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Rochester Car Insurance Help

Written by Michele Wilmonen. Posted in Research Last Updated: 07/22/2014

A simple guide to Rochester car insurance.

Rochester car insurance car insurance can be confusing and can be the source of many questions. What are the minimum coverages you need to have to legally drive in the State of New York? How much does Rochester car insurance usually cost?

Do I really need Rochester car insurance?

Trusted Choice insurance agency has put together a great visual that can help to answer those questions and more. If you have specific questions about Rochester car insurance, contact your local agent.

Rochester car insurance

A Trusted Choice insurance agency on the basics of Rochester car insurance and all other parts of the State of New York.

Spokane Car Insurance and Traffic Laws

Written by Michele Wilmonen. Posted in Research Last Updated: 07/20/2014

Keep Your Spokane Car Insurance Down by Keeping Traffic Laws in Mind

spokane car insurance

Keep your Spokane car insurance rates beautiful by following traffic laws.

Nothing will raise your Spokane car insurance rates faster than racking up traffic violations on your motor vehicle report. The more violation points you get, the less your insurance company trusts your driving ability. This means that you have just given them the perfect (and legal) excuse to jack up your insurance rates.

Your best course of action is to keep your driving record clean, and for Spokane drivers here are a couple traffic violations to be aware of.

Red Light Means Stop

Spokane drivers are notorious for running red lights. This is a very dangerous driving practice which will not only earn you a traffic ticket and higher insurance rates; it is also a prime way to cause a very serious car accident.

So once that traffic signal turns yellow, slow down and prepare to stop for the upcoming red.  That yellow light is not there to give you a second chance to get through the intersection.

We aren’t all NASCAR drivers

In addition to running red lights, speeding is the next easiest way for Spokane divers to find themselves with higher car insurance rates. Getting to your destination a minute or two faster by driving over the speed limit cannot be possibly worth the fine you will have to pay for your traffic ticket, as well as the three years of elevated car insurance premiums that you will have to endure.

So keep it around the speed limit to keep that extra money in your wallet where it should be.

Spokane Car Insurance Laws

Spokane car insurance laws are created by the State of Washington, so they are the same whether you are in Spokane or Seattle. To be able to drive you have to have no less than the following coverages:

  • $25,000 for injuries or death to another person
  • $50,000 for injuries or death to all other people
  • $10,000 for damage to another person’s property

Without these coverages you are subject to traffic fines, higher insurance premiums once you do get Spokane car insurance and three fun-filled years of having to pay even more for your car insurance thanks to the SR-22 filing that you will now have to have.

So as you can see, keeping your Spokane car insurance rates where you can afford them is as easy as following the most basic of traffic laws.

100 Deadly Days of Teen Driving

Written by Michele Wilmonen. Posted in Research Last Updated: 07/17/2014

Summer + teen drivers = accidents and higher car insurance rates.

Teen drivers are more likely to get into a fatal car accident in the summer than during any other time of the year.  The National Safety Council has these awesome tips for parents to help keep their teen drivers safe and also keep their car insurance rates down.

The 100 deadliest days for teen drivers
Provided by Drive It Home

The Cost of No Birmingham Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 07/16/2014

Birmingham car insurance can be expensive, but so can not having it.

birmingham car insurance

Drive without Birmingham car insurance and your wallet could end up as empty as these streets.

The State of Alabama requires that all of its drivers carry mandatory liability insurance. This insurance makes sure that you are able to pay for any damages that you may cause to another person’s property or any injuries you may cause to another person.

Specifically, you are required to carry 25/50/25 limits for this Birmingham car insurance coverage. These numbers mean the following:

  • 25 = $25,000 in coverage for the medical expenses of one injured person
  • 50 = $50,000 in total coverage for the medical expenses of two or more injured people
  • 25 = $25,000 in coverage to pay for damage to another person’s property

If you try to get out of paying for this mandatory insurance, you will find that it will end up costing you a lot more money than just getting the insurance in the first place.

Going Without Birmingham Car Insurance

The price to go without Birmingham car insurance is $500 for the first time you are caught without it and $1,000 for each time after that. Think about this, how many of you out there pay that amount for your mandatory liability insurance? And these fines don’t do anything for you. So save yourself some money and just pay for the car insurance.

In addition to the fine, you can lose your driver’s license for up to 6 months. So don’t forget to add in taxi or bus fare when you are trying to figure out if it is cheaper to get the Birmingham car insurance or go without it.

Let’s Compare

While driving without Birmingham car insurance is not as stupid as driving drunk, it is still stupid, and the State of Alabama thinks so also. The jail time and license suspension is a lot harsher with a DUI (and it should be) than with getting caught without car insurance, but the fines are comparable.

For your first DUI, the fine can range from $500 to $2,000. The fine for getting caught without car insurance for the first time is $500.

For your second DUI, the fine can range from $1,000 to $5,000. The fine for getting caught without car insurance for the first time is $1,000.

So the fines for driving without car insurance are the same as the minimum fines for DUI convictions; which shows you how serious the state is about insurance.

So save yourself money and contact a Birmingham car insurance agent today to get the mandatory liability coverage if you don’t already have it.

(Source Alabama.gov)

Three Reasons Why You Need San Bernardino Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 07/12/2014

San Bernardino car insurance may feel like a financial burden, but here’s why you need it.

San Bernardino Car Insurance

Before you hit this historic highway, you need San Bernardino car insurance.

Paying for San Bernardino car insurance can sometimes feel like you are paying something for nothing. Unless you have to use it, you really have nothing to show for the money that you keep handing over to the insurance companies month after month.

But, if you ever do need it you will be very grateful that you have it.

Reason #1: San Bernardino Injury/Fatality Statistics

Per the California Office of Traffic Safety, San Bernardino County had 11,627 people killed or injured in car accidents in 2011. The City of San Bernardino alone saw 978 injuries/fatalities.  If you or a family member is ever injured or killed in a car accident, you may think that you can get away with not having San Bernardino car insurance coverage because you have health insurance.

However, your health insurance company will balk at paying your medical bills until they have investigated as to whether or not there is a car insurance policy that is responsible for paying your medical bills; which could delay your care. Your health insurance also does not cover lost wages or funeral expenses in the event that you or a family member is killed in a car accident.

And if you cause the injury or fatality of someone in another car, your health insurance would never cover it.

Reason #2: Outside Factors

You may think that you will never get into a car accident, so you really don’t need San Bernardino car insurance. You may be correct in this thinking, and then again, you never really know when a car accident may happen. It could be a stormy night when you can’t see very well or there is little traction on the road. It could happen when you experience a medical emergency while you are driving. It could even happen when you let someone else borrow your vehicle.

In other words, there are many times when it can happen due to circumstances beyond your capable driving abilities.

Reason #3: California Requirement

In the end, you need San Bernardino car insurance because the State of California requires it. You don’t have to have all of the coverages that are available, only liability coverage. More specifically, you have to have these coverages:

  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for damage caused to another person’s property

Again, these are just liability coverages, so keep in mind that they will not cover any damages to your vehicle or injuries to those in your car. For coverages that will meet both the California requirements and protect your vehicle and those in your car, contact your San Bernardino car insurance agent.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.