Insuring the electric car

Hybrid cars, like the Toyota Prius and Camry, Ford Escape, Honda Insight and various Lexus models have been around for a few years now. They are soon to be joined by two new types of vehicles, the plug-in hybrid and the pure electric vehicle.

Electricity with a side of gasoline

Plug-in hybrids, like the upcoming Volt from General Motors, combine an electric motor and battery pack with a gasoline engine and generator that run the vehicle once the battery pack is discharged.

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Pay Less Car Insurance to Safeco

There are many steps you can take to lower your car insurance bill, according to “A few quick steps could cut your car insurance bill in half.”  The article, by Sandra Block of USA Today, gives numerous tips to help consumers lower their car insurance rates.

Decrease the amount of coverage that you are holding on an older vehicle.  If it isn’t worth much to begin with, make sure you aren’t carrying too much insurance.  At some point in your car’s life span, it can be wise to eliminate collision and comprehensive coverage.  While it isn’t always easy to determine exactly when to do this, you can save up to 40% from your insurance rates.  It has been said that once your vehicle is worth less than 10 times your premium you should make this move.

By raising your deductible, you can can decrease your car insurance bill from companies like Safeco car insurance by nearly half.  If you are a safe driver and can fairly easily come up with the money for a higher deductible, this step may be right for you.  Before buying a new car, make sure that you find out how much more it will cost you to insure.  Your rates will be based on the price, theft rates, safety records, and repair costs.

When looking for insurance coverage for a teenager, make sure to check rates for adding them to your policy as well as getting them their own.  Purchasing from a high-risk insurance company for your teenager could cost less than adding them to your policy.  Always research any discounts that may apply to you.  If you start working from home or using public transportation more, you might qualify for a low-mileage discount.  Certain safety features, a good driving record, maintaining your policy for many years, and driving less overall should be able to get you discounts as well.

Comparing Car Insurance Quotes, Confirming Insurance Company Reliability

Avoid the Snap, Review The Insurer For Reliability

When pushed on time, one of the best ways to shop and save on car insurance is by comparing quotes online. Life can get busy and we used to have the time to call around from one agent to the next. With today’s busy schedules, online quoting has made this process much easier. Instead of calling around from one agent to another, getting all your quotes in one shot is definately the best way to go.

These days most states make it mandatory to keep and maintain an active auto insurance policy. M

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Fake out: How to avoid staged car accidents

According to the National Insurance Crime Bureau (NICB), fraudulent auto accident claims increased 46 percent between 2007 and 2009. During this same time period, the ratio of questionable bodily injury (BI) and personal injury protection (PIP) claims to total injury claims has also increased; however, the overall number of BI and PIP claims has declined.

Common fraudulent accident types

The most common types of fraudulent accidents are the: swoop and squat, side swipe, panic stop, and drive down.

Swoop and squat

In this fraudulent accident scheme two or three criminal vehicles target one innocent victim.

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What Is Medical Payments Coverage?

Fact: 6,000 Pedestrians Killed Each Year In U.S.

Medical payments coverage is a type of medical coverage offered in auto insurance policies. Each state has different requirements as far as auto insurance is concerned. While some states may require you carry this coverage, others may have medical payments coverage an optional coverage.

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