Tuesday 8 May 2012

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Tuesday 17 April 2012

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    ventures pertaining to auto insurance.


    The idea of basing car insurance rates on actual miles driven has been gaining ground forseveral years and has really gone into high gear recently.
    For example, GMAC Insurance offers discounts to OnStar users who limit their mileage and agree to let the GMAC confirm it via the OnStar system’s diagnostics reports. Progressive Insurance now markets its Snapshot plan in 27 states, offering the possibility of up to 30 percent savings. The company says more than 100,000 consumers have signed up for Snapshot to date.
    After years of discussion about privacy and other policy issues, California has finalized pay-as-you-drive regulations and recently approved applications by the Automobile Club of Southern California and State Farm Mutual Automobile Insurance to offer the plans. Consumers can either self-report actual odometer readings at the beginning and end of policy periods or use a telematics device that plugs into the vehicle’s onboard diagnostics port to do the job. Allstate recently debuted its Drive Wise program in Illinois, with plans for expansion to other states in 2011. At least one other insurer is conducting a pay-as-you-drive pilot program.
    Pay-as-you-drive insurance appeals to consumers because it offers the possibility of lower rates. Insurance companies like it because telematics devices, which are required in most pay-as-you-drive plans, transmit accurate driving data and let insurers match the price of their coverage to the actual risk posed by drivers.
    Telematics used by automotive systems like OnStar will wirelessly transmit vehicle information for such things as automatic roadside assistance or remote diagnostics, but the use of such technology has raised the hackles of some state regulators and privacy advocates. There’s particular concern when the devices report more than just miles driven. The programs from Progressive and Allstate, for example, report mileage but also monitor driving behavior, such as when during the day or night a car is driven and the driver’s acceleration and braking patterns. Additionally, Allstate’s device takes note when a policyholder drives over 80 mph, and Allstate’s Drive Wise site on the Web notes that such speeding can affect the policyholder’s rating.
    The number of miles driven by a policyholder tells part of the risk story, but so does driving behavior, says Richard Hutchinson, Progressive’s manager of usage-based insurance. “If you drive a lot compared to average, you are a higher risk,” he explains. “And if you drive aggressively, odds are you’re a higher risk as well.”
    Hutchinson says Progressive measures aggressive driving through braking patterns.”If you’re aggressive, you are probably in closer proximity to other vehicles and trying to get around them, and so you have more braking events,” he adds.
    For consumers who are willing to be monitored, pay-as-you-drive plans permit individualized coverage for the first time, Hutchinson notes. This can be a real benefit for people who don’t fit the profile of their risk group.
    “The industry tries to identify people who are like you,” he says. That can work, but it doesn’t always. A teenage boy who’s a cautious driver might still face high insurance rates because he’s being lumped in with teenagers who speed and swerve. A careful teen driver could benefit from an insurance rate that’s based on his actual driving patterns, Hutchinson tells us.
    Progressive’s marketing and privacy materials — as well as Hutchinson himself — take pains to say that the Snapshot device is only tracking “how safely, how often, how far and when” its customers drive, not where they drive. According to Progressive’s Snapshot privacy statement, the device does not contain GPS technology and “does not track vehicle location or whether you’re exceeding the speed limit.” Hutchinson says, “We also don’t know who is driving the car in which the device is installed.”
    In the case of the Auto Club of Southern California, the telematics device that members can use for mileage reporting can serve double duty. It does have GPS capability, so members can elect to use it for roadside assistance or to keep tabs on the driving behavior of a teenager in the family, says Auto Club spokesman Jeffrey Spring.
    He stresses that the GPS feature won’t be used for insurance purposes. The Auto Club is “very respectful of privacy, and when we say we’re only collecting mileage for policyholders, that’s all it’s going to do,” Spring says.
    Such assurances don’t satisfy privacy advocates, who see in insurance companies’ use of telematics the potential for privacy breaches.
    “As privacy advocates, we are concerned about the slippery slope,” says Paul Stephens, director of policy and advocacy for the San Diego-based Privacy Rights Clearinghouse. “You’re starting with benign information, but once you have the infrastructure in place, there’s always the possibility of expanding it to other uses that are not quite as benign.”
    Pay-as-you drive plans that just use devices to report aggregated miles driven in a policy period are not as problematic as devices that are more “robust,” Stephens says. “The level of concern is going to depend on precisely what data is being transmitted to the insurance companies.”
    GPS is the real sticking point, Stephens says. If a driver frequents bars or red-light districts, or travels to an abortion clinic, that information should stay private, he says. “Why should your insurance company need to know you were at an abortion clinic or if you go to a bar frequently?”
    Such examples are exactly why Progressive doesn’t use GPS, Hutchinson explains.
    “The most sensitive issue is location tracking,” he says. “We’ve been at this for quite some time, and we’ve concluded there are arguments on the benefits of location, but concluded we didn’t need it for purposes of rating risk.” Not using location information takes the most serious privacy arguments out of the conversation, he adds.
    To some, the privacy argument is utterly overblown. Most people use mobile phones with GPS every day without a second thought, says John Canali, an analyst with Boston-based Strategic Analytics, Inc. which researches and advises on automotive electronics and related technology.
    And if pay-as-you-drive plans establish a good track record of not misusing the driving behavior collected, users will likely be less worried, he says. He notes that drivers were leery of automatic tolling systems such as FastPass when they were first introduced.
    “These concerns largely went away when consumers saw that the data was not being used against them to issue speeding tickets,” Canali says.

    10 Steps to Buying Auto Insurance

    When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don’t want to pay more than you have to. Unfortunately many people are doing just that, simply because they don’t want to spend time shopping for car insurance. It’s not inherently enjoyable, after all, despite how it looks in commercials featuring disgruntled cavemen and joke-cracking spokespeople.
    But by doing some comparison shopping, you could save hundreds of dollars a year. When one of our editors used a rate-comparison service, he got basic coverage quotes for his two old cars that ranged from $1,006 to $1,807 — a difference of $801 a year. If you’re paying thousands to your current insurance company because you have a couple tickets, an accident or an out-of-date and unfavorable credit rating, shopping your policy against others might be well worth the effort. Look at it this way: You can convert the money you save into buying something you’ve wanted or needed for a long time.
    Step 1: Decide How Much Coverage You Need
    To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state, so take a moment to find out what coverage is required where you live. You will find a list of each state’s requirements and an explanation of the various types of insurance in “How Much Car Insurance Do You Need?” Also, check out “Little-Known but Important Car Insurance Issues,” which has a glossary of basic insurance terminology. If you’re a first-time driver and need a comprehensive overview of car insurance before you go on, reviewthis guide from the National Association of Insurance Commissioners. Now you’re ready to make a list of the different types of coverage you are considering.
    Once you know what’s required, you can decide what you need. Some people are quite cautious. They base their lives on worst-case scenarios and insurance companies love that. Insurance companies are in the risk business, and they know a policyholder’s likelihood of being in an accident, as well as how likely it is for a car to be damaged or stolen. The insurance company crunches the information it has collected over decades into actuarial tables that give adjustors a quick look at the probability of just about any occurrence. You don’t have those tools at your disposal, so your decision will depend on your own degree of comfort in assuming a certain level of risk.
    Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let’s say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you’re at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren’t covered by your policy.
    General recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (usually expressed in insurance shorthand as 50/100/25). Here again, let your financial situation be your guide. If you have no assets that an attorney can seek, don’t buy coverage unnecessarily.
    Your driving habits might also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, or if you have a lead foot, or if you make a long commute on a treacherous winding road every day, then you should get more complete coverage. Collision coverage pays for damage that your car experiences in an accident or damage from hitting an inanimate object (a tree, light post or fence, for example). Comprehensive coverage addresses damage that didn’t occur in a collision — such as from fire, theft or flood. It also covers damaged windshields.
    Keep in mind that you don’t have to buy collision and comprehensive coverage. Let’s say your vehicle is older, you have a good driving record and there is little likelihood that your car would be totaled in an accident, but a high likelihood of it being stolen. Then you could buy comprehensive coverage and skip the collision insurance.
    Step 2: Review Your Current Insurance Policy
    Read through your current policy or contact your auto insurance company to get the information you need. Jot down the amount of coverage you have now and how much you are paying for it. Take note of the yearly and monthly cost of your insurance, since many of your quotes will be given both ways. Now you have a figure to beat.
    Step 3: Check Your Driving Record
    You should know how many tickets you have had recently. If you can’t remember how long that speeding ticket has been on your record, check with your state’s department of motor vehicles. If a ticket or points you earned are about to disappear, thus improving your driving record, wait until that happens before you get quotes. Nothing drives up the price of insurance like a bad driving record.
    Step 4: Solicit Competitive Quotes
    Now it’s time to start shopping. Set aside at least an hour for this task. Have at hand your current insurance policy, your driver license number and your vehicle registration. You can begin with online services. If you go to an online site to get a quote for an insurance rate, you can type in your information and begin to build a list of companies for comparative quotes. Keep in mind that not all insurance companies participate in these one-stop-shopping sites, however. If a recommendation from friends and family or other research points to a company that you think might be a winner, you can go directly to its Web site or call its toll-free number to get a quote.
    Each quote form takes about 15 minutes each to complete. It might be well worth your time, since if the entire shopping process takes you two hours and you save $800, you’re effectively earning $400 an hour.
    When you use these sites, you might not get instant quotes. Some companies may contact you later by e-mail. Some that are not “direct providers” might put you in touch with a local agent, who will then calculate a quote for you. (A direct provider like Geico sells insurance policies directly to consumers. Other companies, such as State Farm, sell insurance through local agents.) You can learn more about the various kinds of agents here.
    Step 5: Gather Quotes and Company Information
    While you’re researching companies, take careful notes so you can easily make price and coverage comparisons. Keep a list of:

      • Annual and monthly rates for the different types of coverage. Make sure to keep the coverage limits the same so you can make apples-to-apples comparisons for cost and coverage.
      • The insurance company’s 800 telephone number, so you can get answers to questions you couldn’t find online.
      • The insurance company’s payment policy. When is the payment due? What kinds of payment plans are available? What happens if you’re late in making a payment?

    In later steps, you’ll add some more information to this list.
    Step 6: Work the Phones
    Once you have gathered information online, it’s time to work the phones. Contact those companies from which you haven’t been able to get an online quote. Doing the research by phone can actually be easier and faster than on the Internet, provided you have your driver license and vehicle registration close at hand. When you get a quote over the phone, be sure to confirm the price by asking the representative to e-mail the quote to you.
    Step 7: Look for Discounts
    When you’re making these calls and shopping online, make sure you explore all your options relating to discounts. Insurance companies give discounts for such things as a good driving record, your car’s safety or security equipment and certain occupations or professional affiliations. Some companies are now offering lower rates if you enroll in “pay as you drive” plans. Some will give substantial discounts for young drivers in the family who have high grade-point averages. (You can use this as an incentive to your teen drivers and offer to share the savings with them.) Also consider using the same insurance company for home and auto policies. That will usually get you a better price. For more guidance on discounts, check out “How to Save Money on Car Insurance” and “Top 10 Ways To Lower Your Car Insurance Bill.”
    Step 8: Assess the Insurance Company’s Track Record
    You now have most of the price and coverage information that you need to make a decision. You can see which company’s coverage is least expensive, but it’s important to keep in mind that cheap isn’t the only basis for choosing an insurer. How do you know which company is financially sound? How do you find out if an insurance company is going to treat you right — particularly in the event of a claim?
    Here are some places to check to develop a clearer picture of an insurance company’s track record for fairness, financial stability and customer service.
    1. Use the National Association of Insurance Commissioners’ Consumer Information Source to access information about insurance companies, including closed insurance complaints, licensing information and key financial data. You also can visit your state’s department of insurance to check consumer complaint ratios and basic rate comparison surveys.
    2. Consider contacting an independent insurance agent for additional information about a company.
    3. Check out the financial strength ratings for an insurance company by referring to the ratings from A.M. Best and Standard & Poor’s (registration may be required).
    4. Review consumer satisfaction surveys from J.D. Power and Consumer Reports (subscription required).
    5. Ask friends and family about their insurers and whether they’re satisfied with them. In particular, ask them how their insurance companies treated them if they had a claim. Did they get fair, straightforward service? Or was it a hassle to get the matter resolved?
    Step 9: Review the Policy Before You Sign
    When you’re done your research and zeroed in on a company, read over the main points of the policy. In addition to verifying that it contains the coverage you’ve requested and priced, it’s a good idea to find out if the policy states that “new factory,” “like kind and quality” or “aftermarket parts” may be used for body shop repairs, says Dennis Howard, director of the Insurance Consumer Advocate Network. If the policy has such a requirement, think hard about whether this is the company for you, particularly if you own a relatively new car that you plan to keep for a while. In this case, it’s best to know at the outset that the insurer will pay for original manufacturer parts, rather than try to fight later, when you have a claim.
    Step 10: Cancel Your Old Policy; Carry Your Proof
    After you have secured the auto insurance policy you want, cancel coverage with your existing insurance company. If your state requires you to carry proof of insurance, make sure you put the card in your wallet or the glove compartment of your car.
    Finally, here’s a quick checklist to keep you on track:

      • Determine your state’s minimum insurance requirements.
      • Consider your own financial situation in relation to the required insurance and consider whether you need to increase your limits to protect your assets.
      • Review the status of your driving record — do you have any outstanding tickets or points on your driver license?
      • Check your current coverage to find out how much you are paying.
      • Get competing quotes from Internet insurance Web sites and individual companies of interest to you.
      • Make follow-up phone calls to insurance companies to get additional information about coverage.
      • Inquire about discounts.
      • Evaluate the reliability of the insurance companies you’re considering by visiting your state’s insurance department Web site, reviewing consumer surveys and talking to family and friends.
      • Review the policy before finalizing it. Remember to cancel your old policy.

    Car Performance and the Cost of your Insurance

    When you renew your car insurance, do you ever think about the factors that impact on the price you pay? This can often be very interesting as many people don’t stop to consider why they pay the price that they do. For instance, one factor that has a big impact on the cost of car insurance is the performance of the car itself.
    It can be tempting to think that the better a car performs when you are driving, the less your car insurance will cost. Of course, while things such as how quickly a car comes to a stop when you brake are taken into account, factors such as acceleration and speed also play a role.
    This means that even if your car performs well when it comes to braking, any cost benefits on your car insurance can be cancelled out if it has a high top speed and accelerates faster than most other cars – and it can even push the cost of your insurance up considerably.
    This is because most cars that have a high top speed and accelerate extremely quickly are high performance cars, and statistically speaking they are more likely to result in insurance claims than cars with a lower top speed and more sedate acceleration. The car insurance companies build this into the insurance that you pay, so if you own a high performance car you are likely to have to pay more to insure it even if you never make use of your car’s capabilities.
    Similarly, if you own an old car where the performance has been affected by age and deterioration, you might find you have to pay more to insure it, too. All of this is based on the likelihood of accidents in various types of cars: the higher the risk your car is seen to pose, the bigger the impact on your insurance costs.

    SUV Auto Insurance Coverage

    The sports utility vehicle is quite expensive to purchase and maintain due to high fuel and insurance charges. The high-speed sports utility vehicles are quite risky to drive and the chances of their involvement in accident are high so the car owner has to buy heavy insurance premium policy to protect the car. You can compare car insurance premium prices online to get the best deal suitable for the vehicle.
    HBF Car Insurance offers cheap comprehensive car insurance policies in Australia. Get a free car insurance quote and buy cheap car insurance online.
    The auto insurance coverage offered for SUV differs in terms of charge and protective cover. The comprehensive car isnurnce coverage protects the SUV from damage caused by weather changes like fire, theft, hail, floods and tornado. The auto insurance coverage of comprehensive type can be lowered down by increasing the deductibles. It is good to keep your deductibles in low range to get the needed support from the insurance company in the event of any natural calamity. The collision coverage for SUV will protect you against any physical car damage either due to lamppost collide or with another vehicle.
    This coverage is voluntary but the SUV owner must take it, as the high speed of the vehicle always risks the car collision and proper coverage will avoid hefty invoice of any car repair. The compulsive insurance cover for the car is liability coverage, which covers the damages caused by the vehicle to other people or to your possession. The damage caused to other people might leave them in lurch so the government has made the driver liable to pay off for the losses incurred.
    While driving the SUV if damage is caused to you or anybody else vehicle, your insurance company will reimburse for the damage. The insurance provider of that SUV pays even the medical expenditure of anybody injured or hurt. The SUV owner with small liability will have to pay fewer premiums next year but if you have claimed high liability then you will be forced to pay 
    Hey welcome to Auto Insurance World, the new Auto Insurance World. Here you’ll be able to read all about auto insurance, ask questions, and everything else that relates to auto insurance. We’re starting fresh, new website, new website link, everything. We’ll be putting our articles back up that received the most traffic. So hope you find something that helps you in your ventures pertaining to auto insurance.