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		<title>AutoInsuranceSelect - Latest Updates</title>
		<link>http://www.autoinsuranceselect.com/</link>
		<description>AutoInsuranceSelect - Cheapest car insurance</description>
		<language>en</language>
		<pubDate>Wed, 08 Feb 2012 10:52:11 -0700</pubDate>

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			<title>When Will a Person Be Required to Have Full Coverage Insurance?</title>
			<description><![CDATA[To get tips on when you will be required to have full coverage insurance, you want to check out the answers offered below.  Full Coverage Insurance  F[...]]]></description>
			<content:encoded><![CDATA[To get tips on when you will be required to have full coverage insurance, you want to check out the answers offered below.  Full Coverage Insurance  Full coverage insurance covers the current value of your vehicle was totaled in an accident, liability coverage, medical and often will include costs for a rental car your vehicle is being repaired. This type of coverage also normally carries a higher monthly rate of liability coverage does. The cost can also vary with how much of a deductible that you carry on the policy.   When is is Required  One of the primary occasions when a vehicle will be required to have full coverage insurance is when the vehicle is under lien with a bank. The bank does this so that it can recoup the value of the vehicle were part of it in an accident were to occur. If the bank were to find out you did not have full or any coverage on your car, they will put insurance on it that at times can be very expensive and can be added to the cost of the loan. Your bank will keep close track of whether coverage is kept on the car or not, depending on the institution's policies.  Another Reason You Need Full Coverage on a Vehicle   The other possibility situation in which full coverage is highly recommended is in the case that you purchase a new vehicle. If you are involved in a serious accident in your vehicle is totaled, without full coverage you will not get any money from the insurance company to cost the car if you only have liability insurance. The other valuable reason to have this level of coverage is in the event that you have to receive medical attention that would be covered under this insurance.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1128/When_Will_a_Person_Be_Required_to_Have_Full_Coverage_Insurance?__</link>
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			<pubDate>Mon, 23 Nov 2009 18:00:03 -0700</pubDate>
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			<title>How Do I Get An Online Auto Insurance Quote?</title>
			<description><![CDATA[The first and most important thing about getting an online insurance quote, or any quote for insurance from anyone, is to make sure that the company i[...]]]></description>
			<content:encoded><![CDATA[The first and most important thing about getting an online insurance quote, or any quote for insurance from anyone, is to make sure that the company is one of the top companies in the world. Some major insurance companies are The Hartford, Liberty Mutual, Progressive, and Geico. All these companies will have different rates for each individual person.  General Tips  If a person is in this category, &ldquo;How Do I Get an Online Auto Insurance Quote? General Tips and Information to Look for when Searching for an Online Auto Insurance Quote&rdquo;, here are some tips to help.  Insurance Company Ratings  It is always a good idea to check the company&rsquo;s ratings before requesting a quote from them, and to know a few things about auto insurance and rates before getting a quote. A good rating will be the letter &ldquo;A&rdquo; like the letter grade from school. The ratings information for some companies will be listed under the corporate links, usually found at the bottom of their website or under the site map link.  Different Rates for different Insurance Companies  Auto insurance rates do vary a bit with each agency that offers auto insurance, and some change their rates every year. It is worth checking out rates, yearly, to make sure a person is getting the best price. Where auto insurance is concerned, if a person only needs liability, they should only get liability for the vehicle. If a vehicle is considered to be worth more, then it may be a good idea to consider putting full coverage on the vehicle. It is recommended that each person acquire at least three auto insurance quotes, form three different companies, so that they can compare quotes and get the best prices.  Online Auto Insurance Quote  As mentioned above, there are some top companies where a person can get an online auto insurance quote. Most of the websites will have a section on the first page of their website where consumers can request a quote from them. If a person prefers to contact the company by telephone, this information is usually listed under the link called, &ldquo;contact us&rdquo;.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1125/How_Do_I_Get_An_Online_Auto_Insurance_Quote?</link>
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			<pubDate>Mon, 23 Nov 2009 11:00:02 -0700</pubDate>
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			<title>How Can I Find Affordable Car Insurance?</title>
			<description><![CDATA[Secrets to help you find the most affordable care insurance out there. Tips on what raises and lowers your rate, so you know how to save money.  When[...]]]></description>
			<content:encoded><![CDATA[Secrets to help you find the most affordable care insurance out there. Tips on what raises and lowers your rate, so you know how to save money.  When shopping for affordable car insurance, the best place to start is with one's car. Keeping an economical, safe and smaller car, usually means less risk. The minimum state required insurance, is the most affordable option. Discounts are available for age, good credit, and car features. While most of these techniques to obtaining cheap insurance are usually known, very rarely are they confirmed or inquired about.  Which Car Is The Best?  The safest car on the road, will usually bring a lower insurance rate. The size of the vehicle also matters, as well as color and how fast it is able to drive. A safe car, usually has an alarm, anti-lock breaks, power features and airbags.   The Minimum Needed  A consumer should know what the minimum required insurance is for their automobile. To get the most affordable car insurance, the state minimum should be purchased. Websites are available for these calculations, and they should be written down, if not memorized so a potential policy can be checked. Some insurance companies will suggest additional insurance, and avoid using the word optional. To keep his or her rates low a candidate should always purchase the minimum required insurance, and add options later if needed.  Affordable Car Insurance With Discounts  Discounts are given for untarnished driving records, driving courses, age and good grades. Students are usually the best candidates for additional discounts and should buy economical cars, to lower the burden. Affordable car insurance is also more apparent, when one has a perfect driving record. If a driving record isn't perfect, one should consider a defensive driving course, to keep his or her car insurance affordable.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1124/How_Can_I_Find_Affordable_Car_Insurance?__</link>
			<guid>http://www.autoinsuranceselect.com/article/1124/How_Can_I_Find_Affordable_Car_Insurance?__</guid>
			<pubDate>Sun, 22 Nov 2009 18:00:03 -0700</pubDate>
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			<title>How Do I Find The Cheapest Auto Insurance?</title>
			<description><![CDATA[Three tips on how to find the cheapest auto insurance. Save money and time by following these steps to get the best deals on your insurance rates.  Th[...]]]></description>
			<content:encoded><![CDATA[Three tips on how to find the cheapest auto insurance. Save money and time by following these steps to get the best deals on your insurance rates.  The cheapest auto insurance always depends on two things, you and the car you want to insure. Insurance rates are determined by risk, and if you keep your car and you at low-risk, your rates will be lower. When searching for the best deal keep in mind that comparing rates, is only the beginning of the process. Talk to agents about discounts for better deals, and use preventative measures to keep your costs at minimum.  Compare Insurance Companies  The easiest way to find the cheapest auto insurance, is by starting with a comparison. This is usually done on the Internet. Many companies and/or websites will allow you to put in your information, and get instant quotes from several companies. Choose the insurance package, that is the minimum required for your state, and go from there adding the options you desire.  An Agent May Have the Cheapest Auto Insurance  Many times after ordering insurance on the Internet, a letter is issued with a corrected amount. This can be because the state was wrong in the system, the driving records weren't checked, or all of the car information wasn't correct. An agent is usually more reliable, when the actual purchase of auto insurance is made. They will also be up front about discounts, when you ask.  Discounts  Always ask an agent for a list of available discounts. Even if you don't qualify for them, you should still ask for a list. You may be able to take a quick class, or install a cheap alarm system in your car, to get the cheapest auto insurance. If you haven't purchased a vehicle yet, and are still shopping around, ask an agent what the cheapest vehicles are to insure, and start your search for a new car.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1123/How_Do_I_Find_The_Cheapest_Auto_Insurance?__</link>
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			<pubDate>Sun, 22 Nov 2009 11:00:02 -0700</pubDate>
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			<title>What is the Definition of Uninsured Motorists Coverage For Auto Insurance?</title>
			<description><![CDATA[Tips to Understanding Uninsured Motorists Coverage for Auto Insurance. Many insurance policies contain confusing terms and jargon. Uninsured Motorists[...]]]></description>
			<content:encoded><![CDATA[Tips to Understanding Uninsured Motorists Coverage for Auto Insurance. Many insurance policies contain confusing terms and jargon. Uninsured Motorists Coverage is a type of insurance, which is often seen, in automobile policies. Below is a helpful and easy guide to understanding this insurance and how it works.   The Definition of Uninsured Motorists Coverage for Auto Insurance   Uninsured motorists coverage is a type of insurance that protects an insured in the event that he or she is involved in an accident which is caused by another party who does not have insurance. This coverage will pay for damages to the vehicle, and in some policies, bodily injury. For example, an insured is rear ended by another vehicle. The insured has damages to the vehicle as well as their person. The driver who caused the accident is at fault and does not have insurance. The insured can claim against the uninsured motorist portion.   What If I Don't Have Uninsured Motorists Coverage?  When one is in an accident and does not have uninsured motorists coverage, he or she would need to file the claim under the collision section of the policy if his or her policy contained this coverage. Collision coverage normally carries a deductible, which needs to be paid before the insurance company pays any damages. Therefore, uninsured motorists coverage is protecting an insured party from having to pay any damages when an uninsured driver hits him or her.   What If I Don't Have Uninsured Motorists or Collision Coverage?  In addition, many people do not carry collision coverage on their policies because it is not mandated and can be expensive. Therefore, if an insured was involved in an accident with an uninsured motorist and did not have collision coverage, he or she would need to sue the at fault driver or would be responsible for all damages to the vehicle. Therefore, uninsured motorists coverage is a beneficial and important aspect of any insurance policy.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1120/What_is_the_Definition_of_Uninsured_Motorists_Coverage_For_Auto_Insurance?__</link>
			<guid>http://www.autoinsuranceselect.com/article/1120/What_is_the_Definition_of_Uninsured_Motorists_Coverage_For_Auto_Insurance?__</guid>
			<pubDate>Sat, 21 Nov 2009 18:00:03 -0700</pubDate>
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			<title>What Is The Definition Of Liability Coverage For Auto Insurance?</title>
			<description><![CDATA[Necessary knowledge to make you a smart and successful consumer of liability coverage auto insurance.   What is the Definition of Liability Coverage f[...]]]></description>
			<content:encoded><![CDATA[Necessary knowledge to make you a smart and successful consumer of liability coverage auto insurance.   What is the Definition of Liability Coverage for Auto Insurance?  Simply put, liability coverage for auto insurance protects you in the case of an auto accident which is your fault. When you have liability coverage for your automobile and are involved in an accident which is your fault the damages done to the other parties are covered by your insurance. If the damages done are greater than your liability coverage you are responsible for the difference and could be sued for that difference. That is why it is important that you discuss sufficient amounts of liability insurance for you with your agent.   Liability Coverage Requirements for Auto Insurance  All states require that you carry a minimum amount of liability auto insurance; these minimums vary per state. It is important that you research your state&rsquo;s requirements; not meeting such requirement and getting caught can lead to fines and even jail time in some states.   Liability Auto Insurance Lingo  When you go to purchase liability coverage for auto insurance it is essential to your success and understanding that you are able to comprehend the language used in your policy and by your agent. Your amount of liability coverage is expressed as a series of numbers, here is an example: 100/300/100. This means that you have $100,000 per person of bodily injury coverage, with a maximum of $300,000 bodily injury coverage per accident. The last 100 means you have $100,000 in coverage for property damages such as fences, buildings, signs etc. The damaged party&rsquo;s vehicle is not included in the property damage limitation. The damages done to another&rsquo;s vehicle is covered by the fact that you have liability insurance, no matter what the amount of the damages.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1119/What_Is_The_Definition_Of_Liability_Coverage_For_Auto_Insurance?</link>
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			<pubDate>Sat, 21 Nov 2009 11:00:03 -0700</pubDate>
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			<title>What Does Loss Payee Mean on an Auto Insurance Policy?</title>
			<description><![CDATA[Here is the real answer to the age old question: &quot;What does Loss Payee mean on an auto insurance policy? Now you can proceed with investing in a[...]]]></description>
			<content:encoded><![CDATA[Here is the real answer to the age old question: &quot;What does Loss Payee mean on an auto insurance policy? Now you can proceed with investing in a new vehicle.  Auto insurance is a very real part of owning a vehicle. It is also an important of purchasing a vehicle, especially for thos who finance that vehicle.To find out what Loss Payee means on an auto insurance policy we need to understand that most automobiles are purchased using a financial institution. Sometimes an individual will agree to loan the money to purchase a vehicle. Either way, you agree to pay them a certain amount each month until you have paid them back in full, plus whatever interest they demand.  How are the interests of the Loss Payee protected on an auto insurance policy?  To protect the interests of the lender, they will make sure that you take out an auto insurance policy on the vehicle and add them onto the policy as the Loss Payee. That means that in the event that the vehicle that was involved in the lending transaction is damaged or destroyed, the check that is issued to compensate the owner for the damage will also include the name of the Loss Payee, and may be sent directly to them.  This is a brief answer to the question, &quot;What does Loss Payee mean on an auto insurance policy. In no way does this answer include all of the particulars involved. You may want to contact your lender or auto insurance company to get the full lowdown.  What are other aspects of the Loss Payee clause on an auto insurance policy?  In the event that the vehicle that was purchased using a lender is completely destroyed, depending on the current value of the vehicle, and the amount owed on it, the claim payment may be split between the lender and the owner of the vehicle.  If the damages to the vehicle does not reach a total loss, the claim check is issued and the Loss Payee must also endorse it before it is presented to the repair shop.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1118/What_Does_Loss_Payee_Mean_on_an_Auto_Insurance_Policy?</link>
			<guid>http://www.autoinsuranceselect.com/article/1118/What_Does_Loss_Payee_Mean_on_an_Auto_Insurance_Policy?</guid>
			<pubDate>Fri, 20 Nov 2009 18:00:02 -0700</pubDate>
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			<title>Am I Required to Have Auto Insurance on a Teenager?</title>
			<description><![CDATA[Is Your Teen at Risk? Am I required to have auto insurance on a teenager? The answer is yes, if that teenager will be operating a motor vehicle.  Lear[...]]]></description>
			<content:encoded><![CDATA[Is Your Teen at Risk? Am I required to have auto insurance on a teenager? The answer is yes, if that teenager will be operating a motor vehicle.  Learner's Permit In many states if a student driver is driving on a Learner's Permit he or she is usually covered by the licensed driver who the student is driving with. Some states require that the licensed driver be over the age of 18. Most importantly that licensed driver must be insured! If your teenager is driving with a buddy in your car and the buddy does not have auto insurance on his own or on your car then neither the teenager nor the licensed driver is insured.  Your Teen Licensed to Drive After your teen has been issued a driver's license he can now legally operate a motor vehicle but he must have auto insurance in his own name. This can be either on the parent's insurance policy or on his own insurance.  Driving Someone Else's Car Am I required to have auto insurance on a teenager if he is driving someone else's car? If the teenager is insured on his own or through the parent's auto insurance then he is covered. Otherwise, if he is not insured and has an accident and is a minor, then the parent's could be held liable.  Liability and the Teenager The liability that the teenager would be responsible for if uninsured might be small or none. The liability the owner of the vehicle he was driving could be huge. Most auto insurance companies would prefer to not pay a claim if possible. If they can find that the driver of a vehicle involved in an accident was an uninsured teenager then they will probably not pay any claims. Instead the owner of the vehicle would be sued for everything possible.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1117/Am_I_Required_to_Have_Auto_Insurance_on_a_Teenager?__</link>
			<guid>http://www.autoinsuranceselect.com/article/1117/Am_I_Required_to_Have_Auto_Insurance_on_a_Teenager?__</guid>
			<pubDate>Fri, 20 Nov 2009 11:00:02 -0700</pubDate>
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			<title>What Is The Average Cost Of Car Insurance?</title>
			<description><![CDATA[Tips for finding the average cost of car insurance can be found by going to www.carinsurance.com, or by visiting your states Department of Insurance[...]]]></description>
			<content:encoded><![CDATA[Tips for finding the average cost of car insurance can be found by going to www.carinsurance.com, or by visiting your states Department of Insurance  According to Consumer Price Index, the average cost of car insurance in the United States is $1,780.00 annually. The average for October was $1,655.00. That is 11.25% higher than the 2008 national average. To compare the average state by state you can visit www.carinsurance.com.  What factors should you consider when asking the question;&quot;What is the average cost of car insurance?&quot;  There are many factors that affect the cost of car insurance. Of course, young drivers, because of their lack of experience and other risk factors will always pay a higher premium for car insurance. Young male drivers, under the age of 25, will pay the highest premiums simply because they represent the most risk to insurance companies. Because of higher payouts for injuries and loss of property, the insurance companies must take that into consideration when quoting prices for this age group and gender.  Female drivers under the age of 25 will pay a rate that is somewhat lower that a male of the same age due to the fact that most young females do not take the same amount of risks that a male driver would.   Other factors to consider to answer the question; &quot;What is the average cost of car insurance?&quot;  A person that is under 25 and married will also receive a lower rate quote, because they will be considered a lower risk than an unmarried person. The state you live in will affect the premium you will pay also. Your driving record, your credit score, the demographics of your neighborhood, the mileage that you drive, the type of vehicle that you drive, will all be taken into consideration when getting a quote.  To find out more answers to the question; &quot;What is the average cost of car insurance&quot; or to get a quote, you can go to your states Department of Insurance or Carinsurance.com.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1116/What_Is_The_Average_Cost_Of_Car_Insurance?</link>
			<guid>http://www.autoinsuranceselect.com/article/1116/What_Is_The_Average_Cost_Of_Car_Insurance?</guid>
			<pubDate>Thu, 19 Nov 2009 18:00:02 -0700</pubDate>
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			<title>Can You Get Your Car Insurance Before Moving To A New State?</title>
			<description><![CDATA[Obtaining car insurance before moving to a new state will assure you have continual coverage during the transition.  Obtaining car insurance before mo[...]]]></description>
			<content:encoded><![CDATA[Obtaining car insurance before moving to a new state will assure you have continual coverage during the transition.  Obtaining car insurance before moving to a new state will assure you have continual coverage during the transition. Shopping around prior to your move will help you get your car insurance at a lower rate. Getting your insurance prior to your move will be one less task to attend to once you arrive in the new state. How do you go about getting car insurance before moving to a new state?  Check with Your Local Car Insurance Agency  The first place to check about car insurance for a new state is with your current insurance agency. Many of the larger insurance companies will transfer your current car insurance to the new state. They can even give you the name, address and phone number of an insurance agent that will be in the local area you are moving.  You can keep the same benefits, types of insurance coverage and continuity in your insurance when you work through your present local car insurance agency. Provide the company with the projected move date. They can then activate your car insurance policy to match that date.  Find a Large Car Insurance Carrier  Another option is to find a large car insurance carrier that offers policies and coverage across the nation. You can visit a local office to set up your coverage for the new state. They will need the new physical address, number of miles you'll drive each week and projected move date. You can get the coverage activated on the move date to maintain car insurance coverage without interruption.  Check for a Local Agency in the New State  The third option available is to check with a local agency in the new state you are moving. Your employer or relatives in the area can give you numbers to contact. The forms and information needed to set up the car insurance policy can be faxed to the new state you are moving. Payment can be made over the Internet, mailed into them or over the phone.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1113/Can_You_Get_Your_Car_Insurance_Before_Moving_To_A_New_State?</link>
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			<pubDate>Thu, 19 Nov 2009 11:00:03 -0700</pubDate>
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			<title>How Does A DUI Affect Your Car Insurance?</title>
			<description><![CDATA[Learn how a DUI will affect your car insurance.  A DUI is driving under the influence. Many people think that driving under the influence only applies[...]]]></description>
			<content:encoded><![CDATA[Learn how a DUI will affect your car insurance.  A DUI is driving under the influence. Many people think that driving under the influence only applies to alcohol consumption. However, you can drive under the influence of narcotics, prescription drugs or other controlled substances. A DUI puts you into a high-risk category for car insurance companies and results in higher rates. Points from a DUI remain on your record for years and cost you over the long-haul.  First Offense with DUI Ticket Forgiveness  The first offense with a DUI ticket will raise your car insurance rates. The amount it raises will depend on how long you&rsquo;ve had a previous clean-driving record. Some insurance companies are forgiving when it comes to DUI for the first offense. They use this forgiveness as a promotional tool by advertising that they will not raise your rates for one DUI ticket. However, these companies generally have higher insurance premiums as whole for their various types of coverage.   Multiple DUI Offenses Dropped Coverage  Regardless of the car insurance company, most will appreciably increase your rates if you have multiple DUI offenses. Some companies will drop you as a customer and refuse to cover you with multiple DUI offenses. It varies from company to company. Be certain to read your car insurance policy carefully to find out their policies on multiple DUI offenses.  Points Against Your Car Insurance  Each time you have a traffic violation or car accident, insurance companies give you points. These points stay on your record for several years. Insurance points from a DUI stay on your record for around 7 years in most states. The higher your points, the higher your car insurance premiums will be. One simple or even multiple DUI offenses will cost you for 7 or more years on your car insurance premiums.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1112/How_Does_A_DUI_Affect_Your_Car_Insurance?__</link>
			<guid>http://www.autoinsuranceselect.com/article/1112/How_Does_A_DUI_Affect_Your_Car_Insurance?__</guid>
			<pubDate>Wed, 18 Nov 2009 18:00:04 -0700</pubDate>
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			<title>What Is No-Fault Insurance?</title>
			<description><![CDATA[Reasons you should buy no-fault insurance  No-fault insurance covers basic medical costs associated with an accident. In many states it is a required[...]]]></description>
			<content:encoded><![CDATA[Reasons you should buy no-fault insurance  No-fault insurance covers basic medical costs associated with an accident. In many states it is a required type of insurance that every person must carry. The phrase &quot;no-fault&quot; refers to the fact that the medical costs are paid no matter who is at fault. Another name for no fault insurance is &quot;Personal injury protection&quot;.   The limitations of a no-fault insurance policy. No fault insurance usually has a strict limit and doesn't guarantee coverage beyond a certain price point. It's main purpose is to help pay for basic medical care of injured people after an accident, while the legal system sorts out who is at fault. This works pretty well and the system has endured for a long time for that very reason. Legal wrangling can sometimes take a long time, but injuries happen in a heartbeat, and somebody has to pay the medical costs. Currently there are 12 states that either require, or allow you to operate under no-fault insurance.   The secondary purpose of no fault insurance. One of the main purposes of no fault insurance is to reduce the number of lawsuits due to personal injury. In many states, people are only allowed to sue for costs that go beyond the coverage level their insurance. This is supposed to help lower insurance premiums and save the consumer money. Some critics would argue that it fails in it's purpose of lowering premiums. No-fault regions often have some of the highest insurance premiums in the country, but that may be because no fault insurance areas are usually very dangerous places to drive.   Does no-fault make it too easy to be a bad driver? Some people who are critical of no-fault insurance feel that it protects bad drivers, who only have to pay higher premiums instead of suffering the harsher punishments that could be handed out through civil litigation.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1111/What_Is_No-Fault_Insurance?__</link>
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			<pubDate>Wed, 18 Nov 2009 11:00:02 -0700</pubDate>
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			<title>How Does A Speeding Ticket Affect Your Auto Insurance?</title>
			<description><![CDATA[Learn how a speeding ticket will affect your auto insurance with loss of discounts and points.  One of the worst events to happen to you for raising y[...]]]></description>
			<content:encoded><![CDATA[Learn how a speeding ticket will affect your auto insurance with loss of discounts and points.  One of the worst events to happen to you for raising your auto insurance is a speeding ticket. A speeding ticket will stay on your auto insurance and raise your premium rates. You will lose eligibility for other types of savings. Learn how a speeding ticket will affect your auto insurance.  Speeding Ticket Ruins a Clean Driving Record  If you have a clean driving record of 5 or more years, beg the officer to give you a warning instead of a speeding ticket citation. A speeding ticket will automatically disqualify you for a clean driving record discount with your auto insurance company. You can save a significant amount on your auto insurance with this discount. For this reason, it&rsquo;s important to keep your eye on the speed limit signs and follow the rules of the road.  Speeding Ticket Makes You an Insurance Risk  Auto insurance companies give lower rates to drivers that are a low-risk for accidents. A speeding ticket indicates to the insurance company that you don&rsquo;t comply with the rules of the road. This in turn, puts you at a higher risk in the eyes of the auto insurance company. Repeated speeding tickets can make it very difficult to get or keep auto insurance.   Points Against Your Insurance  When you receive a speeding ticket, the auto insurance company assigns points to your account and to the DMV. Insurance points determine how much you pay for insurance. These points remain on your record for several years. The actual number of years depends on the state you live, number of miles you drove over the speed limit and number of previous speeding tickets.   Some insurance companies will drop you as a customer if you have too many points. Other insurance companies will significantly raise your insurance premiums or not even accept you as a new client with multiple speeding tickets.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1110/How_Does_A_Speeding_Ticket_Affect_Your_Auto_Insurance?__</link>
			<guid>http://www.autoinsuranceselect.com/article/1110/How_Does_A_Speeding_Ticket_Affect_Your_Auto_Insurance?__</guid>
			<pubDate>Tue, 17 Nov 2009 18:00:02 -0700</pubDate>
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			<title>How Do I Save on Car Insurance?</title>
			<description><![CDATA[Use these handy tips to learn how to save money on car insurance, while maintaining adequate coverage.  Paying a fortune for car insurance does not ha[...]]]></description>
			<content:encoded><![CDATA[Use these handy tips to learn how to save money on car insurance, while maintaining adequate coverage.  Paying a fortune for car insurance does not have to be a nightmare for you. Selecting the right type of car insurance for your particular vehicle will save you a great deal of money. Good driving practices will help to lower your auto insurance rates and reduce the amount you pay. Use these handy tips to learn how to save money on car insurance, while maintaining adequate coverage.  Only Purchase Adequate Car Insurance Coverage  Each state has a specific amount of liability insurance you are required to carry on your auto. However, additional options such as full coverage, medical liability, uninsured motorists, collision and replacement options are also available for car insurance coverage. One mistake that new car owners make is to purchase every single type of insurance available for their auto. This can be extremely costly.  Only purchase the minimum amount of each type of coverage you need for your specific vehicle. Cars that have been previously wrecked, previously flooded or caught fire, have a physical age of 5 or more years or have high-mileage will need less insurance coverage than a brand-new car off the dealership floor.  Watch Your Driving Habits  A lead foot, running stop signs or passing stopped school buses will significantly increase the amount you pay for car insurance. When you&rsquo;re in a hurry, remember your car insurance payments. You can save money by driving sensibly and within the laws. Each time you receive a ticket, your car insurance will increase.  Avoid accidents to assure your physical safety but to lower your car insurance rates. The fewer accidents you&rsquo;ve had, the lower you can expect to pay for coverage. The more consecutive years you can accumulate, the more money you can save on car insurance.  Ask for Discounts on Car Insurance  Don&rsquo;t be afraid to ask for senior citizen discounts, clean-driving record discounts and group discounts for car insurance rates to save money. Some insurance companies work specifically with large corporations. You can get a discount because of your employer if they&rsquo;re part of a particular program or have a courtesy contract with the car insurance agent. Never hesitate to specifically ask for discounts.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1109/How_Do_I_Save_on_Car_Insurance?__</link>
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			<pubDate>Tue, 17 Nov 2009 11:00:04 -0700</pubDate>
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			<title>What is Full Coverage Auto Insurance?</title>
			<description><![CDATA[How much car insurance do you need? Understanding full coverage auto insurance will help you decide exactly what type of policy is best.  It is import[...]]]></description>
			<content:encoded><![CDATA[How much car insurance do you need? Understanding full coverage auto insurance will help you decide exactly what type of policy is best.  It is important to remember that auto insurance requirements and laws vary from state to state. Some states require its residents to carry more insurance than others. However, all states break down auto insurance into three coverage categories- liability, comprehensive and collision.   Liability Coverage  Liability coverage is the least amount of coverage any state will allow you to drive with. Liability coverage will pay for damage or injuries you cause up to the amount specified in your policy. Liability insurance does not cover you at all. With in the category of liability insurance there different levels that equate to varying amounts of coverage within that category.  Comprehensive Coverage  Comprehensive coverage will take car of damages to your car caused by incidents other than a collision. Hitting a deer, a foul ball through your window, or hail storm would be examples of the kind of damage handled by comprehensive coverage. Again, the amount of coverage varies depending on your specific policy.  Collision Coverage   Collision Coverage states the obvious. It covers damages to you and your property that happened during a collision.    Full Coverage Auto Insurance  While you can have an auto insurance policy that is a mix of categories, a full coverage auto insurance policy encompasses all three. Considering full coverage auto insurance? If you need to finance a car you have no choice but to have it fully covered. If you own your car you can choose type of policy you want but take into consideration that most health insurance companies do not cover injuries from motor vehicle accidents. Individual policies differ and you should always ask your insurance agent to clarify things you don't understand.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1108/What_is_Full_Coverage_Auto_Insurance?__</link>
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			<pubDate>Mon, 16 Nov 2009 18:00:04 -0700</pubDate>
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			<title>Where Do I Find Cheap Auto Insurance?</title>
			<description><![CDATA[The secret to finding cheap auto insuranceFinding or renewing auto insurance can be a hassle, especially if you are trying to get a good deal, and you[...]]]></description>
			<content:encoded><![CDATA[The secret to finding cheap auto insuranceFinding or renewing auto insurance can be a hassle, especially if you are trying to get a good deal, and you may be wondering &ldquo;where do I find cheap auto insurance?&rdquo;Ask someone who works for an insurance company Oftentimes it is not about what you know, it&rsquo;s who you know. If you have a friend or family member that works in the car insurance industry then you may be able to get a special discount by going through him or her. Many insurance agents may receive a commission for acquiring a new customer, and your friend or family member may be willing to share that commission with you.  What insurance company does your friends and family use? If you asked your friends and family &ldquo;where do I find cheap auto insurance?&rdquo; they will often tell you where they got their own auto insurance. After asking several people, contact the top three recommendations.  Research auto insurance companies online One of the best answers to your question of &ldquo;where do I find cheap auto insurance?&rdquo; is to search on the internet. There are many different websites online that will help you to compare auto insurance rates based off of your driving record and where you live. Once you know where the cheapest company is, visit their website and research their history. Be sure to read any reviews or opinions, including how long it takes to receive a claim.  Picking the right policy It is important for you to review all of your options so that you make a well informed decision. After you&rsquo;ve done all of your research it is time to schedule an appointment. Who knew that the question &ldquo;where do I find cheap auto insurance?&rdquo; could be so easy to answer?]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1107/Where_Do_I_Find_Cheap_Auto_Insurance?__</link>
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			<pubDate>Mon, 16 Nov 2009 11:00:03 -0700</pubDate>
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			<title>What is the Cheapest Car Insurance?</title>
			<description><![CDATA[Getting the cheapest car insurance will save you money while offering you protection you need for yourself and your auto.  Getting the cheapest car in[...]]]></description>
			<content:encoded><![CDATA[Getting the cheapest car insurance will save you money while offering you protection you need for yourself and your auto.  Getting the cheapest car insurance will save you money while offering you protection you need for yourself and your auto. The key to getting the cheapest car insurance is, knowing specifically what type of coverage you need, taking advantage of discounts and finding companies offering promotions.  Knowing Specifically What Type of Car Insurance Coverage You Need  Many car insurance companies make their money from customers being over-insured. The customers pay for insurance that they will never end up using or making claims against. The insurance company receives the money from the over-insurance without ever having to pay-out anything to the customer.  Learn what type of car insurance coverage you need. Only purchase the minimum coverage options that are needed for your specific type of auto. This will give you cheaper car insurance and assure that you are fully protected, without putting money in the pockets of the insurance company.  Take Advantage of Discounts  Do you have a clean-driving record? Are you within a certain age group range for discounts? Do you drive a minimum number of miles in your car each month? If you can answer yes to any of these questions, you are more than likely eligible for car insurance discounts. Be certain to ask your car insurance agency what types of qualifications they offer for additional discounts to get the cheapest car insurance.  Taking Advantage of Car Insurance Promotions  The market for car insurance is very competitive. Car insurance companies spend a fortune on advertising and promotion to become known as the cheapest car insurance company on the market. Take advantage of car insurance promotions when shopping for new insurance or to lower your car insurance. You can often find the cheapest car insurance by comparison shopping between the different car insurance agencies in your area.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1106/What_is_the_Cheapest_Car_Insurance?__</link>
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			<pubDate>Sun, 15 Nov 2009 18:00:03 -0700</pubDate>
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			<title>Who Has The Best Rates For Car Insurance?</title>
			<description><![CDATA[Car insurance rates are like hide and seek: You never know where you'll find the best ones. By looking around every corner and doing your research, yo[...]]]></description>
			<content:encoded><![CDATA[Car insurance rates are like hide and seek: You never know where you'll find the best ones. By looking around every corner and doing your research, you will soon have the plan that is best for your life, budget, and car.   You never know who will have the best rates for car insurance. This is why it is so important to really dig in and see what's out there. If you ask around, compare prices online, and ask about discounts, you will no doubt be able to find some competitive rates for your car. The following includes some tips for how to find the best rates for car insurance.   Compare Prices  A price comparison website is great because it will allow you to look at rates and plans side by side. To use such a website, you need to enter some basic information about the car you want to insure and your age. Using this information, the website will pull up rates and plans from around the world.   Ask Around  Sometimes, it pays to ask loved ones about their car insurance experiences. If you are referred to a company, you may receive a great discount, or you may find out about promotions and deals you wouldn't otherwise know about. Ask friends, family members, coworkers, and neighbors about their experiences when looking for car insurance. You just might find a great rate this way.   Inquire About Discounts  Car insurance companies have a range of discounts from which you can choose. You could earn a discount from taking a defensive driver's course, for being over a certain age, and for even investing in a family policy. Thus, take the time to ask about discounts before choosing any one plan.   If you do your research and ask for information from companies and from loved ones, you will no doubt find a great rate for car insurance. Often, you just need to know what you're working with, what you want, and what a company has to offer. Soon, you can drive around town without worrying about what will happen to your car in the event of an accident or emergency.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1105/Who_Has_The_Best_Rates_For_Car_Insurance?__</link>
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			<pubDate>Sun, 15 Nov 2009 11:00:02 -0700</pubDate>
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			<title>How Much Car Insurance Do I Need?</title>
			<description><![CDATA[The right amount of car insurance is very important to protect your investment and to save money. Too much insurance, will waste your money. Too littl[...]]]></description>
			<content:encoded><![CDATA[The right amount of car insurance is very important to protect your investment and to save money. Too much insurance, will waste your money. Too little insurance will put you at risk of losing the value of your car. The amount of insurance to purchase greatly depends on the type of car and your state&rsquo;s requirements.  State Requirements for Car Insurance  Each state has different amounts of insurance required to obtain a driver&rsquo;s license. You will need to check with your state&rsquo;s liability requirements to determine how much car insurance to purchase. For an older car, you only want to get the minimum required by your state. This will protect you in the event of an accident. This principle holds true for cars that are in poor condition or the value has significantly decreased.  Replacement Car Insurance Coverage  Replacement car insurance coverage is imperative, if your vehicle is brand new or in very good condition with low mileage for its actual physical age. Check with the insurance agent to get a price for the amount of insurance premium hike to expect with replacement car insurance coverage. Estimate the value of your car. Go ahead and get the replacement car insurance, if the replacement coverage is less than half the actual replacement value of the vehicle.   Collision Car Insurance Coverage  Collision car insurance will cover the expenses if you&rsquo;re in an accident, particularly if the other motorist is at fault with no liability insurance or inadequate insurance. Collision insurance is typically purchased for cars that are 5 years or less in physical age or have extremely low mileage. If your car qualifies for replacement car insurance coverage, you also want to purchase collision coverage.  The age of your car and the mileage will be great determining factors on how much car insurance coverage you should purchase. Older cars or higher-mileage cars need less insurance than their counterparts.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1104/How_Much_Car_Insurance_Do_I_Need?__</link>
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			<pubDate>Sat, 14 Nov 2009 18:00:03 -0700</pubDate>
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			<title>What Is A Car Insurance Deductible?</title>
			<description><![CDATA[What is a car insurance deductible? It is your participation in the insuring process. A car insurance deductible helps keep the cost of insurance lowe[...]]]></description>
			<content:encoded><![CDATA[What is a car insurance deductible? It is your participation in the insuring process. A car insurance deductible helps keep the cost of insurance lower for everyone.   What about the premiums I paid?   That is to buy your insurance. You set the deductible when you get the policy; you are the driver in this sense as well. You will see the difference a deductible makes in your premium. The lower the car insurance deductible the higher the premium. It is fairly straightforward math. There are many factors that also go into premium calculation such as your age, driving record, type of car and more. Those factors are also what make insurance costs vary from consumer to consumer.  But why is there a deductible? The why behind it has to do with the way claims are filed. Everyone would pay higher premiums if there were claims being filed all the time. By instituting a deductible and having you participate with money from your pocket, it helps control the claims being filed. Nuisance claims or questionable claims are reduced because there is a cost to the person filing. As a result only valid, necessary claims are filed and paid off by the companies. Your participation helps regulate how and why the claims are filed. So the primary reason you have a car insurance deductible is to help keep your insurance costs down.  Why do I have different car insurance deductible amounts?   Again, you select your deductible when you obtain your insurance. It is very common to have a different deductible for your liability insurance versus your comprehensive insurance. Liability insurance is what protects you when you do damage to someone else, their car or their property. Comprehensive insurance protects you when your vehicle is damaged. Two different sets of circumstance, which is why there are two different deductible amounts in your car insurance policy.]]></content:encoded>			<link>http://www.autoinsuranceselect.com/article/1103/What_Is_A_Car_Insurance_Deductible?__</link>
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			<pubDate>Sat, 14 Nov 2009 11:00:02 -0700</pubDate>
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