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Futuristic Auto Tech Keeps Drunks from Getting Behind Wheel

Smartplanet.com reports that a new technology besides the breathalyzer test could keep drunks from driving and potentially causing accidents or even fatalities.

Through the use of strategically placed sensors in places like the steering wheel and door locks, the North America Driver Alcohol Detection Systems for Safety, created by QinetiQ, a research facility in Waltham, Massachusetts, would analyze a driver’s skin or breath to determine a driver’s level of intoxication.

Keeping insurance rates down would be an amazing result of this kind of technology!

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Obama’s Electric Car Goal Gets a Flat?

Pres. Obama wants Electric Cars

CNN.com reports that the lofty goal of President Obama to have 1 million electric cars on America’s highways by 2015 may fall short. Though many manufacturers are full speed ahead with the electric car race, the one thing that may keep this change from happening is you and me. The consumer!

If the electric car demand is not there from the consumer, then the goal may not be achieved. However, as time and prices of electric car components and materials drop, so will the higher ticket prices of these vehicles, which may in turn increase the demand.

Do you need to insure your electric car? Start with ShopCarInsuranceQuotes.com today.

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Chevy Volt Wins Green Car of 2011

Chevy VoltYou’ve heard the hype, and seen the ads, the question remains: Does the Chevy Volt live up to the test?

Greencar.com thinks so. In fact, they awarded the Chevy Volt the prestigious Green Car of 2011 Award. The difference between the Volt and other electrics or hybrids is the Volt uses electricity for the first 25 to 50 miles, then uses an onboard gas engine to keep the electricity pumping to get you 300 miles per “tank” of gas.

ShopCarInsuranceQuotes.com can help you find rates for your Chevy Volt, just select your state and get started.

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TheAutoInsurance.com Explains Full Coverage Benefits

Think you’re saving money by NOT buying full coverage insurance? Think again. theautoinsurance.com explains the pros and cons to saving on full coverage here: Read Article

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Pay as you go insurance – “Verified-Mileage Plan”

California residents may soon see a pay as you go insurance plan to choose from as more drivers are opting to drive less.

The new programs will “allow insurers to offer plans based on more accurate mileage so that people who choose to drive less will pay less for auto insurance.”

Read more here: http://www.sacbee.com/2010/12/03/3229528/pay-as-you-drive-insurance-plans.html

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Car Insurance Tips & Gap Insurance

Car Insurance Questions

New car? New insurance policy? New questions? We’ve got you covered. From Addpr.com comes a helpful, informative article discussing the importance of car insurance coverage, as well as the all important Gap Insurance for those who may have a vehicle with a high resale value or have financed the entire vehicle with a loan, minus a down payment.

Imagine you just paid for a brand new car, and financed the entire amount. Your resale value may decrease faster than your paid off loan amount. If you were in this scenario and were in a car accident, chances are your insurance company may value your vehicle at less than what you owe, or the current resale value. That’s where Gap Insurance comes in! Read more at http://www.addpr.com/articles/automotive/48389.html

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Live in Ohio? Need a car insurance estimate? Done!

The Ohio government insurance department has provided its citizens with an auto insurance estimate tool, easily accessible online through their ohio.gov website.  You can get sample rates from different carriers and compare your automobile’s cost.

“Thanks to the combined efforts of the Department and members of Ohio’s auto insurance industry, Ohioans will have a powerful tool to help them shop for auto insurance,” said Director Hudson.  “This interactive resource will allow users to sort quickly through the resulting premium quotes when determining how changes in rating characteristics affect the cost of insurance.”

Read the rest of the news release here: http://www.insurance.ohio.gov/Newsroom/Pages/11292010InsuranceDepartment.aspx

Use the comparison calculator here: https://gateway.insurance.ohio.gov/UI/ODI.IPQ.Public.UI/Quote.mvc/DisplaySearchForm

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Understanding Comprehensive Auto Insurance Coverage

Comprehensive Auto Insurance Coverage

Comprehensive Auto Insurance Coverage Explained

Comprehensive auto insurance coverage is usually required for cars that are being leased or purchased through a bank loan. With comprehensive coverage, you are protected against almost any kind of damage that can happen to your car due to an accident. It also provides special coverage options like rental car services or roadside assistance. Different insurance companies have different policy features depending on the level of insurance you purchase. Comprehensive insurance costs more, but it will save you quite a bit of money if you ever need to file a claim.

Complete Protection for your Vehicle

If you own a car that is three years old or newer, a comprehensive policy will make it easier to keep your car in good condition. Most policies offer complete coverage of broken glass and other cosmetic problems that can result from daily driving. You will also enjoy engine protection and some discounts on regular maintenance through a comprehensive policy. Many insurance companies require that you perform specific maintenance on cars that are covered comprehensively so that the cars are always in top condition. These types of repair or maintenance can be extremely expensive on a new car that is not covered comprehensively.

Dealing with Natural Disasters

Not every comprehensive auto insurance policy provides coverage for natural disasters. You will need to make sure that you understand exactly what is covered when you sign up for a policy. If you are not covered for natural disasters, you could end up paying for damage due to falling tree limbs, hail, or flooding out of your own pocket. It is important to shop around and find a policy that will cover you if you live in an area that is prone to severe storms or other extreme weather patterns.

Belongings Inside the Vehicle

Most comprehensive plans do not provide coverage for belongings that are damaged while they are in the vehicle. Stereos, mp3 players, and other valuable cargo needs to be insured through a separate supplemental policy to be protected. Comprehensive coverage also does not extend to batteries and tires in most cases. Since these parts tend to wear down quickly, the insurance company does not consider them under a comprehensive insurance plan. Although these are general rules, there are always exceptions. You may be able to find an insurance company that will cover your belongings and your battery and tire, but you will most likely pay more for the privilege.

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Cash for Clunkers $2 Billion Extension Gives More Hope to Millions of Car Buyers and Makers

Congress’ quick action on a Cash for Clunkers $2 billion extension gives more hope to both automakers reeling from their worst year ever, as well as car buyers looking for terrific deals. Designed to prime the auto market pump in the midst of America’s worst economic slump since the Depression, the Car Allowance Rebate System (CARS) program offers consumers a $4,500 trade-in voucher towards the purchase of a more fuel efficient model. Though several restrictions exist, the initial $1 billion appropriation for the program—expected to last roughly six months—was exhausted in less than a week. With the additional funds, millions more Americans are expected to take advantage of the once-in-a-lifetime offer.

The CARS program—popularly dubbed “Cash for Clunkers” by auto sellers and the media—has two distinct purposes. The first and foremost purpose was to give a boost to both automakers and dealerships reeling in the face of recent economic woes. By guaranteeing a trade-in voucher that is often much higher than the actual wholesale value of the vehicle for trade, it encourages consumers who otherwise would have waited to purchase a car to get down to their dealership today. Indeed, the necessity of emergency supplemental funds demonstrated the success of this effort in a way nobody predicted.

The other virtue of the cash program is an immediate and noticeable improvement in fuel consumption on US highways. The program is in general limited to trade-in automobiles which get less than 18 miles to the gallon, and a number of models are in fact ineligible. Dealers can inform consumers as to their car’s eligibility, and full information about exceptions is available online. In order to insure that the fuel efficiency gains are maintained, dealers are required under the law to actually destroy the cars traded in by using a special chemical which seizes up the engine. The environmental and geopolitical gains expected as a result were a major source of the bill’s bipartisan support.

While the Cash for Clunkers $2 billion extension gives more hope to shoppers looking for a great deal on a new car, many observers expect that even these new funds will be exhausted in a matter of days. Consumers who wish to exchange their gas guzzlers for a new, sleeker model are encouraged to get to a dealership today to take advantage of the savings. The CARS program is changing the way Americans drive faster than anyone predicted.

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Energizing the Economy: Cash for Clunkers Accelerates Auto Sales

Cash For Clunkers

Cash For Clunkers

The Car Allowance Rebate System, or CARS, is a government program which allows consumers to trade in their older cars for new, more fuel-efficient vehicles. Better known as Cash for Clunkers, this program has energized car sales and provided a boost for the economy along the way.

Car owners with driveable vehicles no more than 25 years old and whose mileage estimates are 18 mpg or lower are eligible for credits of $3,500 or $4,500. Most dealerships are participating in this program. Dealers across the country have seen renewed customer interest, leaving no doubt that Cash for Clunkers has accelerated auto sales and energized the economy. Many customers whose car did not qualify for the credit have ended up purchasing a new vehicle anyway after visiting a showroom or speaking with a salesperson.

Because the $3,500 to $4,500 credit is not taxed as income, this is truly money that consumers will save when purchasing any new vehicle that gets at least 22 mpg.

The improved gas mileage of these new vehicles will immediately put money back into the consumer’s pocket. This is money which can then be spent on new clothing, dining out, or entertainment. This is just another facet, beyond increased auto sales, in how Cash for Clunkers will benefit the economy.

An even greater and more long-lasting benefit will be the increase of more fuel-efficient cars on the the nation’s roadways, lessening dependence on foreign oil and helping to protect the planet’s natural resources. These factors can only contribute to the financial well-being of the country and its consumers.

Complete information on which cars qualify, finding a participating dealership, how the program works for trucks, and the latest updates can be found at the official NHTSA website, www.cars.gov.