Find Cheap Car Insurance in 4 Easy Steps

According to a recent study, 1 out of 3 consumers pay more than necessary for car insurance. This is because most drivers fail to shop around for cheap car insurance. Instead, they simply accept the quote their insurers provide them.

Young drivers, in particular, pay a lot more than the average since they are more likely to claim. Remember, the more you know about how insurance works, the lesser your premiums will be.
Whether you’re young or old, male or female, follow these easy steps and get cheap car insurance.

4 Easy Steps for Finding Cheap Car Insurance

Compare prices
If you want to get the best deal, this is the first step you need to take. Go online and get quotes from different insurance companies. You can use an online comparison service to do the hard work for you.

When shopping around for cheap car insurance, make sure that you are comparing like-for-like cover.

Due to the increasing number of car owners looking for cheap car insurance, the car insurance market today seems to be notoriously competitive. So, once you have found a good deal, get on the phone and start bargaining.

No-claims discount
A long no-claims bonus is one of the best ways of reducing the cost of your auto insurance. Drivers who don’t claim are entitled to more than 50% off their premium.
If you have been in a minor accident, choosing to pay for the repairs yourself and safeguarding your no-claims discount might be your best option.

Make your car more secure
Keeping your car securely locked inside the garage will not only give you peace of mind, it may also result to a cheaper car insurance. Mind you, car owners who make it more difficult for thieves to steal their car are more likely to pay less for their car insurance.

Uninsured Drivers Beware!

Driving Without Auto InsurancePost Dates July, 22 2014 – Although uninsured drivers in Pennsylvania and New Jersey live with the harshest financial penalties for driving a car without an auto insurance coverage; other states invoke other penalties much more severe.  Ohio uninsured drivers must also deal with the inconvenient punishment of having your car taken away  from you and impounded by the local or state police.

The enforcement of any state car insurance laws requires uninsured drivers purchase at least a minimum amount of auto insurance.  

This state minimum auto insurance limit in all states starts as a bill which outlines the penalty that will allow law enforcement agencies to tow the cars of those uninsured drivers caught driving without the required auto insurance policy in that state.

Uninsured drivers caught driving without an auto insurance coverage can be towed by law enforcement even if it is their first offense. Before the passage of these laws,  only the vehicles of second-time offenders are being towed by law enforcement.

If you have an expired policy and that you don’t feel the need to renew it, or if you are one of those thousands of Americans whom are uninsured drivers – you may not feel threatened by the penalties being instituted. THINK AGAIN!

It’s easier than ever for Law enforcement to confirm the fact a car or driver does not have auto insurance.  Legislative efforts in most  states give law enforcement agencies the ability check if a vehicle or driver is insured. Auto insurance status is now available with the use of state auto registration database’s.

Uninsured Drivers should be reminded to maintain the state required auto insurance coverage in the you live.    These laws are not just to protect the driver themselves, these laws, fines and penalties exist to protect uninsured drivers from destroying the lives of other people.

PA Car Insurance Death Statistics Tops 300

PA Car Insurance Death StatisticsPost Date May 4, 2014 – In their annual management report for 2013,  PA car insurance claim statistic’s showed Philadelphia automobile fatalities reached nearly 300. This is much higher than its preceding year which PA Car insurance deaths in Philadelphia were less  than 240 deaths from auto accident.  According to PA car insurance claims statistics, nearly 120 of the nearly 300 deaths involved drivers and their passengers. This is 50% higher than 2012. In a similar statistic, were 200 deaths in the city attributed to those riding a bike or motorcycle.

PA car insurance deaths are the focus of a recent study

The recent annual management report shows a true anomaly in traffic fatalities for the last fiscal year since the year 2003. PA Car Insurance death statistics had been showing a decreasing number of auto deaths. The report even showed there was an increase in auto deaths to 291 in 2012 despite trends on four consecutive years were still dropping.

Although there is an increase in traffic deaths, the number of traffic accidents had actually dropped since 2011. Most of the traffic deaths in Philadelphia transpired on highways like Roosevelt Blvd and I-95.  Factors being attributed to the PA car insurance death statistics are speeding, running red lights/stop signs, and DUI and DWI. These account for over 50% of these traffic deaths.

It has been reported PA Department of Transportation have speed bumps and speed  in specific problem areas  to slow down speeding car in more populated areas such as schools. There are now  near 330 speed humps in the City of Brotherly love. Other safety improvements executed by Department of Transportation include the redesigning and construction of streets near schools as part of the department’s “Safe Routes through School Areas” program.

With the said program, the Department of Transportation currently has 85 street redesign and construction projects on schools. Completed projects are now within 35 schools.

Homeowners Insurance Claims /Cooking Fires Reach #1

Homeowners Insurance ClaimsPost Date February 8, 2014 – A recent Nationwide Homeowners Insurance Claims Study shows cooking fires cause the majority of homeowners insurance claims.  These homeowners Insurance claims are among the most frequent and most expensive repairs. The study shows homeowners insurance claims from cooking fires average  a final cost of more than $29,000 per claim incident.  This more than 4 times more than the next most expensive homeowners insurance claim which is weather related and break in.

Homeowners Insurance Claims because of cooking fires can be avoided.

Nationwide Insurance Company COO and the President of Nationwide Insurance company announced that fires caused by cooking comprised 17% of all their claims of all homeowners insurance claims last year. According to Nationwide Insurance Company, the months with most kitchen fires is in the month of March.  These are followed by the months of April, December, October and May. The National Fire Protection Association (NFPA) showed that one in every 25 homes have experienced a cooking fire in the last 10 years.  An estimated number of 156,400 home fires that were reported in 2013.

These homeowners insurance claims associated with fire incidents also had a human cost. Over 400 individuals died and over 5,000 individual injury. The cost of property damage amounted to nearly one billion dollars.  To prevent cooking fires and the homeowners insurance claims associated with them,  any insurance company must advise homeowners not to leave their cook top area unattended.  Things easily catch fire close to heat source like a stove burner. To ensure cooking appliances are safely utilized, homeowners should always keep close attention when cooking. Residents need to always have functioning smoke alarms and to have a fire escape plan.

Call InsureDirect at (800) 807-0752 or long on tho for a great price on Homeowners Insurance Policies

PA Insurance Points For Deadly Driving Behaviors

PA Insurance PointsPost Date February 1, 2014 – A recent study by the AAA Foundation for Traffic Safety found that most PA Drivers desire to observe safe driving practices.  Other PA Drivers will be assigned PA Insurance Points for their deadly driving behavior.  Texting, talking on a hand held Cellphone, Shaving, putting on lip stick; all these are considered deadly driving behavior and will earn you PA Insurance Points.

PA Insurance Points will cost you much more for your PA auto Insurance policy

We all understand these simple acts are common place for many drivers in PA.  Other states have  taken steps to regulate these simple habits by creating laws to punish those drivers who continue texting while driving and practice other distracted driving habits. The survey shows drivers feel texting  while driving is a serious threat.  Sadly, nearly 40% of the drivers also admitted they text, call, and e-mail while they drive. Others also admit to Drinking and Driving.  This will earn you more than PA Insurance Points; you will lose your license and go to jail. All drivers consider driving after having a drink to be serious a threat. Although unacceptable,  nearly 15% of all drivers whom admitted to have driven a vehicle although aware their alcohol level is legal allowed limit.

There are other deadly driving behaviors which don’t seem as serious.  Of those PA Drivers surveyed, one out of four drivers admit that they do drive without wearing their seatbelt, run red light and Speed above the post speed limit. Speeding over the  posted limit especially on highways and even in residential roads tops the list. Three Quarters of all drivers say speeding is unacceptable.  Still, 15% of those drivers report speeding at least 15 MPH over the post speed limit.  percent of these drivers admitted that they have done it so. Almost all drivers consider it to be unacceptable to run through a red light but 37 percent admitted to have done it.

Motorcycle Insurance Rates Steady – Thefts Lower

Motorcycle Insurance Post Date January 29th, 2014 – People who steal come in all shapes and sizes. Further, they have a preference on the things they steal. Thieves whom steal vehicles just don’t steal cars, trucks and SUV’s.  In fact, some are not only attracted to cars at all.  In fact, if it were not for motorcycle thieves, there would not be motorcycle Insurance and Motorcycle Insurance Rates. Those whom are motorcycle enthusiasts have all types of interests when it comes to the type of motorcycles they own and ride. These two-wheeled vehicles do not come cheap and losing them to thieves can be a big loss if you have not bought Motorcycle insurance.

Motorcycle Insurance Rates are very low in comparison to the risk of ownership

Although the National Insurance Crime Bureau (NICB) recently reported a decline on the rate of motorcycles stolen in 2013 compared to 2012, but still the risk remains the same. Further the rates on Motorcycle Insurance have also remained the same. The NCIB reports a total of motorcycle’s stolen across the United States declined over 5% last year.

Motorcycles attract thieves for their value. They can range from hundreds of dollars to 10’s of thousands. Some motorcycles even cost $50,000 or more. Either a thief would sell the stolen motorcycle as a whole unit, or the bike would be stripped for its parts and used to reconstruct another motorcycle. The reason Motorcycle Insurance Rates are not in decline even though thefts are down – is the ease of a motorcycle to steal. Still Motorcycle Insurance Rates are still very reasonable.

More Japanese brand motorcycles topped the NCIB list with the most number stolen. Honda had the most with over 11,000 reported stolen.  Yamaha had nearly 9000. Suzuki follows the pack with a little under 7300. Kawasaki came in 4th with 5,000 motorcycles stolen.  The last and the most surprising is Harley-Davidson came in fifth with a little over 3,000 bikes stolen.

As to the states with the most number of motorcycle thefts, California is at the top of the list with nearly 6000 bikes stolen while Texas is # 2 with 4000. In the United States, nearly five hundred thousand motorcycle were sold in 2013. Regardless how much you spend on your motorcycle, it’s important to purchase motorcycle insurance. If you have not purchased motorcycle insurance in the past, you will be surprised how inexpensive it truly is.

Ohio Car insurance Rates Drop As Deer Herds Thin

Ohio Car Insurance RatesPost Date January 27, 2014 – I have always wondered why Deer don’t seem to evolve and stop crossing roadways and get run over by cars and trucks. Based on some statistic recently found is Ohio car insurance rates.  It’s possible or cotton tailed friend have learned their lesson of not going head to head with cars.  On the other hand Ohio car insurance rates are showing maybe its the other way around. Whatever the truth; Ohio car insurance rates show the number of deer-auto collisions within the state of Ohio last year have fallen to four percent compared  in 2013 to the numbers in 2012.

Ohio Car insurance Rates Reflect insurance companies are paying our much less for Deer accidents

The data which was released by Ohio auto insurance carriers,  deer and vehicle accidents, showed that there were just around 50,000 collision incidents reported to the authorities in 2013 These crashes however have resulted in the to deaths of eight individuals and have injured close to 2000 people. Deer-auto crashes have also resulted in property damages.

Deer-auto collisions is not only a headache among driver. It can also be a headache among insurers. The auto insurance law in Michigan requires that auto insurance policies shall provide unlimited and even lifetime medical benefits to state policyholders who would be injured in a crash, including that of deer-auto collisions.

The statistics show awareness among the public about the increased hazard of deer on roads especially that those animals are most active during their mating season and such have already begun.

In the Great Lakes State, the Alcona County which contains a large part of the Huron National Forest has the highest rate for chances of deer-auto collisions which is one in every 22 residents. The lowest chance for such collisions can be observed in Wayne County which is an urbanized area, with the rate of one crash in every 4,700 residents.

Buck-eye state Deer Crash Coalitions advises drivers that in the event that deer-auto collisions are unavoidable. Driver’s should try hard not to swerve the vehicle, to step on the brakes firmly and as much as possible stay in one’s lane so as to not aggravate the consequences. A common misconception is the Comprehensive coverage on any Ohio auto insurance does cover deer-auto collisions.

Obamacare Health Insurance Penalties To Sky Rocket

Obamacare health insurancePost Date January 19, 2014 – Obamacare Health Insurance analysts say 6 million Americans will face penalties in 2016 if they refuse to purchase Obamacare Health Insurance as President Barack Obama’s health care overhaul is being fixed.

Obamacare Health Insurance Penalties are also unaffordable

The number of scoff laws is estimated at almost 50 percent higher than the amount calculated by the Congressional Budget Office.  This is not good news for the Patient Protection and Affordable Care Act.  The OMB estimated around 4,000,000 Americans will not be able to afford Obamacare Health Insurance will be forced to pay the penalty. Most of these Americans belong to the middle class.  The penalty for not being able to afford to Obamacare Health Insurance will be $1,200. If you can’t afford to buy Obamacare Health Insurance, where does the government expect you to come up with $1200.00.

“The bad news and broken promises from Obamacare just keep piling up,” expressed Representative Dave Camp, a Republican from Michigan who chairs the House Ways and Means Committee, as he refer to the number of Americans that will possible have to pay tax penalties as they could not have the mandated health insurance. Camp wants to abolish Obama’s health care reform law.

All residents of the United States of America are mandated to to purchase Obamacare Health Insurance this year or face a penalty which will exceed $1000.00.  The Congressional Budget Office says the government will collect  nearly 7 billion dollars from tax penalties. The Obama administration stated for the last 6 years 98 percent of the American people shall not be affected by the tax penalty.  According to Health and Human Services, the tax penalty should only affect those citizens who can afford to buy health insurance but chooses not to. Most people whom don’t purchase health insurance can’t afford it.

In addition, the administration views it that most Americans shall not worry on the said mandate since most of them already have health coverage as provided by their employers and other government programs such as Medicare.


Ohio Car Insurance Has New Rules

Ohio Car InsurancePost Date January 16, 2014 – Does the new Ohio Car insurance buyers guide really help Ohio Car Insurance consumers with their decision buying an Ohio car insurance policy? Do any state insurance auto insurance guides help auto insurance consumers make a well-informed decision?  Although you may be skeptical, the answer for the majority of auto insurance buyers is yes.

Ohio Car Insurance Buyers Guide helps explain coverage’s 

Ohio’s Department of Insurance in an effort to provide Ohio Car Insurance Buyers with a guide to help make Ohioans confident about buying a Ohio Car insurance policy, health coverage, homeowners, life and annuities, and other insurance needs, has released recently new insurance consumer buyers guide which provides  insurance.

Ohio Car Insurance  Guide helps explains the Buck Eye states new Policy Form

Ohio’s state Insurance Department Director announced the release of a newer and better insurance guide. The top priority of the Ohio Insurance Department is to provide insurance education to Ohioans and protect them. The new insurance guide, according to the insurance director features detailed but easy-to-read publications that will empower consumers as they evaluate coverage and policies that they are about to purchase.

The new guides according to the Ohio Department insurance would address a handful of insurance topics that includes the consumers’ rights, clarifications of coverages, and answers to common questions. The new guide lines also provide consumers with explanations on how to cancel and non-renewal of policies, on how to appeal coverage denial, and how to file a complaint.

The new guidelines will breakdown information with regards to the different Ohio Car insurance coverage, the rights of Ohio car insurance consumers, their financial requirements and how they can be protected themselves against uninsured/underinsured motorists. The guide will also inform consumers how to apply for discounts in their Ohio Car Insurance policies. A Copy of the said new insurance guides in Ohio can be downloaded the website of the state’s Department of Insurance.

Business Auto Insurance Policy Covers Your Family

Business Auto InsurancePost Date January 12, 2014 – Business Auto insurance Coverage is very different than Personal Auto Insurance. In the past, Business auto insurance would not cover and family members living in your household.  A recent court ruling states Underinsured Motorist coverage will be provided through a business auto insurance policy to cover a family member’s damages from an automobile accident although the vehicle He/she is riding in is not listed on the policy.

Business auto insurance coverage in a household can now be accessed

This judicial decision was made by a U.S. Appeals Court.  The case was filed in Illinois. The father’s Business Auto Insurance policy was being sought to pay medical insurance coverage for his daughter’s physical injuries from an accident. It involved a car that was not in his business auto insurance policy. U.S. District Court of Appeals for the Seventh Circuit handed down this decision.

The cased stemmed from a accident in Woodbine Township, Illinois on March 2008. Nicole Haight then was a passengers of a Chevrolet Geo Metro who got hurt when the car rolled over and down an embankment. The young girl was thrown from the car. Her injuries from the accident were very serious.

The Geo Metro’s personal auto policy coverage was exhausted of it’s $50.000 coverage limit In order to pay the girl’s extensive medical bills, her lawyer sought more compensation from the fathers Business Auto Insurance Policy. The law suit looked to access the the Underinsured Insurance coverage of $300,000 from the fathers Business auto insurance company.

The Business auto insurance company filed for a dismissal on Nicole’s claim based on the grounds that she was not a passenger a covered vehicle in the policy. But Nicole’s lawyers argued that she can be covered  the father’s policy has a clause that says “any family members” of the policyholder can be eligible for UIM Compensation.

The appeals court ruled that since the “covered auto” was not present on the portion of the policy that defines who are entitled to the UIM benefits, the UIM coverage shall extend to both the insured policyholder and his or her family members and shall not require “occupation of a covered auto.”

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