Safe Car Insurance Secrets You Need to Know

Do you want to be on a good line of communication with your car insurance company? Well, you should want to be, but you need to make sure that they want to be on a good line with you as well. Sometimes you will face a car insurance company who wants to hold back secrets from you in order for them to have the advantage. If you are paying them money then you need to be the one with the advantage. The following are a few tips that the insurance company will not often tell you. Make sure that you can call them out on it and get the best car insurance for your situation. You owe it to yourself and your car. You Could Pay for Your Friend There are all times when we are being good friends and we let other friends drive our car. It is a nice thing for us to do, especially if they are in trouble. What some auto insurance companies do not tell you is that you will most likely have to pay for their mistakes. If they get in a collision with another vehicle then it might not matter to the company who was driving. You might see a jump in your auto insurance even though you are not the one who is driving. This is something that you really need to keep track of because you should not want it to harm you. Plus, you still need to be a good friend, but explain to them the situation. They Might Not Value Those CDs Yes, your CDs can get damaged if you are in an accident. The unfortunate part is that the auto insurance company might not cover those compact discs that have been damaged. Most people make the mistake of thinking that they will get some money back for this, but most of the times personal items are not going to be covered. Even though this might be the case, you still should file a claim with your car insurance company for the CDs and see if something will come of it. Just do not expect to get a lot of money back for your CD collection. Do not be caught off guard by getting denied this. Your Car Model Might Affect a Premium Not all cars are treated equal. This is something that will be the thought of your car insurance company even though they might not want to tell you that. They want your business so they might leave out the fact that your car model will be harder (thus more expensive) for them to insure. Many people do not realize that different cars require different insurance, so they are shocked when they might have to pay more. Make sure you get quoted on auto insurance by a few different places just so you can know what is suppose to happen. That way you will be able to find the best place for you to get insured.

Racing to Find Car Insurance

Are race car drivers the best drivers in the world—or the worst? How about weekend racers or those who just want to experience the open road—on a track—at 100 miles per hour.

An Unexpected UseAccording to most car insurance companies, they're the worst drivers. Or at least, the crashes are the worst and that's the reason your personal car insurance policy will not provide coverage at high-performance driving schools or race tracks. Participating in "track days" with your own car is simply too risky a practice, according to most auto insurance companies, because it's rare that the accidents are minor. In fact, a high-speed crash will usually result in a total loss of the car. Driving well above the street-legal speed limit was simply not what your insurance company expected when you said you drive your car "primarily for pleasure"—and your rates are based on expected driving—not racing. Any technology installed in your vehicle to track mileage-based insurance may also take into account not only your speed but any sharp acceleration and braking, which would very quickly uncover any secret street racing you might be enjoying in your spare time!

To Race or not to RaceIn the past, most car insurance policies would not cover damage that resulted from drag-racing, organized racing or a timed event. But high-performance driving schools often do not time the runs and they marketed their events as driver's training—not racing. So, those events would technically have been covered by your car insurance policy. However, in the last few years, most auto insurance companies started to exclude coverage for driving at any site that's designed for racing, whether or not the events are timed, which leaves even these safety-oriented driving school opportunities at the side of the road. Drivers who had been racing for years using their own cars are now facing a dilema—leave their car at home or take a chance that nothing will happen. To minimize their potential losses, some drivers have even stepped down from racing an expensive sports cars to a driving a "beater."

Coverage OptionsSince car insurance policies vary by state, there may be states where coverage is still available on your own policy, but it's wise to check with your company first. Many tracks offer single event coverage or a policy that will cover multiple events during a year. An agent or company that specializes in auto insurance for race events can provide you with quotes before you schedule a track day or enroll in a driving school.

Car Insurance Terms

Are you interested in learning more about your car insurance? You should not just throw your money at car insurance without reading more about it. That is not only a waste of money but a waste of your time. The following is some help in learning some car insurance terms that you might come in contact with. The more you know about these terms the better it will be for you. Even if you have heard these terms before it is still good to get a refresher on them. Hopefully you can learn more and really take advantage of these tips.

High Risk Driver
This is something that you do not want to be labeled with auto insurance. This means that you have a lot of tickets and/or accidents to your name. This will also mean that you will be charged more by the insurance company. They never like to lose money, and if you are a risk of costing them money then that will be worse for you. Do not be a high risk!

Collision Insurance
This is something that every auto insurance policy will have. If you collide with another car then you will need some insurance help. This piece gives you that help. Your insurance and the other driver’s insurance will be in contact and they will figure out whose fault it is. When that is decide your collision insurance will figure out who owes what.

PIP
PIP stands for personal injury protection. Sometimes people who get in an accident will lose money as a result of those injuries. Lost income from work, medical expenses, and other charges will be covered by PIP. Money will also be returned to you if this happens. It is just another way of protecting yourself at such a serious and important time.

Comprehensive
It is not a rule that your car has to get in an accident with another car. Sometimes there are accidents that happen with some items, such as trees, walls, fences, etc. Comprehensive will make sure that your car is covered just in case an accident like this might occur. This will most likely require a deductible that you will have to pay so be prepared for that.

Tips on Saving Money on Car Insurance

Is saving money in your life a priority? This is something that you need to do and you need to make sure that you carry over to all parts of your lifestyle. This includes auto insurance. Your auto insurance must not be a waste of time in your life because that means that it could be a waste of money. The following are some tips that will allow you to start saving money on car insurance whenever you feel like you are ready. Take your time though, because rushing through this process will not end in a good result for you. This is your process so make sure that everything will begin to work like you want it to.

Good Health Insurance Means Minimal Auto Insurance
One thing that is good about health insurance is that it will benefit you if you get in a crash. This means that you do not have to have a lot of auto insurance that will do that for you. If your health insurance is top notch then you might be able to save money by only getting the minimal auto insurance needed. You do not want to double up on insurances because it will not help and it will only cost you money. Take your time and see how both your health and auto insurance work together. This could be an easy step to save you money right away. This is a great way to act responsible with all your financial information.

Do You Really Need Roadside Assistance?
A lot of auto insurance agents will tell you about roadside assistance. It will sound great and it sounds like something you definitely need. To have someone come out to wherever you are and help you with your car will save you money. How many times do you plan on using this a year? Is it worth it to spend the extra money to maybe use it a couple of times? A lot of people are deciding that it is not. Even something like $5 a month could add up over the course of the year. Just because it is offered to you does not mean that you need it. This is something that a cell phone can be really helpful with.

Low Mileage Carpool Discounts
If you are in a carpool and you do not drive your car around a lot then you need to let your auto insurance agent know that. You could be in line for a carpool discount that is a great reward. If you do not drive a lot then why should you have to pay the same as someone who does? Take a look and see if this is a possibility because it could also be a great influence to drive carpooling. Use all factors you can to your advantage when getting auto insurance. It is something you need, but it is also something you need to get a discount on.

safety

There are three main statistics to which automobile safety can be compared:
Deaths per billion journeys
Bus: 4.3 Rail: 20 Van: 20 Car: 40 Foot: 40 Water: 90 Air: 117 Bicycle: 170 Motorcycle: 1640

Deaths per billion hours
Bus: 11.1 Rail: 30 Air: 30.8 Water: 50 Van: 60 Car: 130 Foot: 220 Bicycle: 550 Motorcycle: 4840

Deaths per billion kilometres
Air: 0.05 Bus: 0.4 Rail: 0.6 Van: 1.2 Water: 2.6 Car: 3.1 Bicycle: 44.6 Foot: 54.2 Motorcycle: 108.9

While road traffic injuries represent the leading cause in worldwide injury-related deaths, their popularity undermines this statistic.
Mary Ward became one of the first documented automobile fatalities in 1869 in Parsonstown, Ireland and Henry Bliss one of the United States' first pedestrian automobile casualties in 1899 in New York. There are now standard tests for safety in new automobiles, like the EuroNCAP and the US NCAP tests, as well as insurance-backed IIHS tests.