Posted on January 6th, 2011
A two-vehicle collision with a deer occurred in Wisconsin on December 30, causing significant damage to one of the vehicles.
The accident occurred when the deer was hit by a Ford Taurus on Highway 28/67, sending it into the path of a following Ford pickup truck. The deer struck the truck head-on, shattering the windshield and causing heavy damage to the exterior and cab interior. The pickup driver was taken to a nearby hospital for treatment.
A single accident with an animal can lead to expensive damage that may cost hundreds or even thousands of dollars to repair. To protect yourself from the financial risk of an animal accident or other non-collision event, consider including comprehensive coverage as part of your insurance policy.
For fast, free insurance car quotes in your area, don’t hesitate to contact us today.
Posted on November 19th, 2010
Medical payments insurance coverage is type of insurance that is available for drivers and can prove to be a solid investment if you are involved in an accident.
Medical payment insurance covers you or anyone in your vehicle that is injured in an accident when the other party has not been found at fault. This type of insurance can also cover you if you are riding in someone else’s car or if you are injured by a car while walking.
Even relatively minor injuries can cost thousands of dollars in medical bills, so prevent you and your family from going into debt by considering whether this type of insurance is beneficial for you.
If you have questions on what type of insurance is best for you or feel as if you may not be receiving the best rates that you could, contact us for an insurance car quote today.
Posted on November 12th, 2010
Cosmetic damage on a vehicle is classified as noticeable damage done to a vehicle that does not disrupt the function of the vehicle. Depending on the source of the damage to your vehicle the repairs may be covered by different types of coverage plans on your insurance.
Cosmetic damage includes dents, scratches and chips done to the vehicle’s exterior. If the damage has originated a collision, the repairs may be included into your collision coverage. Damages that are done to vehicle in a non-collision accident may be covered under comprehensive coverage. Hail dents, graffiti and broken glass are included in non-collision damage.
It is important to know the details of your car insurance policy including whether or not cosmetic damage is covered. If you are looking to insure a motor vehicle, contact us for an insurance car quote today.
Posted on November 5th, 2010
95 percent of car insurance companies use prospective customers’ credit histories to determine the cost of a person’s policy. According to Fox Business, insurance companies believe analyzing people’s credit histories will give them a better idea of the chances of a person filing a claim.
Different car insurance providers use different models for analyzing credit histories. State Farm, for example, uses FICO credit scores plus a customers’ number of late payments, accounts in collection and open lines of credit as factors in determining the premium on their car insurance policy.
Loretta L. Worters, Vice President of Insurance Information Institute, said, “Insurers use credit-based insurance scores in a variety of ways. Some companies use it for ratemaking, some for underwriting, others do not use it at all”.
Car insurance pricing can be complicated and make it hard for you to decide which policy to chose. Contact Insurance Car Quote to get a free online car insurance quote comparison and make choosing a car insurance provider easier for you.
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Posted on October 28th, 2010
If you are a business owner that uses or is considering using 18-wheelers or semi-trucks for your business operations, it is important to protect your employees and your business by having commercial truck insurance. There are several options for commercial truck insurance policies including:
Primary liability insurance coverage can help to cover the cost of damage or medical expenses if a truck is involved in an accident.
General liability insurance will help cover the cost of damages to a truck from something other than an accident, such as hail or vandalism.
Non-trucking insurance coverage covers the cost of damages to a truck while off the road, like while being stored in a garage or business facility.
Truck cargo coverage will protect you if any of a truck’s cargo is damaged or stolen.
In order to better protect your business, contact Insurance Car Quote to get an online truck insurance quote today.
Posted on October 20th, 2010
Before deciding on a car insurance policy, it is important to consider different car insurance providers and the various discounts they offer. While different insurance companies have different discounts, there are three discounts that almost every provider offers.
One way to receive a discount on your car insurance is by driving less frequently. To be eligible for this discount, you must be able to prove to a car insurance company that you meet their requirements for a driver who drives infrequently. If you take public transportation or for whatever reason do not need to drive very often, you are likely to be eligible for a discount on your car insurance.
Another way to receive discounts is by proving that your are not a risky person. For example, people who have do not have any drunk driving charges or do not smoke while driving are seen to avoid risky behavior. In addition, people with a lower number of traffic offenses on their driving record will be charged less on their premium.
Lastly, if you have a teenage driver on your car insurance policy that exhibits responsible behavior off the road they are likely to receive a discount on their car insurance policy. Many car insurance companies will give discounts to people who send in honor-roll certificates from their teenage son or daughter.
If you or someone you know is looking for affordable car insurance, contact Insurance Car Quote to get a free online car insurance quote today.
Posted on October 13th, 2010
Thousands of motorcyclists in Massachusetts will be receiving payouts after being overcharged by auto insurance companies. Investigators looked into the company after a customer complained about their insurance rate.
The attorney general’s office was able to reach a $12.1 million settlement with five auto insurance companies- Arbella Mutual Insurance Company, Hanover Insurance Group, National Grange Mutual, One Beacon Insurance and Norfolk & Dedham Group. The car insurance companies were charged for calculating premiums with “inflated and un-depreciated motorcycle values”.
Attorney General Martha Coakley stated, “We began our industry wide-investigation into motorcycle insurance based on a single customer complaint. As this investigation demonstrates, and as the insurance companies in the state know, when consumers bring complaints to our office, we listen and we take action”.
If you or someone you know thinks they are being overcharged for their car insurance, contact the Motorcycle insurance agents of Insurance Car Quote to get a free online insurance quote today.
Posted on October 8th, 2010
When your teenager is reaching the legal driving age, it is important to remind them the importance of participating in safe driving tips while behind the wheel. Although responsible parents do whatever they can to make sure that their teen is being a safe as possible, insurance providers will raise the rates of a teen drivers because they have less experience than older drivers.
There are some things that can be done in order to lower your teen’s car insurance rates. For example, if your teen completes a driver’s education course, car insurance providers will offer a discount because it shows them that your young driver knows and understands the driving laws.
There is also a discount called the Good Student discount that is given to a teenage driver that maintains a good grade point average. Adding your teen to a bundled package with four or more people or vehicles can also help save a family money.
If you are looking for affordable auto insurance for your motor vehicle, contact us for affordable SUV insurance quotes today.
Posted on October 1st, 2010
After purchasing a luxury car it is important to spend the time to protect your investment. Making sure that you keep up with the maintenance of the vehicle and making sure to purchase auto insurance coverage are two important ways to protect your investment.
Although it is a law to purchase minimum coverage for all motor vehicles, it may be a good idea to upgrade your policy when driving a luxury car. It is important to remember to ask your insurance provider about possible discounts that they offer for people who are insuring a luxury car.
Some companies offer discounts for low mileage vehicles and a luxury car may qualify for this because it might not be the “daily driver” in the household. Make sure to shop around in order to find the best deal for you and your vehicle.
If you are looking to insure a motor vehicle such as a luxury car, contact us for an affordable auto insurance quote today.