Are You Comparing Car Insurance Like a Caveman? No offense but are you allowing auto insurance companies to give you their so called “best rate” going to an Auto Insurance Company and asking them who has the Cheapest Car Insurance is like visiting Google headquarters and asking them who has the best Search Engine of all time? Here is where we step in, You provide your zip code and we will compare car insurance with multiple car insurance providers our goal is to put you within reach of the best company so you can get insured safely and less costly so rather than feeling the need to compare car insurance rates at an auto insurance company we provide you with an unbiased based car insurance search.
Auto Insurance is Required in all 50 States here are the Top 5 Most Expensive and Least Expensive States
Auto Insurance 101
Most Expensive
1. Michigan
2. Louisiana
3. Kentucky
4. West Virginia
5. Mississippi
Least Expensive
1. Massachusetts
2. North Carolina
3. Hawaii
4. Alaska
5. Oregon
7 Most Common Auto Insurance Claims
1. Fender Benders
2. Theft
3. Whiplash
4. Vandalism
5. Windshield Damage
6. Back Injuries
7. Animal Collisions
10 Distractions – Be Less Distracted when Driving, 10 ways to be Distracted while Driving Your Car
1. Other Occupants in the Vehicle
2. Moving Objects in the Vehicle
3. Listening to Cellular Phone
4. Using other Devices
5. Smoking
6. Eating
7. Deep Thinking
8. Moving Objects outside the Vehicle
9. Looking at Other Occupants
10. Using a Map
30 + States that Banned Texting while Driving
Each State may have different factors that may apply to driving while texting ban.
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Georgia
Illinois
Indiana
Iowa
Louisiana
Maryland
Massachusetts
North Dakota
Michigan
Minnesota
Nevada
New Hampshire
New Jersey
New York
North Carolina
Oregon
Pennsylvania
Tennessee
Utah
Vermont
Virginia
Washington
Wisconsin
Wyoming
Texas
Indiana
Kansas
Mississippi
Missouri
Nebraska
West Virginia
Kentucky
Indiana
Florida
Florida Lawmakers recently Approved A Ban on Texting While Driving, Texas doesn’t have a complete ban on texting while driving the rules for Texas most certainly varies.
Quick fact: It generally takes drivers 5 seconds while looking at their phone before a crash or near crash accident.
Quick Auto Insurance 101
- Collision Insurance
In the event of an accident, collision insurance compensates you for damage to your own vehicle.
- Property Damage
This covers the repairs of the other person’s property.
- Personal Injury Protection (PIP)
Personal injury protection compensates you for your own injury-related expenses, health care, work income lost and child car expenses. If you have good health insurance or disability insurance, you may not need personal injury protection.
- Body Injury Liability
You’ll want bodily injury liability coverage of at least $100,000 per person and $300,000 total as personal injuries are usually the most expensive part of an accident.
- Motorcycle Insurance
All states require riders to carry minimum bodily injury liability, but minimum policies can leave you more likely to be targeted by lawsuits in the even of a serious accident.
Car Insurance Rates – How are They Calculated?
1. Driving Record and Claim History
2. Age and Marital Status
3. Your Car Type
4. Gender
5. Location/State and Zip Code
6. Your Insurer and Policy
7. Credit Rating
8. Insurance Deductibles
9. Occupation
10. Theft Protection Devices (or Parking Indoors at Night)
Quick Fact: Did you Know Auto Insurance is Tax Deductible for Business Use?
