The New Year is here and now is the perfect time to shop around for new auto insurance. The deals are out there and you could save a lot of money by just taking the time to look around a bit. There are many insurance companies competing for your business and many are offering special rates, or discounts based on driving records and other criteria.
Whatever your particular situation may be, there is an insurance carrier that has a deal for you. If you have had bad luck in the past and have a less than spotless record, there are companies that specialize in second chances and they may offer you coverage with significant savings. If on the other hand you have a good driving record, some companies are offering discounted rates for good drivers.
There are many ways to save on insurance in 2014. Start making calls and find out what’s out there, you may be pleasantly surprised.



With today’s economy the way it is and people just trying to save anywhere they can it may seem easy to let your car insurance lapse. Some people see an easy savings if they let their car insurance lapse with the idea that they will simply reinstate it as soon as they have the money. The problem is that it will probably end up costing more in the long run.
When an insurance company sees that you have been driving without insurance even though it is required by state law they will assume that you are an irresponsible driver. The insurance company will often see this as an additional liability and they will make you pay for it. There are many other reasons why letting your insurance lapse isn’t such a good idea, such as loss of earned discounts and putting yourself at risk should you be involved in an accident. Next time you think of ways to save money think twice before you decide to let your insurance lapse.



The idea of dual mode transport has been around for some time, but now especially in China the concept is starting to take hold. But what is “dual mode transport”? Basically the concept is that you have a vehicle such as a car or wagon to get you almost where you’re going and then you unload a smaller vehicle to get you the rest of the way.
Here in the United States this would probably be seen as a luxury, but in China where traffic congestion is becoming a major problem this can be a viable solution. Most of the major auto makers are keeping a close eye on how the Chinese auto market will react to some of the new dual mode transport models soon to be offered.
Although traffic congestion in the U.S. is nowhere near that of China, dual mode transportation is being seen as a possible way of dealing with an ever aging population which will still need to get from point A to point B.



In today’s economy more people are deciding to hold on to their cars for longer periods of time. The used car market is doing strong business because car buyers are seeking to save money by purchasing used instead of new vehicles.

If you own, or maybe are planning on buying a used vehicle, there are strategies you can use to both save on insurance and get the best coverage for your money.

Know the value of your car and decide whether to insure just for liability. For further protection there are some things you may want to consider like uninsured or underinsured motorist coverage, or personal injury protection and medical payment coverage.

Older cars tend to break down more than newer cars so it may be sensible to get coverage options like towing and labor coverage. These types of coverage’s can help you out in times of need and after all that is what really matters.

Ask an agent to help you decide what works best when it comes time to insure your older car.



Life insurance is something that most people seldom think of because they don’t see the value of it. But if you care about your family you can quickly realize just how important life insurance can be.
Life insurance protects those left behind when the insured dies. It can help pay funeral expenses and unpaid bills. Most people just don’t think far enough ahead to wonder what will happen after they die. How will their surviving family pay for things when they aren’t around?
It is easy to understand that although life insurance can be a great help it can also be difficult to afford for some. Insurance companies realize this and so there are policies that may be more affordable. Though these policies may not have all the frills of more expensive policies they can still help in a time of need. Even a small amount of coverage can help if an untimely death occurs.
Next time you do your budget see how much money you can spare for insurance. Your family will be much better off and will thank you.



One of the most exciting times in your life is when you buy your first car. Your car represents the freedom to go places when you want or need to without having to rely on anyone else. Along with the thrill of having your first car comes the despair of having to buy auto insurance for it. Auto insurance is something most people don’t care for until they need it, and then it’s a blessing.
Today, auto insurance is the law, but it wasn’t always that way. Auto insurance began in 1865 as a specialty product for early auto enthusiasts. Back then, an English insurance agent wrote out the first automobile liability insurance policy, and the first policy in the United States appeared three years later. Massachusetts was the first state to require all drivers to have insurance starting in 1927.
Auto insurance has been around a long time, and it will probably be around for a long time more.



Having your car stolen is can be an extremely frustrating experience. Not only do you have to deal with the personal violation of having your personal belongings taken from you but you then have to wait. Your insurance company won’t pay right away. First there will have to be a police report filed, and then there will be a waiting period to see if the car is recovered.
Finally if the vehicle is not recovered the insurance company will calculate the vehicle’s depreciated value and pay you enough to buy a similar used vehicle.
Theft is part of your comprehensive coverage along with fire, vandalism and weather damage. Depending on your cars value you may choose not to purchase comprehensive coverage at all. If you decide that your car is not worth the extra cost of comprehensive coverage you can go without knowing that if it is stolen, you won’t be getting any money to replace it.



When you are a business owner you know that business insurance is something you absolutely need. Sometimes it may be helpful to know what the most common types of claims are. Knowing the most common types of claims can also be of interest to those who are starting a new business, or plan to start a new business.
There are three basic categories that common business claims fall into.
Public and product liability claims resulting from accidents. Accidents can cause damage as well as injury. Having insurance may also cover your business for liability to a third party.
Burglary and theft is another common claim. As a consequence of theft you may lose contents and stock items as well as sustaining some damage to your business premises.
Fire and perils is the third most common category of claim. Fire caused by accident or faulty equipment can damage or completely destroy business.
This information is something to keep in mind when shopping for business insurance.


thquake California is known for its nice sunny weather and beautiful beaches, but it’s also known for its earthquakes. California is earthquake country and as most Californians know, it’s only a matter of time before the next “big one” strikes. Preparations are always being made and improved, and practice scenarios are constantly being conducted by state and local governments in anticipation of the next big earthquake. Some homeowners are also trying to prepare by putting together emergency supplies and planning for safety and survival. Unfortunately because of the economic situation, many are choosing to go without earthquake coverage on their insurance policies as a means to save money. Going without earthquake coverage may seem like good idea now, but if your house is damaged or destroyed in the next earthquake you and your family may be left without a roof over your heads. It won’t hurt to find out what earthquake coverage costs, and it may be worth it someday. Call an agent today.



According to the National Motorists Association, Ohio is the state that gives out the most speeding tickets. Second on the list of which states give the most speeding tickets is Pennsylvania. New York comes in at third place which is surprising when you consider how many drivers there are in New York. California is fourth at giving out speeding tickets.
Speeding tickets account for a solid source of revenue for these states and can usually set you back at least $400 in most cases, and that’s not counting how much more you’ll be paying in increased insurance costs.
The National Motorists Association who publishes this information is a driver’s advocacy group that promotes fairness in traffic laws and is trying to get speed limits increased. So next time you’re driving in one of these states be extra watchful of the speed limits and take it easy on the gas pedal.

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