Category Archives: Insurance

Types of auto insurance

Shopping for auto insurance can feel like jumping through a lot of hoops, especially if you’re not familiar with the various terms relating to insurance and what type of insurance you should purchase for your vehicle. You should also be aware that several factors will come into play when it comes to how much you pay for insurance. These factors include where you live and work, your age and gender, your credit history, how you store your vehicle and what kind of safety features it has, such as an alarm system and anti-lock brakes.

There are two primary types of auto insurance: comprehensive and liability. Comprehensive provides coverage for damage to your vehicle and other vehicles. Liability-only, or limited coverage, insurance covers just the other driver, not you or your vehicle.

Once you’ve decided between comprehensive, which is a must for newer and high-value cars as well as cars that have a lien on them, or liability-only, which is better for older cars that aren’t worth as much, you’ll also want to consider limitations for bodily injury, medical expenses, and vehicle and property damage. These can vary, though all states have required minimums. Deductibles are another thing to consider. Lower deductibles mean that in the event of a claim, you’ll only pay a few hundred or less out of pocket, but a low deductible will significantly increase how much you pay each month. Opt for a higher deductible and watch your monthly payment drop significantly.

There are many add-ons you can consider for a car insurance Harrisburg policy. From free roadside assistance to free or reduced towing to rental reimbursement, there are many driving-related features that your policy can carry. If you’re on the road a lot or don’t have a secondary vehicle in your household, then you’ll want to at least consider rental car coverage. There are also add-ons for financial assistance if you miss work due to injuries as well as special policy pay-outs in the event of severe injuries or death. While these will increase the cost of your premium, they are certainly worth considering, especially if you have a family.

Before committing to an auto insurance policy, make sure you fully understand your policy’s coverage, what is or isn’t covered and what your expenses will be. If you have questions, don’t hesitate to ask.

Are Women More Likely To Get Car Insurance Than Men?

It has been noted that women get cheaper car insurance than men. They also get car insurance easier than men. Some people have termed this as sexism, an arguable opinion. Most insurance companies tend to trust women more than men where cars are involved for several reasons. This is why it is faster and easier for a woman to find great car insurance quotes. Men are known to pay more for car insurance.

1. Good records
Studies show that women are involved in accidents less often than men. This makes them more trustworthy than men. Some people argue that giving women car insurance cheaper and faster incurs losses to insurance companies. On the contrary, the insurance companies gain a lot from this because they rarely have to chip in for a woman. Studies also show that women are more attentive on the road than men. It is easier for a man to be visually distracted while on the road as opposed to a woman. Men are visual creatures hence once in a while will ogle at women while on the road. This habit has caused grisly accidents on several occasions. Fewer women practise drunken driving as opposed to men. Insurance companies see women as low risk clients, a major advantage for women. Men mostly find themselves in bad driving records because they are daring drivers while women are very careful drivers. More women obey traffic laws as opposed to men. For example, a woman is more likely to fasten her seat belt while a man mostly forgets or ignores it.

2. Less mileage than men
Women rarely use their cars for long journeys. Most of them use their cars for errands. This makes their mileage covered much less compared to men. When a woman has to travel far, she mostly opts for public transport. They tend to fear driving in new places hence only use their cars for errands in familiar places. Insurance companies make it easy for them to get a car insurance policy with attractive quotes because women rarely file for a claim due to mileage.

3. Conservative cars
Men and women have different interests in cars. A woman is conservative with her choice of cars while a man is daring. A woman buys a car that is economical and can at least take her from point A to B. Few women consider speed and complexity of a vehicle. Men on the other hand, tend to love cars with great speed capabilities and beasts on the road. As much as having a very fast car with the most complex capabilities is awesome, maintaining it is very expensive. Unfortunately for men, this is their most preferred vehicles. Repairing a sports car for example, is very expensive. Insurance companies tend to hesitate giving such people a car insurance policy. Women therefore end up getting affordable car insurance quotes faster than men.

As much as women have a better chance of getting car insurance than men, men should not despair. There are other ways of ensuring that one easily gets car insurance other than being female. Maintaining good driving and credit record immensely increases the chances of one getting a good car insurance quote. One can also indirectly pay more for a policy. You should make sure that you pay for the right cover. Sufficient research needs to be done. Some companies tend to have higher premiums than others. Checking online is easier and faster because there are directories which show rates for several companies and their covers. Despite one’s gender, it is crucial to read each company’s terms and conditions in order to know what the full coverage has and the exclusions. Why not get a quote from AXA insurance and see how much you could save.

Protect your health, my advice

There’s a really good reason I talk about mine and my family’s health on this blog; it’s really important to me, just like your family’s wellbeing is really important to you too. I talk about it often because it’s on my mind a lot. I like to make sure that I can live a long and happy life, watching my kids grow up (and my grandchildren, and hopefully great grandchildren too). I need to stay healthy, and I really want my kids to grow up in good health too.

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A friend of mine was recently injured in a car accident, and this has made me think about it even more than usual. She’s fine now. She took a bit of time off work until she got better, and she was out of action for quite a while. Shortly after she got hurt, and when we knew she was going to be ok, I told her to go to a personal injury claims company. They’re on the internet now, so it’s really easy to do. She could just visit a site like no win no fee and get some proper advice on how she could make up some of the money she missed out on not being at work. She took my advice and the results were brilliant – they took her case on no win no fee and helped her with all her medical costs.

My advice to readers is that you should definitely consider this if you ever get hurt. I would need help with my medical bills and with looking after my family if I ever got too hurt to work, and I think you probably would too.