Auto Insurance Diary

State Farm auto insurance offers pay-as-you-drive auto insurance policies in California, Ohio, Texas and Illinois.  Progressive Insurance offers it as well throughout the US.  It’s getting more and more popular.  According to the article “Low-Mileage Drivers Benefit From Insurers’ Pay-As-You-Drive Plans” by Eve Mitchell on BellinghamHerald.com, auto insurance rates are tied to part of the actual number of miles driven and many consumers are seeing big savings.

State Farm specifically calls their program the Drive Safe & Save program and drivers can self-report their mileage online or at an agent’s office before they renew their policy.  Customers who drive General Motors, Saab, and Saturn vehicles with OnStar technology and have a diagnostics account can have their actual mileage sent right to State Farm for updating.  Drivers are

Read full post…

If you have been wondering as to why it is that automobile insurance quotes keep fluctuating the way they do, you might perhaps want to know how you might be able to keep their increase under check. There are a lot of factors that are responsible for the rise in automobile insurance rates. You should be aware of these so that you can keep them in check and ensure that you never have to deal with exorbitant insurance rates. Listed below are some things that you could perhaps do in order to avoid an increase in your quotes.

One of the things that you might perhaps want to consider here is that when you do get the automobile insurance quotes and notice an increase, it might because you had made claims in the past. People that end up making frequent claims are also going to end up paying a large amount for their car insurance. Hence, your auto insurance rate will automatically increase as a result of this. As much as possible, avoid making claims if the accident is not as serious and you can make do with expenses out of your pocket.

Read full post…

Mileage-based insurance is the auto insurance industry’s latest innovation, and it is one which actually does save the customer money in the majority of cases. Progressive and a few other insurers have been experimenting with the concept for several years with large degrees of success, and most recently State Farm, a venerable auto insurance giant, has entered the fray by debuting its Drive Safe & Save program in Texas. Texas has one of the highest rates of uninsured drivers in the country, so it can be hoped that this new program will have a positive effect on that statistic.

In order to qualify for the Drive Safe & Save (DSS) program, Texas drivers have to have an active account with OnStar, a vehicle diagnostics and service program offered by Chevrolet but that is available to those who drive other vehicle brands as well. OnStar is a system which allows for constant monitoring of the vehicle in terms of performance and location.

OnStar customers can call for help in the event of an accident or breakdown, can report their car stolen in the event of theft, and many other useful options. O

Read full post…

You may have heard the rumors that crossovers are unbelievably expensive to insure. While it is true that crossovers, especially if they are new, can come with a bit higher than average insurance rates, there are things that you can do to effectively lower these costs. The first and most important, of course, is to find the right provider. This is a bit harder than it sounds and will require some effort on your part. If you’re willing to put it in, however, you can find a reliable, dependable automobile insurance provider who puts your needs first and always keeps the customer’s best interest at heart.

To find a good provider, you’ll need to do more than just flip open the local phone book and start calling random companies and asking for rate quotes. Your first step should be to get in touch with the department of transportation or its equivalent in your area to ask for a list of all licensed providers in your area. If a provider is not fully licensed in the state of residence, you won’t want anything to do with it. Getting

Read full post…

After the accident, the drivers remain confused about the cover they will get but with car insurance supermarket, you can get clear terms on the insurance policy.  If the driver meets with an accident and if he/she is not at fault then the third party needs to pay for the damages, but some sneaky drivers try to claim for things that are not covered.

Sometimes the drivers try to get their old wear and tear repaired along with the damages caused during accident. The insurance assessors and garages can easily discriminate between the latest accident damages and old wear and tear. The garages cannot join hands with fraud motorists, as the insurers carry out audits to check their work. The motorists will have to pay for his fraud of passing old damage to the insurer.

Sometimes the car is damaged due to poor maintenance or mechanical problems but the insurers do not cover their customers in such circumstances.

Read full post…

When a young teenager only learns how to drive and has only a learner’s permit, parents need to consider a special coverage. As you may know, the government requires coverage for such drivers, even if they have no official driver’s license, so you may need to buy one of cheap provisional insurance policies. Unlike other groups of car insurance buyers, this young demographic group is usually given the very high insurance rates because of their inexperience on the roads. In addition, they must still pass the full test of their official license, so they are more risky on the roads compared to new drivers. The amount of the liability involved for the main policyholder is the primary motivation behind the high premiums for remand drivers. So is it still possible to find affordable rates?

Yes, as long as you’re willing to invest time in research. Read full post…