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I read an interesting article at this Channel 2 news site. Turns out a Tulsa resident had done like most of us do and went online trying to find a cheap insurance policy for his car.

In fact, he picked a company that lets you ‘name your own price’.

Yes, he saved a good bit of money on his premiums, but when it came time to NEED that insurance, he realized how bad of a deal he actually got.

The Tulsa resident got into an accident and contacted his insurance company.

Can you guess what happened?

This is what this resident had to say about what happened next:

“I took for granted I’d gotten full coverage. I didn’t inspect the actual policy thoroughly. Turns out I didn’t have full coverage so now I’m left with the rest of my car loan and the expense of towing on a car I can’t drive.”

That’s NOT a good deal, is it? And definitely NOT worth saving some money each month if you end up with less coverage than you need.

Now he is stuck paying way more out of his pocket that he ever would have saved with that ‘name your own price’ policy.

Cheap is good IF it covers you properly.

Be sure to really read the policy you are buying. Ask questions as well. Auto insurance is not something to be taken lightly.

There very well could come a day when you need it. If the policy and additional coverage you need is not there to protect you, you’ll find yourself paying a LOT out of pocket.

This is especially important if you are making payments on your vehicle. If you insurance plan does not cover your accident and your car is considered a total loss, YOU are still responsible for paying that loan off.

And that is no fun at all.

The following scenario happens every single day at law offices across the United States…

A potential client who has suffered devastating injuries in a car accident and was hospitalized calls an attorney. Her hospital bills alone exceed $45,000. The first question the attorney asks is “How much UM Insurance do you have?” The client almost always responds, “UM, what’s that?”

Uninsured or Underinsured Motorist Coverage, or UM for short, is optional insurance that is part of your car insurance policy. It covers you if you or are hit by either an uninsured driver, a hit-and-run driver, or in some cases when the other driver has inadequate insurance to pay for your total loss. UM is essentially insurance against the other driver not having enough insurance. You buy it to protect yourself.

So why don’t more people have it?

UM is optional coverage and many insurance companies don’t suggest you purchase it. Unlike liability insurance, where they can look at your own driving record to predict your risk, UM is protecting against all the other drivers on the road, something impossible to accurately calculate and therefore price well.

2 Types of UM Insurance

If your insurance company ignoring UM coverage were not enough injustice, there is a rule in some states such as Georgia known called the Reduction Rule. Surprisingly, you may not be entitled to the full amount of your UM – the insurance you have been paying premiums on. The Reduction Rule says you only get the difference between the other driver’s liability coverage and your UM coverage. An example is in order.

If you have $100,000 in UM and the other driver has $25,000 in liability coverage, you are only entitled to $75,000 of your UM, not the full amount. This is because your UM coverage is reduced by the other driver’s insurance.

Even more unfair is where you have $25,000 of UM and the other driver has $100,000 bodily injury coverage. Here you do not get any of your UM because it’s less than the other driver’s coverage.

The better type of UM is called Add-On. Add-On is probably what most people think of when assuming how UM insurance works. Add-On coverage takes your coverage amount and adds it on to the at fault driver’s insurance policy. This gives you the full value of the insurance you thought you purchased and had been making payments on.

So, the takeaway here is to first understand whether your State uses Reduction or Add-On and then assess how much UM you can afford. At least $100,000 is preferable.

For more information on insurance issues pertaining to personal injury claims, please visit http://AtlantaPersonalInjuryCenter.com. Atlanta Personal Injury Center is a site written by an Alpharetta personal injury attorney that is dedicated to helping everyone understand all the aspects of their personal injury case.

Many college students today drive their own cars, and because a lot of them are recklessly driving their cars while intoxicated, they are prone to road accidents. Consequently, auto insurance companies now offer car insurance for college students at a high cost. If you have car insurance, the insurer will pay for the repair of the automobile if it is damaged during an accident. Maintaining car insurance involves paying monthly, quarterly, or yearly premiums.

For students with cars, auto insurance is necessary for several reasons. The best car insurance for college students offers the following benefits:

1. Protection of investment (in this case, the automobile itself)

2. Compensation for medical bills sustained because of the car accident

3. Compensation for all costs incurred due to the accident

4. Compensation for car repairs due to vandalism or natural calamities

5. Compensation after car theft

6. Peace of mind

College students should consider getting auto insurance for the above-listed reasons. However, it is sometimes hard to give advice to carefree young adults. One problem is that many of these young people still ask support from their parents. So it is probably the parents that should get car insurance for their sons or daughters who drive their cars. Those students who work part-time do not have enough funds to support a decent insurance policy for their automobiles.

One problem is that car insurance can get expensive, especially if a comprehensive coverage is chosen. Complete auto insurance includes protection for accident, damage, theft, vandalism, and third party claims. Many students can only afford basic insurance coverage. College students may decide to choose low-cost insurance, which anyway would be able to cover usual car damages.

Another problem regarding auto insurance is that a lot of insurance providers are reluctant to approve applications done by students. The reason is that high cases of reckless driving and over-speeding involve college students. This is why cheap automobile insurance policies for college students are hard to obtain. Insurers will check the driving records of the student and the condition of the car. Students should search earnestly for companies that provide the most favorable insurance products.

Some insurance companies provide fine deals for the sake of competition. To not be fooled by seemingly good deals, ask quotes from different insurers and look into the details of their insurance products. At the same time, it is also essential to look at the testimonials. The reputation of the insurer should be considered.

How can you increase chances of getting the best car insurance for college students?

1. Keep good driving records. Even one “driving while intoxicated” record can cause any insurance firm to raise cost of premiums.

2. Have good academic standing. Since you are a student, it would be wise to show insurance companies you are doing well in school. The assumption is that students with good grades are more responsible and are less likely to be involved in road accidents.

3. Own a good car. A good car is a car with standard safety features. Generally, one can get low-cost insurance policy for a more recent car.

For more information about the best car insurance for college students and finding car insurance for college students visit our website carinsuranceinet.com.

Is Your Current Car Insurance Company Ripping You Off Again?

Finding Inexpensive Car Insurance Quotes Is Easier Than You Think
Most people are aware that finding dirt cheap auto insurance quotes online is in the best way to save money on car insurance. Saving hundreds of dollars doesn’t suck and depending on how good your driving record is you can save money big time. But even if you have a bad driving record, you will be able to find better deals online than you would if you were to deal with individual brokers in your home town.

If you’re one of those people who has a pocket full of cash and doesn’t like to compare the costs of your auto insurance then this information is not for you. But if you are like most of us; saving a few bucks by shopping around for the best deal keeps those dollars in our wallets at least a little longer. Dirt cheap auto insurance quotes can be found online easily. If you fill out a little information like the type of car you drive, your age and the state you live in; you can have various offers sent to you from many different insurance companies to compare. You choose the best rate listed for your budget and drive safely and securely knowing you are covered by a great policy that won’t make you go broke.

If you like to get the best bang for your buck, then you should find dirt cheap auto insurance quotes and do your own comparison. Make your spouse or mom and dad happy when you bring a policy with lower rates and the same or better coverage to the family budget meeting. Shopping for insurance coverage doesn’t have to be difficult anymore. Just a few clicks with your mouse and you’ll be making educated comparisons from the comfort of your own room or couch.

Do You Have a Bad Driving Record? Have No Fear…
Now remember, if you’re concerned about having a few tickets on your record or having an accident or two on your driving record, you can still find a better deal online. These days, insurance companies are being a little more lenient when it comes to individual’s credit histories and driving records. They need the business to stay in the insurance game so they are willing to offer you good deals even if your driving record isn’t so great. Don’t be discouraged; take a chance and find your own dirt cheap auto insurance quotes online today.

No matter how old you are, the condition of your driving record or the type of vehicle you drive; it is possible to find better insurance rates online. Finding the best price for your individual needs is no longer a mystery.

How to Get Dirt Cheap Auto Insurance Quotes in 5 Minutes or Less:
CLICK HERE for my top 3 recommendations on cheap car insurance quote providers. Within 5 minutes or less, you’ll receive multiple quotes from several national and local providers. Best of all, it’s completely FREE, with absolutely no obligation whatsoever.

No need to wish you luck…it’s fast and easy to get cheap auto insurance rates!

15 Ways To Get Insurance Discounts – plus bonus tips!

There are many car insurance discounts available – thing is, many people don’t know about them. Let’s take a moment and talk about 15 ways you can save on your car insurance so you are informed and get any and all discounts available to you. Above all – Make sure to choose the proper auto insurance for you and your family; one that covers everything you need it to. Research is always a great key in finding the insurance company and policy that’s right for you. These 15 tips below will help guide you on the path to finding the best auto insurance discounts.

#1 – If you have tickets or points on your driving record that are about to disappear, you want to consider waiting to purchase insurance until it does. By having tickets or points on your record, you could end up paying far more for insurance than you would if you waited until these were gone.

#2 - Purchase commercial auto insurance if you use your personal car to deliver property or humans from one location to another for business, or even if you volunteer to do it on an ongoing basis. Insurers call this type of vehicle usage “livery.” Most personal auto insurance will not cover you if you get into an accident while using your personal car for livery purposes.

#3 – Know the value of your car and get coverage accordingly. If your car is old, then it probably doesn’t make sense to have full coverage on it, but you may want full coverage if you have a new car. Also, look into purchasing Gap insurance for the first couple years that you have a new, financed car that was purchased using less than twenty percent down.

#4 – Keep up a high credit score. Most states allow the auto insurance companies to consider your credit score when figuring the cost of your auto insurance premiums. Claiming that people with lower credit scores are a bigger risk, auto insurance companies charge higher premiums to people with poor credit than they do to people with good credit.

#5 – If you drive an older vehicle, you should consider reducing the amount of your insurance coverage. Think about dropping unnecessary coverage for any car worth less than about ten times the cost of coverage. The reality is, if you make a claim for this vehicle, the amount you receive might be less than your auto insurance.

#6 – Are you a student under the age of twenty five? If so, you may be able to get a discount on your auto insurance, this good student discount is available from many companies. You may have to provide a copy of your latest transcripts from school as proof, but for the money off your insurance cost it is well worth your time.

#7 – Keep your vehicle secure with anti-theft devices and a garage if possible. If there is a great risk to the vehicle’s security, it is likely that you will receive much higher insurance rates than if the vehicle were more secure. An anti-theft device such as an alarm and a garage to house the vehicle can keep your rates down lower.

#8 – Let your auto insurer know if you are part of a car pool. The less time you spend driving, the better the discount you can get on your auto policy. Depending on how much driving time you cut out thanks to participating in a car pool, you could get a discount up to twenty-five percent.

#9 – Learn what the best auto policy is for you by researching on your own. Don’t expect the insurance company employee to tell you. An employee can help guide you through policies, but might not have in mind what is best for you. Depending on what type of commission plan an agent receives, the employee be steering you toward policies that are in the best interest of the employee’s paycheck.

#10 – Check for blemishes on your driving record. Infractions on your record can affect your auto insurance rates, and it is possible that there is old or incorrect information on yours. Knowing what’s on your driving record before you seek out insurance will let you know what you need to deal with ahead of time.

#11 – Pay your auto insurance premiums in full. There are usually added fees tacked onto your rates if you decide to stretch your payments to monthly payments or even once-every- two-month payments. Also, rates are often cheaper when you have them set to auto-debit from your checking account instead of using a credit card to pay them.

#12 – Ask about car insurance discounts. There are many discounts in the auto insurance world and safe driver discounts are among the most common. You want to make sure that you are getting any discount that you are entitled to, so have the auto insurance representative run down the list of discounts offered and explain how to qualify for them.

#13 – Be sure to ask your insurance agent about car insurance discounts for having all of your insurance coverage with him or her. When you have your car, homeowners, health and dental insurance all in one place, you may qualify for a good discount. Additionally, if you have multiple cars to insure, it may lower your rates.

#14 – When you are hunting car insurance discounts, check with all of the clubs and organizations you belong to, not just auto-related ones. Professional organizations and major service clubs (like the AARP), often have car insurance deals to offer to their members. Taking advantage of organizational discounts can save you plenty of money.

#15 – For your service to your country there is often times great benefits, one of them is military auto insurance discounts. Practically every insurance company will offer good discounts to service men and women. So if you have been or are serving our country do not forget to mention this to the person quoting you a policy.

A simple way to make sure you are getting all of the auto insurance discounts you are entitled to is to simply ASK your insurance company for a list of every discount they offer. You can work your way through this complete list to find every possible discount that may apply to your situation.

Make sure that you do your end of the research and know what company you are signing with. The tips above are a great start on your search for the right company. Hopefully you will save some money in the process!

Recently I was sitting down with my car insurance agent when a type of auto insurance discount was brought to my attention (and it REALLY surprised me!)

I have had to deal with expensive car insurance rates for both a teenage son and a teenage daughter. Now, it was definitely more expensive for my male child, but I was surprised to see just how expensive it was for my teen daughter when it came time to make her an insured driver.

When asking my agent about discounts, we were told about the good student discount (which we grabbed up) as well as some other more common discounts for her insurance rates.

Suddenly, my agent asked me if my 19 year-old daughter had any children. I was a little taken aback and said “Oh my, No!”.

My insurance agent just sighed and said -

“That’s too bad!”

I gotta admit, that is the first time I have EVER heard someone say “That’s too bad” about a teenager NOT having a child.

Turns out that when a young driver who is used to paying expensive insurance premiums has a child, the insurance “powers that be” decide that suddenly this young woman is more responsible and will drive more safely.

And that applies a discount to your car insurance!

Go figure!

But hey, take what you can get. We’re all after cheap discount auto insurance, right!

So, all you young single moms out there – TELL your auto insurance company that you have a child. It could save you some money on your car insurance premiums!

(also, getting married can offer you an auto insurance discount, too!)

Is there a wedding in your future? Great! Congrats! With all the planning to do for your upcoming marriage – from wedding invitations to your first dance song – be sure to take a little time to save on your future. Did you know, that simply getting married could be a significant car insurance discount for you?

While it isn’t a guaranteed savings opportunity, it is absolutely worth mentioning to your insurance company.

Why?

Let’s take a 22 year old male… single. His car insurance rates are probably very high. The reason is due to the law of averages which show that young single males tend to have more claims on their policy.

(easy, guys – I’m not saying ALL single males cause wrecks…just a large enough percentage to cause car insurance rates to be higher for that gender and age bracket)

Now, take that same 22 year old male – and instead of being single, he is married.

What happens to guys when they get married? They tend to settle down – become more responsible (easy ladies, I know this isn’t true of ALL newly married younger guys!)

However the odds of a young man settling down, becoming more responsible, and causing less claims on their auto insurance policy is good enough to where many car insurance companies will lower your rates – just for getting married.

So, as soon as you say “I Do”, vow to call your insurance guy (or gal) and let them know you got married. You might find a great discount for your auto insurance!

If you own a car, truck, SUV, or motorcycle in New Jersey, you will be interested in New Jersey auto insurance quotes. The state of NJ requires you to have three types of insurance on your car.

First, New Jersey Law says that you must have liability insurance that pays if you are the cause of an accident.

You must also have personal injury protection, or PIP, insurance.

Finally, you must have uninsured motorist coverage.

To get the best auto insurance plan and cost, you should get New Jersey auto insurance quotes from more than one agent. Some car insurance companies offer to give you comparisons of auto insurance rates from many different insurance carriers, allowing you to choose which fits your needs best.

You can use the internet to find discount insurance quotes online, or you can call carriers that insure vehicles in New Jersey and ask for a quote.

Of course, if you have a particular insurance company you have a relationship with because you’ve been working with for many years, you will want to allow them to provide you with New Jersey auto insurance quotes first. It’s common for your current provider to do their best to try and keep you as a customer.

If you current insurance provider doesn’t offer a quote that suits you, check around – there are many companies to choose from.

Read: How to Find the Best Car Insurance for more information.