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Low Rate Car Insurance - Frontal Air Bag Safety

Frontal air bags have been standard equipment in all vehicles since the late nineties. Based on how severe an accident is, frontal air bags are designed to rapidly inflate for the purpose of preventing the occupants sitting in the front seats from colliding with the steering wheel, dashboard and windshield.

Some people unfortunately believe that if they have frontal air bags in their car, they can take a more lackadaisical attitude regarding the wearing of seat belts. This of course is foolish logic because air bags were designed to be effective only “when” passengers are wearing seat belts. In addition, wearing seat belts will protect you in rollovers, side-impact and rear-end crashes whereas frontal air bags will not. Also, and this is VERY important, people who are not wearing safety belts can be seriously injured if they are too close to an air bag when it is released.

To help reduce the risk of injury when a frontal air bag is released, follow these helpful tips:

  1. Always keep your safety belt buckled.
  2. Keep approximately 10-12 inches between your chest and where the air bag is deployed.
  3. Never place a rear facing infant seat in front of an any kind of air bag, that includes the new “advanced” air bags.
  4. General rule of thumb is to place any child 12 years or younger in the back seat, out of the range of a frontal air bag. Even with advanced air bags, children can be seriously injured or even killed by the deployment of the bag.
  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - Collectible Car Insurance Coverage

    If you want to insure your collectible or vintage car, from antiques to modifieds, hot rods to kit cars, you will need to get “specialty” insurance. Many of the big name companies offer it, either themselves or broker another company which specializes in this type of insurance coverage. These types of cars are not your standard automobiles and that’s why specialty insurance coverage is so important.

    Here are the types of cars that normally need collectible car insurance:

    • Antique Cars
    • Classic Cars
    • Custom Cars
    • Exotic Cars
    • Hot Rods
    • Kit Cars
    • Modified Cars
    • Muscle Cars
    • Replicars
    • Woodies

    This type of insurance also covers various foreign and domestic sports cars.

    The definition, with regard to insurance, of a classic car is one that is least eleven years old and in outstanding condition. Hot rods covered are usually cars that were made before 1950. For more detailed information, please check with your car insurance company.

  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - Cars That Are More Affordable to Insure

    Last week, we listed some cars that offered low rate car insurance based on model. We did some more extensive research and found these cars also offered a solid value insurance-wise:

    • ACURA
      • 3.2 TL
      • 3.5 RL
      • MD-X
    • BUICK
      • Century
      • Le Sabre
      • Regal
    • CADILLAC
      • Eldorado
    • CHEVROLET
      • Astro
      • Avalanche
      • Cavalier
      • Express Van
      • Impala
      • Malibu LS
      • Suburban
      • Tahoe
      • Tracker
    • CHRYSLER
      • Prowler
      • Town and Country
    • DODGE
      • Caravan Sport
      • Durango
      • Grand Caravan EX & Sport
      • Intrepid
    • FORD
      • Escape
      • Escort
      • Excursion
      • Expedition
      • F-Series Pickup
      • Ranger
      • Taurus
      • Windstar
    • GMC
      • Envoy
      • PU Sierra
      • PU Sonoma
      • Safari
      • Savana
    • HONDA
      • Accord
      • CRV
      • Odyssey
      • Passport LX
      • Pilot
    • HYUNDAI
      • Santa Fe
      • Sonata
    • ISUZU
      • Rodeo
    • MAZDA
      • 626
      • Miata
      • MPV
      • PU B-Series
      • Tribute
    • MERCEDES-BENZ
      • S430
      • CLK 320/430
      • ML
      • SLK 230
    • MERCURY
      • Grand Marquis
      • Mountaineer
      • Sable
    • MITSUBISHI
      • Montero Sport
    • NISSAN
      • Altima
      • PU Frontier Series
      • Maxima GLE
      • Pathfinder
      • Quest
      • Xterra
    • OLDSMOBILE
      • Aurora
      • Bravada
      • Intrigue
      • Silhouette
    • PONTIAC
      • Aztek
      • Firebird
      • Grand Prix GT/GTP
      • Montana
      • Sunfire
    • SAAB
      • 9 - 3 Series
    • SATURN
      • L/LW Series
      • SC/SL Series
    • SUBARU
      • Legacy
      • Legacy Outback
    • TOYOTA
      • 4-Runner
      • Avalon XLS
      • Camry
      • Highlander
      • RAV4
      • Sequoia
      • Sienna
      • Tundra
    • VOLKSWAGEN
      • Cabrio
      • Golf
      • GTI
      • Jetta
      • New Beetle
      • Passat
    • VOLVO
      • C70
      • S40
      • S70/S80
      • V70
  • Posted in Low Rate Car Insurance | No Comments »

    Low Rate Car Insurance - Questions a Car Insurance Agent Might Ask

    When applying for car insurance coverage, be prepared to answer a lot of questions. To help you in your preparation, here’s a list of questions that are most frequently asked when applying for car insurance coverage:

    1. What is your home zip code? 
    2. How many vehicles do you wish to insure? 
    3. Number of drivers that currently live with you? 
    4. Number of drivers that you want to have on this quote? 
    5. What type of residence do you live in and do you own or rent? 
    6. Date of birth of all drivers? 
    7. Do you currently have car insurance? If so, what type? 
    8. What company is your policy with? 
    9. How long have you been insured with this company? 
    10. What’s the expiration date of your current policy? 
    11. What’s your current coverage (liability limits)? 
    12. What’s your age? 
    13. What’s your home address? 
    14. How long have you lived at this address? 
    15. Will the vehicle being insured be kept at this address? 
    16. Who is the vehicle being insured, registered to? 
    17. What’s your marital status? 
    18. What’s the highest level of education completed by the driver being insured? 
    19. What’s the driver’s current occupation? 
    20. How many years have you been with your current employer? 
    21. Current status of driver’s licenses (valid or not)? 
    22. How old were you when you received your first drivers license? 
    23. How long have you been continuously insured? 
    24. Have you ever had your license suspended or revoked? 
    25. How many tickets or violations have you had in the past seven years? 
    26. What’s the make, model, and year of the car being insured? 
    27. What’s the vehicle identification number (VIN)? 
    28. Do you own, lease or finance this vehicle? 
    29. Vehicle’s primary use (i.e. school, work, etc)? 
    30. Number of days driven to school or work? 
    31. How many miles is the car driven per year? 
    32. Type of anti-lock brakes? 
    33. Type of anti-theft device? 
    34. Type of car insurance coverage you want to have (how much per person, per accident, property damage)? 

    There it is. They might slip in another question here or there but that list makes up the typical core group of questions. Also, if they’re doing their job well, they will ask you about other potential insurance needs like home and life if applicable. Their job is to sell, sell, sell so be prepared. Most policy quotes are good for up to 60 days.

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