How to Get Points Removed from Your License

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Health insurance usually doesn’t cover loss of wages

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Machine Vision and the Auto Industry

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Hit by kid who was driving his employer's truck

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Was in an accident and the other guy had no insurance. How much can I get for pain and suffering?

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The Top 10 Most Expensive Cars In The World

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Auto Insurance Deductibles Explained

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PIP and Health Insurance – Know the Difference

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Insurance today

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Why are Insurance Quotes for SUVs More Expensive?

Sports Utility Vehicles (SUVs) are menacing. SUVs are majestic. When you drive in an SUV, you feel like the king of the road, as if nothing will be able to stop you. That’s no trick of the mind – it is normal for people seated at an elevated position to feel powerful, and the higher chassis of SUVs does just that. Even if you were to get into a car crash, it’ll be the other party that’ll end up as a pile of scrap metal; your SUV will drive out, unscathed.
However, ask for insurance quotes for SUVs, and you’ll be in for a surprise: it’s actually higher than the quotes for normal vehicles! Isn’t the SUV supposed to be a lot sturdier, thus safer than normal sedan cars? What gives?

The reason why insurance quotes for SUVs are higher

If you say that SUVs are safer than normal sedan cars, you couldn’t be more wrong. Even though the SUV is indeed much heavier and bigger than normal 4-doors vehicles, they are usually built on a truck platform, making it more elevated than normal cars. This raises its center of gravity, making it more prone to rollovers than the lower sedan cars. In fact, in a recent study, it is shown that SUVs are 2 times more likely than sedan cars to rollover! Such statistics points to the apparent dangers of driving an SUV, thus spiking the insurance quotes for SUVs to new heights.
Also, with your SUV at a higher platform, your passengers are more likely to be injured. Vehicles with lower platforms are shown to be much safer than vehicles on taller platforms, because of reasons such as the rollover implication mentioned in the previous paragraph. A rollover will be an ugly sight to behold – you will be thrown around like a doll in confined space (which is constantly becoming smaller and smaller), and that’ll cause some serious injury, topped with a hefty medical bill.
SUVs are also prime theft targets. In a recent survey, it has been shown that SUVs are seven times more likely to be stolen than normal cars! This could be because of the value of luxury SUVs – SUVs are generally more expensive than sedan cars. With such lucrative pickings, more and more car burglars are now targeting these luxury SUVs. To account for these statistics, your auto insurance company will adjust its premium accordingly.
Repair costs for SUVs are often higher as well. Aside from the more expensive parts that are required to for replacements, SUVs often suffer more damage than normal sedan cars (remember the paragraph about rollovers?). As such, insurance companies usually will have to pay out more in order to cover the auto insurance claims for SUVs. This will thus increase the auto insurance quotes for SUVs.

I’m still intent on getting a SUV. How do I get the best auto insurance quotes for them?

The very first thing you should do is to shop around. Compare the auto insurance quotes for SUVs across many different companies. Sometimes, one insurer will offer much better auto insurance quotes for SUVs when compared to their competitor, so source for the best deals by having a wide range of quotes from different auto insurance companies.
Next, when you’ve picked the insurer, check whether they offer different auto insurance quotes for SUVs of different models and makes. There are instances where a SUV of a different model has much lower auto insurance premiums compared to another model. The second model might be a magnet for car burglars, resulting in higher auto insurance rates. If you find the premium a little too high for you to handle, consider switching models to cut on auto insurance premiums.
The next step you can take to reduce your auto insurance quotes for SUVs is to install safety measures into your car. By installing airbags, anti-lock brakes, parking sensors and anti-theft alarms, you will reduce the amount the probability of your vehicle being involved in such unfortunate circumstances, thus reducing your auto insurance premiums for SUVs. You should contact your auto insurance company on the discounts you can get for these installations.
SUVs may be the king of the road, but they come with a hefty price tag. In addition, the heavy burden from auto insurance premiums may be a little too much for your current finances. However, there is hope: new SUVs are being built on car platforms instead of truck platforms, making it much safer than before because of the lower center of gravity. Give it a few years, and the auto insurance quotes for SUVs will start to decrease.

Public Auto Insurance

I’m not going to lie, owning a car is expensive. Not only do we have to worry about gas, parking, tolls, repairs, and maintenance, we have to buy pricey auto insurance. For those of you who cannot afford the high cost of auto insurance, you might feel hopeless and think that there’s nothing you can do. Think again! The government actually offers some low cost automobile insurance plans (depending on your area).
Basic auto insurance is required by law in all 50 states. The government requires that all drivers have at least some form of liability insurance (to protect other drivers if you crash into them). Although all states require you to buy auto insurance, premium rates differ state by state.

There are many affordable options for auto insurance in the USA via government sponsored insurance programs.

It’s no secret that we all have the option of purchasing insurance from a private provider. We’ve all heard of Geico, Allstate, and Progressive. But sometimes, these companies are just too expensive. This is why there is government public auto insurance. Those with low income or disabilities might qualify for these options. These public options may come from either the federal government or local governments.
Let’s take a look at some public auto insurance options from around the country:

• Our California visitors have access to the California Low-Cost Automobile Insurance (CLCA) program. According to their website, the primary goal of the CLCA is to provide an affordable auto insurance option to low-income good drivers.  Currently, this program is available in Los Angeles, San Francisco, San Diego, Alameda, Riverside, San Bernardino, Orange, and Fresno. With this insurance, the State of California will insure a driver for up to $10,000 bodily injury per person, $3,000 property damage, and up to $20,000 per accident. Drivers over the aged 19 or older who have at least 3 years of driving experience are eligible. In addition, their car must be worth less than $20,000 and they must meet the income requirements. A good driving record is also recommended.

• If you live in Maryland, you also have a public insurance option – the Maryland Auto Insurance Fund. This fund, established in 1972, provides Maryland residents, who are unable to obtain insurance in the private market, auto liability insurance. This policy provides drivers with at least $20,000 per person bodily insurance and at least $15,000 in property damage. The State of Maryland provides interested applicants with a quote on their website.

• New Jersey has the highest auto insurance rates in the nation. With basic auto insurance averaging at almost $1500 per year, thank god there is a public option for those who cannot afford it. The Special Automobile Insurance Policy, or the SAIP, is an auto insurance program that provides affordable automobile coverage for drivers eligible for medicaid. These drivers can obtain medical care for car accidents at a rate of $365 per year. Although limited, this option is much more affordable than buying medical coverage from a private insurer.

Your state may or may not have a public auto insurance option. For more information regarding this issue, it’s best to check with your local DMV. Often times, even if there is not any government sponsored auto insurance program, there is at least some type of government assistance you can receive. When it doubt, just ask.
With the recent health care debate in the United States, many have questioned whether or not the government should provide auto insurance as well. As private insurance rates continue to rise, Americans are beginning to ask whether or not public is the way to go. Although no move has been made by congress to bring a public auto insurance bill into legislation, people are talking about it. Expect to hear more about this issue in the political arena in the near future. Also expect to see more and more local and state insurance options popping up.
If there is no government run auto insurance program in your area, don’t sweat it. Insurance prices these days aren’t as burdening as they once were. A thriving car insurance market in recent years has kept rates competitive for consumers. There are also many internet sites out there (including this one) that allow customers to compare insurance quotes to find the cheapest option.
If you do not qualify for public insurance, do not have public insurance in your state, or are still on the fence about obtaining public insurance, why not give our insurance quote tool a try? To get started, enter your zip code in the box above. You will then be asked to fill out a brief three page questionnaire. Following completion, you will be given car insurance rates from the top insurance providers.
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