How does a speeding ticket affect your auto insurance?

If your are over twenty five and this is the only ticket on your record in the last three years it will make little difference on your auto insurance rates. Insurance companies do not necessarily review your driving record every year. It is checked when you first apply and then it depends on the policy of that particular company.
The problems will start with your second ticket. That is why it is important to keep any and all tickets off your record. Many states will allow you to take traffic school or they have a deferment program.
Check the laws in your state to see what options are available. In most cases just showing up on your court date will allow you to negotiate for a reduction in the fine and points.
If you drive a company vehicle or have a CDL license it is very important to keep your driving record clean because the records of these drivers are checked every year.
As a general rule you can expect one four point ticket to increase your insurance premiums by at least 50% for each of the next three years. In many cases it is cost effective to retain an attorney.

Differences Between Business and Personal Car Insurance

By Colin on Tuesday, December 27th, 2011 | 2 CommentsThe difference between business and personal car insurance are many. This as the names suggest comes about as a result of the use of the car and in this case either for personal or commercial purposes. In order for you to better understand car insurance, it is necessary for you to know the facts about these types of car insurance individually as it will also clearly show you the differences between the two.

Personal car insurance
As the name suggests, this type of car insurance policy is only written for individuals who  drive their vehicles for private use. These can either be driving to work, school any other task which is personal. This particular  insurance consists of liability coverage. Before driving legally in South Africa, you are required to get a physical injury as well as a property damage liability coverage. Every personal car insurance policy taken up is required to contain this specific coverage.
Private car owners can also include comprehensive coverage as part of their personal car insurance. This way they also have their cars insured against vandalism, or in case it is stolen or damaged in other ways other than in a collision with another vehicle.
Business car insurance
When driving a company vehicle as you perform various official duties , your personal insurance policy will not cover you in case of any eventualities. This is because vehicles used for commercial purposes require a business car insurance policy. This has to be taken up by the company that owns the vehicle. This type of insurance not only covers the vehicles but the employees as well. This type of insurance is a requirement for any business and the driver as well since who is an employee of this company. Whenever an accident occurs, the business as well as the employee can be held responsible for any damages caused.
Key Differences between business and personal car insurance:
Both business and personal car insurance consists of a similar type of coverage. The difference comes in the fact that they cover people in varying situations. The main difference between these two insurance policies is the fact that business car insurance can be written to cover numerous vehicles within a single policy while the personal car insurance cover will only cover one vehicle per policy.
Unlike with personal car insurance,  a business car insurance will also cover several employees as long as they are named in that particular policy. Through a business car insurance, you can also have all the employees of a particular firm fully covered. This as previously stated will be beneficial to your firm as it will offer your employees the much needed protection against any injuries which may come about as a result of car accidents.
Even with the mentioned differences, when looking for the best personal or business car insurance in South Africa, it is necessary that you look beyond the cost of the insurance.

Easy Tips To Lower Your Auto Insurance

By Hema Patel

We all have to have auto insurance and in most states it is not only a necessity but it's the law. The truth is, being involved in a traffic

Auto Insurance

Welcome to Auto Insurance List your number 1 resource for information regarding auto insurance and car insurance related questions. With the number of cars on the roads these days continuously increasing, "fender-benders" seem more prone to happen, and when they do, you want to make sure that you're not the one made to pay the expensive bill, especially if it wasn't you who caused it. We here at Auto Insurance List .com want to ensure your care and the care of others when you get behind the wheel. To do so, we have not only provided you with a great deal of information regarding the auto insurance industry, but have also gone out and found some of the best links to other informational sites and qualitym auto insurance providers so that affordable automobile insurance is a merely a step away

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What to look for in an Auto Insurance Quote

What to Look For in an Auto Insurance Quote

By Nelson D Shirima

When it comes to matters related to insurance, one needs to make sure they use the insurance from the best company, which is trustworthy and will give them all the details they need. When one settles with reliable and reputable companies, he/she should be assured of fast services and good representation in case of a claim. Most of the insurance companies have brokers, who take time to give clients the needed information regarding the company. They tend to only give the good side and fail to the client a clear view if what the company is all about. They always tend to sell the company to the client. So it is better for one to take time and visit various insurance firms so that they can get all the details they need. When it comes to the auto insurance quote, it is advisable for one to take time and understand all the details, and choose the quote that fit their budget.
There are certain factors one needs to keep in mind when it comes to getting an auto insurance quote. These include the price, the cover, as well as the insurance firm itself. There are various polices that govern the auto insurance sector. This means that one needs to settle with the one that best suits their budget. To ensure that one gets the best available policy they have to do extensive research. This will assist them in discovering the most efficient and affordable quotes found in the market. These are quotes that charge low premiums. One may find some premiums are higher than others but give good benefits to the insured. In the motor industry, the comprehensive policy caters for the public vehicles and some private vehicles. Knowing all these can be of benefit to any car owner.
One can go to different auto insurance firms, get different quotes and compare them. This can prove to be hard and tedious but it is worth every hustle. Well, it can get hard and tricky when the quotes are more or less the same. Such a scenario can leave one confused not knowing what quote to choose. Luckily, with the availability of free auto insurance quote, one does not need to compare quotes but go ahead and choose the quotes that are free. The internet makes one's research easy and simple it gives them a detailed information regarding quotes thus making it quite easy for them to make a decision.
We provide the best info about insurance auto quote and free auto insurance quote. For further details please visit the provided links.

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Distracted Driving Is the Cause of 15 Accidents Per Day

In response to the increase in accidents caused by distracted driving, in February of this year, a law was passed that makes texting while driving a primary offense.  This means that an officer does not need any other reason to pull you over.  In many states, it is a first offense to use cell phones while driving without a hands free device.  It wouldn’t surprise me if Virginia considers making a similar law in the future.
Here are a few more statistics that I am pulling directly from
  • In 2010, 3092 people were killed due to distracted driving accidents
  • 18% of Crashes in 2010 were due to distracted driving
  • 11% of all drivers under the age of 20 involved in fatal crashes were reported as distracted at the time of the crash. This age group has the largest proportion of drivers who were distracted.
  • Text messaging creates a crash risk 23 times worse than driving while not distracted.
  • Sending or receiving a text takes a driver’s eyes from the road for an average of 4.6 seconds, the equivalent-at 55 mph-of driving the length of an entire football field, blind.
  • Driving while using a cell phone reduces the amount of brain activity associated with driving by 37%.

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