We have a lot of active seniors in America, and with the aging baby-boomer generation the numbers are growing larger. Auto insurance for seniors can be an issue since they are considered high risk by insurance providers. Esurance advises that in general drivers 75 years and older are considered very risky because they have the highest rates of serious or fatal daytime automobile accidents. Esurance is one of many companies that offers better auto insurance for senior citizens if they maintain good driving skills and take an approved mature driver safety course.
Companies that provide auto insurance for seniors take in to consideration the conditions that impair their ability to drive safely. They may have physical limitations or mobility that prevents them from being able to react appropriately on the road. Medical checkups are important at this stage in life if you are still a driver. Your doctor can give you exercises to build up strength and flexibility.
If you are prone to falling episodes or recently had one your insurance company needs to know. This can indicate serious health issues that affect your driving skills. Ignoring this could result is seriously or fatally injuring yourself and other drivers or passengers. If a child suddenly runs out on the street chasing a ball, how quick is your reaction time?
A neurological disorder such as dementia can cause you to become disoriented behind the wheel. Your response time can decrease like a flash. Diabetes creates complications with your vision and uncontrolled blood sugar can make you confused. Inflammation of the joints forces microscopic mobility. Issues with your feet originate it troublesome to operate the accelerator and brake pedals.
The best seniors auto insurance plans are offered by reputable companies specializing in this position, such as The Hartford, in conjunction with AARP. The website offers a tips and information for keeping your driving skills sharp and save money on your car insurance. They also help you find an independent agent that makes you feel comfortable and one that can provide what you need at rates you can afford. AARP has worked in partnership for over 25 years to insure senior drivers. As a member you receive a 10% discount on your premiums. You can also get discounts for defensive driving courses, multiple car insurance and by bundling it with your home insurance. The best auto insurance for seniors varies depending on your circumstances. The website offers an online quick quote function that gives you a notion of what your insurance premiums will cost.
Filed under Eastwood Auto Insurance by on Feb 26th, 2011. Comment. 
Are you a business Owner? Non-owned auto liability insurance coverage is cheap. You should carry this or you risk paying big bucks later if you are sued. It protects you if you ask a friend or an employee to run a quick errand for your business. Perhaps a trip to the post office, the office supply store, or even to pick up lunch for you? Do you have a personal car that you may consume for running business errands, but it is titled to you personally and not insured on a business auto policy? Have you ever borrowed or rented a car?
Non-owned auto insurance is a bargain of a deal! It provides grand coverage for a little mark.
Do you need non-owned auto liability insurance?
If you could answer yes to any of these questions, you may want to consider getting non-owned auto liabilty coverage. Business auto policies usually only cover the vehicles that are actually listed on the policy itself. General liability insurance won’t automatically cover you in these situations either.
What is non-owned auto liability insurance?
Non-owned liability insurance is designed to protect your business if someone else uses their personal car to run business errands for you, or if you borrow or rent a car from someone else.
It is liability coverage, that is, it protects you in case someone is wound in an accident and wants to sue you. It does not provide any physical harm for a car, so if a car is damaged, there is no coverage for harm to the car itself.
Did your employee, or friend, have insurance?
If you are like most people, you presume that your employee, or whomever you asked for help, has their own car insurance when they run an errand for you. Maybe they have insurance, maybe not. Even if they do, do you know how much coverage they have? If you’re like most people, you don’t know and you haven’t asked.
The driver is not covered
The driver should have his or her own car insurance. Non-owned auto insurance isn’t designed to screen a driver who chose to go without car insurance. If the driver works for you, you should have workers compensation, which would conceal them if they were injure in a car.
Acting on behalf of your business
Many courts have decided that a business is liable for the acts of its employees, including using their contain personal car to run errands for the business. Non-owned coverage would provide liability coverage for your business.
Personal auto insurance policies might exclude coverage whenever a car is used for business deliveries or errands. Each policy is different, so if you have an
employee that does deliveries or regularly runs errands for you, be sure to have them check with their insurance agent, too.
How to get non-owned liability insurance
Some companies call it non-owned coverage, others call it hired and non-owned coverage. Regardless, it’s not automatic on insurance policies. It can easily be added to your business auto policy. It’s typically very cheap and inexpensive.
If you don’t have any cars titled to your business, and do not have a business auto insurance policy, this coverage can be added to your general liability insurance policy. It’s usually splendid inexpensive to add to a policy, and can be added to either business auto or general liability insurance coverage.
Call your insurance agent to make sure you have this coverage, or to add it to your policies. It’s an inexpensive way to create sure you’re protected if someone else runs an errand for you and they don’t drive your car.
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Filed under Eastwood Auto Insurance by on Feb 20th, 2011. Comment.
It may seem too good to be true, but even the worst drivers among us can often lower their auto insurance premiums. By using a few strategic methods, most insurance rates can be lowered by as remarkable as 30%!
Drive Fewer Miles
It stands to reason that the less you drive the less likely you are to put yourself at risk. Those who drive more miles, on the other hand, will pay higher auto insurance rates. The average driver travels about 12,000 miles per year. So, if your insurance company recognizes drivers who are on the road less than the average, your rates might be lowered accordingly.
Low Risk Classification
At some point, everyone is classified as a high risk driver, especially after an accident. Drivers should strive to remain in or return to a low risk category, while excluding from the policy anyone who displays chronic poor driving habits. Carrying low risk drivers on your insurance policy will help your rates, since they are less likely to get into an accident or file a clam. On the other hand, high risk drivers will cause your rates to rise, even if they never drive your vehicle so much as one mile! Excluding high risk drivers from your insurance will result in lower rates, but should they get behind the wheel, coverage will not be granted to them for any reason.
Retain the Same Insurance Company for all Insurance Policies
Most insurance carriers offer discounts or deals for customers who acquire out more than one insurance policy. Insurance companies know that it takes some time to generate a profit from any one individual, so it is in their best interest to retain your patronage. Adding health insurance, life insurance, general liability, homeowner’s or renter’s insurance, or any of the other types of coverage to an existing policy will lower your rates by as much as 20 percent overall. Sometimes the discount is so drastic that the savings are applied to each policy.
Squeaky clean
Keeping a clean driving history and clean credit report helps you to lower your insurance rates. Avoiding accidents or insurance claims, obeying the law, and paying your premiums on time will show the insurance carriers that you are a responsible driver. Keeping a good credit rating indicates good time and money management. Insurance companies like to see customers who live mature, responsible lives in all venues, and therefore, offer the cheapest rates to these prized individuals.
Carrier Loyalty
Remaining a exact customer with the same insurance carrier over a significant amount of time will earn substantial loyalty discounts. In most cases, loyalty discounts kick in after three years of continual coverage. Depending on the length of time, you may be granted a discount of 5 to 10%. The longer you remain with the company, the deeper the discount, to the maximum discount allowed.
Autos with Cheap Repair Expenditures
Average model cars are often cheaper to repair, and therefore, cheaper to insure. High performance or luxury cars, on the other hand, come with more expensive insurance rates because they are either more expensive to repair or more likely to need repair. And while rates may vary between insurance companies, all will charge higher rates for more expensive, premium automobiles. If you must drive a high end car, do not settle for the cheapest insurance rate from a dinky known company. After all, a reliable, legitimate company may charge a slight extra, but you can trust them to make good on their insurance policies. On the other hand, a cheap insurance carrier might provide you with a slip of paper proving that you are insured, but when push comes to shove, they are more likely to win loopholes in the fine print.
Sources:
www.pueblo.gsa.gov/cic_text/cars/autoinsu/autoinsu.htm
frugalliving.about.com/od/…/tp/Auto_Insurance.htm
www.edmunds.com/reviews/list/top10/116958/article.html
consumerist.com/…/how-to-reduce-your-insurance-premiums.html
Filed under Eastwood Auto Insurance by on Jan 23rd, 2011. Comment.
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Filed under Eastwood Auto Insurance by on Nov 5th, 2010. Comment.
