Auto Insurance Secrets

September 23, 2010  Written by Tiffany Flores  
  1. Cars image by Ellanorah from Fotolia.com  There are a number of secrets to buying car insurance. The calculation of auto insurance rates is a process shrouded in mystery. Almost no auto insurance companies are entirely transparent on how they develop their rates. Rather, applicants are usually asked to answer a series of questions covering vital statistics, personal history and driving record. The companies then use the responses to generate a quote. Yet, there are a number of secrets to this process that have become public information; knowing them can lead to cheaper rate quotes.

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How to Insure a Kit Car in Massachusetts

September 17, 2010  Written by Tiffany Flores  

Instructions

  1. 1

    Get an appraisal for your vehicle. Because you have built this vehicle from the ground up, you will need to get an expert to certify the value in writing. He will take into account the condition of the car as well as any special components or parts that you have added to the vehicle. Be sure to use a local appraiser from Massachusetts as the values of automobiles vary slightly throughout the country based on ZIP code.

  2. 2

    Contact an insurance company that specializes in kit cars and hobbyist items. Both companies Hagerty and American Collectors specialize in insurance for collectible and kit cars.

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How to Use Your AAA Auto Insurance to Get Dynamic Deals

September 16, 2010  Written by Tiffany Flores  

Instructions

  1. 1 shopping list image by Warren Millar from Fotolia.com  Create a list of places where you regularly spend money.

    Consider your current spending habits, thinking specifically about the type of businesses you frequently patronize. For example, favorite restaurants, retail stores, hotels, movie theaters, amusement parks and museums. Create a physical, or mental list of these establishments. Also include places where you have always wanted to shop, but previously believed you could not afford.

  2. 2 doing research image by Leticia Wilson from Fotolia.com  Compare your list with AAA database of discount providers.

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Government Auto Insurance Programs

September 11, 2010  Written by Tiffany Flores  
  1. a car in a car show image by Gary from Fotolia.com  For drivers that cannot afford high premiums, there are low-cost automobile insurance plans available from the government. Automobile insurance is mandatory in all 50 states. Premium rates differ depending on the population of a certain area and on the income of the insured driver. Insurance plans are widely available through private insurance companies, though for those with lower income, there are less expensive public auto insurance options. Those insurance plans may come from either state governments or the federal government.

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Car Insurance & Vandalism: What Is a Fault Claim?

September 04, 2010  Written by Tiffany Flores  

    Your Liability

  1. According to most insurance companies, the party who is legally liable for the vandalism is also the party “at fault.” Without another party to hold liable, you and your insurance company become legally liable.
  2. Your Steps

  3. Filing a police report is your first step. Gather all documentation, including copies of the police report, receipts for stolen or broken items, and any witness statements. Contact your insurance’s claims department as soon as possible.
  4. Your Responsibilities

  5. After the police have inspected the initial damage, it is up to you to avoid further damage.

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