claim, such as medical and auto repair bills and a copy of the police report.

 After getting into an auto accident you may want to get advice from a personal injury lawyer. A good lawyer will work for a part of your claim, ask nothing up front, and typically be able to get you a bigger settlement. They will also help you avoid incriminating yourself in an accident or accepting the first claim that comes along before you get medical treatment.

If you get into an auto accident below is a list of what to do

* Exchange information with the other drivers involved, obtain the name, address, driver’s license number, vehicle licenses, and insurance information from all other drivers involved.

* Obtain the names and contact information of any witnesses should also be gathered.

* If possible, take photographs of the accident scene, including the vehicles involved, the location of traffic signals, and any obvious skid marks, debris, or other evidence.

* You may also want to take notes on the weather and road conditions at the time of the accident.

If you get into an auto accident below is a list of what not to do
 
* If you get in an auto accident do not move an injured person
* Do not apologize or admit to fault
* Do not tell the other person about your coverage
* Do not accept any money, and do not agree to anything with the other driver.

It is tempting to start talking after a shock, but you could become a target if your coverage is good or say something that will give you a legal disadvantage in processing your claim or getting sued. Say nothing and do as little as possible.
 

Dental Plan Coverage – Effective or Start Date
When shopping for individual, family or group dental insurance quotes, always review the dental plan coverage description thoroughly for any variations in coverage levels.  Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated.  Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family.

Typical Benefits and Features – Dental Plan Coverage

Some typical features of these plans: High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services) Probationary periods on certain procedures that last up to a year Annual dollar limit on benefits Chose your own dentist Your average monthly cost: $15 and up Companies selling these plans are regulated by state insurance departments.

Dental Plan Coverage – Legal Stuff You Should Know

The law mandates that consumers with dental plan coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, limitations and exclusions.  Most individual dental insurance plans have annual maximum benefit levels which may be directly related to the monthly premium that you pay for coverage.
Statistics have shown that patients with dental coverage will seek out required care on a far more regular basis than those without coverage.  While dental benefit coverage should be taken into account, it should not be the deciding factor in your choice of treatment.  You should know how your plan is designed, since this can affect significantly the plan’s coverage and your out-of-pocket expense.  The year of the parent’s birth is not relevant in determining which coverage is primary.

Dental plan coverage may be continued during a leave of absence without pay due to disability.  Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable.  Before comparing rates, check out the important features of a few plans for a thorough understanding of dental plan coverage.

The main purpose of auto insurance is explainable as covering the losses to the auto owner. This is mainly done to protect the vehicle or auto from any unforeseen occurring like an accident.

Auto insurance provides protection against the losses incurred as a result of any unavoidable instance like a theft.

Vehicle insurance can be explained as a contract between the auto owner (you) and an insurance company whereby the insurance company will protect you against financial losses at the time of an accident.

 Most vehicle insurance policies do not cover the following: 

* Regular wear and tear of the vehicle

* An auto insurance policy is also known to come with several exclusions such as general  policy, which does not offer protection against mechanical and electrical breakdown.

* If the vehicle is used for other purposes, other than personal use, then the insurance policy would stand invalid when making claims.

* If insured vehicle has suffered damage because of rash driving, negligent driving or due to influence of intoxicating drugs or alcohol, then such damages are non-payable by the insurance provider.

Did you know that Honda Civics and Accords have been the most stolen vehicles for more then a decade.  Insurance one will likely cost you more as well.  To help reduce your auto insurance cost for high theft vehicles, give thought to instaling an anti-theff devices as well as storing your vehicle in a secure loaction like a garage as many auto insurance companies provide discounts for such actions