, here is the breakdown of reasons that cars are stolen in the U.S.: 55 were unlocked, 34 left the windows open, 6 left keys in the car
Driving around without car Insurance“>insurance is illegal in most states
Do not drive around without auto Insurance“>insurance, it is illegal. In fact, most auto Insurance“>insurance companies will not insure you if you are currently uninsured. They wont even give you a quote. This is why it is important that you never let your car Insurance“>insurance coverage lapse. is probably the only company who will still give you car Insurance“>insurance coverage if you are currently uninsured.
Always shop around for the lowest car Insurance“>insurance ratesNote:
Unfortunately, if you dont currently have car Insurance“>insurance, you wont be able to use gives you a better way to shop for auto Insurance“>insurance. Instantly compare accurate rates from Americas top Insurance“>insurance companies, including Travelers, The Hartford, Liberty Mutual, Safeco and others. Dont fall into the gap If you owe more on your car than it is worth, if you lease, or if you put down less than 20, you should get Gap Coverage from . Most people refer to it commonly as gap Insurance“>insurance. Dont even bother buying it from dealers, they charge 500-700 when you can get it online directly from for less than 1/2 the car dealers. If you owe 20,000 on your car, but its only worth 16,000, youre upside down. You total the car, or its stolen, your Insurance“>insurance company gives you 16,000. You must still come up with 4000 to pay off the bank, plus your 500 deductible Gap coverage protects you against this. The better ones cover up to 500 of your deductible.Why you must get a copy of your driving record I highly suggest you get a copy of your drivers license record BEFORE shopping for Insurance“>insurance. Many of us have errors in our driving report that drive up our auto Insurance“>insurance rates. I once paid a traffic ticket and attended driving school, but they never credited my driving record How did I find out Allstate canned me Thats not the way you want to find an error on your driving record. In the newspaper, a clerk of the court admitted they had a 20 error rate, and shrugged it off as normal. So lucky 20 me had my license suspended by mistake. Dont let this happen to you Trust me, you dont want to go through what I did to fix it. If you go to driving school or pay fines, keep the receipt in your wallet for 3 years or until you renew your license If you get pulled over by the police, its your only salvation from being arrested for driving with a suspended license. Just like your credit history determines your car Loan“>loan approval, your driving record determines how expensive your auto Insurance“>insurance will be.
VIN Window Etching can Lower Your Insurance“>Insurance Premiums up to 15
If the car dealer say its already on the car and cant be removed, dont buy the car and save yourself 300-900. You can get your own VIN etching kit cheaper online. VIN etching kits are about 19.95. Remember, lenders dont require you to buy useless extras. The only thing a lender requires you to do is pay back the Loan“>loan.
Dont Forget To Budget In Auto Insurance“>Insurance And Warranties
Dont overlook this important part of car buying, youll be in for a shock later. Get a quote on the car you want, and most important of all, shop around For discount car buying youll see our recommendations for sites like , but dont just stop there, what about Insurance“>insurance Theres some good sites that help you find great deals on car Insurance“>insurance with Insurance“>insurance rate comparison engines. Youll be surprised how much some new cars cost to insure. Some cars are very difficult to insure. Years ago State Farm only insured my Trans AM GTA if I had an alarm and a garage. Insurers require a garage for Corvettes. Know your Insurance“>insurance costs before you buy a car, and plan your monthly budget accordingly to accommodate the Insurance“>insurance. A lot of people drop the ball on this one. Depending on where you live, you could pay 1400 a year for Insurance“>insurance on a new car. This is an average of 116 per month. This is where people make a big mistake, forgetting to include Insurance“>insurance in their budget. If youre buying a car on the hairy edge of what you can afford, Insurance“>insurance payments will drag you under. Insurance“>Insurance payments are part of your monthly cost of ownership.While youre shopping for Insurance“>insurance, heres a few online sites that give you free quotes online. To get the most accurate pricing, be very accurate about the info you enter. Also, try to enter the exact same coverage you desire from each online site you visit, to get a true apples to apples comparison. These sites will give you quotes to compare before making your final decision. Get quotes from as many sites as possible to get your best price, then when you are ready to buy, call the company you chose and verify the price with them. When you decide to buy Insurance“>insurance, dont think you can be smart and neglect to tell them you had a speeding ticket last year. Theyll find out when they check your driving record after you apply, even all your out of state tickets, and your rates will increase accordingly.
Just enter the make and model, and answer a few questions. Seconds later the price quotes and comparisons to competing companies appears online.
If you dont currently have car Insurance“>insurance, you wont be able to use on auto Insurance“>insurance with many of Americas top Insurance“>insurance companies. Answer just one set of questions and instantly receive accurate quotes. Choose the best policy and buy online or over the phone. is the largest direct writer of private passenger auto Insurance“>insurance in the US. In 1996, became a subsidiary of Berkshire Hathaway. GEICO/Berkshire Hathaway and its affiliates (GEICO General, GEICO Indemnity and GEICO Casualty) enjoy the highest ratings in the industry for financial strength and claims-paying ability: gives you a free instant rate comparison against State Farm and Allstate. This comparison is a great tool for car Insurance“>insurance. They even insist you to shop around, and they save your quote so you can come back later to look at it again. Progressive Auto Insurance“>Insurance is the 4th largest Insurance“>insurance company in the U.S. For extended warranties, get a free online quote for your new or used car from sites such as . I talk much more about them in detail in . You want to get an online warranty quote before you go to the dealer, so youll have something to compare the dealers extended warranty price with.Bad Credit Causes You To Pay More For Insurance“>Insurance Many Insurance“>insurance companies run credit checks on you before the application is signed. Some online companies bypass this by allowing you to supply a self reported credit rating from a pull down menu. The reason for the credit checks is that there is a higher underwriting risk not only in terms your ability to make payments and keep policies in force, but the higher claims/loss ratios of folks with bad credit. A 40 year old man with a couple of late payments and no tickets, accidents or major violations might very well qualify for a preferred policy.
If youre in a wreck, ask for Diminished Value compensation
Insurance“>Insurance companies dont like to talk about it but some will pay you what is called Diminished Value as part of your claim. It can be very difficult to get, they may deny it exists, but people have been known to collect. Diminished value compensates you for the loss of market value your car suffers after an accident. If you wreck your Honda Accord and then have it repaired, your car is worth less when you go to sell it because no one wants a previously wrecked car. Because if this, some Insurance“>insurance companies will pay you for this loss of value incurred by the accident. Ask your car Insurance“>insurance company if they provide this for you.Avoid Insurance“>Insurance rip-offs Florida is the Insurance“>insurance rip-off capital of the world. Be wary of cheapie Insurance“>insurance agencies with stupid TV or radio ads claiming to be the lowest price. When I was young and stupid, I went through 10 Insurance“>insurance companies in 5 years, because they all low balled me. A month after signing, you get a letter saying your policy is 200 more due to a Company Rate Error. This is known in the Insurance“>insurance industry as Low Balling. It happens all the time, and it happened to me 4 different times until I wised up and started to deal with classier companies like State Farm and Travelers. Your state legislators do nothing to stop these low balling losers, so the only way to protect yourself is to stay away from them, and their stupid free coupon and film developing vouchers that they hand out to you to make it look like youre getting something for your money. The ones I got were expired. Once I became business savvy, I discovered the best way to evaluate an Insurance“>insurance company is its A.M. Best rating, which tells you its ability to payoff. The more As in the rating the better their ability to pay off. Many little companies go under, and what good was a cheaper policy if they cant pay off Always ask a company what their rating is, and look for it in writing to back it up. I try to only buy Insurance“>insurance from companies with A ratings. You can also go with B ratings, but I would go no lower than that. One last tip, stay away from the sleazy little Insurance“>insurance offices that try to make it look like they are THE Tag Agency. They care more about reeling you in under the pretense of handling the paperwork for your license. My wife used one to get her car title and they went out of business after they took her money. If you need your tag or title, get it from the source, the realTypes Of Insurance“>Insurance Coverage Insurance“>Insurance is very confusing, and if you dont understand what the different types of coverage mean, you could be leaving yourself financially exposed. I always tell people to get as much Insurance“>insurance as you can afford, to make sure you are covered for anything that comes along. If you get in even the smallest of wrecks and damage your front right quarter panel, and take out a fancy sealed beam headlight, that repair could cost over 1000, and over one week in car rental fees. So choosing the right coverage is essential. If you finance a car through a bank or car dealer, the lender usually requires some sort of full coverage. They do verify it with the Insurance“>insurance company and if you fall short of their limits or take out no coverage at all, they will buy it for you and send you a bill for an unbelievably jacked up amount for Insurance“>insurance. This could be up to 4000, nearly 3 times the normal amount that most of us pay, so make sure your car is insured. Most car dealers wont allow the car to be driven off the lot without calling it into the Insurance“>insurance company and setting it up first. Your current Insurance“>insurance may cover you, but you must tell your Insurance“>insurance company immediately that you bought a new car to ensure you have coverage. Heres a list of the common types of coverage:Bodily Injury and Liability Insurance“>Insurance This Insurance“>insurance protects you from claims made against you which you are obligated to pay if you cause bodily injury to someone in a crash. This also covers your defense costs. Bodily Injury Liability limits usually specify 2 dollar amounts, the first amount limiting payments to a single person per accident and the second amount puts a cap on the total amount of payment for all persons injured per accident.Collision Insurance“>Insurance Collision coverage pays for the damage to your vehicle by collision with another vehicle or fixed objects like trees, signs, buildings, etc. This coverage is what gets invoked when the accident is your fault.Comprehensive Coverage Insurance“>Insurance This is your fire and theft coverage, and covers damage to your car for anything other than a wreck, like tornados, floods, vandalism, theft, hitting a deer, etc.Car Rental If your vehicle is in the shop for more than a day for repairs resulting from an Insurance“>insurance claim, Many policies with this coverage will pay 15 or more per day for usually up to 30 days, or some maximum value to rent a car while you wait for repairs. Higher limits are available.Full Glass In many states, there is no deductible on windshields, because its against state Law“>law to drive with a damaged windshield. But for the rest of your windows, you still have to pay your comprehensive deductible before theyll pay for any broken glass. You can pay more for Full Glass coverage to eliminate any deductibles for broken glass. Some companies give you full glass at no extra charge as a selling feature.Medical Coverage Covers medical expenses from your crash injuries and covered persons in your car, no matter who was at fault.No-Fault, Personal Injury Protection (PIP) In most no-fault states, PIP covers medical and rehab, work loss, funerals, and other expenses incurred by you, your family, passengers in your vehicle, and pedestrians injured by your vehicle. Not every state has this coverage, and it pays for damages regardless of who is at fault in the accident. Thats why they call it no-fault.Liability Coverage Similar to Bodily Injury coverage. Liability covers only the damage caused by you to someones property, car, fence, lawn, telephone pole, house, etc. When you are at fault in a wreck, this coverage is invoked when the other driver makes a claim against your Insurance“>insurance to repair their car.Towing If your car breaks down, this coverage will pay for a tow truck or roadside assistance to get your car going again. This usually pays about 50-75.Underinsured or Uninsured Motorist One of my personal favorites. I think EVERYONE should have this coverage, because it protects us from all the loser morons out there who refuse to insure their cars. Here in Florida, uninsured drivers is worse than a problem, its a plague. I know so many people who got burnt royally because of uninsured drivers. In Florida you have to show proof of Insurance“>insurance to renew your tags. But many people just take out a policy, send in proof to the state, then let the policy lapse after a month, and then the policy gets canceled. If I was king, the Insurance“>insurance companies would notify the state, who would then send a tow truck to impound these losers cars, and they dont get them back until they renew the Insurance“>insurance, and pay the towing fees on top of that. Underinsured Motorist pays for your injuries up to the policy limit when the other driver either has no Insurance“>insurance, or their lame coverage cant pay for you injuries or property damage. This coverage usually includes hit and run drivers as well.How to get car Insurance“>Insurance Discounts We all want a bargain, and Insurance“>insurance goes up every year. There are discounts if we can satisfy some basic criteria. Make sure you ask your agent if you qualify for any of these discounts. Heres a list of things that might get us discounts off our Insurance“>insurance:AIR BAGS And AUTOMATIC SEAT BELTS Automatic seat belts are those annoying belts that choke you when you close the door. Some companies might discount up to 30 off Personal Injury Protection and Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts. This discount is given because the Insurance“>insurance company knows youll be belted in every time, hence your risk of injury in a crash is much less than someone else who is not belted in.ANTI-THEFT/ALARM Some companies give discounts off the Comprehensive premium when an active anti-theft device is present. This usually means a burglar alarm. Some companies may discount more if the alarm arms itself automatically when you turn off the vehicle. This 5 discount usually does not add up to much, but combined with other discounts listed here, will certainly make a dent.ANTI-LOCK BRAKES(ABS) If you have Anti-lock brakes(ABS), you may 5 or more off Bodily Injury and Property Damage coverage.DRIVING SCHOOL Some companies give drivers under age 25 who complete a state approved drivers education class up to 10 off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.SAFE DRIVER Sometimes if youre a safe driver, usually 3 years with no points, you qualify for additional savings on different types of coverage. The Insurance“>insurance company will let you know. Usually on your Insurance“>insurance bill youll see something that says Your premium reflects the maximum discount allowed for safe driver.MULTI-CAR or HOME CAR If you insure 2 or more vehicles on the same policy some companies may give you a discount. They may be equally generous if you have your home and both cars insured with them as well.SAFE VEHICLE Some Insurance“>insurance companies classify certain cars as Safe Cars, meaning theres statistical data to suggest that theres less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.
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