EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

Understanding Insurance Underwriting

EINSURANCE Auto Insurance — Mon, 06 Feb 2012 00:00:00 GMT

Maybe you’ve heard the term underwriting, but what exactly is underwriting and what do insurance underwriters do? They’re a critical step in determining both your insurability and the premiums you pay if
a policy is issued. Here are th...

How Much Is Car Insurance for a Teenager?

EINSURANCE Auto Insurance — Mon, 30 Jan 2012 00:00:00 GMT

How much is car insurance for a teenage driver? The short answer: a lot. There are several reasons why and some things you can do to lessen the drain on your bank account if you have a teen in the house. Insurance companies determine car insura...

Auto Insurance Basics for Your Home-Based Business

EINSURANCE Auto Insurance — Tue, 24 Jan 2012 00:00:00 GMT

The Bureau of Labor Statistics reports that resignations rose steadily in 2011, with nearly 2 million American workers giving notice last September – the highest number since November 2008. Since we doubt that all those folks won the lottery, it&...

Car Insurance Scams Drive Up Your Premiums

EINSURANCE Auto Insurance — Mon, 23 Jan 2012 00:00:00 GMT

We’re not even a month into 2012 and so far there have been over 200 incidents of auto insurance fraud reported across the nation. As the economy continues to struggle, we can expect the trend to continue ever
upward. It’s a big reason...

What To Do If Your Car Catches Fire

EINSURANCE Auto Insurance — Mon, 16 Jan 2012 00:00:00 GMT

You’re driving down the freeway. Suddenly you see blacksmoke and flames shooting out from under the hood of your car. Insurance probably isn’t the biggest thing on your mind at that moment, so we’ll save
that for last. First, let...

Does Your Car Insurance Cover Arson?

EINSURANCE Auto Insurance — Thu, 12 Jan 2012 00:00:00 GMT

Los Angeles was rocked by a series of car arsons in late December and early January. More than 50 cars, many in car ports, were set ablaze throughout Hollywood and neighboring areas causing an estimated $3
million in damages before a suspect was f...

New Laws Affect PA, OH, MI, GA and NC Drivers in 2012

EINSURANCE Auto Insurance — Thu, 29 Dec 2011 00:00:00 GMT

If you live in or drive through Pennsylvania, Ohio, Michigan, Georgia or North Carolina (the fifth through tenth most populous U.S. states), several new laws affecting drivers, and potentially their car insurance premiums, go into effect on January 1, ...

Car Insurance Trivia

EINSURANCE Auto Insurance — Fri, 23 Dec 2011 00:00:00 GMT

How savvy are you about car insurance? Take our car insurance trivia test and find out. The answers could help you make better decisions when you shop for car insurance quotes online. Car insurance is required in all 50 states fo...

What Happens When You Lie on an Insurance Application

EINSURANCE Auto Insurance — Wed, 21 Dec 2011 00:00:00 GMT

Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...

Auto Break-Ins Spike Over Holidays

EINSURANCE Auto Insurance — Thu, 15 Dec 2011 00:00:00 GMT

Just a few shopping days left before Christmas. Don’t let your car become a shopping mall for crooks. Every year, over $1.25 billion in personal property is stolen from America’s vehicles, according to the National Insurance Crime Bureau. M...

No Refusal Drunk Driving Policy

EINSURANCE Auto Insurance — Mon, 12 Dec 2011 00:00:00 GMT

Holiday party season is in full swing. So cheers to you! But before you hit the road after hitting the bars, we’ve got a six-pack of reasons for designating a sober driver. The best one, of course, is that you want to be alive and healthy...

What You Should Know About Insurance Credit Scores

EINSURANCE Auto Insurance — Wed, 07 Dec 2011 00:00:00 GMT

Information is power. In today’s world, knowing who knows what about you is your best bet at leveling the playing field. Here’s what you need to know about insurance credit scoring and whether a less than stellar
score is why you&rsquo...

How to Buy Car Insurance Online

EINSURANCE Auto Insurance — Fri, 02 Dec 2011 00:00:00 GMT

The early numbers on Cyber Monday 2011 are in. According to Coremetrics, sales for this year’s Cyber Monday beat last 2010’s by 13.7% and topped this year’s Black Friday by 24.1%. The average dollar amount per online order was up, too...

The Safest Cars for Christmas 2012

EINSURANCE Auto Insurance — Wed, 30 Nov 2011 00:00:00 GMT

Here's a sobering thought for the holidays: Traffic accidents remain one of the leading causes of untimely death in America. Besides not driving like a maniac, observing the rules of the road and exercising basic
safety precautions (buckle up out ...

Goodwill Parking

EINSURANCE Auto Insurance — Thu, 17 Nov 2011 00:00:00 GMT

Holiday shopping season is about to kick off, bringing with it all the dubious joys of trying to find a parking space. Street parking, hard to find anytime, is now at a premium. Shopping mall lots aren’t much better.
Yet, no matter how crowd...

Thanksgiving Safe Driving Tips

EINSURANCE Auto Insurance — Tue, 15 Nov 2011 00:00:00 GMT

The Thanksgiving weekend signals the start of the 2011 holiday season and a flood of drivers heading down the Interstate for a family turkey feast. While it’s not the busiest travel time of the year (5 to 10 days in summer get that honor...

Extreme Weather Driving Tips

EINSURANCE Auto Insurance — Wed, 02 Nov 2011 00:00:00 GMT

Last year, parts of the U.S. saw the coldest winter in 30 years. But if you thought that was cold, hang onto your long johns, because experts are predicting another record-breaker this year. If October’s early snow storms were any indicatio...

Does Your Car Insurance Cover Pothole Damage?

EINSURANCE Auto Insurance — Tue, 25 Oct 2011 00:00:00 GMT

With winter on the way, along with White Christmases, ski trips and snowball fights, we can also look forward to more potholes cropping up. Winter weather takes a heavy toll on America’s crumbling roads. The New York DOT estimates it fills as man...

Auto Insurers Are Watching Social Media Posts

EINSURANCE Auto Insurance — Mon, 24 Oct 2011 00:00:00 GMT

You’ve probably read about people losing their jobs or blowing a job interview because of indiscrete Facebook posts. But employers and HR departments aren’t the only people scanning social media sites for personal data. Now the car insuranc...

NAIC Says It Pays to Compare Auto Insurance Quotes Online

EINSURANCE Auto Insurance — Fri, 23 Sep 2011 00:00:00 GMT

The National Association of Insurance Commissioners (NAIC) issued an alert this month reminding consumers to review their auto insurance policies at least once a year. The easiest way to do that, NAIC says, is to get car insurance quotes online using s...

City of Chicago Motorcycle and Scooter Parking

EINSURANCE Auto Insurance — Wed, 14 Sep 2011 00:00:00 GMT

Motorcycles, scooters, and mopeds must comply with all parking and standing restrictions that apply to traditional vehicles. In some cases the Illinois Vehicle Code treats scooter and moped operation similar to that of a bicycle; however this is not th...

For Lower Car Insurance Premiums, Put Down the Cell Phone

EINSURANCE Auto Insurance — Tue, 09 Aug 2011 00:00:00 GMT

Distracted driving is a leading cause of car accidents. According to the National Highway Traffic Safety Administration (NHTSA), 20% of all injury crashes and 18% of automobile fatalities in 2009 (the latest data
available) were the result of dist...

Keep Car Insurance Low with Summer Safe Driving Tips

EINSURANCE Auto Insurance — Thu, 23 Jun 2011 00:00:00 GMT

Summer and the summer driving season officially kicked off this week. With more hours of daylight and warm weather, it seems counterintuitive that summer not dark, dreary winter is the deadliest driving
season. Even more surprising, the Fourth of ...

Organize Your Insurance Policies and Your Life with Online File Storage

EINSURANCE Auto Insurance — Mon, 20 Jun 2011 00:00:00 GMT

Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance to
get organized. Start...

Store and Access Insurance Policies in an Online Safe Deposit Box

EINSURANCE Auto Insurance — Wed, 15 Jun 2011 00:00:00 GMT

Good for you! You applied for competitive health insurance quotes and car insurance quotes at www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budg...

Red Light Cameras, Traffic Tickets and Your Car Insurance

EINSURANCE Auto Insurance — Fri, 10 Jun 2011 00:00:00 GMT

Running a red light can be quite costly. In addition to the fine (upwards of $500 in some places), the points on your driving record (1, 2, 3 or more depending on where you live) can result in higher car insurance premiums. It’s bad enough when y...

Are Your Aging Parents a Road Hazard?

EINSURANCE Auto Insurance — Thu, 09 Jun 2011 00:00:00 GMT

At least 78% of Americans aged 70 and older are still licensed to drive, according to the Insurance Institute of Highway Safety (IIHS). Popular opinion holds that older drivers pose a higher-than-average danger to themselves and others on the road. But...

Are Bare Bones Cheap Auto Insurance Policies Right for You?

EINSURANCE Auto Insurance — Mon, 06 Jun 2011 00:00:00 GMT

Detroit, Michigan is poised to become a test site for a bare-bones auto insurance program aimed to get the city’s uninsured drivers to carry some kind of coverage. Michigan’s 19% uninsured driver rate is well above the 13% national average,...

Smart Phone Technology and Cheaper Car Insurance

EINSURANCE Auto Insurance — Thu, 12 May 2011 00:00:00 GMT

New York City officials announced this week that the city is looking into “DriveSmart” technology, an in-vehicle device that tracks mileage, speed and other driving habits to calculate individual car insurance premiums. The pay-as-you-go, u...

Five Scams That Drive Up Your Car Insurance Costs

EINSURANCE Auto Insurance — Mon, 18 Apr 2011 00:00:00 GMT

Your good driving habits, combined with car insurance discounts like multi-policy, multi-vehicle and anti-theft devices can help you find cheap car insurance. But while you’re working hard to keep your premiums low, scam artists are driving ...

Safest Cars for Teen Drivers

EINSURANCE Auto Insurance — Mon, 11 Apr 2011 00:00:00 GMT

Shopping for a car for your teen driver? The right choice can have an impact on your teen’s car insurance premiums. If your kid is like most, he or she will want something that’s cool, sporty and fast. Your job as a responsible parent (and ...

The Right Way to Cancel or Switch Your Car Insurance

EINSURANCE Auto Insurance — Wed, 30 Mar 2011 00:00:00 GMT

You want to shop for a cheaper car insurance policy, a different level of coverage or better service. You’re moving to another state. You sold your car. Your marital status has changed. There are all kinds of reasons to cancel or switch your car ...

What Happens When You Don’t Pay Your Car Insurance?

EINSURANCE Auto Insurance — Tue, 29 Mar 2011 00:00:00 GMT

Penny-pinching is turning into an art form these days, but take care where you decide to save. It could end up costing you more in the long-run. Car insurance, for instance, is one of those expenses you might be tempted to forgo. It's true that the che...

Research Compares Auto Insurance Policies for Good, Bad and Drunk Drivers.

EINSURANCE Auto Insurance — Wed, 16 Mar 2011 00:00:00 GMT

Chicago, IL (PR WEB) January 13, 2011--What’s the difference between a bad driving record and a good one? As much as $3,000 a year or more according to a new analysis comparing online auto insurance quotes. The research was conducted by Ryan Krie...

Rental Car Safety Tips and Your Car Insurance

EINSURANCE Auto Insurance — Tue, 15 Mar 2011 00:00:00 GMT

Like millions of Americans who rent vehicles for business and pleasure, you probably shop for the best price, upgrade offers or loyalty points. But how much thought do you give to the safety record or conditions of the vehicle you’re renting? If ...

Support Grows for National Teen Graduated Drivers License

EINSURANCE Auto Insurance — Tue, 08 Mar 2011 00:00:00 GMT

Would a national law requiring graduated drivers licensing in all 50 states save lives? Backers of the STANDUP Act, including major insurer AllState, believe so, and they’re pushing for the reintroduction of the bill, which would create a standar...

Industry Trends Could Help You Find Cheap Car Insurance

EINSURANCE Auto Insurance — Mon, 07 Mar 2011 00:00:00 GMT

The new year is well under way, solid economic recovery remains elusive and global events have sent gasoline costs soaring. Is there any good news? Well, maybe, if you’re in a position to take advantage of some industry trends that could help you...

How to File a Complaint About an Insurance Company

EINSURANCE Auto Insurance — Tue, 01 Mar 2011 00:00:00 GMT

In a perfect world, all insurance claims would be handled promptly and to your complete satisfaction. Then again, in a perfect world, you wouldn’t need insurance. Alas, perfection continues to elude us and our insurance carriers. The National Ass...

Are Insurance Benefits Taxable?

EINSURANCE Auto Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...

Are Insurance Settlements Taxable Income?

EINSURANCE Auto Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...

Car Repairs Costs and Affordable Auto Insurance

EINSURANCE Auto Insurance — Fri, 11 Feb 2011 00:00:00 GMT

Rats! You just smashed up your two-year-old car. You have a good car insurance policy with comprehensive and collision, and a fairly low deductible. After notifying the police and your insurance company (remember, you’re contractually obligated t...

Want More Affordable Car Insurance? Watch Out for Driving Danger Zones.

EINSURANCE Auto Insurance — Tue, 08 Feb 2011 00:00:00 GMT

We’re spending more time in our cars and not always by choice, according to the most recent Urban Mobility Report prepared by the Texas Transportation Institute. The report claims that the average commuter spent 34 hours delayed in traffic last y...

Is Car Insurance Cheaper If You Drive a Hybrid Car?

EINSURANCE Auto Insurance — Wed, 02 Feb 2011 00:00:00 GMT

As the price of gasoline continues to inch upward (a national average of $3.10 per gallon as of February 2, 2011), maybe you’re thinking about buying one of the 30 different hybrid cars currently on the market. You’re not alone. After...

How to Maximize Your Insurance Tax Deductions for 2010

EINSURANCE Auto Insurance — Mon, 24 Jan 2011 00:00:00 GMT

The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...

Is Sleep the Secret to Cheap Teen Car Insurance?

EINSURANCE Auto Insurance — Thu, 20 Jan 2011 00:00:00 GMT

It’s no secret that teenagers like to sleep, but what comes as a surprise is that lack of sleep in teens could be tied to risky behaviors including driving skills. According to sleep researchers, sleep deprivation can be as detrimental to a drive...

Will Cell Phone Bans Mean Cheaper Car Insurance?

EINSURANCE Auto Insurance — Tue, 11 Jan 2011 00:00:00 GMT

US Transportation Department Secretary Ray LaHood has it out for distracted drivers, specifically all you mobile phone users, hand-held and hands-free. To date, his campaign has resulted in bans on texting or talking while driving in 30 states. His lat...

Is Pay As You Drive Cheap Car Insurance?

EINSURANCE Auto Insurance — Wed, 05 Jan 2011 00:00:00 GMT

Looking for cheap car insurance? If you don’t put a lot of miles on your car each year, Pay As You Drive may be your ticket to car insurance savings. Also called usage-based, distance-based and per-mile pricing, Pay As You Drive (PAYD) is gaining...

Cheap Car Insurance and Drunk Driving Don’t Mix

EINSURANCE Auto Insurance — Sat, 27 Nov 2010 00:00:00 GMT

As another New Year’s Eve approaches, reflect on some data before you head for a party or host one. You might also want to think about a couple of mundane items, including your car insurance and the impact a drunk driving convictio...

Does Uninsured Motorist Insurance Cover Pedestrians?

EINSURANCE Auto Insurance — Sun, 21 Nov 2010 00:00:00 GMT

Almost every state and the District of Columbia requires that you carry a minimum level of car insurance as a condition of registering and operating a vehicle. Some states also add uninsured/underinsured motorist coverage to their minimum requirements....

Drugged Driving, Accidents and Car Insurance

EINSURANCE Auto Insurance — Wed, 17 Nov 2010 00:00:00 GMT

You might never put yourself in the same category as a marijuana or a cocaine user, but if you take certain prescriptions or over-the-counter drugs and get behind the wheel of an automobile, you’re driving under the influence. You can be ticketed...

How to Shop for Commercial Fleet Insurance

EINSURANCE Auto Insurance — Tue, 16 Nov 2010 00:00:00 GMT

If you’re like every other small business owner in today’s economy, you’re scrambling around for ways to save money. Consider commercial fleet insurance. As you’re reviewing your business insurance coverage(always a good plan at...

Don’t Let Road Rage Spoil Your Holidays or Your Car Insurance Rates

EINSURANCE Auto Insurance — Sat, 13 Nov 2010 00:00:00 GMT

Here comes Santa Claus, only he’s driving a big red monster truck and he’s riding your tail going 70mph. Quick, what do you do when he swerves around you and gives you a one-finger salute before he cuts you off? If you’re like half of...

Do Insurance Companies Charge More for Red Cars Because They Get More Speeding Tickets?

EINSURANCE Auto Insurance — Fri, 12 Nov 2010 00:00:00 GMT

Seeing a flashing red light in your rear...

How To Lower Teen Car Insurance Quotes & Save Lives with Graduated Drivers Licenses

EINSURANCE Auto Insurance — Thu, 11 Nov 2010 00:00:00 GMT