insurance cars

motor rates

2010-08-18T04:23:00.000-07:00

Further to the news that car insurance premiums have jumped 14.2% in the second quarter 2010 it was interesting to note NIG's recent announcement that they were changing their strategy and moving away from the personal lines market, writes Paul Muir, managing director at 1 Answer Network.

Even though rate increases have been seen for many months - and are still being seen - there is still some way to go before the market hauls its way back to profitability and a position of sustainability. However these rate increases have to go hand in hand with the reduction of costs in the claims process to ensure profitability. The squeeze is still being felt by high street brokers who more than ever are finding it difficult retain clients even though historically business transacted on a face-to-face basis has performed better than the market in general.

Rates

I still see that face-to-face and local business has an edge when it comes to profitability particularly as it is much less likely that fraudulent claims will come from this sector of the market. It would therefore make sense for more insurers to support this area by providing rates that are able to compete with the larger multi-national brokers who will generate business from many sources.

The situation regarding zero or minus commission is affecting the market particularly for insurers who are trying to price themselves out of certain sections but finding themselves being placed on cover for risks that do not fit their risk profiling. This practise will continue to distort figures for insurers going forward and will hinder the process of generating profitable accounts.

In conclusion the market still continues to suffer, however much has been done to address the issues although I can see further increases will still be seen through the third and fourth quarters of 2010 until insurers can be more confident that future years trading will return to profitability allowing some to shore up their depleted reserves.

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First Volkswagen Insurance Services Program in the Middle East now

2010-08-18T04:18:00.000-07:00

Volkswagen Middle East – the regional office of Europe's largest car manufacturer – has launched the Volkswagen Insurance Services Program in the Middle East. The exclusive program offers branded Volkswagen insurance solutions through just one provider, eliminating the typically complicated multiple insurance provider relationships that customers currently endure.

Conveniently obtained from Volkswagen Middle East partner showrooms, the program offers a simplified auto-insurance process with unique benefits ensuring a superior and dedicated level of service and customer satisfaction. The products include Volkswagen Extended Warranty, Volkswagen Motor Insurance, Volkswagen Roadside Assistance and Volkswagen GAP Insurance.

"Volkswagen Middle East constantly strives to provide our customers with increasingly better service and solutions to their automotive needs," said Stefan Mecha, Managing Director of Volkswagen Middle East. "As a vehicle owner myself, I am well aware of the headache it can be trying to find, purchase and juggle more than one insurance provider for my car. This new regionally supported Volkswagen financial service offering was created to solve this problem for our Middle East customers, and provide convenient simple support from the moment they leave the showroom."

Developed by Volkswagen Financial Services AG (Volkswagen FS) – a wholly owned subsidiary of Volkswagen AG responsible for the worldwide financial services activities of the Volkswagen Group – the highly customer and brand focused program is aimed at adding value to the Volkswagen brand experience by providing customers with peace of mind through an increased trust in vehicle ownership.

A staggered introduction of the new insurance program to Volkswagen partner showrooms across the region has commenced, with the service currently available to customers in Qatar by official Volkswagen partner, Saad Buzwair Automotive. Behbehani Motors Company, the official Volkswagen partner for Kuwait, will be next to feature the program in the final quarter of this year, with other Middle East partners set to follow in 2011.

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Car Insurance in usa

2010-08-18T04:14:00.000-07:00

British hire car drivers visiting the USA are missing out on millions of pounds worth of savings.

Each year, a staggering £280m* is spent on insurance by UK drivers of rental vehicles in the States, according to research by iCarhireinsurance.com, the provider of low-cost, comprehensive hire car cover.

Car rental desks in the USA typically charge around £12.61** a day for Collision Damage Waiver and Supplemental Liability Insurance.

1.3 million Brits hired cars in the USA in 2009 for an average of 16 days, and most buy their insurance from the car rental company or as part of a fly-drive package. This means UK holidaymakers spent as much as £280million on hire car insurance.

But it needn’t be this way. Many rental companies give customers the choice of hiring a car in the USA inclusive, or exclusive of insurance, so it is important that customers take advantage of the opportunity to shop around, and discover if they can get a better deal elsewhere.

iCarhireinsurance.com’s daily US and Canada policy costs just £4.99 a day, and is fully comprehensive, saving customers more than £7.62 a day. This means that UK hire car drivers in the States could be £169m*** better off each year, if they simply bought their cover online from iCarhireinsurance.com in advance, rather than from the car rental desks or as part of a package.

The iCarhireinsurance.com USA & Canada policies are not only much better value than those available at most car rental desks, they offer even more security, with cover for Road Rage, Carjacking, Travel Expenses, Hotel Expenses, and Drop-off charges. Furthermore, annual policies offer 60 days’ continuous cover at no additional charge.

Those hiring a car in the USA for any more than 22 days a year would be better off purchasing an iCarhireinsurance.com annual policy at just £109.99.

Ernesto Suarez, founder and CEO of iCarhireinsurance.com said, “We are urging customers to buy before they fly. The USA is a great place to visit, but it can be very expensive for UK travellers at the moment. With just a little bit of planning, like buying your car hire insurance before you leave for the States, you could make significant savings. The amount of money spent by hire car drivers in the USA on insurance is extraordinary, but so much of it is unnecessary. Rental companies charge over the odds but holidaymakers do have a choice and they must use it.

“At iCarhireinsurance.com we’ve created a range of policies that are cheaper and more comprehensive than those offered at car rental desks. Furthermore, our website has been designed to cut through the insurance mumbo jumbo, making it easier for customers to find the cover they need and buy the right policy at the right price.”

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Connecticut Car Insurance - Auto Insurance Quote in CT

2010-08-17T06:55:00.000-07:00

If you are shopping for local auto insurance in Connecticut, you are at the right place. CarInsurance.com offers over a dozen strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. You can purchase a policy through CarInsurance.com. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

Connecticut Car Insurance Requirements

Connecticut state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage with 20/40 UM limits.

Connecticut Insurance Coverage:

Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit
The state of Connecticut follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, Connecticut state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in Connecticut and available to help you all the way through the quote and purchase process.

See how Connecticut's car insurance quotes are trending. CarInsurance.com's Average Premium Trend Tool shows these changes in Connecticut auto insurance rates, over the past few months. The arrow shows the montly trend and the graph shows the change in Connecticut's average car insurance rates over the past few months. Hold your mouse over the points to see Connecticut's annual average premium.
	2 %

Get local car insurance in all of Connecticut. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.

Local car insurance is available in all of Connecticut!

The average auto insurance premium for residents in Connecticut is $2,063 in 2010; the national average is $1,577. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. CarInsurance.com helps you find the competitive rates and discounted prices available in Connecticut, so average Connecticuters can get a better-than-average rate on their auto insurance.
2010 has had a decrease in auto insurance rates. It is important to shop for car insurance so you get the best available rate! CarInsurance.com brings competition directly to the consumer and we work to lower your costs through technology.
Even within the state of Connecticut, rates have changed over the past few years. Comparing the current average car insurance rates, the average auto insurance premium in Connecticut is 3% lower in 2010 than 2009. 2009 was 7% higher than 2008 in Connecticut. Now is the perfect time to shop for new low rates on your auto insurance, by requesting a quote online you could save hundreds instantly!

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For those with a great driving record and even those with the not-so-great driving record, we can give you the best rates available in Connecticut. We believe it is very important to take care of yourself and your property, and CarInsurance.com has the most affordable rates in Connecticut. We allow you to compare the rates and purchase on one site. All the residents of the Constitution State know that to get the low cost rates from a reliable company, CarInsurance.com is the only name you need to know.
Looking for car insurance in a state other than Connecticut? At CarInsurance.com, we provide the low cost quotes and rates for all 50 states and the District of Columbia. To get a quote for another city or state, type in your zip code above and find out how much you can save. For more information, choose a different state below.
If you are shopping for local auto insurance in Connecticut, you are at the right place. CarInsurance.com offers over a dozen strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. You can purchase a policy through CarInsurance.com. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

Connecticut Car Insurance Requirements

Connecticut Insurance Coverage:

See how Connecticut's car insurance quotes are trending. CarInsurance.com's Average Premium Trend Tool shows these changes in Connecticut auto insurance rates, over the past few months. The arrow shows the montly trend and the graph shows the change in Connecticut's average car insurance rates over the past few months. Hold your mouse over the points to see Connecticut's annual average premium.
	2 %

Get local car insurance in all of Connecticut. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.

Local car insurance is available in all of Connecticut!

Map

Satellite

Hybrid

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Traffic cams and car insurance

2010-08-17T06:49:00.000-07:00

Should traffic cameras be used to identify motorists who drive without auto insurance?

A plan by Oklahoma lawmakers to use traffic cameras to nail motorists who drive without auto insurance slammed into a brick wall last week.

The idea, proposed by Oklahoma Gov. Brad Henry, had been expected to raise $50 million in its first year by snagging not only uninsured Oklahomans, but also motorists from other states who pass through without auto insurance.

According to the Associated Press, lawmakers applied the brakes when they failed to find a company that could provide car insurance verification data for all 50 states. State officials also had not authorized uninsured motorist fines to flow into the general fund. Supporters hope to revisit the proposal next year.

The American Civil Liberties Union expressed concern that such a program would violate the privacy rights of all Oklahomans, 20 percent of whom currently roll without qualifying liability coverage.

Until now, the debate over traffic cameras has largely centered on their effectiveness -- and cost-effectiveness -- as a traffic safety measure. Supporters claim that so-called "red light" and "speed" cameras discourage motorists from running traffic lights and speeding at a fraction of the cost of law enforcement officers. Opponents call the cameras an invasion of privacy with little or no impact on public safety, designed primarily to increase revenue for the authorizing municipal or county governments.

Gov. Henry's proposal to use traffic cameras to enforce mandatory state auto insurance statutes may open up a whole new can of contention.

Jim Baxter, president of the National Motorist Association, calls compulsory auto insurance not just a failure but counterproductive. In Baxter's view, the main cause of uninsured motoring is economic: the poor can't afford car insurance. Fining people who can't afford car insurance only leaves them with less money to buy coverage. He says revoking their license is similarly wrongheaded. What are they supposed to do, not drive to the job they need to support their family?

What do you think? Should traffic cameras be used to single out and fine uninsured drivers?

Discover money-saving tips for buying, selling, owning, leasing or insuring a vehicle with Bankrate’s Car & Money News, delivered to your inbox the second and fourth Saturday of each month. You also can check out the latest auto insurance rates at InsureMe.com, a Bankrate company.

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In insurance, cars OK, but not people

2010-08-17T06:44:00.000-07:00

Property damage to cars and injuries from traffic accidents are seemingly of greater concern than illnesses to people and the costs of paying for medical care.

At least, that’s the logic in Missouri after voters two weeks ago rejected one element of health-care reform — the first ballot-box test of the new law.

About 70 percent of voters opposed the federal mandate to require individuals to be insured with government help or to buy health insurance.

The Patient Protection and Affordable Care Act requires all U.S. citizens and legal residents not otherwise covered by employers or a public program to insure themselves or pay a penalty. Exemptions from the requirement include those with religious objections to insurance, people whose household income is less than the income-tax filing limit ($18,700 for a couple), folks who aren’t insured for less than three months, or people who can’t purchase a basic insurance policy for less than 8 percent of their income.

Missouri drivers and owners must have some type of motor vehicle liability insurance coverage, as mandated by the state, according to the Missouri Department of Revenue.

“Each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance,” the department explains. “The result of this ranges from unpaid collision damage claims to higher insurance premium rates for all Missourians.”

Ah. But if someone falls ill or is injured and has no health insurance, Missouri voters apparently think it’s OK that medical bills and health providers aren’t paid, patients and hospitals alike lose a lot of money, and the resulting losses result in higher health insurance premiums for all.

Illinois also requires the state’s drivers to have car insurance — and carry proof of insurance. Here, the liability insurance must at least cover $20,000 for the injury or death of one person and $40,000 for the injury or death of more than one person; $20,000 for an uninsured motorist’s injury or death of one person and $40,000 for the injury or death of more than one uninsured person; plus $15,000 for damage to someone else’s property.

Why is that sensible but health insurance is not?

It’s not just Missourians throwing a selective tantrum. Besides votes on the individual mandate, lawsuits are challenging the constitutionality of the whole law. Twenty state attorneys general have joined a court challenge, and Virginia claims its state laws pre-empt federal law.

Besides politics, there’s the misleading or incomplete information running roughshod over reality. The law gives states choices and funding, for example. States can opt to enforce the law themselves and establish their own insurance exchanges, or let the federal government do it, an approach the U.S. Supreme Court has approved. Also, although health-care reform expands Medicaid, it provides for 100 percent funding by the federal government through 2017, dropping slightly to 90 percent by 2020. Further, the law eases costs to states that have to pay for care not now covered. Finally, states can leave the Medicaid program if they think it’s too costly.

The politics are clear, from the GOP piling on President Obama to its attempts to manipulate public opinion against Congress’ health-care reform supporters before November’s election. The law is also clear, according to Jost, writing in The American Prospect magazine.

“Assuming the courts follow precedent and the mandate is found constitutional, the courts must dismiss the Florida case,” he says. “The Virginia case falls as well. The Constitution’s supremacy clause precludes states from nullifying federal law. Under long-established and recently reaffirmed Supreme Court precedent, a state lacks standing to challenge the constitutionality of a federal law.”

Indeed, in a separate case about comparable issues, even conservative Justice Antonin Scalia said that Congress has the power to regulate economic activities within states — or non-economic activities.

Can’t we care for people at least as well as we do for cars?

Contact Bill Knight at bill.knight@hotmail.com.

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Getting The Most Affordable Car Insurance

2010-08-17T06:34:00.000-07:00

It’s much easier to avail affordable car insurance quote nowadays than most people think. This is because there are plenty of auto insurance companies online that provide these. This could be a wonderful opportunity for car owners who have a limited financial budget and more importantly who do not intend to spend much in their auto insurance covers. Nevertheless, to get to obtain the cheapest auto insurance could be a challenging task and that’s where the need for professional services provided by a reliable and reputable online car insurance company arises. So it’s important that you begin your endeavor with locating one that actively assists you to get the most affordable deal. Here is some useful information pertaining to the same which could guide you in finding the best auto insurance service.

When you are out to search for cheap new car insurance online, you need to research a bit by shopping around and securing offers from a number of auto insurance firms. In the next step, it is imperative for you to compare the quotes offered by different car insurance coverage lenders. But it could be important for you to note that all affordable auto insurances are not comprehensive. Besides, you need to locate an offer that fits your financial standard and budgets. So it is critical for you to choose a quote that is not just cheaper but comprehensive as well as quality service oriented. A dependable and trustworthy online car insurance company could be of immense assistance in helping you to secure the best auto insurance quote which is cheap and offers numerous other benefits to you.

Get Free Quote For You Car Insurance – Apply Now

Another important aspect of automobile insurance is that if your primary objective is to save a lot of money in case of any eventuality such as an accident then you need to ensure that the cheap used car insurance which you obtain should not render you under insured or else your investment could turn out to be a waste. That’s precisely the main reason why you need to select the best auto insurance firm. Currently, there are a lot of companies which guide car owners in securing affordable auto insurance covers by providing professional services. Such services help you to secure free online car insurance quotes in large numbers and even actively assist you in comparing them. However, considering the aforesaid intricacies, it is always advisable to get more information by utilizing the expert services of reputed online service providers like AutoDriver

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Five Cars With Surprisingly High Insurance Costs

2010-08-17T06:25:00.000-07:00

Get a more expensive car, and you might expect the insurance premium to be quite a bit higher.But that's not always true. Instead, the most expensive cars are often those models most often involved in accidents. Insurance companies know they're more likely to have to pay out a claim on cars that, for whatever reason, tend to be involved in more crashes than others.

The Insurance Institute for Highway Safety (IIHS), an auto safety research lab funded by a consortium of insurance companies, publishes a list of the cars that cost its members the most money in claims each year.

The Institute doesn't publish numbers until it has three years' worth of data on each model, so the current list is for 2008 model year cars. But the list is an excellent predictor of the cars that will be most expensive to insure next year...and the worst of the bunch may surprise you. Three of the top five can be bought new for under $20,000.

They may look cheap up front, but these cars will cost you in the long run.

2008 Mitsubishi Lancer

Mitsubishi Lancer

The IIHS reports six types of claim -- how much insurance companies paid out to cover collision claims, property damage claims, bodily injury claims, medical payments, personal injury protection claims and comprehensive losses. This year, for the second time since the data has been published, only one car was labeled a "substantially higher risk than average" in every single category. The Mitsubishi Lancer can be fun to drive, but it will cost you when that little green lizard sends you his bill. The Lancer is a popular choice among young driving enthusiasts, and its Evo model puts a lot of power in your hands at a surprisingly low price. Those traits, however, make it popular with young men looking to drive too fast, and insurance companies have the data to prove that doesn't always end well.

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