Auto Insurance Riders Current Rates, News & Information
Auto Insurers Should Not Pay Claims Caused By Cell Phone Use
Posted in Auto Insurance , Auto Insurance Riders , Liability
February 22nd, 2011
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How do you change behavior and poor decision making amongst people? Sometimes you have to motivate someone in order to change their habits. That is one of the reasons that the United States has one of the lowest personal savings rates in the world; there is no incentive to save, but there are several incentives to go further into debt. 
Is Paying for Auto Insurance Extras Worth the Added Cost?
Posted in Auto Insurance , Auto Insurance Riders , Liability
December 2nd, 2010
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If you’ve ever purchased your own auto insurance policy then you already know that there are tons of extras that companies try to sell you in addition to your standard liability coverage. Most of the extras are actually very beneficial to drivers but can be purchased from other places.
Insurance Riders: Overview
Posted in Auto Insurance Riders , Life Insurance Riders
September 29th, 2009
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No two people are exactly alike, and therefore they will require different needs from their insurance coverage. Unless you are 100% average, chances are that your insurance policies including auto, home and health will all include some type of insurance rider to help customize a policy to meet your specific needs. When it comes to insurance coverage, a “rider” is defined as an additional set of conditions that are supplemental to the the basic package offered by the insurance company.
You May Have an Accidental Death Benefit in Your Auto Insurance Policy
Posted in Auto Insurance , Auto Insurance Claims , Auto Insurance Riders
April 7th, 2009
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Accidental death benefits are a type of additional coverage that can be added to your auto insurance policy. The rider (a contract authorizingadditional coverage for something specifically not covered within an auto insurance policy) will pay out an amount of money to cover the funeral expenses of a person killed in a car accident. Typically, the maximum payout benefit for an accidental death benefit is $5000. To add that level of protection on your policy would cost approximately $100-$125 annually. This type of accidental death benefit is different from the accidental death or dismemberment insurance that may be offered along with your life insurance or health insurance plans.
Important Additions to Your Auto Plan: Towing and Labor Coverage
Posted in Auto Insurance , Auto Insurance Riders
March 2nd, 2009
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If you’re like most people, you want to feel as safe and secure as possible, especially when you’re out driving around. What would happen if you were driving across the country, for example, and you had a major car problem that forced you to pull over, and left you unable to continue? It happens all the time. In order to prepare for just such an emergency, it is recommended that you make an important addition to your auto insurance plan: get the optional towing and labor coverage.
Important Additions to Your Auto Plan: Gap Coverage
Posted in Auto Insurance , Auto Insurance Riders
February 25th, 2009
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If you have auto insurance, or are thinking about getting it, you may want to consider adding on gap coverage. Gap coverage, which is an optional form of car insurance, protects people with big car loans that they’re going to be paying off for a while. This way, with gap coverage, you as a car owner will never find yourself in a position where you’re paying off a loan on a car you can no longer drive due to an accident.
Important Additions to Your Auto Plan: Rental Reimbursement
Posted in Auto Insurance , Auto Insurance Riders
February 18th, 2009
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When it comes to auto insurance, the rule of thumb is the more coverage you have the better. By spending more money each month on a higher premium that provides you significant financial protection, you are making sure that you will not be hit with potentially catastrophic bills should something unfortunate happen. Besides towing and labor coverage and gap coverage one thing to pay extra for is rental reimbursement, in case your car becomes inoperative due to mechanical repairs.
Roadside Assistance and Towing Coverage
Posted in Auto Insurance , Auto Insurance Riders
January 14th, 2009
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If you own a car, you should really invest in roadside assistance and towing coverage. This will allow you to call your insurance company if your car breaks down, and youre unable to drive it. A tow truck will come to get you and the car, towing it to an auto mechanics garage where it can be assessed. This coverage could really come in handy if you damage your vehicle and need assistance.
Loss of Use / Rental Coverage
Posted in Auto Insurance , Auto Insurance Riders
January 7th, 2009
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When it comes to auto insurance, we can takes steps to make sure we will always have a car, even when our own isnt working or has been stolen. How? By adding loss of use and rental coverage to our overall auto insurance package. You would not go light when getting rental insurance for a rental car, so why would you not have similar protection for your car? One thing that is true of just about everyone is that we tend to take the things we rely on the most for granted until we lose them.