Basic Statistics on Car Insurance in the United States
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Did you know that on a November 2008 report from the National Association of Insurance Commissioners, or in short the NAIC, that in the year 2006, the average cost of automobile insurance declined by 1.7 percent. And in this report the National Association of Insurance Commissioners mentioned the top five states where there is the highest average expenditures are the following: first the District of Columbia with the average expenditure of $1,164, next is New Jersey with $1,152, followed by Louisiana with $1,094, New York with $1,083 and fifth is the state of Florida with $1,069. And the average expenditure for auto insurance in the entire country of the United States of America from the tear 1997 to year 2006 are the following: year 1999’s average expenditure was $705, 1998’s was $703, 1999’s was $685, 2000’s was $690, 2001’s was $726, 2002’s was $786, 2003’s was $830, 2004’s was $842, 2005’s was $831 and for year 2006’s average expenditure was $817.
Here are the top ten states with the most expensive and the least expensive auto insurance in the year 2006. For the top ten states with the most expensive car insurance are as follow: first state with the most expensive car insurance is the District of Columbia, second is the state of New Jersey, followed by Louisiana, New York, Florida, Massachusetts, Rhode Island, Delaware, Nevada and the tenth state with the most expensive car insurance is the state of Connecticut. And for the top ten states with the least expensive car insurance are the following states: the state with the least expensive or cheapest car insurance is in the state of North Dakota, second cheapest car insurance is in the state of Iowa, followed by state of South Dakota, Idaho, Kansas, Nebraska, Wisconsin, North Carolina, Indiana, and on the tenth state with the cheapest car insurance is in the state of Maine.
And for the year 2007, here are the top five cities in the United States with the most expensive and least expensive auto insurance. For the top five cities in the United States with the most expensive car insurance are the following: first is in the city of Detroit(MI) with the average annual premium of $5,072, second is in the city of Philadelphia(PA) with $3,779, followed by Newark(NJ) with $3,381, Los Angeles(CA) with $3,072 and at fifth is in the city of Hempstead(NY) with the average annual premium of $2,764. While for the top five cities with the least expensive car insurance are the following: the city with the least expensive or cheapest car insurance is the city of Eau Claire(WI) with an average annual premium of $869, second is the city of Norfolk(VA) with $954, followed by Raleigh(NC) with $966, Bismarck(ND) with $989, and on fifth for the cheapest car insurance is in the city of Burlington(VT) with an average annual premium of $1,001.
Autoquotenow.com provide motorist that are interested in having auto insurance some statistical information’s on the states and cities that has car insurance companies that offer the cheapest car insurance premiums.
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Auto Insurance | Comment (0)Auto Insurance FAQs Every Driver Needs To Know
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When it comes to car insurance there are some pretty basic auto insurance FAQs that every driver needs to be aware of. Knowing just a few simple things means that they will have an easier time shopping for coverage, but you will also be able to quickly and accurately file a claim.
Personal liability coverage is the cheapest type of insurance policy. While this type of coverage is the most affordable, it usually is not a good match for many people. If you have personal liability coverage and get into an accident, your damages will not be covered. The only time personal liability coverage is a good idea is if you are driving a car that is not worth much money.
Companies that offer a great deal on auto rates are not always the best bet. Most of the time the company fails to mention that if you get in an accident, they will tack several surcharges when you file a claim. If a policy seems like a really good deal, do a little more digging and ask lots of questions about surcharges.
The better your driving record is, the less you are going to be charged for a policy. Simple things like not driving when the roads are bad, obeying speed limits, and using common sense when driving can have a huge impact on the price of your auto plan. If you do get a speeding ticket, you can expect the cost of your insurance to increase dramatically.
If you can afford to pay for six months of policy coverage at a time, you should. When you make monthly payments, the company is going to also charge you additional filing fees. The more you can afford to pay at a time, the fewer fees you will be charge and the more money you will save in the long run.
If you do get into an accident and have to file a claim, it is very important that you keep track of all your paperwork. Keep copies of everything and make sure that they are properly filed. In addition to making sure that you keep copies of your own paperwork, you should also have a copy of the police report and the other drivers coverage information.
The most important of all the auto insurance FAQs is that every car needs to be insured. Whenever you get pulled over one of the first thing the officer is going to ask for is your proof that you are insured. If you are unable to produce a current proof of coverage, you will be getting a very heft ticket and in some instances your car will be impounded.
Get the low down on auto insurance FAQs every driver needs to ask now in our complete guide to car ins nonrenewals.
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