Car Web News

Ar e you in the market for car insurance? It can be difficult to sift through all your options and find the company that’s right for you. Here are just five tips for finding someone who will watch your back on the road. 1. Compare and Contrast Shopping for car insurance isn’t a process that should be done in a day. You’ll need to devote some time to it especially if you’re looking for something in particular like insurance for teens. Don’t be afraid to take your time, shop around and find the insurance provider that meets the unique needs of your unique family. 2. Know the Types Auto insurance comes in a variety of categories. For example, liability coverage will protect your vehicle in the event of an accident, but comprehensive collision coverage might pay for your new tires and your medical bills. It all depends on your insurance company and service package. 3. Stay Local Find a local agent  if you want the best deal on car insurance. The prices quoted on the company website ar...

Some of the major living expenses for Americans these days are home and auto insurance. Policies are pricey, but you can keep costs down by qualifying for discounts. Give a licensed agent a call and ask whether you are eligible for savings opportunities. Home insurance discounts Home-auto.  Bundling your home and auto insurance by purchasing both policies from the same provider is one of the best ways to save money on your insurance. The price reduction on your premiums can be immense. Safety features.  Keeping your home and family safe is also cost-effective. If your house is equipped with smoke and fire detectors, deadbolts or an alarm system, you might qualify for a discount. Claims free.  Insurance providers are eager to partner with customers who are unlikely to experience a mishap and file a claim. If you have gone claims-free for some time, you’re deemed less likely to file a claim in the future. Your claims-free history makes you good business, so you migh...

We all know that catchy, advertising phrase, but does anyone ever really switch car insurance? I certainly hadn’t for about 10 years, until this week when I realized how silly it was to not even check for better deals. I’m pretty dedicated to frugality and good deals in most areas of life; why hadn’t I bothered to see what sort of options I had for insurance? It turns out that my assumptions and preference for the status quo were holding me back from an easy win, just like they have countless other times in my life and probably in yours as well. Past Experiences It’s not like I had never thought of the idea. I’ve probably heard a dozen times from various blogs or podcasts that shopping around for better insurance rates is on par with cutting your cable service when it comes to bang-for-your-buck (or rather, return on your time). It takes less than an hour and saves you hundreds to thousands of dollars over time. That’s a whole lot better than the hourly rate I make at the ol’...

Most common types of car insurance discounts Driver history These discounts are based on things you’ve done in the past (or haven’t done, in the case of the good driver discount). Driver history discounts are quite common and are often the biggest discounts that carriers offer, so qualifying for these can save you a major chunk of change on auto insurance. Good driver discount:  If you haven’t had any accidents or traffic violations during the past three years, most insurance carriers will give you a good driver discount—though a few carriers require as many as five years of perfect driving to earn this discount. Defensive driving discount:  Passing a licensed defensive driving course can get you a reduced rate, although you’ll likely have to retake the course every year or two to hang onto the discount. Driver training discount:  Drivers under the age of 21 who take an approved driver training course may be eligible for a discount. Since car insurance rates for...

If you’re a business owner who works at home, or you earn an income from work you do at home your insurance coverage could be affected and may not provide proper coverage.  Is Your Business Activity Covered? A standard homeowner’s policy does not cover business activities and this includes you, supplies, materials or clients/visitors who are on your property for business purposes.  For example, if you are an artist and create works from home that get destroyed in a fire, your home policy could deny covering the loss.  Proper Liability Insurance Coverage It’s especially important to have proper business insurance in place if you have employees who work in your house and get injured.  Even though you are the homeowner and have a homeowner’s insurance policy, you or your employees may not be covered if injured while performing business activities.  Separating Home and Business Insurance Even if you don’t have inventory and work alone from home, the ne...

DUIs are on the decline nationally—the  National Highway Traffic Safety Administration (NHTSA)’s latest study  even notes that drunk-driving fatalities have decreased by one third in the past three decades. This is likely due to the rise of research and educational initiatives aimed at raising public awareness of the dangers of impaired driving. But that doesn’t mean the issue doesn’t persist across the country. In fact, someone dies from a drunk driving accident every 50 minutes—that amounts to 29 fatalities a day, according to the  Centers for Disease Control and Prevention (CDC) . Additionally,  over a quarter  of all traffic-related deaths are the result of alcohol impairment. Across the nation, some cities and towns see a markedly higher prevalence of DUIs—posing a threat to those communities’ drivers. Interested in which cities are home to the most offenders, the data scientists at Insurify, a car insurance comparison shopping website, sought to rank...