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Auto insurance premiums for the past two years have been steadily rising in most parts of the country.  With the current trend not showing any signs of slowing or reversing, consumers should expect auto insurance coverage to further rise.  Experts highly recommend drivers to scout for the cheapest premium rates to get the most out of their money. Some states have seen dramatic increases in insurance fees, with Montana among the highest, registering hikes of as much as 12.9%, depending on the model of the vehicle.  Some cars, most notably imported brands, are assessed with higher premiums due to their ... (more) March 9, 2010

Persons who have been convicted twice of driving under the influence of alcohol will be compelled to avail of increased liability insurance, if the legislator’s bill of Carroll County in Maryland is passed into a law. Republican District 5A Del. Tanya Shewell, who is a sponsor of the bill, is in favor of requiring persons who have had two drunken-driving convictions to avail of liability insurance worth $100,000 (for one individual injured or killed in a road mishap) and up to $300,000 (for two or more individuals injured or killed). Additionally, these persons will also be required to carry $100,000 ... (more) March 7, 2010

Several car models have been cited as the best cost-effective choices to ensure cheaper auto insurance rates, according to financial advisory site Doughroller.com. There are many factors, other than the automobile owned, that go into consideration that determine the cost of car insurance monthly premiums including location, age, credit history, gender, driving history and occupation. These categories, when broken down even further, reveal several variables which determine rates. However, one of the biggest factors is the car itself. Generally, auto insurance providers use the same criteria when they determine insurance costs for a certain brand or vehicle. Theft is the ... (more) March 6, 2010

Much has been said of the risky driving habits of elderly folks, and a lot of driving jokes have been created at their expense. It is a taken that older drivers have on average slower reaction times and weaker eyesight than younger drivers.  However one other pressing problem with this age group is that a good number of them are not aware of many important traffic rules. Many senior drivers admit to not having attended driving classes and seminars to update themselves of new traffic and road rules.  AARP Driver Safety Program, since 1979 has helped educate drivers and are ... (more) March 4, 2010

Credit score to many consumers, is a tool to get mortgage loans at reasonable rates.  However, not many people know that credit scores can also impact auto insurance premium.  In general, the higher your credit score is, the lower your auto insurance premium. Credit score encompasses almost all facets of your financial life.  It is thus important to maintain a good credit score since it can open doors of opportunities for you to make your life easier and more convenient. Auto insurance companies look at credit scores when they’re computing for insurance premiums.  This practice has been opposed by many ... (more) March 3, 2010

According to the Independent Insurance Agents & Brokers of America, it is estimated that about $4.8 billion each year is used to fix damages caused by potholes in the U.S. Around half-a-million auto insurance claims are also filed annually because of this hole-in-the-road. Aggravated by the weather and extreme snowstorms, potholes which normally occur during springtime are already causing trouble amongst motorists. As such, it is noted that there is a record number of potholes in the streets of Virginia and other states affected by the snow. Martha Meade, AAA Mid-Atlantic’s Manager of Public and Government Affairs implied the hazards ... (more) March 2, 2010

At least two people were sentenced by a Sacramento Court last February 23 for offering service which “for all (its) intent and purposes,” was automobile insurance. This was stated by Assistant U.S. Attorney Russel Carlberg and R. Steven Lapham in a joint statement after a U.S. District Court sentenced James Sidney Kalfsbeek, 72, and Donna Jean Rowe, 59, into 10 and four years of federal imprisonment respectively. Kalfsbeek, a resident of Arbuckle, was found guilty of mail fraud, money laundering and conspiracy last June. He was a former Colusa County Supervisor. He also founded and served as chairman of the ... (more) March 1, 2010

It seems that aside from snow, auto insurance claims had also been piling-up in the State of Maryland. With a record breaking snowstorm that hit the state last February 10, the second in a week, the Baltimore area and north-center Maryland accumulated at least 19.5 inches of snow after the storm. Baltimore City had been under Phase 3 status which means that no vehicles were allowed to be driven on streets aside from those owned by the city. Insurance agents estimated that the blizzards had taken at least $830 million of the state’s economy. Damage to vehicles had been on ... (more) February 28, 2010

A committee hearing at the Montana Legislature revealed that around 15 percent of the state’s drivers do not have insurance. This is in light of the fact that Montana already has laws in effect mandating motorists to have vehicle insurance. A fine and a penalty may also be imposed if a driver was caught without the necessary insurance. The study is part of a Joint Resolution made by the Senate and House of Representatives. SJR 16, requests of an interim study “to investigate the issues of the underinsured and uninsured motorists,” It is set to make recommendations and submit findings ... (more) February 28, 2010

Seventeen people including a lawyer and a chiropractor have been indicted in Philadelphia for allegedly staging phony car accidents in order to defraud auto insurance companies. This was announced by Philadelphia District Attorney Seth Williams, U.S. Attorney Michael Levy and FBI Special Agent in Charge Janice Fedarcyk last February 19. On what is said reported to be mail fraud involving $634,000, investigators revealed that vehicles were made to look as if it figured in a car accident. Thus, several vehicles were intentionally damaged or driven into walls. An unidentified body shop is included in the scheme although this has not ... (more) February 27, 2010