Do You Need to Buy Car Rental Insurance

Los Angeles Auto Insurance Assist

Okay, you are going to go for a short holiday and decided to rent a car and drive around. Now, before you decide on what and where to rent the car, did you ever wonder, do I really need to buy insurance to rent a car?

Well, the answer can either be a YES or NO. That’s really depends. Now, before you start scratching your head (most probably you are not sure why). Let me tell you why it can be either answer. It is because you need to do some homework yourself to find out if you have adequate car insurance coverage before you decided. If you have enough coverage, then, it is not necessary for you to purchase a car rental insurance. And if you don’t, then, it is of course necessary for you to buy, so that you can have a peace of mind that you are covered.


So, what should you do then to find out if you have sufficient car insurance coverage?


First of all, contact your car insurance company to find out in detailed the coverage and deductibles you have on your own car insurance policy. In most of the cases, these items would apply to a rental car as long as it is being rental for pleasure and not for business purpose. So, it is important to find out more information from your insurance company.

Secondly, you need to call your credit card company to find out the type of insurance your card company provides when you charge the rental cost to the card. The type of coverage might vary from different cards, so, find out more about it.


Now, if you don’t have any car insurance, what can you do?


Do check back tomorrow as there will be a post on what you need to do when you are going to rent a car and you don’t have any car insurance policy purchased.



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Los Angeles Auto Insurance

Why You Need A Car Insurance

Car Insurance Assist

In my very first post on this blog, I talk briefly about why do you need to buy a car insurance. Today, I am going to explain in more detailed why you need to buy car insurance and what is the reasons behind it.


Now, the number one reason why you need to buy a car insurance is because it is illegal to drive without a car insurace. It is by law that you need to have a valid car insurance policy in force before you drive. So, of course, nobody can stop you if you want to drive without a car insurance, as long as you are not involve in any accident or being spot check by any traffic police, you probably are safe temporary. But, be clear about it, if anything go wrong, you will be in a big shit. You are simply going against the law, and the penalty that comes with it will be very heavy.


The number two reason why you need to buy a car insurance is because it is meant to be there to protect you and the other people. As I mentioned in my first post, if there is any accident, damages, injury or any other issues arises out of the accident, a car insurance will form the protection by paying money for any cost arises. Today, the medical cost, car repair are all increasing, and without the car insurance, beside facing penalty for driving without car insurance, you will also be facing a big amount of debts arises out of any accident.


So, is it clear that car insurance is a must?


BB's site is at

Los Angeles Auto Insurance

How Parents Can Help Teenage Driver

You are happy that your son or daughter gets their driving license, and your teen boy or girl is very excited to be able to start driving. But, before they can do so, they need to buy car insurance

The problem is, for teenage driver, the car insurance premium can be very expensive as insurance companies classified them as high risk. So, you need to be very careful and selective in order to buy a car insurance that is affordable and within your budget.

But, as parents, can you help? Yes, you can. In fact, you are able to chip in and help along, and of course, your child needs to play their part also in order to get a cheap car insurance.

The following are suggestions that you can help your teen.

1. Add your child to your car insurance policy.
   
   Instead of buying a separate policy for your child, include them as an additional driver into your car insurance policy. Your child will be entitled to all the discount your policy have by doing it this way.
   



2. Set a good example to your child.
   
   Watch your behaviour when you drive. Your child may learn the way you drive, the way you react when you are driving. Don’t tailgate, overspending, or yell at other driver when they overtake or horn at you. Talk to your teen and show them the right behaviour.
   



3. Educate your child
   
   Driving after consuming alcohol is very dangerous. It is very common that teenager likes to go parties and take alcohol, and they will think that there is no problem controlling the vehicle even after drinking. It is your responsibility to put across this message strongly to your child. If you drink, don’t drive.
   



4. Spend Some Time to be A Passenger
   
   Try to find some time to be just a passenger. Let your son or daughter be the driver and you observe how they drive. If they are doing things that are wrong or unsafe during the journey, talk to them nicely and show them the correct way. If they are driving fine, don’t hesitate to praise them. Acknowledge their great effort.
   

BB's site is at

Los Angeles Auto Insurance

How to find Cheap Car Insurance For Teenage Driver

Car Insurance companies do consider driver's age as one of the factors involved when selling the car insurance policy.

For teenage drivers, the car insurance companies consider that they present more risk due to their age and experience in handling the auto vehicle, and a higher chance exposed to accident and dangerous driving. That's why for teenage drivers, they will find that their premium will be higher and more expensive and it is more difficult to find a cheap car insurance policy for this group of driver.

As we know, age is only one of the many criteria involved in calculating the premium of the car insurance for teenage driver, there are many others factors that can affect the premium rate; things like clean driving record, years with the insurer, car model and many more. Therefore, you can still find ways to get a better quote by doing your own homework.

The following are 3 suggestions for teenage driver’s consideration when buying a car insurance policy:-

1. Don’t buy a sports car.
   
   It is always very tempting to get a sports car, but, do consider again because the car insurance for this type of car model will be higher. It would be advisable to get a car that equipped with the latest safety features as it would definitely helps to lower the premium cost. Also, don’t try to modify or alter your car to look for racier as it might affect your car insurance as well.
   



2. Keep a clean driving record.
   
   This is an unspoken rule and everybody knew it. Always bear in mind that your driving record will have the most direct impact on the premium of your car insurance policy you going to purchase. So, always make sure that you drive safely and carefully, be alert at all times and most importantly, steer clear of any accident.
   



3. Stick with the Same Insurance Company
   
   If you had already bought health or life insurance from an insurance company, check if they also offer car insurance policy. If they did, sticking with them will most probably entitle you to some discount. Or, if your parents’ had a car insurance policy, you may also want to check out if buying from the same insurer will give you any discount.
   

It is important for teenage driver to understand that in order to get a cheap car insruance, it is their responsibility to drive carefully and safety.



BB's site is at

Los Angeles Auto Insurance

Pay As You Drive - Another Cheap Car Insurance Option

It Pay to Drive Less

If you seldom drive or won't use your car that often, then in the near future, you might want to consider another cheaper car insurance option, PAY AS YOUR DRIVE? It is a very simple and straightforward type of car insurance policy, based on the fact that if you seldom drive your car, then the level of congestion, collisions and pollution arise out of driving will be similarly lower; and so is your car insurance premium. So, the policy is closely tied to the mileage of your car.

How this kind of car insurance works is simple; your insurer will actually set a dollar amount that tag to the per mile mileage based on your car type. So, if you are in for this kind of car insurance policy, you just need to buy a set of number of miles that you think is sufficient for your usage and you would be covered for that period of driving.


Although there are many people liken to this kind of car insurance, the bad news is, it is not yet available on the US market. However, there are already some insurance companies offering similar kinds of Pay As You Drive car insurance scheme, either as trial or full rollout commercial products in certain countries like UK, South Africa, Japan and Canada.

So, keep a close lookout if this car insurance scheme is being introduce in the US market.

For more information on the Pay As You Drive, click here.



BB's site is at

Los Angeles Auto Insurance

How to Buy Cheap Car Insurance

Further to my previous post on the few ways to buy cheap car insurance, I am going to explore a few other ways that can help to lower your premium payable when you buy car insurance.

As you know, it is to your advantage if you understand the criteria and factors involved when your car insurance premium are being calculated, so, without further ado, check the following ways out.

1. Consider To Have a Higher Deductibles
   
   So, what is deductibles? Deductibles are actually the amount that you are going to pay before your car insurance company's own coverage plan kicks in. By requesting for a higher deductibles, you can actually further reduce your premium amount.
   
   But why, it will reduce the premium? This is because if an accident occurs and your car is damage, you need to pay from your own pocket the deductibles you request in your car insurance policy, your insurance company will pays only the additional amount exceeding that. So, before you request to increase your deductible, please make sure that you have set aside that sum of money.
   



2. Drive Safely
   
   When buying car insurance, if you have a clean driving record, it can actually helps in securing a cheaper car insurance. This is because considering that you are less likely to involve in accident, the insurer most likely will reduce your premium amount.
   



3. Collision and Comprehensive Coverage
   
   An area where you can consider when looking for lower premium car insurance is take a look at your collision and comprehensive coverage. If your car is quite an old vehicle that have not much value, and you know that you probably won't fix or repair it if there is any damage, do consider drop the physical damage coverage on the vehicle. It will also helps to lower your cost for the car insurance.
   

So, check out the above points and do consider them when you are looking at buying a car insurance.

3 Ways To Buy Cheap Car Insurance

Buy Cheap Car Insurance

There are a lot of factors involve that will decide what you are going to buy, whether it suits your needs and also how much you need to pay for your premium when buying car insurance. In fact, buying auto or car insurance can be a very challenging task nowadays. It is necessary that you understand the factors involved before deciding on the car insurance.

In general, there are a few important points that you need to know before deciding which car insurance to buy. The following ways will help you in getting cheap car insurance.

1. Get Quote from Different Car Insurance Companies
   
   Currently, there are a lot of companies competing online for car insurance business. It is always advisable to get quotation from a few companies and make compare. Although this may take up some of your times, but, it can possible save you a couple hundred of dollars due to competition among the companies. So, always remember, shop around for different quotes so as to get a cheaper car insurance.
   



2. Check the Types of Discount Available
   
   There are various types of discount scheme available from car insurance companies. If you don’t ask for it and utilized them, you will end up paying higher premium. Based on a range of factors including whether your car has air bags, are there anti-lock brakes installed, daytime running lights, anti-theft devise, automatic seat belts; your premium may be a lot different.
   
   It is a known fact that buying two or more insurance policy from the same insurer will give you a higher discount. If you have more than one car, you should seriously consider buying from the same insurer to enjoy higher discount. At the same time, you may also want to consider buying your homeowner insurance together with your car insurance to obtain a better discount rate and hence a cheap car insurance
   



3. Eliminate Duplicate Coverage
   
   Okay, you need to sit down and check out other detailed coverage of your car insurance. They may include items like medical, car towing and other coverage. Check them out one by one, and drop those that you are already covered in your other insurance policy.
   
   For example, if you are with AAA, the towing coverage will no longer be necessary in your car insurance as they are already covered with AAA. Or, if you have already bought a health insurance policy, you also don’t need to include the medical coverage in your car insurance.
   

All these small items, when added up, will actually affect the premium that you pay for your car insurance. So, in order to achieve your ideal cheap car insurance premium, you need to check out clearly what is necessary and what is not necessary.



BB's site is at

Los Angeles Auto Insurance

Car Insurance Assist

Los Angeles Car Insurance Assist

A very warm welcome to you.

So, you are here checking out more about car insurance. Like me, you are probably ignorant of the industry and spend quite a lot of time reading up about them. Like me, you probably haven't decided which one is suitable for you.

With the vast advancement of internet, now, many companies are competing online to offer their best rates, which you probably won’t find it a couple of years back. So now, you have the advantage of sitting in front of your computer comfortably and do your own research online to see which company offered you the best rates.

Before you even started, do you know why you need to buy car insurance?



Why do you need to buy car insurance?

The answer to the question is very simple: to protect you and other people. You see, with so many motor vehicles on the road, there are bound to have accidents. When that happens, your car might be damage; you might suffer injury, your passengers might get hurt, pedestrian on the road might be hit by your car and get injured; and many others possible damages. So, who is going to pay for all these? That’s where car insurance will come in. Car insurance will assures protection by paying for the damage or injury arising from the accident.

So, now you know why. Then, what is this site all about?



So, what is this site got to do with car insurance?

Well, this site is totally different from all the other car insurance sites on the internet, because I don’t sell insurance to you. My site is more like a review site and, me being such a nice guy, I'm going to tell you what are the things to avoid, to look out and to research on for car insurance. I am also going to tell you what to do when accident happens, how to claim, how to file and the various steps to followed. In the near future, I might be talking more about car, things like maintenance, servicing, and how to reduce your risk involve in accident.

All this will help toward lower your premium payable for the car insurance.


That’s all for this post.


BB's site is at

Los Angeles Auto Insurance