AskPatty Certified Female Friendly Logo

76 posts categorized "Car Insurance"

September 06, 2016

Research: 2016's Strictest & Most Lenient States on High-Risk Drivers

WalletHub_strictest_states_US_mapToday's American drivers spend more than 18 hours per week in our cars (over 17% of our waking hours), according to data from Nielsen and the Bureau of Labor Statistics. Besides such regular costs as gas prices and upkeep, bad behavior on the road can have costly consequences for your wallet, to speeding tickets and even deadly accidents. And, as your amount of time in your car increases, so do the risks of an accident increase.

Since we all have an interest in keeping the roads safe, WalletHub recently released an in-depth analysis of 2016's Strictest & Most Lenient States on High-Risk Drivers, in which they identified the states that are most serious about ensuring the well-being of motorists.

Continue reading "Research: 2016's Strictest & Most Lenient States on High-Risk Drivers" »

May 22, 2016

AskPatty.com is Celebrating Our 10 Year Anniversary

APBirthday10

February 03, 2016

7 Things Drivers Should Do to Keep Pedestrians & Cyclists Safe

Keep_Pedestrians_Cyclists_Safe_sAs good drivers, we know exactly how to interact with other cars on the road – we know who has the right of way at various types of intersections, what to do if another car has its lights off at night, and how to handle a tailgater.

But what many drivers are far less versed in is safe interaction with the pedestrians and cyclists with whom they share the road.  And given that cars are the post powerful things on the road, this lack of knowledge often causes accidents that result in serious injury or even death.

Continue reading "7 Things Drivers Should Do to Keep Pedestrians & Cyclists Safe" »

December 21, 2015

How to Buy a Used Car and Insure It, Too

Couple_at_dealership-shopping_for_a_new_car-iStock_000036062238_SmallShopping for a used car? Here's some good news: Financing a used car is doable. Interest rates on used cars are generally higher than on new cars, but if you follow these guidelines you'll do pretty well.

  1. 1. Know Your Credit Score:
    A score of 680 or higher typically entitles you to a good rate. You are entitled to a free credit report every 12 months without an adverse effect on your credit rating to learn your score. Visit annualcreditreport.com for more information.

Continue reading "How to Buy a Used Car and Insure It, Too" »

December 09, 2015

Your Credit Score Can Affect Your Insurance Rates

Credit_scores_affect_insurance_rates-iStock_000016393980-Lightstar59In recent years, an applicant's credit score has grown in importance for determining car insurance prices. Every agency now asks for credit scores before determining coverage rates. According to Lower-Auto-Insurance.com, brokers and financial analysts have noticed that credit rating has a growing influence on auto insurance prices.

The changes may have been caused by the recent financial crisis, when many auto insurance policies lapsed. To avoid financial losses, agencies may now decide how much to charge someone based on his or her credit score. Someone who has a good credit rating may get cheaper insurance premiums, as the agency believes that clients who have a good financial situation will be better able to cover their premium expenses.

Continue reading "Your Credit Score Can Affect Your Insurance Rates" »

November 10, 2015

What Are The Advantages And Disadvantages Of Having Liability Auto Insurance?

Car_crash-auto_insurance-iStock_000040734316_SmallLiability auto insurance is a specific type of insurance coverage that most drivers must carry, according to Compare-AutoInsurance.org. Although a mandatory policy, liability coverage has several disadvantages that often may not make it the perfect plan for many drivers; one of the biggest is that it only provides financial coverage to cover damages caused to other parties.

This means that a driver insured under liability plan will not be able to use the benefits to pay for his/her car repairs. The policy will also pay damages only if the insured was at fault. This can be disadvantageous especially if an uninsured motorist was at fault and caused an accident. To avoid a long and complicated legal battle, clients are also advised to purchase liability coverage with an uninsured motorist clause.

Continue reading "What Are The Advantages And Disadvantages Of Having Liability Auto Insurance? " »

October 30, 2015

Attorney's Guide to Talking To Insurance Agents After an Accident

Attorneys_Guide_to_Talking_Insurance_Agents_After_Accident-iStock_000035666576_SmallThere’s nothing more stressful than getting in a car accident and then having to deal with the fallout.

One necessary evil of getting things resolved is talking to your insurance company about what happened.  If you’ve never done this before, there’s a good chance that you will feel a little out of your depth and nervous about it.

You may have to recount your version of the accident again and again to multiple people and you may get the feeling, at some point, that one of these people is trying to incriminate you.

Continue reading "Attorney's Guide to Talking To Insurance Agents After an Accident" »

October 13, 2015

What Are The Top 10 Most Expensive States For Auto Insurance?

Map-car-iStock_000068200599_SmallAs anybody shopping for auto insurance knows, prices can change dramatically based on your location, and purchasing coverage in some states and cities can cost a lot more than other places.

This is because of the risk factors associated with a certain areas, such as the weather, geographical features, criminality rates (particularly auto theft), local road infrastructure, and last, federal laws and regulations imposed on the territory of a specific state.

For instance, in many Northern states, car insurance tends to be more expensive because of the weather conditions that can make driving unsafe. Especially congested cities can also cost more because the incidence of traffic accidents is higher, which explains why rates are especially high in New York City, Los Angeles, and Washington, D.C.

Continue reading "What Are The Top 10 Most Expensive States For Auto Insurance?" »

January 12, 2015

5 Things NOT To Do Right After a Car Accident: A Lawyer’s Step-by-Step Advice

Car_accident-thinkstock-57280364-sWe all try to be safe drivers and avoid accidents, but accidents happen. The average American will be involved in a least one car accident in their lifetime. The only way to avoid an accident with 100 percent certainty is to stay off the road, which isn’t a real option for any of us.

The surprising thing is, despite how common accidents are, few people actually know what to do when they happen.  Because of this, even the smartest and most competent drivers often make serious mistakes that have legal implications or hurt their chances of being covered by insurance.

Take a few minutes to learn a few things you should always avoid after any kind of driving accident.

Continue reading "5 Things NOT To Do Right After a Car Accident: A Lawyer’s Step-by-Step Advice " »

July 09, 2014

The Male Vs. Female Driver: How Does Your Sex Affect Your Auto Insurance Rates?

Woman-driver-thinkstock-169280608-6x4There are a number of factors that can play a role in the price of your insurance. One of the most hotly debated of these factors is whether you are male or female, something that can have a huge bearing on the cost of your insurance costs.

Continue reading "The Male Vs. Female Driver: How Does Your Sex Affect Your Auto Insurance Rates? " »




comments powered by Disqus


Find Cars For Sale

Car Advice

Ask The Experts!

Help Our Charities