Cheap Auto Insurance Discounts
Reader’s Question:
What discounts will be available that I can take advantage of to get a cheaper auto insurance rate?
Dan
Newark, NJ
There are many types of discounts available to the average motorist.
Make sure to ask if you qualify for any discounts for a cheaper insurance when getting your car insurance policy set up.
Some of the common discounts you might be eligible for are:
1. Multi-Vehicle- if you insure more than one car with the same insurer, you can get discounts.
2. Defensive Driver Courses- if you have just taken a defensive driver course (this is only available in some states).
3. Safety features- if you have a airbags, car alarm, anti-lock brakes, or automatic seat belts in your vehicle.
4. Multi-line- if you have car insurance and homeowners through the same carrier
5. Pay in full or through EFT (electronic fund transfer)- you can save on finance charges if nothing else.
6. A full time student with a grade average “B” or higher (only available with some insurance providers).
What Is At Fault Car Insurance?
Reader question:
If I get into an accident, and it’s because the person ahead of me hit his brakes making me run into him, am I still considered to be at fault?
Logan
Yes, sorry to say.
It is such a dilemma when you are considered at fault when the other person did something negligent to help the accident along. However, in almost every situation, if you hit someone from behind then you are the at fault driver, and your case is anything but rare. The reason for this is that even though the other driver made the bad decision of slamming on the brakes, you should be aware enough of your surroundings to have control of your car and avoid an accident. Think about it. If you’re in a neighborhood where kids are playing and the person in front of you slams on the brakes to avoid a ball rolling out into the street, are they at fault, or are you for going so fast in an area where you shouldn’t?
The truth is that these accidents can easily be avoided just by taking in some of the processes of defensive driving. You can keep yourself safe from a rear end car accident at fault car insurance debate just by doing the responsible thing and always staying at least three seconds distance behind the driver in front of you, or five seconds in bad weather.
Cheers,
Fashun Guadarrama.
Is Car Insurance Fraud Affecting My Insurance Rates?
You can be a victim of high car insurance fraud rates without even knowing it. All the time people are having their rates raised, their policies cancelled, and all of this because they were involved in a fraudulent accident where it was made to seem that they were the at fault driver, even to the point that they believe it themselves some times. It isn’t very hard to cause an accident like this, and can be as simple as claiming that something that happens every day did not. For example, when you are at a stop sign and another car signals to you that you can go ahead of them, you go. But, if this other driver wants to commit car insurance fraud, they will go as well, and then later say that you went out of turn and they never gave you a signal. You end up as the at fault driver, and a victim of car insurance fraud.
What are some other ways that you can get pulled into car insurance fraud against your will?
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Bump from behind.
One of the most successful strategies that people committing car insurance fraud use is quickly changing lanes to be in front of someone, and then hitting the brakes. The other person doesn’t have enough time to slow down to avoid an accident, but it will still be seen as their fault. The so called victims can also pretend that they got hurt in order to get more money out of it.
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And this and this and this…
Another way for them to get more money for their fraud is to, after the collision has taken place, cause more damage to their car themselves and then report it as a result of the accident. This is why it is always important to take photos and get a police report of every accident. It’s not always possible to avoid being taken in, but documenting things and practicing defensive driving go a long way.
Cheers,
Fashun Guadarrama.
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