Car Broken Into? Your Auto Insurance May Pay for What Was Stolen

Is your auto insurance sufficient for where you drive or park your car? It happens too many times to count: Parked cars are often easy marks for thieves looking to grab phones, GPS devices, mp3 players, whatever they can get their hands on. Most parking garages have signs everywhere warning patrons to lock valuables in the trunk or glove box or to take them out of the vehicle. However, despite the warnings, statistics indicate that cars in a parking garage are more likely to be broken into than a car parked on the street or in front of a home.
Many times, when a car is broken into, the owner figures that the stolen items are simply a loss. Especially if only one or two items were stolen, they may assume that it will not be worth it to file a claim or that the amount of the items will not meet the deductible. However, it is always a good idea to check your policy or contact your auto insurance company to check. Auto insurance is not a one-size-fits-all equation, and you may have benefits of which you are unaware.
Some policies have coverage for damage that is caused by something other than a collision. Usually, we anticipate that if our auto is going to come to any harm, it will be because of a crash. However, cars can be damaged from fire, theft, flood, hail, vandalism, and many other things. Although it is not necessary for drivers in most states to carry insurance for situations such as these, many policies do include coverage for damages that result from situations other than collisions. Even if you cannot be compensated for items that were stolen from your vehicle, you may be able to recover the cost of repairing any part of the car that was damaged during the break in.
Some articles that were in the vehicle may actually be covered under your homeowner’s or renter’s insurance. Even though these forms of insurance normally only cover articles that are in your home or apartment, some policies make provisions for the fact that you often take valuable possessions with you when you leave your residence. It is worthwhile to ascertain if your personal property insurance policy will cover the replacement cost of any items stolen from your vehicle, even when your auto insurance will not.
Of course, the best course of action is to make sure that there are no valuables left behind in your vehicle for anyone to steal, but since that is not always practical, and since you normally are not worried about theft until after it has occurred, it is a good idea to find out what sorts of things are covered by your auto insurance and to consider increasing your coverage if you determine that it is inadequate for your needs.

6 Reasons Why You Need Business Auto Insurance

If you have not yet purchased business auto insurance, you are probably still not aware of the advantages of doing so. You are making a decision which will benefit your company and personnel tremendously when you get such a policy for your business. All you need to do is to carry out a search online for the insurance agency which can offer you a policy that caters to your company’s needs. If you still cannot decide if you should get such a policy for your business, the 6 advantages below will very likely help you to make up you mind.
1. Protection From Accident Claims
When accidents happen, the vehicle owners will be financial burdened because of the payments you might have to make for damages to your car as well as for possible claims against you by the other party. However, if you have a business auto insurance, your insurance company will pay for the claims and you will not suffer excessive financial losses.
2. Payments For Medical Treatments
Should there be injuries during an accident, you will also have to face medical payments but this could be covered by your insurance. Some policies will even cover the drivers who might not be insured.
3. Coverage For Employees’ Private Cars
For some companies, the employees might have to utilize their private cars for business purposes. You could also opt to have your employees’ cars insured, thereby raising the morale and spirit of your staff. This is a step to show that you care about their well-being and they will be more loyal towards you and your business.
4. Coverage For Minor Damages
Some drivers might overlook this area but in case of damages due to a break-in or vandalism, you do not want to fork out large sums of money to repair your vehicle. Coverage in such minor areas can help to prevent unnecessary financial burden.
5. Coverage For Uninsured Motorists In Accidents
Sometimes, other motorists who are involved in the accident might not be insured and might claim against you. That will cause you to suffer losses but with a business auto insurance, you could include coverage for expenses incurred during such accidents.
6. Other Areas
When you are choosing your auto insurance for your company, you can include additional items such as the significant operations of your business, your business vehicles, regardless of whether they are rented or bought.
As such, in order to protect your business and to ensure its smooth running, you need to speak to an expert from the insurance company. This officer will be able to assess the needs of your business and propose a suitable business auto insurance for you. You can call for a free consultation anytime should you require special assistance but the vital point is that you start searching for a policy soon.

The Different Factors Which Influence the Average Car Insurance Premium in a Particular Town or City

Now, it’s worth pointing out that the average auto insurance premium in the country is around $1,500. Some states will have average premiums which exceed this value while others will have less than that. In large cities with high density populations and high traffic problems, the average premiums will naturally be a bit higher than the national average, whereas in small towns with low levels of traffic accidents, the average premiums will be significantly lower.
Now, as important as premiums may be, what’s more important is that you understand the factors which influence them. And there are quite a few of them.
Every state and city will have different traffic laws as well as traffic related problems. It is these factors which vehicle insurance providers take into account when computing the premiums of their clients.
And what are these factors? Well, here are among the most common of them all. And it should be kept in mind that their importance varies.
Speed Limit in Cities – The Speed Limit in a particular town or city can have a tremendous effect on traffic accidents. As such, they are considered as serious factors in the computation of car insurance premiums.
Speed Limit On Highways – Considering that a significant proportion of accidents happen on highways. It shouldn’t come as a surprise why many car insurance providers will take this particular issue into account.
Blood Alcohol Percentage Limit – As you might guess, the blood alcohol limit in a particular city influences incidents of DUI-related issues. And it is because of this that it is taken seriously by most car insurance companies.
Open Container Law – Like the Blood Alcohol Percentage Limit, this law is something which car insurance companies take into consideration very seriously because it influences cases of DUI.
Handheld Cell Phones – Laws with regards to the using of Handheld Cellphones is sometimes taken into account by auto insurance companies, especially those operating in cities where some incidents of traffic collision is related to cellphones.
License Suspension on DUI – License suspensions due to DUI – DWI can last for months. The severity of these kinds of laws can influence the car insurance market in more ways than one.
These are some of the state laws that you can expect to be a serious factor in the computation of your car insurance premiums. Some insurance companies will use them. Others will not. It’s all a matter of knowing.

Online Auto Insurance Quotes Will Save You Money

Now more than ever, consumers are using the internet for buying many products and services online. The internet is no longer a place to only buy hard goods, but things like auto insurance policies are also being purchased. You no longer need to make phone calls and visit insurance agents. A large number of consumers are now comparing car insurance online and getting some very competitive rate quotes.
The most common thing you will hear from someone who has purchased their car insurance online is how fast and easy it how much money they saved! They did not have to talk to an agent, and they did not have to take valuable time from their busy schedule to make phone calls or drive from office to office to get quotes. They will most likely tell you how they were able to get their insurance quotes during their lunch break, or later in the day from the comfort of their home. They may also mention that they found it much easier to purchase an auto insurance policy that was not full of coverages they had to pay for but did not really need.
Best Places To Buy Auto Insurance Online
If you just take a few minutes you will find a lot of online websites where you can purchase insurance. On many of these sites you will find a quote comparison tool that helps you put different quotes side by side to quickly decide which one is best for your needs. Quotes are provided by major carriers in your area so that they are sure to comply with the legal insurance requirements for your state. You can do all of this in less time than it takes to eat your lunch.
All States Allow Online Car Insurance Quotes And Purchase
Each state in America allows the purchase of insurance policies online. When you go to one of the online quote websites, you will be asked to enter your zip code. The reason for this is it makes it possible to identify the companies that offer the best rates in your local area. Another important reason is that different states have different minimum coverage requirements in order to be legally insured in that area. When you enter your zip code, you will then have the opportunity to get a quote for only the minimum requirements in your state, or you can get a quote for additional coverage as well. Once you compare several quotes, you can go ahead and make your purchase without leaving your computer.
No Fees Are Charged For Comparing Quotes
A legitimate online insurance quote website will never charge a fee for getting quotes. You can go to one good website and get multiple quotes without being charged for anything except the actual policy that end up purchasing. You can see what different companies are charging for the same exact coverage without the influence of a sales pitch from an insurance agent.
When Purchasing Car Insurance Online Your Personal Information Is Safe
All reputable online auto insurance quote companies will pass your personal information through a secure server. You will recognize it by the URL address. A normal URL address will look like this: http. A secure server will look like this: https. This guarantees that your information is being passed through a secure server that can only be accessed by authorized personnel. Your information is just as secure, if not more secure than giving it to a person over the telephone.