Posts Tagged ‘icy roads’

Louisiana Auto Insurance Rates Among Highest in United States

Thursday, April 22nd, 2010

According to a recent survey, Louisiana continue to pay  the nation’s highest rates for car insurance. recently graphed the findings of the most expensive states to the least expensive states to insure an automobile.

Rank State Avg. Premium

















South Dakota



Washington, D.C.











Source:, from a study commissioned by from Quadrant Information Services

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Free Auto Insurance Quotes

As you see, Louisiana ranked 1st among all states for the most expensive car insurance. So the question I have is why are automobile insurance rates so high in Louisiana?

To answer the above question, I discussed this with a friend (who will remain nameless since he occasionally cavorts with this personal injury attorney) who works in the automobile insurance field. Together, we identified (not scientifically of course) reasons why automobile insurance rates are so high in Louisiana. We identified the following as some of the predominant reasons automobile insurance rates are so high Louisiana:

  1. 1. High Number of Uninsured.
  2. 2. Low Incomes Resulting in Low Credit Scores.
  3. 3. Weather Related Losses (Hail and Storm Damage)
  4. 4. A Lot of Youth Drivers Having Their Own Cars.

Believe it or not your credit scores also play a role in your premiums. According to your insurance company probably sees a correlation between your credit history and insurance premium.

Many home and auto insurance companies use your credit information, filtered through a formula to create an “insurance risk score,” to determine how likely you are to file an insurance claim. Your premium bill could rise if you have a bad credit score, even if you haven’t filed a claim.

According to the Insurance Information Institute (III), insurance companies use these risk scores to help differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim, according to III.

Compare Louisiana Auto Insurance Quotes

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Today’s Insurance Safety Tips – Cold Weather

Thursday, January 21st, 2010

It’s that time of the year again.  The chill creeps into you bones.  They also creep into the bones of you home and car.  Make sure to take some preventive measure to make sure you home and vehicle are in tip top shape.

You Home.  Make sure to turn off all water going to outside faucets as they may burst due to the cold.   If you have any pipes in outside soffits that you can get to make sure they are insulated.  Make sure outside gutters are clean.  In winter run off water can collect and freeze and if gutters are clogged it may cause water damage to roof and beams adjacent to the gutters and downspouts.

Car Maintenance.  Make sure your tire pressure is set correctly.  This helps with tire traction during cold weather.  Change your windshield washer fluid to a de-icer fluid during the winter.  This way it won’t freeze and you can use it to clear morning frost from your windshield.  Do a radiator flush changing your antifreeze this will help your car run better in cold weather.  Other things to consider is to keep a warm blank and some packaged food/snacks in the car in case you break down and need to stay the night.

As always if you are looking to save money on your insurance.  Take a look at Auto Insurance Quotes and Homeowners Insurance Quotes to compare rates from multiple companies by completing one simply form.

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Useful Idaho Auto Insurance and Vehicle Registration Facts

Wednesday, January 13th, 2010

Idaho Liability Insurance Requirements for Private Passenger Vehicles

Idaho Auto Insurance Liability Minimum:

* $25,000 for injury/death for one person.

* $50,000 for injury/death to more than one person

* $15,000 for damage to property.

NOTE: Operators of off-road all-terrain vehicles (ATVs) and motorbikes must comply with financial responsibility requirements when riding on public roads.

Financial Responsibility And Proof of Auto Insurance

Upon registering your vehicle you’ll be asked to sign a statement confirming your auto is insured. Idaho requires you to carry proof of insurance whenever driving your automobile. To comply with this you must have:

* An insurance identification card provided by your carrier.

* Proof of an indemnity bond provided either by your broker or the DMV.

Idaho first time registration

There are several reasons you may need to register your vehicle for a first time, including:

* Established Idaho residency

* Purchased a used car from a private party

* Transferred ownership to you via gift, family or inheritance

Upon buying a auto within state lines, you have 30 days to register it. There is a $20 late fee if this time period is exceeded. If you are transferring a vehicle from another state, the 30-day clock begins the day you bring it into Idaho.

If you just became a resident of Idaho, you have 90 days to register with Idaho’s Division of Motor Vehicles (DMV).

NOTE: Before registering, you must first title your vehicle.

Idaho Vehicle Registration Renewal

This service is currently available for registrants in the following counties:
Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Camas, Canyon, Caribou, Cassia, Custer, Elmore, Fremont, Gem, Gooding, Idaho, Jerome, Kootenai, Latah, Madison, Minidoka, Oneida, Owyhee, Payette, Shoshone, Twin Falls, Valley and Washington County

Commercial vehicles need to Use the Full Fee Vehicle Registration Renewal.

The following plate types can not currently be renewed online in Idaho: Boats, Classic, Dealer, Exempt, Legislative, Loaner, Off-Road, Old Timer, Repossession, Snowmobiles and Transporter.

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Auto Insurance Checks and Preventative Maintenance for Winter

Monday, December 21st, 2009

As the winter begins, bringing along with it snowy rooftops, season greetings, icy road corners and accidents. To protect yourself and your family, be sure that your car insurance policy covers you in the event of a weather-related accident. Unfortunately, this coverage is something that a lot of drivers don’t think about until they’ve had a collision with another car, tree or guard rail while driving in the elements. Do you have the weather-related car insurance coverage that you need?

Are you Covered?

Take the time to read over your care insurance policy and verify that your company offers protection in the case of accidents caused by icy roads, snowy corners or other winter hazards. Do you have roadside assistance of towing as part of your car insurance policy? Adding these features to your auto insurance are cost-effective ways to ensure that you’ll get help in the case of an emergency.

Adding comprehensive car insurance to your auto insurance policy will cover you in case of damage caused by a non-collision related incident, including falling objects, catastrophic storms and severe weather. Compare your comprehensive auto insurance quotes here.

Hate Getting into a Cold Car?

It can be tempting to avoid sitting in your cold car as you warm you engine before leaving the house, but turning your car on and then going back to putting your coffee in your travel mug gives potential thieves the time they need to take your car. Your car insurance premiums will hit the roof if your car is stolen, especially if your car insurance company finds that you left the keys in the ignition. In lieu of warming your car while you get ready indoors, put on another layer and sip your coffee in the car while it warms.

Check it Twice

Before the really bad weather sets in, give your car a checkup – new tires and windshield wipers, freeze-resistant wiper fluid and an oil change can get your car in the best possible shape so you can face winter driving with confidence.

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Jack Frost Nipping’ at Your Home? Why You Need Homeowners’ Insurance Against the Winter Weather.

Thursday, December 10th, 2009

As many of us in the northern parts of the U.S. find ourselves in the grips of increasingly colder weather, the familiar worries return to torment homeowners as they consider the possible effect of the soon-to-be-freezing temperatures and change in precipitation that comes along with the season. The best way to avoid losing sleep over concerns about your home is to be sure that your homeowner’s insurance policy includes coverage for the potential damage winter can wreak on your home.

When you check your home owner’s insurance information, you need to be sure that it allots for the following problems that can be directly brought on by the winter chill:

  • Windstorm or hail: With nor’easters driving up the coast throughout the winter bringing along high-level winds and excessive precipitation, threats of downed wires, branches and trees are regular worries.
  • Damage Caused by a Vehicle: Icy roads, slushy corners and drivers that aren’t cautious as they should be of the road conditions can mean problems for anyone living in a trafficked area.
  • Weight of Ice, Sleet or Snow: Looking out the window, the icicles and snow elegantly draped over the trees, rooftops and power lines can be truly beautiful but also a very real threat to your home.
  • Freezing of Household Systems or Appliance: Burst water pipes, or worse appliances that won’t work due to excessive cold can be a concern in many homes.

When researching home owners insurance quotes, be sure to think about the effects winter has on your home. If your current policy doesn’t cover all of the above, or you feel you need to improve your homeowner’s insurance policy, check out for free and easy-to-use home owners insurance quotes matching for your home.

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