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Anybody know of any car insurance co’s that will give auto insurance policies to 17 year olds??
May 21st, 2010 8 Comments
I have a 17 yr old that has already gotten 2 tickets so I want him off my policy – as he is making it too expensive for me to afford -
I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn’t drive – He has a license and has to be covered under my policy because he lives with me – so I can’t take him off til he gets his own insurance. My problem – most co’s will not issue a policy to anyone under 18 (PS – we live in New Jersey)
What is the difference between Full Tort and Full Coverage on car insurance policy. How can I know what I have?
May 21st, 2010 2 Comments
Posted in Car Auto Insurance 
Tags: between, coverage, Difference, full, insurance, know, Policy, TortImportant Auto Insurance Coverage You Must Know Before Buying Any Car Insurance Policy
May 18th, 2010 No Comments
Buying car insurance can be confusing, take a lot of time and be expensive if you do not have knowledge of insurance coverage. To be able to get the best car insurance, you need to study auto insurance and what it entails. Once you know more about it, you can make the right choice for your insurance and save money at the same time.
As long as you have coverage, car insurance can protect you from any financial costs of an accident or injury. Many drivers are not clear about what their particular policy covers until it is too late and they have problems settling a claim or looking at increases in rates or possible coverage termination.
When searching for car insurance, you must understand how it works. The company that is holding your policy agrees to assume risks and cover your financial loses. Most states require that you have insurance and provide proof of it in order to legally be able to drive your car. There are two systems that are controlled in the United States: tort-based and no-fault. Depending on which state you live, either liability or no-fault car insurance will be required.
Under the tort system, the driver at fault is responsible for victim’s medical expenses and well as all damages. Liability insurance covers any damages that you cause to someone else and their property.
The most important reason to have car insurance is for the collision coverage. If you have an accident, there are damages and it is your fault, this insurance will cover the expenses after your deductible is paid.
The least amount of coverages in every state is liability coverage, but you need to decide if you want any additional coverage like comprehension and collision, roadside service or gap insurance.
Most states require you to have car insurance on all cars and have laws for the minimum coverage you must have. In states that do not have requirements, you must prove that you have enough assets to cover any accidents. If you do not, you will be required to buy insurance for your car.
Cleaning gutters does not need rocket science knowledge. After working around the house for a while, I decided to share my recent work on how to install aluminum gutters.Read for yourself and you will find how easy it is to clean or install aluminium gutters.
How to Know When Your Small Business is Ready For a Commercial Car Insurance Policy
May 2nd, 2010 No Comments
Yes, ladies and gentlemen, we are living in the era of the reemergence of the small business. Thanks to the power of the Internet small, independently owned companies are once again on the rise, and we’re seeing an absolute boom of small niche stores the likes of which haven’t been seen since the department store came to town! If you’re a small business owner, congratulations. You’re a part of a new era in history. Now what are you doing about your car insurance?
Most of us don’t think a whole lot about car insurance when we’re starting a small business. Sure, commercial trucking companies and rental cars need a commercial car insurance policy. That’s just a given. But what about the little guy? What about the private contractor or the Mary Kay sales professional? You might be surprised to find out small businesses like these need commercial car insurance coverage just as much as the next guy.
What’s the Difference Between a Commercial Car Insurance Policy and an Everyday, Ordinary, Run of the Mill Policy?
One of the questions insurance agents hear the most is, “What’s the difference between a commercial policy and a regular one?” The differences are subtle, so they’re a little tricky. First and foremost, a personal car insurance policy won’t cover accidents that take place while you’re on company business. Picking up the boss’s dry cleaning once a month doesn’t usually send too many red flags up, but if you’re on the road all day, every day you need to make sure you’re covered by a policy that’s going to do its best to keep you safe out on the highways.
Commercial policies are designed specifically for businesses and offer not only a convenient paid claims service for drivers out on company business but also higher liability limits, which is good news when you’ve got a flatbed full of lumber. And they’re almost always more cost effective at this higher level of coverage than just about anything else on the market, meaning your car insurance rates are going to be considerably lower than they would be if you’d simply tried to cover your car under a regular car insurance policy.
Not to mention a full fledged commercial car insurance policy is going to cover your employees if and when they have to take a company vehicle out on the job, saving you from the inevitable employee that decides to re-enact “Thelma and Louise” during their lunch hour.
Who Needs Commercial Car Insurance?
The people who need commercial car insurance include (but are not limited to):
Catering
Newspaper Deliver
Door-to-Door Sales or Consulting
Landscaping/Snowplowing
Day Care
Real Estate
In other words, if you’re going to be spending even part of your day out on the roads you’re going to need a commercial car insurance policy standing by keeping your car safe. Remember, a commercial policy isn’t just something as nice to have (although it is). It’s a necessity for any business whose profit and loss sheets have a healthy sense of self preservation.
As a small business you’ve got enough expenses. Do you really want to add to them because you didn’t pick up the right kind of car insurance?
Michael McDonough is a National Account Representative for QuoteScout.com. For more information on purchasing a commercial car insurance policy for your small business, visit them on the web at http://www.QuoteScout.com.