Auto Insurance Experts

Do you live in Dorking? If you do then the likelihood is that you were more than a little unhappy when your home insurance renewal premiums dropped on your door mat this year. A report on home insurance premiums recently revealed that the average rise in Dorking last year was from £119 to £174, or 46%. If there was a lot of crime, claims as a result of flooding or weather damage, or even issues with the housing there then this would be understandable. What if there were no such circumstances for the highest rise in the UK though?

The report looked at 3.4 million quotes for buildings and contents insurance and noted that there had been significant rises all over the UK but none as hefty as Dorking despite a low crime rate and no natural disasters. It

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April was Distracted Driving Month, which got us wondering, are people distracted by their driving phobias? So we polled our Facebook community to learn more about what exactly gives them the behind-the-wheel heebie-jeebies. Here’s what they said shakes them up:

• 27% Driving on mountain roads without guard rails
• 27% Driving in bad weather (ice, snow, and rain)
• 20% Driving near large trucks
• 4% Becoming unable to drive
• 4% Driving over bridges
• 3% Driving near intoxicated drivers
• 1% Veering off the road (uncontrollably)
• 1% Fearing that the hood latch would suddenly release

If any of these driving anxieties sound familiar, here are some tips for staying calm on the road (no matter what happens):

A good instructor can guide you through driving situations that make you feel uncomfortable and help you bolster your confidence. A

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Van insurance is anything but cheap today. Expensive and often a stretch for van owners and businesses alike, premiums can cost a fortune, even after comparison via Powerseeker if you have points on your license, park your van in a notably bad postcode overnight or  have made a claim in the last year. But did you know that your expensive van insurance may just be invalid if you overcrowd your van?

Now, we all know that overloaded vans may not be covered by van insurance companies because they can be incredibly dangerous on the road but this also applies to overcrowding, or having too many people in there with you. Aside from the obvious potential for distractions, it ups the weight on board and compromises the safety of your passengers. A

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While most states operate their insurance policies based on the conventional fault-based auto insurance policies, there are other states that follow a no-fault auto insurance system. This coverage is also better known as PIP and it is being followed in states like New York, Michigan, Florida, Kansas, Minnesota, Massachusetts, Kentucky, Hawaii, New Jersey, Washington D.C., and Pennsylvania etc.

As per the no-fault coverage each policyholder can recover their financial losses from their respective insurance company regardless of who was at fault. This type of coverage was set up in order to remove the fault out of the liability and in order to cover medical costs from their own insurance providers.

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Auto insurance actuaries make generalizations about groups of people to help them determine auto insurance rates. Though it sounds surprisingly un-PC, your gender can generally predict driving behavior and, hence, how likely you are to be involved in an accident. And in spite of the stereotype of the ditzy female driver, you might be surprised to learn who pays more for car insurance. Ready?

Generally, males between the ages of 16-25 pay more for auto insurance than females the same age. It may seem like gender discrimination but there are good reasons why:

• Males typically drive more than females.

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Even a small annual savings on car insurance can pay off over several years. There are many savings tips out there, but here are five ways you can save on your car insurance rates that you may have overlooked.

1. Multi-policy discounts for renters

Look for an insurance company that will give you a multi-policy discount for carrying both your auto and renters insurance with them. Home owners can usually save money by combining auto and home insurance policies together, but some companies will also extend multi-policy discounts to tenants who carry their renters insurance.

2. Keep up with the changes in your life

Small changes in your life could result in a discount, or a reduction in your car insurance premium. Read more…

A report on crime from the Home Office was released yesterday that produced some alarming figures regarding burglary. The incidence of burglary has apparently risen in the UK in recent months… by a whopping 14%. Even worse, the figures are expected to rise further in the coming year, especially during the holidays and that includes the day of the Royal Wedding because many people are expected to be out. Imagine what this will do for your home insurance premiums!

However, the survey revealed that burglars are also being opportunist whilst people are at home because many people leave doors and windows open when distracted, such as being in the bath. A

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Ever driven down the road and heard the sickening sound of a rock flying into your windshield? Not a good thing to hear, huh?

It happens all the time, though. In fact, glass damage is one of the most common car insurance claims. But there’s good news, too. With Esurance, you can file glass claims online or through your smartphone. And it’s quick and easy.

Plus, when you file your claim online, you still have all the benefits of the Esurance glass-repair program:

• Lifetime warranty for as long as you own your car
• Windshield repair options (you don’t have to replace your windshield)
• Free mobile repair service
• No paperwork

We hope you’ll never hear the sound of your windshield being struck by a rock, but in case you do, we’re here for you.

Save a Windshield, Plant a Tree

In 2009, we partnered with Esurance to kick off Save a Windshield, Plant a Tree. Through t

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Did  you know that approximately £30 of your annual car insurance premium has been added to your overall costs as a result of the fact that there are uninsured drivers on the road? For once, insurance companies are not to blame for this but your fellow motorist (or at least some of them) is. With more than 3.3 million drivers being in an accident with an uninsured driver, which equates to 10% of all accidents, it is no wonder that cheap car insurance is in jeopardy as a direct result.

These figures come from a study by Brake, the road safety charity, so they have no bias whatsoever. As a result, the figures are even more disturbing that they would normally be. F

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