Of course, every driver needs car insurance in order to legally operate a motor vehicle. This is generally accepted by most people as something that just have to be, but for the curious ones out there that want to know exactly why they need to have car insurance, this article is for you. Hopefully this can help you understand why it is necessary, and why you should try to find an insurance company that completely covers your financial liability.

Paying For Damages

Damages that are caused by a car accident usually rise up to several thousand dollars, which is a lot more than most people have in their bank accounts. Not only that, but even if they did manage to somehow have several thousand in their account, it would definitely hurt their savings to have to shuffle that money out for an a...Read More

The WVGazette.com reported on Dec 10, 2013 "State mulls rise in minimum auto insurance liability" - you can click HERE to read the entire article that covers a topic in State Minimum Auto Insurance from California to Nevada to Texas to Georgia.

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No matter how toned your driving skills are, there is always the chance that you will get into a car accident. It may not even be your fault, which shows just how unavoidable it really is. People make mistakes, and you need the financial liability to protect you should you make this mistake or it is made by somebody else. What are you supposed to do should this happen?
Insurance Agent

If you have car insurance, which you should because it is required by law to operate a vehicle, you should contact your insurance agent as soon as possible. You will have to file a claim that states exactly what happened during the accident and what the cause was. Also, you will have to notify them of the damages that were caused. Depending on your policy, all of the damages may be covered, or just some of them. However, if...Read More

Few Ways to pay less for your Auto Insurance Premium

As automobile insurance is a requirement for everyone in the United States, millions of people look for the best rates in the car insurance field each month. With the special promotions from certain car insurance companies competing against one another to the cheaper rates that are found through online auto insurance companies, there are many ways to going about finding the right automobile insurance company th...Read More

If you are paying a high amount for your car insurance each month, it is no wonder that you want to try and figure out how to reduce the amount that you pay each month. It doesn’t have to be difficult to get your insurance at a reduced rate; you just have to know how to do it. With that in mind, let’s look at some of the different methods that you can use to reduce your insurance costs and save money.

It Starts With Your Insurance Provider

Saving money on insurance all starts with the insurance company that you choose. Your insurance provider is the one that is charging you the amount you aren’t pleased with each month. There are several options that you can go with when dealing with your insurance company.

First off, you can get a new policy. There are usually several different polici...Read More

You are speeding down the freeway at 75 mph to try and get to work on time, but you suddenly see flashing lights behind you. Instantly, you know that you are being pulled over. You silently curse under your breath and get to the side of the road. Of course, driving that fast has gotten you a pretty expensive ticket, which the officer writes up. He gets in his car and drives off. Now what?

Your Options

You have several options that you can choose among when you receive a traffic ticket. First of all, you can accept your fate and take the fault for the ticket. If you were driving 75 mph, this would be the easiest option because you were more than likely clocked on a speedometer, and with that big of a speed boost above the speed limit there wouldn’t be any way for it to have an error.

You also have the option of...Read More

If you have looked into getting an insurance policy for your teenager, you have probably found out that it actually costs you more each month to protect their financial liability than it would cost for yourself. This isn’t something that is specific to your insurance agency; this is the way that every insurance agency works. Why should someone have to pay more just because they are younger?

Increased Statistics

The main reason that insurance will cost more for a teenager is due to the fact that they simply get in more accidents than any other age group out there. While teenagers only make up 10 percent of the total population, they account for 12 percent of all fatal car crashes that occur.

The fatality rate for teenagers is also much higher because teens are much less likely to wear a seat belt than ...Read More

Google By Brian Marquis

It was announce through Big Independent Group (BIG), an insurance industry group in California, that Alliance United has issued their one millionth policy. The statement read

Alliance United Insurance Services achieved a new milestone! On behalf of Alliance United Insurance Company, on its

Ten Year Anniversary, our Read More

Google By Brian Marquis

Most teenagers cannot wait to turn 16 and be qualified to earn their drivers license. For parents it can be a welcome development since the teenage driver can now take over many of the driving tasks necessary in connection with their school or recreational activities. But in general, it can be rather expensive to obtain car insurance coverage for a younger driver. So here are some suggestions to help you to find the most cost effective coverage for your teen.

Almost all car insurance companies offer some type of discount for young drivers who attend and successfully complete a drivers education program. If your child’s school offers such a program or you can find a local driving school which offers an accredited program, it is generally more than worthwhile to take advantage of the savings in rates.

Some insurance companies offer special...Read More

Chicago-based QuotePro has announced their expansion into 38 States with their Retail Website Solution. Quotepro Technology allows online consumers to price shop and purchase Auto Insurance 24/7/365.

QuotePro's innovative web solutions stem from experience gained from over 20 years experience working with agencies who sell both standard and non-standard auto insurance.  "We have listened to our agents, our partners, and we have developed new ways to reach consumers.  In doing so we have developed the ultimate online sales tool for auto insurance.

With QuotePro technology, clients can sell online 24/7 and take payments on Websites and Mobile Applications. "We have clients that are closing over 50 deals a day through Quotepro Powered Websites - that is the equivalent of 25...Read More

Illinois is now poised to raise mandatory auto insurance minimums.  An article in the Chicago Tribune on May 28th reported, "The Illinois House passed legislation over the weekend that would raise the minimum liability coverage -- insurance that helps pay for injuries to others -- to $25,000 for injury or death to one person, up from $20,000. It would also increase minimum coverage to $50,000 for injury or death of two people, up from $40,000."

QuotePro, the industry-leading comparative rater for auto insurance, ramped up immediately.  "We are ready to implement new defaults for our Illinois users that reflect the new state law," said Chris Albu, QuotePro's Sales Manager.  

"This actually demonstrates QuotePro's continous improvements and flexible infrastructure."  Albu noted that QuotePro is continually upda...Read More

Brevardtimes.com reported today¹ that there are disparities in the premiums being paid by auto insurance based on your zip code in Florida with Miami residents paying up to $2632 and the lowest was reported to be $1043 in Gainseville.  

The averages reported are based on insurance for a single 40-year-old male driver of a 2012 Honda Accord with a clean record and good credit who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. "This highlights the need for independent agents to use a comparative rater.  

With increasing economic pressures that everyone is facing these days, you can be sure that ...Read More

On July 4, 2013 the Chicago Tribune reported that IL is set to raise the minimum required liability coverage for auto insurance to $25,000 for the injury or death of one person.  The minimum required liability coverage is currently $20,000. The bill is awaiting the signature of Gov. Pat Quinn.  

The increase is being attributed to the rise in costs associated with an accident, namely hospital and healthcare costs.  

The article states that the cost of state minimum auto insurance will rise about $75 per year.  "This will surely add pressure to those already feeling financial pressures.  

Yet again, this will reinforce the need for a quality independent insurance professional who you can trust to find the best rate and the best policy for you and your family," said Chris Albu, Sales Manager at Quo...Read More