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Arizona Car Thefts Decline – But Car Insurance Rates Go Up

Posted in Auto Insurance

August 10th, 2009
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Drivers in Arizona will be glad to know that the number of yearly car thefts in their state has declined. Good news, of course. As a result, many people will then be wondering if this will result in a corresponding drop in car insurance rates for the Grand Canyon State. After all, the less thefts, the less car insurance claims, and that should benefit everyone. Unfortunately, this is not the case. A drop in the number of car thefts does not result in a drop in car insurance rates for a variety of reasons. In fact, Arizona car insurance rates are on the rise.

Total Loss Series: Cost of Repair vs. Actual Cost Value

Posted in Auto Insurance

August 7th, 2009
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Continue to Chapter 4: Unfair Aftermarket Parts Valuation >>>

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How Auto Insurance Rates are Affected By Bad Credit

Posted in Auto Insurance

August 6th, 2009
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What does your credit rating have to do with the rates you pay on auto insurance? It may not make much sense to you, but aside from your driving record, the state of your personal finances can play a major part in determining whether or not you can get the best auto insurance rates when it’s time to buy car insurance. Drivers with good credit ratings are considered a good risk. Drivers with bad credit get penalized, and can pay 20% or even 50% more on auto insurance than someone with spotless credit.

Is Collision Coverage Always Important to Have?

Posted in Auto Insurance , Collision Insurance

August 5th, 2009
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Collision coverage, that part of your auto insurance that covers damages caused when you get into an accident, will be applicable regardless of who is it at fault. It’s very important to have collision coverage in order to protect your car. For some car owners it is crucial, if not mandatory – if their car is owned by a bank, the bank will require that the car have collision insurance. However, other drivers may want to consider whether they really need collision insurance in the first place.

US Consumers Can Lower Their Car Insurance Rates

Posted in Auto Insurance

August 4th, 2009
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While there’s no federal bailout in the works for people struggling to make their car insurance payments, many US consumers are looking for ways to make sure they get the most for their money when it comes to auto insurance. In a precarious economy, it’s no surprise that a lot of Americans are reassessing or re-evaluating their basic living expenses across the board. Many people are trying to find ways to save money these days. One of the ways you can trim your monthly budget is to take a good, hard look at your insurance expenses and see how much you really need.

Total Loss Series: What Does it Mean When Your Vehicle is Totaled?

Posted in Auto Insurance

July 31st, 2009
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Continue to Chapter 2: Calculating Total Loss >>>

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Total Loss Series: How Do Claims Agents Calculate Total Loss?

Posted in Auto Insurance

July 30th, 2009
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Continue to Chapter 3: Repair and Cash Value In Depth >>>

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How to Lower My Auto Insurance Rates

Posted in Auto Insurance

July 29th, 2009
3 Comments

Many people would like to pay less for auto insurance but don’t know what they need to do to get the lowest auto insurance rates. You may think you need to live with high rates because of a bad driving record or dinged credit report. However, there are a few simple things you can do to lower your car insurance rates, regardless of your history or driving record.

Why Lower Auto Insurance Rates Aren’t Necessarily Better

Posted in Auto Insurance

July 28th, 2009
5 Comments

When you are shopping for auto insurance, you’re probably thinking primarily about getting the best deal and the lowest car insurance rates you can find. There’s no doubt that it’s important to get the best policy you can for your money, and part of that is finding the cheapest rates on car insurance. But low rates shouldn’t be the only thing you are thinking about when it comes to buying auto insurance. Your car is a major investment, and there are many other things you should take into consideration when choosing an insurance company.

Why You Benefit from Collision Coverage Auto Insurance

Posted in Auto Insurance , Collision Insurance

July 24th, 2009
2 Comments

With collision coverage, everyone benefits. You, the owner of the car and the collision coverage policy, benefit because you will be financially protected (after paying your deductible) should there be an accident involving your car (and another good thing about collision coverage is that it applies even if you are responsible for the accident). In addition, if you’re paying for your car through an auto loan, the lender benefits because their asset – your car – is protected as well. No bank or other lending institution would be responsible for repairs to your car, but they definitely do not want to see their asset be damaged without insurance.