Low Cost Auto Insurance Tips

Home insurance and car insurance are usually two very different worlds that don't often come into conflict. Car insurance covers auto accidents, home insurance covers homeowners concerns, and your coverage is never complicated. Well what do you do in the instance that something strange like that happens? What do you do when a car runs into your house?





I ask because something similar recently happened to me. A friend of mine lived in a little 2-bedroom house in east Texas. Last week, a drunk driver careened over the curb, knicked their garage, then drove straight through their living room window.





Normally, any act of vandalism in situations like this get paid through the other party's homeowners insurance. Homeowners insurance policies often protect damage we (unintentionally) cause to other people's home. But because the vandalism happened to be with a car, and not with a baseball bat or a rock, homeowners insurance doesn't apply.





My friend tried contacting the man's auto insurance provider, who claimed that in cases of property damage (like this), they would only pay the replacement costs of the living room and the possessions, minus the depreciation on the house. This means my friends get almost nothing for the tens of thousands of dollars of damage.





So how can you keep this happening from you?





Well, where auto insurance fails, homeowners insurance succeeds. Guaranteed replacement coverage will cover the full cost of repairing your home—or in this case the tv, couch, and living room—with no strings attached. You only have to pay the deductible. And even then, there's good news.





What kind of good news? Let's say that you're with Allstate, and the drunk driver is with State Farm. You pay your deductible to Allstate, who then turns around and demands State Farm to pay the full amount of the damage. State Farm plays ball, and gives Allstate the full amount for the damage. Allstate turns around and hands back that full amount, as well as your deductible. And since the driver was drunk, and the damage was in no way your fault, this doesn't count as a fault claim against your policy. That means your premiums won't change. The reason for this is an interesting loophole in the collision of the homeowners insurance world and the auto insurance world. When the Auto Insurance Company pays you directly, they have the right to take out the depreciation of your property. However, when your Homeowners Insurance Company files the claim for you, the Auto Insurance Company is forced to pay back the full amount of the claim.





This is just one of many loopholes that could save you money on insurance. It definitely pays to be well informed.

April Tourneau has a passion for saving people money, especially in these hard times. Whether she's helping with a home insurance online quote or understand what their policy language means, you can be sure she'll give it her best. To see how to save money and get the most value for your insurance dollar, go to => http://thehomeinsuranceblog.org/

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Auto Insurance Online Tips

There are few more stressful situations than having to buy a car. Whether it's new or used, there are many things to consider when buying a vehicle. Especially if it is used, there are some precautions you should take when considering a used car. One of these things is requesting a vehicle history report. Many cars on the used market will have been damaged in some way, and in the process of reconditioning for sale, the owner will also request that some information be removed from the title. Requesting a history report will reveal several things: disaster damage, flood damage, rebuilt, and a salvaged vehicle.





Other things that a history report will reveal are odometer inconsistencies and roll-backs, accident reports, insurance totaled, number of owners, and dates and location of ownership. All of these items will educate as to the car you are looking at, and may not be readily apparent to you as a buyer.





When reading your history report remember that warranty companies won't cover vehicles that have been heavily damaged, salvaged, or insurance totaled. This is a major consider for many people who are looking to spend more than just a few thousand dollars. Out-of warranty repairs on these cars can be particularly expensive, as many of the parts are computer chip based and problems are hard to diagnose. Most faulty parts in this area can't be repaired and must be replaced as well, so taking the time to educate yourself as to the history of the vehicle will be critical.





From a pricing standpoint, there are many resources to help you know whether the vehicle is priced properly. The first thing you should do is find out the price for which other similar cars are being sold, and what their value is. There are many resources for this type of information, not the least of which is the local market classified advertising section of the newspaper. Other online resources will help you to discover the current market prices for the vehicle you are interested in as well. Remember that local sources are best for this search, as the same car will have different prices in different areas of the country. For example if you are looking for a car in Utah County, you should search out Utah County auto prices.





In short, make sure to discover the vehicle's entire history, and search out the local prices for the vehicle in which you are interested.

Gregory Pontiac is a new and used utah county auto dealer in Utah County, Utah. Art Gib is a freelance writer.

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