Car Insurance Archives

Top 10 Ways to Break Your Texting While Driving Habit

Distracted driving is 100% preventable. At the core of the issue is texting while driving. Distracted driving killed 3,092 people nationwide and injured approximately 416,000 in 2010. America is addicted to texting while driving. To stop texting and driving is proving to be a hard habit to break. But, there are ways that you can work to break your texting while driving habit. As you drive, consider when you become bored behind the wheel and inattentive. Try to take notice when you pick up the phone to start texting, surfing the web, or updating your Facebook status. You may not even realize that you are doing it because it has become second nature. Once you realize that you are engaging … Read more

Do We Really Care About Texting While Driving? How To Implement Real Social Change!

by Hank Coleman

Dangers of Texting While Driving - Do We Really Care?

Do we really care about the dangers of texting while driving? Drivers and the insurance industry have to take a hard stance on texting while driving. Do we as a society really care about texting while driving? Or, do we simply pay lip service to the dangers? I am of the belief that Americans look the other way and really do not care about people who are texting while driving. Despite it being illegal in 38 states across America, we have done little to nothing to stop the rising trend. A survey released by State Farm in November 2012 found that 68% of drivers ages 18 to 29 text while driving, up from 64% last year, and 48% of them … Read more

The Four Of The Best Car Insurance Discounts

by Hank Coleman

Do you have the best car insurance discounts? Car insurance is a highly competitive business that is great for individual consumers. Most car insurance companies will keep their rates low to attract and keep consumers. They fight against each other because customers are so fickle and hard to come by, and the insurance companies offer generous discounts to both new and existing customers. Here is a list of the most common types of car insurance discounts and what you need to do to qualify for them. Remember, every car insurance company maintains its list of the best car insurance discounts offered, but these are some of the most common ones from across most insurance carriers. They are also some of the … Read more

How Tickets Can Affect Your Car Insurance Rates

by Hank Coleman

What is one of the first things that you think about when you get pulled over by the police for speeding or some other traffic violation? I know that one of my first thoughts goes to my car insurance and how much my car insurance premium may go up if I get a ticket. We all understand that tickets affect insurance rates, but many of us do not know how do speeding tickets affect insurance rates and how other violations play into our rates. Now, Insurance.com has done the leg work for you with a new study that they have just published dissecting how much auto insurance rates increase for common driving violations. Insurance.com analyzed over than 490,000 car insurance … Read more

What Is Gap Insurance on Your Car and Why You Need It

by Hank Coleman

What is gap insurance? And, do you need it? Gap insurance is a type of car insurance policy that is designed to cover the gap between what the value of your car actually is, and what you owe on the vehicle, in cases where the vehicle is totaled in an accident. Depending on the type of car insurance you have, the insurance company may not cover the full value of the loan in certain cases. This is where gap insurance comes into play. How Gap Insurance Works Gap insurance is designed to help those who put low down payments on a car, or for other reasons, do not have a lot of equity in the vehicle. In cases where the … Read more

Counting The Cost Of Uninsured Drivers

by Guest Contributor

There’s no denying it: car insurance is pricey, and the cost goes up year on year. Add to that the impact of the global economy, and some decide that they’ll simply drive around without car insurance and save themselves $1,000 or more. They figure that it’s a victimless crime, but they would be wrong. We are picking up the cost of their negligence.

There is a cost of uninsured drivers in America. The cost of uninsured drivers raises others insurance premiums.

Worse For All Of Us

In 2007, uninsured drivers cost the rest of us over $10 billion, and 13.8 per cent of Americans are estimated to be uninsured. This sparks off a vicious cycle of repetition – as insurance premiums go up, more people will decide to drive without insurance, which will push