eInsurance Journal: EInsurance Journal Auto Insurance Articles

Semi Truck Insurance for Your Big Rig

admin — Thu, 27 Aug 2009 00:00:00 GMT

There are many kinds of semi truck trailers designed to haul big loads. Whether you’re driving a box, bus, reefer, tanker, dry bulk, flatbed, lowboy or car hauler, with up to 80,000 pounds of gross weight rolling along on 18 wheels, your semi truck ca...

Dump Truck Insurance Basics

admin — Wed, 26 Aug 2009 00:00:00 GMT

If you use a dump truck to haul aggregate or asphalt or remove construction materials, trash or snow and ice, you need dump truck insurance, and depending on what you haul, you may need specialized auto insurance. For teens’ parents, that’s a big ticket item. Now ...

Keep Your Boat Afloat with Small Watercraft Insurance

admin — Tue, 25 Aug 2009 00:00:00 GMT

If you’re a boat owner, you know the old cliché about the happiest two days of your life: the day you buy your boat and the day you sell it. Let’s assume you’re reading this because you’re still in the Happy Day #1 mindset. If you own a sailboat or mo...

E-Insure.com Free Insurance Quotes Online - eInsurance Insurance Products

admin — Thu, 20 Aug 2009 00:00:00 GMT

When looking for insurance quotes separately for your vehicles, home, business, health and life insurance, you could go online. But you probably have better things to do than spend hour upon hour trying to evaluate and compare multiple quotes from comp...

Four Ways You May Not Know to Get Cheaper Car Insurance

admin — Tue, 18 Aug 2009 00:00:00 GMT

Times are tight and budgets are tighter. Who isn’t looking for any way possible to squeeze a little more mileage out of their hard-earned money? Here are four tips to help you get the cheapest auto insurance...

Get Car Insurance ASAP!

admin — Tue, 18 Aug 2009 00:00:00 GMT

Having a current car insurance policy is more than a necessary expense; it’s also the responsible thing to do. You’re driving a piece of equipment capable to inflicting property damage, severe injury and death. You owe it to yourself, your family, your...

Tow Truck Insurance for Your Commercial Towing Business

admin — Thu, 13 Aug 2009 00:00:00 GMT

If you operate a business that makes money providing towing services or roadside repair services or if you use a tow truck to repossess vehicles, you’re in the commercial towing business and you need a special kind of tow truck insurance to protect you...

ATV Insurance Is A Smart Move Before You Go Off-Roading

admin — Wed, 12 Aug 2009 00:00:00 GMT

Although they’re generally dismissed as “toys” and many states have no age restrictions regarding their use on private property, ATVs (or All-Terrain Vehicles) are anything but child’s play. With engine sizes ranging from 49 to 1,000cc’s, ATVs are powe...

Cash for Clunkers and Your Car Insurance

admin — Wed, 05 Aug 2009 00:00:00 GMT

If you’re thinking about turning in your gas-guzzling 1993 Buick Roadmaster and taking advantage of the federal government’s cash for clunkers program, good for you. That’s a hefty, tax-free incentive to buy a new car. Be advised, however, that while C...

Motorhome Insurance Facts

admin — Thu, 30 Jul 2009 00:00:00 GMT

Before you take to the open road in your home on wheels, make sure you’ve got sufficient motorhome insurance to protect your vehicle, its contents and any of the myriad geegaws, gadgets and accessories you’ve tacked onto that baby. Your home...

Vehicle Insurance – Don’t Forget To Insure Your Motorcycle

admin — Tue, 28 Jul 2009 00:00:00 GMT

We all know we need to insure our cars – just don’t forget to insure the other vehicles in your life. Do you own a motorcycle? We tend to think of them as a hobby or sport, but motorcycles are vehicles as well. Although we don’t like to think about ...

Texas Commercial Truck Insurance

admin — Thu, 23 Jul 2009 00:00:00 GMT

If you providing cargo hauling services under a bill of lading in Texas you are required by state law to carry Texas commercial truck insurance. You’ll have to provide proof of Texas commercial truck insurance coverage in order to secure a Texas Commer...

Business Truck Insurance for Cargo

admin — Wed, 22 Jul 2009 00:00:00 GMT

The goods America’s truckers haul each year are worth billions. Motor truck cargo insurance protects the value of the load you’re carrying up to a limit set by you when you purchase commer...

Truckers Insurance Basics – Commercial Truck Liability Insurance

admin — Tue, 21 Jul 2009 00:00:00 GMT

Nearly three quarters of all the products shipped around America come to us via trucks. That’s about $6.5 trillion worth of goods. If you’re a commercial trucker or own a commercial truck fleet, you know that commercial truck insurance is a cost of doi...

Car Insurance and the Auto Industry Woes - Will Your Auto Insurance Go Up As America’s Auto Makers Go Down?

admin — Wed, 15 Jul 2009 00:00:00 GMT

It’s definitely a great time to buy a new American car. If you can still find an open dealership in your area, chances are good that along with fire-sale prices, you’ll be wheeled, dealed and promised a world of incentives. But before you drive that ba...

Classic Car Insurance - Protect the Value of Your Vintage Car with Classic Car Insurance

admin — Tue, 14 Jul 2009 00:00:00 GMT

A classic or vintage car requires a special kind of auto insurance. We’re not talking about the 72 AMC Gremlin your Aunt Minnie left you. To qualify for classic car insurance, your vehicle must meet several criteria, including showing an appreciation i...

No Fault Car Insurance Basics

admin — Thu, 09 Jul 2009 00:00:00 GMT

No Fault Car Insurance is a concept originally adopted in some form by 24 states between 1970 and 1975. The move was motivated by lots of public outcry in the 1960s over the costly and time-consuming process of figuring out who was to blame when an acc...

Business Insurance Part 2 - Affordable Small Business Car Insurance

admin — Wed, 08 Jul 2009 00:00:00 GMT

Just as your homeowners insurance policy may not provide adequate coverage when you operate a small business from your home, your personal

Cheap Car Insurance for Bad Drivers?

admin — Thu, 02 Jul 2009 00:00:00 GMT

Can a bad driver find cheap car insurance? Probably not. Cheap car insurance for a young driver is even less likely. Insurance companies base a...

Motorcycle Insurance Basics

admin — Thu, 02 Jul 2009 00:00:00 GMT

Do warmer weather and rising fuel prices have you dreaming of a motorcycle or motorized scooter? Before you buy, check out the cost of the most essential piece of equipment for your two-wheeler: motorcycle insurance. Don’t leave the dealer’s lot or the...

Do I Need Rental Car Insurance?

admin — Wed, 01 Jul 2009 00:00:00 GMT

The last thing you want to deal with on vacation or a business trip is a sales pitch for the CDW (collision damage waiver) and other temporary car insurance products at the rental car counter. This is not cheap car insurance! Rental car companies ...

Tips for Getting Cheap Auto Insurance

admin — Wed, 01 Jul 2009 00:00:00 GMT

You can’t change your age, sex or some of the other absolutes that affect what you pay for car insurance. But there are plenty of things you can do to bring down the costs that will result in cheap auto ins...

What To Do When You Are In a Car Accident

admin — Tue, 30 Jun 2009 00:00:00 GMT

Screech. Crash. Ouch. First Steps After an Auto Accident.

Actually, that title is a little misleading. Your best first step should happen before you’re ever in an accident. Get out your car insurance policy and read it. The section titled...

Getting Married? Recently Married? Time To Think About Insurance!

admin — Thu, 04 Jun 2009 00:00:00 GMT

So, you’ve decide to marry the man or woman of your dreams – congratulations! Enjoy this exciting time in your life. You will be able to enjoy your new life together that much more if you make sure your future together is protected. That means it is ti...

Why You Need To Search For Insurance Quotes And Purchase Insurance Now

admin — Thu, 04 Jun 2009 00:00:00 GMT

Insurance protects against accidents that you are not aware of at the time you purchase the policy. If there has already been a loss – there has been an auto accident, someone slipped and injured himself or herself on your property, there was a fire or...

An Insurance Policy Is A Contract - Don’t Forget To Uphold Your End Of The Bargain

admin — Wed, 03 Jun 2009 00:00:00 GMT

When shopping around for insurance quotes, keep in mind that once you have decided on the policy that’s right for you, you should read the policy. Insurance is one of those things that you buy and hope you’ll never need. But, in the event that you suff...

Insurance Companies – Are They Really As Bad As They Are Made Out To Seem?

admin — Wed, 03 Jun 2009 00:00:00 GMT

If you read the paper or watch TV, you know that insurance companies often get a bum rap. But, an insurance company is a business just like any other. An insurance company has employees to pay and needs to make a profit to stay in business. We don’t de...

What Do I Do If My Insurance Company Denied My Claim?

admin — Wed, 03 Jun 2009 00:00:00 GMT

Your insurance company will deny your claim if the claim is not covered under your insurance policy. Insurance companies cannot pay claims for which they received no premium, or ...

Insurance – Sample Cancellation Letter

admin — Tue, 02 Jun 2009 00:00:00 GMT

Did you know that you don’t have to wait until your insurance policy expires to search for a better insurance quote? In the event you find a cheap online insurance quote right now, you can ask your current insurer to cancel your policy a...

Insurance 101 – What Is It And Why Do I Need It?

admin — Tue, 02 Jun 2009 00:00:00 GMT

Generally, insurance is a contract in which an insurance company agrees to indemnify you against a specific, unexpected covered loss. The idea behind insurance is that if many people pay premiums, and only a certain percentage of those people suffer lo...

The General Auto Insurance Guide to Filing a Claim

admin — Thu, 28 May 2009 00:00:00 GMT

Let’s say you banged up your fender in a parking garage. You have the option of living with the dent or paying to have it repaired yourself. Either way, you’ll keep your insurance record clean and prevent your auto insurance rates from going up. But if...

Build Your Own Discount Auto Insurance - Seek Out Savings on Car Coverage

admin — Wed, 27 May 2009 00:00:00 GMT

Looking for dirt cheap auto insurance? Instead of settling for coverage from a fly-by-night company, you may be able to build your own discount auto insurance policy by seek...

Cheap Car Insurance for a Young Driver

admin — Wed, 27 May 2009 00:00:00 GMT

Like jumbo shrimp and free gift, cheap auto insurance for a young driver is a bit of an oxymoron. Strictly speaking, there ain’t no such beast. The average cost of car insurance for a t...

Top 10 Auto Insurance Companies - Says Who?

admin — Wed, 27 May 2009 00:00:00 GMT

We Americans love lists, especially the kind that rank things from 1 to 10. So who are the Top 10 Auto Insurance Companies? Well, it depends on whose list you access and what criteria were used to make the assessment. Anybody with an ax to grind can th...

The Logic Behind Auto Insurance Quotes

admin — Tue, 26 May 2009 00:00:00 GMT

We all want affordable auto insurance, but sometimes it seems that the setting of auto insurance premiums are arbitrary and capricious. But there really is more method than madness to setting premiums and online auto insurance quotes. So, why does auto...

The Basics Of An Insurance Policy

admin — Wed, 20 May 2009 00:00:00 GMT

There is more to an insurance policy than what it costs you. In order to accurately compare one policy with another, you need to know more than just what the premium is. You need to know what each of the policies covers in order to understand if the po...

Uninsured And Underinsured Motorist Coverage – What Is It And Do I Need It?

admin — Thu, 14 May 2009 00:00:00 GMT

When you purchase an automobile liability insurance policy, the insurer will likely ask you whether you want “UM/UIM” coverage and at what amount. UM,uninsured) motorist, and UIM,underinsured motorist coverage is extremely important for you and your fa...

17 Year Old Car Insurance - Insure Your Teen Driver Without Breaking The Bank

admin — Wed, 13 May 2009 00:00:00 GMT

Your kid got his driver’s license. He’s proud. You’re terrified because you know that the next step in this American rite of passage are the dreaded words, “Can I borrow the car?” You also know that unless you want to face financial ruin, you’re going ...

Considerations When Buying Automobile Liability Insurance – How To Protect Yourself When Protecting Others

admin — Wed, 13 May 2009 00:00:00 GMT

Did you know that if you are involved in an accident in which another person is injured, that you could be personally liable for any damages beyond the auto insurance policy limits? For this reason, you want to make sure you purchase automobile liab...

How Much Auto Insurance Coverage Do I Need?

admin — Wed, 14 May 2008 00:00:00 GMT

Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsibl...

Car Insurance Premiums: What’s Your Address Got To Do With It?

admin — Tue, 05 Feb 2008 00:00:00 GMT

Plenty. Insurance companies base their rates on the probability of something happening. When the quote is for car insurance, the company is specifically concerned about the likelihood of theft, vandalism and accidents. They’re also going to take into c...

How Do I Choose An Insurance Company?

admin — Fri, 16 Nov 2007 00:00:00 GMT

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing
Not every company is licensed to operate in each state....

Is There A Difference Between Insurance Cancellation And Nonrenewal?

admin — Thu, 06 Sep 2007 00:00:00 GMT

Source: Insurance Information Institute, Inc. www.iii.org - ALL RIGHTS RESERVED There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance c...

Do I Need Auto Insurance To Rent A Car?

admin — Mon, 20 Aug 2007 00:00:00 GMT

Source: © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough. Before you rent a c...

What Is Covered By A Basic Auto Insurance Policy?

admin — Mon, 20 Aug 2007 00:00:00 GMT

Source: © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury Liability This coverage applie...

California Low Cost Automobile Insurance Program

admin — Wed, 15 Aug 2007 00:00:00 GMT

The rationale behind the California Low Cost Automobile Insurance Program is to provide low-income drivers with access to economical liability insurance. California auto insurance law requires insurance cove...

A Safe Driving Reminder: Driving Safely Is The Best Insurance Policy.

admin — Thu, 09 Aug 2007 00:00:00 GMT

From using technology such as the radio, CD player, IPod, cell phone, mapping and GPS-devices, and sending text messages, to putting on make-up, unwrapping foods and eating while driving and even reading while driving, we’re all at some point guilty in...

Don’t Forget Your Gap Auto Insurance

admin — Thu, 09 Aug 2007 00:00:00 GMT

If you are a buyer or lessor of a new car and you’re obtaining auto insurance, think seriously about including “Gap Insurance” in your insurance policy. Gap auto insurance in most cases, is not a requirement...

How Does Honesty Apply To Insurance?

admin — Thu, 12 Oct 2006 00:00:00 GMT

This is a subject that has been debated over the years many times. In essence, honesty is one of the bedrocks of the insurance product. Without an honest insured, it is very difficult for an insurance comp...

Filing Liability Claims: A Reality Check

admin — Tue, 14 Jun 2005 00:00:00 GMT

Over the past several weeks, I've received a number of inquiries that follow this general form:
I'm unhappy with my [pick a service provider] because he [describe an act of negligence]. I think he owes me money. How do I file a cl...

High Auto Insurance Premiums: The Fraud Factor

admin — Fri, 24 Sep 2004 00:00:00 GMT

So your monthly insurance premiums are pushing $100 a month, and you're convinced your insurance company is taking you to the cleaners. Right? Not so fast.

Read The Fine Print: A Case Study In Getting The Insurance That You Paid For

admin — Tue, 04 Nov 2003 00:00:00 GMT

Medicare supplement coverage—often called Medigap—has often bewildered elderly patients and their caregivers. Should one choose to join an HMO or a PPO? Should one purchase from the large menu of standardized policies? Once the final decision is made...

Aliens Among Us: The Uninsurables

admin — Tue, 12 Aug 2003 00:00:00 GMT

David Oxley is Managing Director of Coppergate International's Houston-based U.S. practice. Coppergate provides specialist advice to over 2,000 clients in Europe an...

Insurance 101: What Is It, And Why Should I Care?

admin — Wed, 23 Jul 2003 00:00:00 GMT

From crossing the street, to buying a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burping ...

Insurance Considerations For Domestic Partners

admin — Tue, 15 Jul 2003 00:00:00 GMT

Domestic partners are couples who form a union, who desire to share an exclusive life together, and are of the same sex. A recent Supreme Court ruling overturned a Texas state ruling that prevented domestic partners from being recognized as "le...

Purchasing Auto Insurance On The Internet

admin — Thu, 26 Jun 2003 00:00:00 GMT

When e-Insure launched its first website in 1996, the process of purchasing auto insurance online was bumpy at best. Since then, an increasingly competitive marketplace has honed this process to a high level of efficiency, so much so that most consumer...