Auto Insurance http://www.get-autoinsurance.com If you see this, then you see this! Sun, 04 Jan 2009 19:38:11 +0000 http://wordpress.org/?v=2.5.1 Bad credit risk, bad driver? http://www.get-autoinsurance.com/bad-credit-risk-bad-driver.html http://www.get-autoinsurance.com/bad-credit-risk-bad-driver.html#comments Sun, 04 Jan 2009 19:34:06 +0000 admin http://www.get-autoinsurance.com/bad-credit-risk-bad-driver.html This is a good year for drivers in California. Three years ago, the Commissioner for Insurance introduced new rules prohibiting the use of ZIP codes as the primary factor for determining car insurance rates . These rules came into force July 14. This is one battle won for consumers’ rights. The war goes on. Zip codes remain a dominant factor in other states. Similarly, insurers also check out your credit score. Well, it’s all about how to define risk. All the factors go into the melting pot. How old you are, where you work, where you live, whether you own or rent your home, whether you own the car outright or have a car loan, what make and model of car, and so on. Unfortunately, yes. Just as a loan company wants to know more about you before making the offer of a loan, car insurance companies want a better idea of whether you take care of your financial affairs before agreeing to pay out if you get in a traffic accident. The first step in setting the auto insurance rate is whether you qualify for any discounts. For example, most companies offer discounts if you can pay an annual premium rather than by monthly or half-yearly installments. Then comes the math work. There are statistical methods to determine the risk of you getting in an accident. If you’re a late payer who gets into trouble with liens and mortgages on your property, if you rent rather than own, you may not take as much care of your property as others. Add in lack of consistency in employment and multiple lines of credit getting close their the maximums, and you’re considered a higher risk driver. It may not feel fair. It probably isn’t completely fair. But that’s the way insurance credit scoring works. So, before you go online for your next car insurance quotes , check out your credit score and, if necessary, repair the score. The Fair Credit Reporting Act gives you the right to get free copies of your credit reports. Use that right and get your credit score into shape before getting quotes.

]]> http://www.get-autoinsurance.com/bad-credit-risk-bad-driver.html/feed Baby boomers get to be seniors at last http://www.get-autoinsurance.com/baby-boomers-get-to-be-seniors-at-last.html http://www.get-autoinsurance.com/baby-boomers-get-to-be-seniors-at-last.html#comments Tue, 23 Dec 2008 00:07:40 +0000 admin http://www.get-autoinsurance.com/baby-boomers-get-to-be-seniors-at-last.html As the boomer generation has aged, every part of the social system has had to bend to fit them all in. First it was the school system, then higher education. Were there going to be jobs for them all? Now, those who have survived the march of time, are finally approaching retirement making the sale of health insurance a much more competitive market. We caught up with Dave in Oakland and asked how he was preparing for his retirement. He managed a harassed smile. We looked back at his plans last year. “I was all set up to finally do some traveling. “Guess I was a little lonely so I did a lot of research.” Then the stock markets went south and all his plans changed. “I’ve been looking more carefully at Medicare. The cover’s not so bad, so I’m looking at policies to top up the cover to get the best budgeted treatments whenever possible.” He smiled.As more savvy people start looking for Medigap policies, the market is likely to get more competitive and the existing discounts and incentives are likely to improve. When actual retirement is coming up, look round carefully for the right cover for you.

]]> http://www.get-autoinsurance.com/baby-boomers-get-to-be-seniors-at-last.html/feed Out of work! Could it happen to you? http://www.get-autoinsurance.com/out-of-work-could-it-happen-to-you.html http://www.get-autoinsurance.com/out-of-work-could-it-happen-to-you.html#comments Sat, 20 Dec 2008 01:37:57 +0000 admin http://www.get-autoinsurance.com/out-of-work-could-it-happen-to-you.html Hey, I know you don’t want doom and gloom but one of us has to ask the hard questions. So, with the housing market in free fall and price inflation taking off, jobs are less secure. Now is the time to spend a few minutes thinking about what you would do if the unthinkable happened to you. The headline. If you’ve been wise with your money, you’ll probably survive. Let’s start off with the most vital question. What’s going to happen to your group health plan? All this time, you’ve been sheltered from the hard world of personal health insurance . What are you entitled to receive? Leaving to one side the questions of your severance pay, unemployment compensation and whether your employer will pay for outplacement services to help you find your next job, look at health insurance coverage through COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985).

All employees, their spouses and dependents have a right to continue coverage under the basic group health plans (both medical and dental) for eighteen or thirty-six months. If your spouse and children are covered under the plan, they have separate rights to claim COBRA coverage. You all have sixty days from the date coverage under the plan ends to elect for coverage under COBRA. You must make your first premium payment within forty-five days and thereafter at regular monthly intervals. You will lose coverage if you miss a payment. This means it is always better to send some money rather than no money. If you are short, you get an additional thirty days to make up the payment. Use this breathing space to find new employment, secure in the knowledge that your health insurance needs are covered. That is, assuming you have laid the money by like Aesop’s ant.

]]> http://www.get-autoinsurance.com/out-of-work-could-it-happen-to-you.html/feed Low Auto Insurance May Cause Fever in Surprised Drivers http://www.get-autoinsurance.com/low-auto-insurance-may-cause-fever-in-surprised-drivers.html http://www.get-autoinsurance.com/low-auto-insurance-may-cause-fever-in-surprised-drivers.html#comments Wed, 03 Dec 2008 11:27:34 +0000 admin http://www.get-autoinsurance.com/low-auto-insurance-may-cause-fever-in-surprised-drivers.html Are you sick and tired of paying the high costs of auto insurance? I am. With gas prices, the unstable economy, and the ever-evolving state of the housing industry, it is no wonder that people will go to great lengths to pay the lowest amount possible for their auto insurance. What you don’t want to do is to avoid paying for auto insurance altogether. Far too many people choose to ignore the fact that proof of valid auto insurance is necessary. If you drive without it, you could find yourself in a lot of trouble. It could mean a vehicle impoundment at worst and sky-rocketing insurance rates at the very least.

Your auto insurance quotes are the very first steps you need to take in order to establish your search for the best insurance rates. Looking all over town won’t allow you the same resources and answers that searching online will. Online resources can help you get the answers you deserve and while you are at it, get the best insurance policy for you and your family. Auto insurance is mandatory in some states. Treat auto insurance as important as any other aspect of being a responsible driver. Get the insurance you need right now.

]]> http://www.get-autoinsurance.com/low-auto-insurance-may-cause-fever-in-surprised-drivers.html/feed High Costs of Auto Insurance Makes Everyday Folks Bewildered! http://www.get-autoinsurance.com/high-costs-of-auto-insurance-makes-everyday-folks-bewildered.html http://www.get-autoinsurance.com/high-costs-of-auto-insurance-makes-everyday-folks-bewildered.html#comments Sat, 29 Nov 2008 07:10:32 +0000 admin http://www.get-autoinsurance.com/high-costs-of-auto-insurance-makes-everyday-folks-bewildered.html If you have high auto insurance and don’t know where to turn for lower rates, simply look online and watch how easy it is to lower your rates. Online insurance quotes are usually free. However, you must take the time to find these free quotes. Often, sites will offer listings of the agencies that they act as a liaison for.

This means that they offer the best auto insurance agencies both in your area and in the nation. Some are online, some are land based, and some offer both. Your selection should be based on the best possible rate, best coverage, and most timely ability to give you that coverage. Most of online agencies will allow you to print your insurance cards right from your home computer, allowing you to feel legally safe to drive again.

What about your car? Is it goog enough? Would you be willing to change your sports car for a safer sedan? What about a blue car rather than a red one? This makes a difference to some agencies who believe that red cars get more speeding tickets while blue ones don’t, thereby reducing your rates. Find out the nooks and crannies of getting your auto insurance quotes online and the lowest rates possible. Start your search now.

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