You do not want to miss this one most important point – Teen car accidents are the highest in the first six months of driving. You need to ensure “Confidence, training and guidance” to your teen during this period.

As per recent publication from the Insurance institute “ According to the Insurance Institute for Highway Safety, the study tracked 42 newly licensed 16-year olds with cameras, sensors and computers. Of the total 40 crashes and 279 near crashes recorded by all of the drivers of the monitored vehicles (including parents) during an 18-month period, teenagers had 13.3 crashes or near crashes per 16,000 kilometers in the first six months. This fell to 8.5 in the following 12 months. The teen crash rate averaged about 10 per 16,000 kilometers during the entire18 months compared with 2 for the parents.

The National Institutes of Health and the Virginia Transportation Institute found that crashes and near crashes are more common during the first six months of independent driving among young drivers than in the following year. Previous studies had shown that teen crash rates decline quickly as young drivers become experienced, but the joint study, released in December 2011, was the first to use in-vehicle monitoring to confirm the trend.

Insurance Companies are helping you get cheaper teen car insurance rates – how?

The reality is that we are moving to a movement of co-operation from one of competition.  Insurance companies are not on the other side of the fence for their clients- they are working with you, wanting the teens to be better drivers, to be safe on the road. Technology is helping us to accomplish what we never had thought possible before. It is not about spying on our teens, it is about helping the students, the teens and our beloved young drivers know their own driving habits in order to help them improve their driving.

Let us check out what the efforts are and how the companies are contributing:

1)       The cost of electronics devices are subsidized by the insurance companies. This is so that parents or teenagers can get these devices and install them to monitor the teen driving.

2)       Insurance companies also offer a discount to policy holder’s even teenagers for putting electronic device.

Check out what the insurance companies are offering

American Family Insurance Company has “DriveCam program”. They offered video cameras that alerted parents of their teens driving mistakes were devices were used. This was done for 2000 families.

-Cameras were free for one year. Camera offers weekly reports to parents and these are monitored and provided by independent company.

-Discount on policy holder.

21^st Century (Zurich) and Safeco Insurance (Liberty Mutual) use GPS to track driving records

-GPS given for free.

- Emails or text message sent to parents if their teenagers if the limits of time, speed or boundaries are not followed.

- Safeco even allows parents to monitor their teens driving in real time

Progressive “ My Rate”

-       Free black box

-       Free black box given even if you do not have Progressive car insurance

-       Black box records speed, braking, time of day and distance driven. Car insurance discounts given based on this.

GMAC “OnStar program”

-       GPS based

-       Incentives to all drivers who limit their mileage.

Imagine what it would be to see that you have both the benefits – cheap car insurance quotes and also having your teen safe! Get your quote now.

Check out” Drivecam”"

Response : Temporary car insruance for college student of teens would not be the answer to your needs. Check out why?

</h1> Temporary car insurance  </h1>

Temporary car insurance is for very short period of time for 1- 28 days only. Temporary car insurance is also called short term car insurance. Basically, this is a car insurance policy you would need when you are travelling to another country or to a state, where you might need higher car insurance coverage than what is required in your state, if you want to be safe.

The other reason you might get temporary car insurance is when you do not noramlly  have car insurance and decide to go for a holiday and drive a car for a temporary time.

Short term or temporary auto insurance is easy to get since most of the car insurance companies would provide you with this coverage.

You need to remember that the short term charges or rates for car insruance are high for a month, when compared to 12 months, since you would be charged for the paper work and also the administration cost, even for a month, which is higher.

<h2> You need “Pay as you go”  car insurance</h2>

The best option avaliable now in 2013 and this started in 2012, is to get “Pay as you go” car insurance. This is car insurance which is rated on the basis of  how many miles you drive, your driving history and driving habits. Joe, this would be a blessing for you, where you can get car insurance at a cheaper rate and also at the same time be able to guide and monitor your son’s driving record.

“Pay as you go” is now offered by most car insurance companies like Progressive, State Farm Insurance and many other car insurance companies. You can get your car insurance quote also here. Check out this video for further information and insight on temporary car insurance.

Florida car insurance for 2013

Florida is a No-fault state, and hence on the liability besides the requirement of Third party liability for person and property but also the requirement for Personal Injury.  HB 119 Motor Vehicle Personal Injury Protection (PIP) Insurance was signed into law by Florida Gov. Rick Scott in May 2012. This  law is an important  auto insurance law in years as per the insurance industry. This law  seeks to clamp down on alleged abuse and fraud and improve the state’s no-fault, personal injury protection (PIP) system.

Fraud has been a biggest draw back and loss leader for Florida, New Jersey and California for auto insurance. Fraud has increased the cost of car insurance claims and this has been one of the reasons, the sunshine state is seeing an increase in car insurance rates.

Changes on car insurance in Jan 1 2013

The medical benefits provisions of the law will take effect on Jan. 1, 2013. They include the requirement that accident victims report an auto-related injury and seek treatment within 14 days. Under the new law, those physicians and facilities able to diagnose individuals seeking treatment under PIP medical benefits are: licensed physicians, licensed osteopathic physicians, licensed chiropractic physicians, licensed dentists, hospitals, facilities that own or are owned by hospitals, or licensed emergency transportation or treatment providers.

The law also applies two coverage limits for PIP medical benefits, based on the severity of the individuals medical condition. Policyholders could receive up to $10,000 in benefits for emergency medical care and $2,500 for other less serious injuries. Follow up medical care must also be consistent with the underlying medical diagnosis rendered when the initial services and care were received.

In addition to the $10,000 in medical and disability benefits, $5,000 in death benefits is offered. The death benefit was previously the lesser of the unused benefits, up to a limit of $5,000. The PIP medical fee schedule revisions to help resolve alleged ambiguities in the schedule also take effect in January. Revisions include clarifying the reimbursement levels for care provided by ambulatory surgical centers and clinical laboratories. Insurers will be required to include notice of the fee schedule in their policies.

Here is a video

Remember the important points:

1) See a doctor immediately you are involved in car accident.

2) The doctor has to diagnosis any medical emergency related to the accident within 14 days.

3) After 14 days the amount of coverage is reduced to a mere $2500/-

Would these changes increase car insurance rates in Florida?

What is important to remember that you are not giving your money for nothing, you need to see a doctor immediatly . Take action immediately once you get into an accident.

It would be a good idea to get personal health coverage just for your safety by saving on car insurance. However, if you still feel that this is something, which is much higher, rest assured that you can get a free car insurance quote, here. You just have to give a little bit of time to save a lot of money. Would you do that and help yourself?

Thanks.

Car insurance rating system is fast changing – some of this changes are being brought on by the new laws that are coming up.

Car insurance rates for girls will now be similar as boys in Europe? Will this change come in North America?

From 21 December, car insurance companies  will no longer be able to calculate premiums based on a person’s  gender – because the European Court of Justice has deemed it ‘unfair’.

This means that the advantage the fair sex had on car insurance rates, till date is now not in existence. Girls will pay premiums  which are as high as car insurance premiums for boys. The predictions are that the girls in Europe will be paying car insurance premiums which would be almost 25% higher than what they are paying and the boys will pay a premium lower by 10%.

Now, the question of genders would not pay a material role.

How about North America? Can we expect to see similar changes in the car insurance rating for girls?

Changes do come in, and if Europe has started this, it would be a question of time, for the changes to come into North America. Yes, in many ways all the tips and tricks which were provided by the car insurance experts would soon be outdated and stale.

We would be providing you with all the latest information and tips on car insurance as it works in 2013 and also help you get prepared in advance, so that you and your family are in a position to take up the benefits, when the changes come in. Each dollar that you save in this recession is worth while.

Surely, you do not want to keep your home budget balance and have enough to enjoy for 2013. Yes, one sure way is to get your cheaper car insurance quote here.

The good news is that it still pays to compare car insurance quotes. 

There is another big news and change you should keep in mind and that Alabama has made changes with effect from 1st January 2013 to the car insurance laws. They have now, started  verifying online on the validity of car insurance policies. If you do not have mandatory car insurance………..Check out in our post tomorrow as to what the replications are.

Check out this Car insurance 2013 video

Thanks.

Kamlesh

Teen car insurance rating is changing. The future of car insurance would be based on Telemetric. Your own driving record would decide the  car insurance rates.

The reality will soon hit in the markets. In future the car insurance companies would not be much concerned  about your age  profile or  our gender. They would be able to select the risk based on the actual driving record of the person and rate the car insurance based on the driving habits and miles of usage.

Telematics is becoming the new rating device for car insurance. What is telematics? Telematics is a device – a black box, a tracking device installed into the car. This is not at present installed at the point of manufacture but is a self fitted or a smart phone which is installed in the car, which tracks the driving habits and car usage of the driver.

How does the insurer rate car insurance premium based on telemetics?

The insurance company would collect the data from the black box or recorder about the trips, journey or the monthly recorded data. This data would be subsequently be translated into a set of driving scores from which the insurance company can price. The insurance company would rate and arrive at the premium based on – when, where and how the car was driven. By how – it would mean the speed of the car, the number of times the break was used, how the driver was navigating at corners or whether there was any aggressive driving.

The truth is now, the drivers would not be able to complain that they are being judged on the experience of other drivers or the geographical region- since the majority of their car insurance rating would depend upon their own record.

Can you still get cheaper car insurance or would it make sense in comparing car insurance online now?

The answer to this question is sure- it would still make sense in comparing car insurance, all the more beneficial to you, since you would be able to know exactly where you stand as far as your driving record stands and thus be able to find out which insurer would be best for you. It is going to be an interesting phase coming.

Stay tuned. We are  going to let you know how telemetric s is going to affect you and the insurance company. This might be a good study field for the near future, if you still thinking of a career.

Finish your shopping, we will be able to help you to get cheaper car insurance – save and recoupe some money spent now.

Get your auto insurance quote here.

If you still want to know further on telemetric and car insurance watch the video below.

You would be wrong  in this assumption. Being a electric car and hybrid is fuel efficient and hence this is environmental friendly. Did you know that some insurers give you higher discounts up to 5% for going “green”.

How popular is Toyota Prius?

The Toyota Prius may be the best selling hybrid electric vehicle within the U . s . States. With more than 1.two million offered within the U . s . States by April 2012, the Prius comprises half of all of the hybrid cars around the road. Oddly enough, despite their growing recognition, an analysis of Toyota Prius thievery data from NCIC shows they have both an extremely low thievery rate along with a substantially high recovery rate.

Theft statistics for Toyota Prius

An evaluation of theft rates by model years demonstrated that 2008-2010 Toyota Pruii were built with a reduced thievery rate compared to average for those 2008-2010 models. For 2008-2010 Toyota Prius models, the thievery rate was one in 606 automobiles were reported stolen whereas, for those 2008-2010 model year automobiles, one in 78 automobiles were reported stolen. These statistics rapidly illustrate how a smaller amount frequently Priui are stolen compared to average vehicle.

Because the Prius has been around since 2000 with the first 1 / 2 of 2012, only 2,439 Prii happen to be reported stolen to NCIC. The amount of robberies has elevated nearly every year except for 2009 which in fact had a small dip from the year before. 2012 can also be on the right track to possess less robberies than 2011.

California State – Toyota Prius theft

California was the State  using the greatest quantity of Toyota Prius robberies with 1,062 robberies. This really is 736% greater than Florida which in fact had the 2nd greatest quantity of robberies at 127. California also had 4 from the top ten thievery CBSAs for Toyota Prii with La-Lengthy-Beach-Santa Ana, CA and Bay Area-Concord-Fremont, CA creating the very best 2 spots with 333 and 254 robberies, correspondingly.

How the theft statistics would affect car insurance

What is the relevance of theft to car insurance?  When the theft risk is lower, the car insurance rates would be lower since when a car is stolen it would be a total loss payment for the insurance company.

The higher the chances of theft, the higher  would be the car insurance premium. In this case, the  owner is not at fault, and the insurance company would not be able to increase his car insurance premium for the renewal.

You can check out your Toyota Pirus or the car insurance for any other model – we offer comparative car insurance quotes- get your cheap car insurance quotes today.

Europe has started the big leap in the car insurance rating. Thanks to a ruling from the European Court of Justice (ECJ) in March last year, insurers will no longer be able to take into account whether their customers are women or men.  In short it all means that car insurance rating would now be based on  “gender neutral”. The car insurance premiums would be similar for  men and women. They would be  treated the same, even if they present obviously different risks to insurers.

This change comes into effect in Europe  on 21 December 2012, it seems many insurers will wait almost until the last minute before revealing exactly how their premiums will change. It is,, however going to be quite obvious that the fair sex will now loose the advantage of cheaper car insurance. This change is going to be more profound for teenager girl drivers, who would now be paying much more than they were paying on car insurance.

Will North America n 2013 also foolow Europe in the matter of car insurance?

North America has a culture which strongly believes in equality in all matters whether it is the equality for the genders, caste, creed or community. They would certainly support this matter of not wanting to have

distinguishing between genders for getting car insruance rating.  When in 2013 is th only question – when this change in car insurance will be accepted in USA and Canada.

How would this change impact teen car insurance?

Teen car insurance will be certainly be higher for girls also. It would be time for the fair sex also to go ahead and find out ways to get cheap car insurance. We are with you on this journey, giving you the support you want.

A sure way to still keep on getting the low cheap car insurance quotes is to get your cheap teen car insruance quotes here- compare car insurance. Put in your zip code and getting going…..

It is time for you – whether it is a girl or a boy to make certain positive changes to your driving habits :

1. No speeding.

2. No texting.

3. Stop twitter, stop facebook distractions.

4. No drunk driving.

5. No driving when tired or drowsy.

6. No aggressive driving.

The reality is that, the insurers are going to get a chance to watch every move you make, every mile you drive, your driving habits, your braking habits, your speed. Teen car insruance or car insurance rating is now going to be based on your actual driving record- a live driving record and not only what is with the DMV records. Its time  for you to become concious of your driving and car insruance rate. 2013 is bringing a change, but a positive change for all genders- a change in favor of equality.  Comparing teen car insurance quotes will help you to save hundreds of dollars.

Usage based car insurance is becoming more popular with more and more insurance company offering the same.

Response :State Farm Insurance was the first to come up with the concept of user based insurance and it was then picked up big time by Progressive Insurance. Progressive Insurance  program called “ Sanp shot” become very popular. What is more interesting and appealing is that Progressive has offered to give the devices for snap shot for free for one month, just for your testing it out, even when insured with another insurer. Check out your own usage and driving, and the car insurance rate offered by Progressive.

Allstate – joining with Drive Wise- in four additional states including New York and New Jersey. With this the tally of States where Allstate offers this program would be :

Colorado, Michigan, New Jersey and New York  added to the existing states of Arizona, Illinois and Ohio.

It is further reported that within the next few weeks 3 more states would be added and hence before 2013 kicks in Allstate will have “Drive Safe” in 10 states of USA.

Reasons for recommending Usage based car insurance

1)    Usage based insurance measures things such as mileage, braking speed and time of the day when you are driving.

This helps teenagers and parents to know when the car is being used. Night driving is dangerous and needs to be avoided as far as possible. Insurance company would consider this factor.

The braking habits will help the teenager or the driver to judge their own driving habits. You can easily improve and this would act as a natural teacher or guide for you to improve your driving skills.

2)    Usage based devices and insurance companies provide a constant feedback to you as long as you keep the device.

This would help the teenager in learning more about his driving habits and also get useful tips from the insurance companies on the does and do not do of car driving. This can help them in becoming better drivers, conscious and responsible of their driving habits. In the long run this is going to be your package or Santa’s present to cheaper car insurance.

3)    Car insurance discount earned – which will give you cheap car insurance.

Based on the data generated by telemetics, the customer would be eligible for a car insurance discount. This discount savings would be from 10 -20% – and on an average one can expect about 12-14% savings. This would mean that you would get more cash back.

If you want even further discount or cash back .. remember it is Black Friday all the time on this blog, get your Cheap car insurance  quote now. Go up and put in your zip code and zoom to cheaper car insurances.

For further information watch this video on Allstate Drive wise

Response :  Before we go into how do you add your friend on your car insurance policy there are certain corns which you need to first keep in mind .

When your friend will be added to your car insurance policy, he would have the rights to the policy and hence, if  when your friend is driving your car, your auto insurance policy would respond. This would mean that when an accident occurs - since the car insurance policy would respond and your friend is added on your policy, your car insurance premium would be affected on the renewal – since claim is attached to your policy.

Adding your friend on your auto insurance policy

This is quite common for students or when you are staying with your friend and are using the same car  or have bought a joint car. There would be two ways you can add your friend on the car insurance – 1) As an additional Insured         2) As a listed driver.

Lets take each of this one by one to understand this better :

A difference definitely exists between an additional insured and a listed driver. Do not assume because you are listed on someone’s policy as a driver, you will be compensated for a loss. Only named insured’s, loss payees, and additional insured’s are listed on insurance claim checks for total losses.

Additional Insured:

1. Must have ownership of one or more vehicles on policy

2. May or may not drive the vehicle depending on whether or not the additional insured is listed as a driver or has insurance elsewhere.

Who is usually Added as an Additional Insured?

Co-titled Vehicles usually have an additional insured if the two people on the title are not married or listed as named insured’s together. For instance, if your friend cosigned on a car for you and doesn’t live in your household, he would be listed as additional insured. He does not need to be listed as a driver because he lives out of the household and probably has his own car insurance policy. As part owner of the car and additional insured he is entitled to compensation after a total loss if both of you owe less than the actual cash value of the vehicle.

Secondly  Leased Vehicles should always have the lease company listed as both loss payee and additional insured, sometimes referred to as combination. The lease company acts as both the lender and owner of the vehicle. In a total loss, the lease company would get the claim check. Usually, gap insurance is required on leases so you won’t have to worry about an out of pocket expense.

What is the Purpose of being Listed as an Additional Insured?  The additional insured is notified anytime a change is made to the vehicle. If coverage is reduced to storage insurance, the additional insured is notified. Same goes for if the vehicle is removed from the policy or coverage is added or reduced in anyway. It keeps the additional insured in the loop when it comes to insuring the vehicle. Additional insured’s are included in insurance claim payouts. As a owner of the insured property, the additional insured’s name is on total loss claim checks.

When should an Additional Insured be Removed? An additional insured is only removed when the name is off of the title due to a sale. After the additional insured has no interest in the vehicle they should be removed immediately. Having an additional insured listed on the policy that does not belong can delay a claim from being finalized. The owner of the vehicle is entitled to compensation if the coverage is right and the owner owes less than the actual cash value. Whether you are the additional insured or you need to add one on your insurance policy, it is important to know about how an additional insured works. Make sure the additional insured is listed properly on your policy by checking your declaration page or asking your agent.

Listed Driver:

1. May have no ownership of vehicle

2. Primary or occasional operator of the vehicle

When a listed driver would be involved in an accident with the car, the car insurance policy would respond both for liability and comprehensive coverage. Also since he is not the owner of the vehicle and has been legally given insurance coverage as an occasionaly driver – he would not be responsible for liability, if the insurance coverage is insufficent. Since your friend is not your relative, some insurance company may provide a listed coverage only if you can establish some relation with your friend  as a listed driver- by relation it would mean that if the listed driver should be staying with you, or your employee.

Think carefuly before you add anyone to your car insurance policy, since it is a question of finance. You can get your auto insurance quote or teen auto insurance for getting cheap car insurance

It is at times like the “Sandy hurricane”  or the earthquake in BC- one after another, is when one is really thankful that one does have auto insurance and home insurnace. Auto insurance and home insurance coverage is very necessary in times like this The appropriate coverage and the right amount of coverage is very necessary so that – the very purpose of insurance – to keep in the same poistion as you were before the time of the happening or event is ensured.

I am sure that if you have been following this blog of teen auto insurance quote and do have the adequate insurance and coverage as adviced by us again and again, today you would not be worried about your car and even your home. In this time, we are with you and here is some more great news that we would like to share with you.

Hurricane deductibles will not be applicable for Sandy-related claims in New Jersey, the state where the superstorm made landfall late Monday.

New Jersey Department of Banking and Insurance Acting Commissioner Ken Kobylowski communicated to the insurance industry Tuesday night that hurricane deductibles will not apply, said department spokesman Marshall McKnight.

The Connecticut insurance department issued a notice alerting the insurance industry that companies may not impose a hurricane deductible on Connecticut claims related to superstorm Sandy.

This would mean that – you do not have to worry about the deductibles.

Besides this the Insurance companies which are active in the Eastern states like Allstate, Liberty Mutual, State Farm Insurance, GEICO and others would also be setting up facilites and special claim management services to adjucate the claims fast.

Please take the following steps for quick settlement of claims:

1) Have photographs of the damaged property.

2) No repairs to the property or vehicle need to be made without first the consent of the insurer.

3) Inform the insurer of the loss at the earliest- help centers would be set up.

4)  The flood claims need to be taken up with the State insurance department.

President Obama has done a wonderful job and check out the steps taken

Most of all one and all should realize that auto insurance, home insurance and business insurnace is very necessary. The calamities are on the rise and with the changes in the cliamate the need for the appropriate coverage and adequate values of insurance is all the more necessary. Understandably, the cost can be an issue, but this is why we are here to help – Get cheap car insurance quotes for free from here.

Home and auto insurer Allstate Corp. reported a larger profit for the third quarter on a decline in disaster losses and improving margins, as its chief executive said storm Sandy would not materially affect results this quarter.

Allstate, one of the biggest insurers in the northeastern United States, is considered one of the most exposed companies to insured losses from Sandy, which some estimate to be as much as $15 billion