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71 posts categorized "Car Insurance"

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 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.

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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? " »

August 19, 2013

Do You Know What To Do If Your Car Is Stolen?

Stolen-car_car-theft-thinkstock-144338639It happened to me, and I remember the feeling: “I could swear this is where I parked it, but it’s not here… Uh, oh! That broken glass can only mean one thing….”


According to National Highway Traffic Safety Administration’s theft rate data, more than 9 million model year 2010 vehicles were produced in calendar year 2010—and 10,568 were stolen. Of those stolen, 8,736 were passenger cars, 1,689 were multipurpose passenger vehicles, and 143 were light-duty trucks.

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August 16, 2013

Obvious Tip: Lock Your Doors To Help Prevent Auto Theft

Car-theft-prevention-tips-thinkstock-155251967It might seem obvious, but locking your car doors and taking your keys with you when you leave your vehicle are the first two tips offered by the Department of Transportation to help reduce your chances of vehicle theft.

Every 44 seconds a motor vehicle is stolen in the United States, and more than 40% of those thefts involve mistakes made by the drivers. With agency trend data showing that July and August are the worst months for vehicle thefts, the Department of Transportation is offering the following tips to help avoid thefts and increase the chance that vehicles are recovered:

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April 09, 2013

Your First New Car: What to Look For

Your First New CarChoosing your first new car is a big decision. Whether you opt for a snazzy sports car with a sunroof, a rugged SUV or a trusted and time-honored sedan, your car is a big-ticket purchase. 

There’s nothing like leaving the dealership confident, with the gleaming dashboard and new car smell a happy reminder that you made the right choice, and that it'll last a long time.

While some people may find it intimidating to haggle with a car salesman or overwhelming to choose from all the options out there, if you arm yourself with knowledge, buying a new car can be a good experience. You may want to consider following these tips from as you embark on your quest to find the right car for you:

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September 26, 2012

Infographic: Ticket? Uh-Oh. Now what?

TIcketAnother great infographic emerged this week on, this time about a subject we may not like to think about, but one that we all have to face sooner or later:  Getting a traffic ticket.  This graphic (which has a super-cool design, by the way) shows us all of the many, many offenses for which we may find ourselves the proud owner of a new citation, and what's more - lets you know what you can expect to happen to your insurance premium as a result.  Not a popular subject, but take a look, and hopefully this lovely graphic will help you keep yourself (and others) safe on the road - and your premiums at a minimum.

Hit the jump to see the whole graphic.

Continue reading "Infographic: Ticket? Uh-Oh. Now what?" »

June 18, 2012

Taking Three Generations on a Road Trip? Here are 9 Steps to Arrive Stress-Free

By Allstate

3GenRoadTripIncreasingly each summer, parents are packing up the SUV, squeezing in grandparents and the kids, and hitting the road for an ambitious intergenerational road trip.

But, from flat tires to family squabbles, planning a safe road trip with three generations on board is challenging. Here’s a step-by-step guide to planning your next extended-family excursion.

Step 1: Assess the passengers. Take an inventory of everyone’s interests, their physical abilities and their routines before settling on a destination (do you really want to disrupt a toddler’s sleep schedule? The youngest and oldest in the group offer a good reality check of what’s possible.

Step 2: Pick a “must-do”. Ask each family member to select one “must-do” activity. Everyone will feel like they have a voice in the planning process and will have something to look forward to, including moody teens.

Step 3: Set expectations early. Everyone should know what to expect in terms of stops, activities, etc. If your child needs an early bedtime to keep from getting cranky, be clear about this scheduling need from the start. The same goes for adults. If you’ll need regular Wi-Fi access or will be required to check in with your office, let the family know in advance. You should also establish a set of behavioral guidelines. Who will be the disciplinarian? What are the consequences for misbehavior?

Step 4: Talk about money. Communication can usually ward off money conflicts in a family, and an all-family vacation is no different. Decide where you’ll be cutting costs (4-star or budget hotel?), where you don’t want to, and, most importantly, who will be paying for what.

Step 5: Split up activities. Balance kid-friendly activities with historical and cultural attractions for adults. A trip through Virginia, for instance, might include a day at Colonial Williamsburg followed by a day at the neighboring Busch Gardens amusement park. Splitting up activities can also help balance energy levels: while parents and kids hit the amusement park, grandparents might enjoy resting at the hotel and reading.

Step 6: Keep it flexible. Yes, a great road trip starts with great planning. But micro-mapping a trip eliminates spontaneity and crams too many activities into each day. Instead, build in daily “free time” for things like naps, road-side attractions or even a short run.

Step 7: Prepare the car. Prior to hitting the road, take your car in for an oil change, a tune-up and a full cleaning. Stock it with things like water bottles, garbage bags, wet wipes and some entertainment (books, games, DVDs) to prevent kids from causing driving distractions.

Step 8: Upgrade your ride. Close quarters can lead to grumpy passengers. If your budget allows, consider renting a large van or even an RV. Everyone will have more personal space to relax. An RV can also double as a home-away-from-home, which can cut down hotel expenses.

Step 9: Enjoy the journey. Half the fun of a road trip is the spontaneous family sing-alongs or the prospect of retelling stories about getting lost. Patience and a good sense of humor will ensure the memories are ones you’ll want to keep—even if you’d like to forget all the questionable diner food you ate!

PamelaryanPamela Reyhan is the manager of digital content strategy for Allstate. She loves all things digital, is the mother of twin girls and is a former Diet Coke addict.


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