Below are the 3 most recent journal entries recorded in cheapcarinsure1's InsaneJournal:

Saturday, April 2nd, 2011
8:49 am	Pros and Cons of Self-Bonding for Texas Car Insurance If you have registered and operating a vehicle in the state of Texas, it is a must that you carry car insurance. Effective last January 1, 2011, the Texas Department of Insurance increased their minimum requirement from 25/50/25 to 30/60/25 liability coverage. This means that you need to have bodily injury liability of $30 000 per person and $ 60 000 per accident. The property damage liability still remains the same with $25 000. Apart from buying Texas car insurance. from an insurance provider, you can also do self-insurance or self-bond. Self-insurance simply means setting aside a specific amount of money in cases of difficult situations like car accident that could arise in the future. This method has a lot of advantages as well. You don’t need to think about scheduled payments, or worry on increase in insurance premium and even, renewing and canceling of policy. The best part of self-insuring is that you only need the money when an accident or car theft happens. In fact, there are even instances where you don’t need to spend the money at all. A lot of people may prefer self-insurance as this is the only way to have car insurance in Texas. People who don’t meet the requirements such as poor driving record, incurred traffic violations or flawed credit history are just a few factors making them uninsurable. But, as time goes, when their credit and driving records will improve, they can then buy auto insurance policy from a provider. These insurance companies also provide other types of insurance that includes glass breakage, death indemnity or car rental. Although a few of them offer affordable rates, others tend to lean on the expensive side. Keep in mind that your auto insurance should never break your wallet. Look for reputable websites that can provide you with a detailed statement about auto insurance policies in Texas. Even if you may not require insurance for the rest of your life, it is still safe and secure to have emergency backup. (Comment on this)
8:46 am	Get To Know Different Florida Car Insurance Laws and Requirements Are you searching for car insurance in Florida? Do you drive safely? The best part is, a lot of companies offer enticing auto insurance quote for good drivers. But how do these companies know you are a good driver? Majority of the companies base their computation by getting information on every driver in Florida and save the information on their computer. In this way, the information they got helps them compute rates for low-risk, medium-risk and high-risk drivers. This categorization helps insurance consumers determine the estimated amount of premiums that you’ll pay on your car. If you are residing and operating a vehicle in the state of Florida, you need to constantly carry the proof of insurance in your car. In case you can’t present this document, you need to pay hefty charges. In Florida, auto liability is mandatory. It is part of every car owner/driver. If you are caught having no Florida car insurance, then you can be charge with heavy penalty fees and in some cases, take you car away. You can also get caught especially when renewing your plate number or getting a license number for a new car. Thus, always carry your car insurance wherever you go to ensure you are protected. The state of Florida has two governing laws instated for auto liability requirement: No-Fault Law and the Florida Financial Responsibility Law. Every motorist should fully understand these requirements. Under Florida Financial Responsibility Law, every motorist is required to carry property damage liability of $10 000, Bodily injury liability per injured person of $10,000 and Bodily injury liability per accident of $20,000. Under the No-Fault Law, motorist should also carry Personal injury protection (PIP) of $ 10,000 and Property damage liability of $ 10,000. These laws protect drivers in situation like traffic accident in which there are parties injured, getting caught driving under the influence, revoked license, suspended driver’s license or for frequent offended so license is revoked. (Comment on this)
8:42 am	How to avoid Illegitimate Car Insurance Companies With the introduction of countless online car insurance companies, there is a good chance that there are some fake or illegitimate sites out there pretending to be offering car insurance. This is true not only with car insurance companies but as well as with other industries. But it does not mean that you should automatically dump the idea of buying car insurance online. There are many California car insurance companies who conduct business in a legitimate and honest way. You should not get discouraged just because there are a few who chose to be fraud. Instead, be wise about it. Believe it or not, there are ways to spot illegitimate car insurance companies. If spend a lot of time on the internet, you can easily spot a fake website. But if you are not experience in doing your business online, you can compare the website in question to the website of a known reputable car insurance company. Look for security features like the trusted internet security symbol of approval. Check for contact numbers and contact persons if any. It is much better if they do have a physical location or an address. Read the website carefully and see if the website contains relevant information about car insurance. You may ask why are there fake car insurance companies and how do they benefit from cheating people. There are many reasons behind this and the most common is harvesting personal information from you and your family like names and address. Another obvious reason is to make quick money, especially if you give them your credit information. There’s an endless possibilities on how others can use and abuse your credit information. The internet offers many opportunities for you to save on car insurance and even get a good package but you need to be aware when someone is trying to cheat you for money and information. (Comment on this)