Rental Car Insurance – Car Rental Collision Waiver Melbourne, Florida
Insurance Center of Central Florida

http://www.theinsurancecenter.us/

Get FREE information about Rental Cars and Collision Waivers. Why you should accept the additional coverage. Log on to www.TheInsuranceCenter.us for complete details.

Frank: One of the big questions we always get that people want to know is when I rent a car, do I need to buy the collision waiver, the insurance that the car company is offering. And Kevin’s going to tell us about that.

Kevin: Well, that’s a question that everybody likes to ask because when you’re there, you always hear the spiel from the kid behind the counter, and they make it sound like this wonderful product. People always want to know, should I pay for that? Should I pay that daily charge, which has increased significantly over the years.

Frank: what, about $15 to $20 a day?

Kevin: Oh, it can range from $15, and I’ve seen it as high as $30 a day. The reason why purchasing that warranty — because it’s not an insurance product, it’s a warranty product — from the rental agency is a good idea is because when you sign that contract when you rent the car, you’re taking a lot of liability on yourself that you may or may not realize. And part of that liability is you’re guaranteeing the rental agency if something happens to that car, you’re going to take responsibility for it. Now, if you damage the car in an accident, you may be able to file a claim against your current auto insurance company, and they may help you pay for it depending on what type of auto insurance you have. But other reasons why you may want to buy the waiver is because if you damage the rental car, you can call the rental agency, you can call the 800-number, they’ll come and get the car. Some of them will bring you another one. You don’t have to make a claim against your auto insurance. You don’t have to pay a deductible, which you will have to pay if there’s a claim against your auto insurance. Some deductibles can be as high a $1,000 depending on the damage. You can relieve that responsibility, and it will also cover the rental agency’s loss of income from them not being able to rent that car for a week or for two weeks or for longer because they can’t put it on the road because you broke it. So, for people who ask, should I buy this? If you have auto insurance, there’s a good chance your insurance company might pay to fix the damage to that rented car. What most of them will not pay for is any loss of income to the rental agency, which can be substantial. You’re going to have to pay a deductible, which is an out-of-pocket expense to you, and it’s going to be a claim against your auto insurance policy, which means your auto insurance might get more expensive or even non-renewed. So, when you’re thinking whether or not it’s a good deal, if you remember those factors, it might help you make the decision.

Frank: We had a guy, he rented a car in Alaska, and he brought it back, parked it, put the keys in the thing. About four months later, he gets a letter that says, hey, you wrecked our car. And he had to go back and forth arguing with them saying, hey , I didn’t wreck your car; who says it didn’t happen I dropped it off? I think he ended up paying a deductible and having his company pay it. But again, they were charging him for days off that he had to pay out of pocket as well.

Kevin: Right, absolutely. And another thing to remember is it all depends on the rental agreement. The details that I can tell you from this desk are what I know from a few examples from national rental agencies, but there’s rental agencies out there that might have agreements that ask for a tremendous amount of information that I haven’t even discussed. So, it’s always a good idea to read the rental agreement. And if there’s any question at all about what coverage you might have under your auto insurance policy for a rented vehicle, you’ll want to give your insurance agent a call.

Frank: Again, give your agent a call, review your policy, and if youd like a second opinion, give us a call at the Insurance Center of Central Florida. Our number is below.

Duration : 0:3:42

Auto Insurance Rates in Melbourne, Florida
Insurance Center of Central Florida

http://www.theinsurancecenter.us/

Get FREE information about auto insurance rates and why you should shop for auto insurance. Log on to www.TheInsuranceCenter.us for complete details.

Frank: One of the other things I’d like to talk about is why you should shop your auto insurance. A lot of people get with the same company and stay with them for years. They don’t really shop, and I don’t think that’s wise. Even if you read Consumer Reports, they will tell you to shop your rates not in between a direct writer, but go to some of the independent agents as well. There are several things that will affect your rates.

Kevin: Absolutely. Your auto premium can be based on a number of variable factors, anything from the age of the children or the age of the individuals on the auto insurance, the type of car that you drive, crash statistics – national crash statistics can have a huge impact. The geographical region that you live can have a huge impact. And these things are always changing, and several of which are out of your control. It’s always a good idea to have your auto insurance shopped at least every couple of years to make if one of those variable factors have changed, you’re not missing out on some possible premium savings.

Frank: One of the things we do, we have a program that will do five different rates at one time. And what’s amazing to me is that the person sitting across from us has the same risk, but the companies will have rates that typically will vary up to 40%, and I think it really depends on the company who they’re most comfortable insuring. Everybody’s so different anymore that these rates aren’t very consistent. One company might have higher rates, and they’re going to terrible for this customer, and all of a sudden, they’re the lowest. So, it does really pay to shop.

Kevin: Absolutely. And it’s also important to remember that if you have significant changes in your life, if you get married for example, it might be a good idea to shop your auto insurance because one of the partners might have a better driving record than the other, might have a better credit score than the other. There might be an issue there that can help control the pricing of the auto insurance favorably. So, it’s important that your auto insurance agent understands exactly how things are with your situation currently and is able to keep you up to date on any changes in your life or in your area that could have a direct impact on the cost of your auto insurance.

Frank: And especially if you have teenagers. I mean, teenagers are so expensive. And again, the company’s rates deviate so much for teenagers. Some are more inclined to insure them. Some have special programs for them called Teensurance, where they want to insure those teenagers, and they want to help them take courses so they have fewer accidents. So, you do want to shop, especially if you have teenagers.

Kevin: Absolutely, it’s extremely important that you contact your insurance agent, ask them if there’s any possible factors that have happened in your life that could change the pricing of your auto insurance. You may not have had any accidents in quite some time. Contact your insurance agent today and ask them to quote your auto insurance for you and see if maybe some of those changes in your life will have a direct impact on how much you’re paying for your insurance.

Frank: Again, give your agent a call, review your policy, and if youd like a second opinion, give us a call at the Insurance Center of Central Florida. Our number is below.

Duration : 0:3:8

A mere thought of a safely net to count on each time you get involved in a car accident would give you peace of mind. Surely, you don’t want to think of any emergency expenses all the time. But if that safety net costs you so much, then you may be getting a good protection yet certainly hurting your pockets. The essence of a safety net is spoiled and the idea of a good protection is wasted. That is why as a first time car insurance buyer, you have to realize that is it not enough to buy any car insurance policy that is suggested by a friend or similar to your parents.

Assuming that you are at the right age, already have obtained a driver’s license, have purchased a vehicle, have learned the terms and the different car insurance policies, then you are ready to buy your car insurance; the best place to do it is online.

However, shopping for car insurance online can still be very confusing if you are just armed with the above assumptions. Here are the step by step procedures which will help you in your pursuit for car insurance online:

1. Shop around

Search for different car insurance companies. Also look for sites that offer free quotes. This will enable you to know the exact amount you will have to pay for your car insurance policy. Search for car insurance company websites that offer online support. Read financial strength ratings of different car insurance company. You may want to visit Standard & Poor’s ratings and the A.M. Best regarding this information.

2. Be ready with the information you need when you ask for quote

These are: home address, previous car insurance details, driver’s license number, details about your car to be insured (model, year, and VIN), driving history, car’s use (business, leisure, etc), mileage per year, and so on. Have them with you once you begin researching.

3. Learn the tricks on savings

There are several factors that influence the amount of your car insurance policy; factors like your location, age, gender, status, credit rating, car’s security (anti-theft) system, number of years as a driver, driving history, etc. Some of them you cannot change while some can. Learn to lower down your premium using these things.

For example, a person with a clean driving record can get a cheaper premium compared to those who have received few tickets purchasing for the same coverage. Another example would be: purchasing a policy with the highest deductible you can afford can lower your premium. Also, a car with security and anti-theft devices such as airbags, car alarms, automatic seat belts, and tracking systems has a lower premium than cars without. There are several of these, know them all and you will surely get the most out of your coverage.

4. Get car insurance quotes from at least 3 sites

Different car insurance companies offer different prices for the same coverage. Make sure you get at least 3 car insurance quotes to know which company offers the best price for the same protection.

5. Weigh and select which one offers the best

Now that you have the quotes from different car insurance online, you have the final say on which one will serve you best.

Anthony S.
http://www.articlesbase.com/automotive-articles/auto-insurance-online-shopping-for-first-timers-87587.html

This isn’t like asking an auto insurer to take on, or not charge more for, people who have been in accidents in the past.

This is more like getting into a car accident and then applying for car insurance and asking the insurance company to pay for the accident that already happened.

It’s not a risk of loss, it’s a loss.

That’s not what insurance is.

Insurance is the pooling of risk. The actuarial tables say that out of 100,000 people, X% will get cancer, Y% will develop some other malady, etc…., and the premium rates are designed to ensure a modest operating profit if something slightly over the actuarial risks occur.

A pre-existing condition means that person is 100% likely to have the problem thus incur the costs. A few of those really throws off the model – 28 out of 1,000 is very different from 30 out of 1,002, when you consider that the premiums paid by everyone are supposed to offset the high costs incurred for the handful that do become ill.
Thus if you’re already sick, what you seek isn’t insurance in case you become sick – you aren’t seeking to transfer a low risk that you’ll become sick in exchange for a low premium.

It’s like walking into a casino with your own cards, putting down an Ace and a Queen and saying you hit 21.
Mark are you new to Y/A? The choice here is among soapbox sermons, questions about government cheese, fistfights between politicians, questions about what you’d say to Jimmy Carter, and posts quoting the Koran being deleted for being anti-Islamic…
"I dont know what you are implying. Do you think people should have to pay out of their own pockets for their health needs??"

Well, who else is going to pay for them????

Why do you think you have the right to make other people pay for you?

Imagine, what a novel concept, people paying their own way……

No!

There were nearly 6,420,000 auto accidents in the United States in 2005. The financial cost of these crashes is more than 230 Billion dollars. 2.9 million people were injured and 42,636 people killed. About 115 people die every day in vehicle crashes in the United States — one death every 13 minutes.

A car is a major investment. They’re necessary in today’s society and they sure aren’t cheap. Protect your vehicle. Look into auto insurance – just click this link: http://mlnks.com/dv

Duration : 0:5:20

1. There is no federal auto insurance requirement
2. I can buy auto insurance from any state in the U.S.
3. Auto insurance company’s are private.
4. They don’t charge the same rate for a brand new car and a piece of cr#p, A good driver and someone with a history of reckless driving.
5. Car insurance doesn’t pay for every routine maintenance needed on a car, like libs want health insurance to do.
6. I can’t buy insurance after I’ve had a accident. preexisting condition protection doesn’t apply
7. Ever heard of the Constitution of the United States?? The federal government cant make you buy anything. Which of the enumerated powers would that be?

If your going to make a comparison make one that makes sense. I keep hearing it even though it makes no sense.
Mr. You must either be the dumbest person if ever met or your just making fun of libs.
You just gave examples of More differences (not less)
There is no Federal police or fire department (duh)
The federal government can’t do whatever they want in the name of public safety. That was Hitler and Stalins reasoning. Why dont you take a little time to read the Constitution?
kiran C. Yeah you can use the commerce clause if you ignore the rest of the constitution, like the 10th amendment. The supreme court has already ruled that insurance in not commerce. The commerce clause referes to interstate regulation which according to liberals own legislation health insurance is not interstate since noone can buy out of state insurance.

You are not required to buy auto insurance but if you do not you will suffer the consequences later on. Car accident will make you wish you had auto insurance, car tag can be taken if no insurance, can suspend your drivers license for no car insurance. Don’t know if this applies in all states but I know of several where it does. Also cannot purchase any vehicle through a car dealership without showing proof of insurance. Maybe you do not call that being forced but I do.*

Auto Insurance FAQ

Once your teenage son or daughter is added to your insurance policy your rates are going to increase. How much your premium will increase is going to vary depending on how an underwriting department quantifies this additional risk. Lets face it, your child probably has very little driving experience, you’ve probably witnessed it while teaching them how to drive. The chances of them being in a car accident are greater than any other age group on the road.

However, there are a few things you can do to keep your rates from completely skyrocketing.

1.Encourage your teenager to enroll in a drivers education course. Even if this means that they’ll be staying after school for a few weeks to drive around in one of those student driver cars, its well worth it. Many insurance companies will discount your auto insurance premium once your child has successfully completed this course.

2. Encourage high academic performance. Many auto insurance companies will offer a discounted rate for teenage drivers who maintain a certain grade point average. Be prepared to provide your agent with a copy of your teenager’s report card.

3. Increase your deductible. This will lower your auto insurance premium even if you don’t have a teenage driver listed on your policy. Of course, you may regret the higher deductible if you file a claim.

4. Forget the flashy sport car, at least for now. Instead, if you must buy junior a car, purchase something safe and inexpensive to insure. To be safe, request an insurance quote BEFORE you purchase the car.

5. Shop around and compare rates. Some insurance companies identify your teenager as a greater risk than others.

anonymous
http://www.articlesbase.com/insurance-articles/keeping-teenage-auto-insurance-rates-low-120335.html

I was in an auto accident the 25th of october, my neck and back was injured. A 17yr old kid decided to come flying out of a gas station acrross a double yellow line into my lane as I was going through an intersection, did not see him at all, I guess he figured he could make it. He admitted fault to the accident and there was witnesses. He totaled my 1997 cadillac, I took out a loan to get it and it was not paid off in full, and on top of all of it my husband has been laid off so I settled with the insurance company 2500.00 for pain and suffering and lost wages and medical until Jan 1 2009. I am starting to regret it. we needed the money, or all of our bills would have been shut off, phone electric, and not to mention our rent. I have had several people tell me that I should have gotten a lawyer and not settled, on top of all of it I did all of the work, not my insurance company and the kid that caused the accident was high risk insurance. Advice anyone.

Well the thing is that you shouldn’t have settled. You should have taken the kid to court and sued for damages. That was your right at the time. But now you can’t go back and fix what you didn’t do. You have to make a choice up front when you are in that kind of accident. To settle which is what you did, or to sue. In that case you choose to settle to get the money, but it backfired. If you had sued you would have received more money from the lawsuit because it sounds like he was at fault. The sad thing here is that you can’t go back and undo the damage or the fact that you settled. Its far too late to sue after the case has been settled. The only thing you can do is learn a lesson from this and that is whenever you are in this type of an accident, sue the other driver. But make sure you do it if you know they are at fault and have caused major damage. I’m sorry for your losses and I hope that things get better for you.

Have had a perfect driving record for 20 years, last week on my way to work, hit black ice, and car overturned in the ditch – car was a total loss. Do you think my rates will rise? No injuries or property damage, just a totalled car from the crash. Have been with the same insurance company with no previous claims the past 10+ years.

It really depends on the insurance company. In most cases no, but some of them can be pretty strict.