Travel Insurance 24

An innovative new device can help drivers get cheap car insurance.  Jolie O’Dell’s article “Insurance Company Tracks Driver Responsibility With In-Car Device” on Yahoo!News describes the “Snapshot” program.  The device plugs into cars to track the responsibility of drivers.  If it shows that you are responsible, you can get up to 30% off of your car insurance premium.  Progressive auto insurance is offering this device in New York right now, but hopes to bring the program to other states soon.

Progressive monitors drivers for 30 days with the small device that plugs right into the diagnostic port in your car.  The “Snapshot” tracks what time of day you drive, how frequently you drive, if you make sudden stops, and other driving behaviors.  Drivers who drive less often or during the least busy driving times will get larger discounts off their car insurance premiums.  There is no GPS with the device so drivers don’t have to worry about being tracked or losing privacy.  This high-tech device may be used by other insurance companies in the future.

We all love a bit of snow, don’t we…

Don’t we?

Well, no. Not all the time. Because if you’re travelling, the white stuff can be a nightmare. And the havoc really unfurls when it comes to air travel. Just ask the passengers who were recently stranded at Gatwick, Edinburgh, Dublin, Robin Hood and Durham Tees. As planes are grounded and terminals swell with troubled travellers, bad weather can mean the only things to go sky high at the airport are frustration levels.

So what do you do if your holiday travel is disrupted by bad weather? What are your rights? Is the cost of travel protected? Can you Read more…

Drivers in the state of Ohio pay less for their car insurance than drivers in most other states, but they better have the correct coverage or they will pay a penalty.  According to “Complying with Ohio Insurance Law” from Online Auto Insurance, all Ohio drivers must follow the Financial Responsibility (FR) law of the state.  Drivers also cannot allow someone to drive their car if it is not properly insured or if the other driver cannot prove Financial Responsibility.

An insurance company like Encompass Auto Insurance can help Ohioans obtain the minimum coverage they need to be legal.  The liability limits they need to cover are $12,500 for one person’s bodily injury, $25,000 in bodily injury per accident, and $7,500 in liability coverage for property damage.  All car insurance companies will issue an identification card with your proof of coverage that should stay in your car or with you whenever you are driving.  You’ll have to show the police that card in the event of a traffic stop or car accident.

If you really don’t want to purchase insurance coverage, you can satisfy the Financial Responsibility law by purchasing a $30,000 government bond from the Ohio Treasurer or a few other sources and filing a certificate with the Bureau of Motor Vehicles (BMV) stating your financial coverage.  Without carrying the proper insurance coverage, your license could be suspended, your car could be impounded, and you could pay hefty fees to get both of those back.

According to Wallet Pop’s Gina Roberts-Grey, “Cutting the cost of your car insurance” is easier than you might initially think.  The author’s tips usually only take a quick phone call or a bit of research and can save you quite a bit on your car insurance.  Bundle up any insurance policies that you can.  Usually keeping your homeowners and car insurance policies with the same company can save you money.  Always check back in with your insurance company every year or so to see what kind of new discounts may be available.  Most consumers buy insurance then don’t think about it again when this can cause you to lose out on discounts.

Shopping around is crucial to finding the best car insurance.  Agents don’t have access to all insurance companies so shopping online and calling companies like Infinity Auto Insurance to get rate quotes may end up saving you money.  Check your current policy and see if there is any excess coverage that you don’t need to carry and that your state does not require.  Don’t add teenage drivers onto your car insurance policy because your car is almost always covered no matter who is driving.  Adding teenagers onto your policy will inevitably increase your rates, but is not necessary unless they have their own car in their name.

The article recommends dropping collision and comprehensive coverage from your car if it is seven years old or more since the value has decreased so dramatically.  By taking on some more risk and increasing your deductibles, you could save up to 30% on your car insurance bill.  Since your deductible usually is only applied when an accident is your fault, safe driving can help you save thousands by increasing your deductible.  There are also many unique discounts you can find to save you money from having a car alarm to parking your car off of the street.  Contact car insurance companies to find out how you can save money.