How to Hack Your VIN Number

How to Hack Your VIN Number

Auto Insurance Questions
A VIN is a vehicle identification number which is a unique number assigned to every single car. In most cars over 1980, the vin number is 17 digits long and contains both numbers and letters. You can usually find your vin number on the dashboard of your car near the front of your windshield on the driver's side, your car's engine block or more easily found on your vehicle's ownership documents or insurance slip. Take a moment to find your car's vin number and write it down or take a picture of it. What Does a VIN Number Mean? Each character of your vin number provides key information about your vehicle. We can decode your vin number as follows. The first character of your vin number will tell you where…
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Which are the Safest Luxury Cars?

Which are the Safest Luxury Cars?

Auto Insurance Questions
In the market for a luxury car? Interested to know which one is the safest? You're in luck. The Insurance Institute for Highway Safety (IIHS) has released their latest study on the safety of luxury cars, in which 11 models were tested. The study involved testing luxury vehicles travelling at 40 mph hitting either another car in the stationary position or a another solid object such as a street pole. Researchers wanted to see how safe it would be for occupants involved in a collision in which 25% of the front end was damaged. The luxury vehicles which received the highest ratings were: Volvo S60 Infiniti G Acura TL The cars that received satisfactory ratings were: Lincoln MKZ Volkswagen CC Acura TSX BMW 3 Series And the luxury automobiles that…
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Do Red or Black Cars Cost More to Insure?

Do Red or Black Cars Cost More to Insure?

Auto Insurance Questions
One of the biggest urban myths about car insurance is that your premiums go up (or down) based on the color of the car you have. Many car buyers have turned away from buying red cars or black cars, because they believed that it would increase their car insurance. Well today is the day we put that myth to an end. The fact is insurance companies cannot rate you based on the color of your car. While studies have shown their is a correlation between red cars and people who drive fast, it isn't necessarily a cause. Remember that saying, "Don't confuse correlation with causation". Well, actuaries, the people that do the statistical analysis for insurance company, don't. And that's a good thing for people that own red cars!
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Would You Want Graffiti on Your Car?

Would You Want Graffiti on Your Car?

Auto Insurance Questions
What if I told you people are paying to have graffiti on their car? Still don't believe it? Check out this 1999 Ford Mustang that was customized by artist Chris Dunlop. And yes the owner paid him to do this to his car. And what did Dunlop use to create this masterpiece? Synthetic bristle paint brushes? No. A fine pen? No. A robot? No. A black sharpie? Yes. That's right he just used a black sharpie marker to create these intricate designs. How does the marker stay? After he's completed the design which can take days. He finishes the design of with a clear coat which keeps protected for a few years. Here's Chris Dunlop at work.
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Do I have to report a speeding ticket to my insurance company?

Auto Insurance Questions
So you we're driving too fast and the police have written you up. You either decided to fight it in court or not and will accept the fine. After paying your ticket (which I like to see as charitable contribution to the state), you suddenly realize "Oh my god will my insurance company jack up my rates?". You also wonder if you should inform your insurance company about the speeding ticket. To answer this we have to see if you fall under two scenarios. Scenario #1 You already have car insurance and you've been convicted of speeding. In this case you do not have to tell your insurance company about the ticket. Why? Because they will find out on their own. How you may ask? Every year or two, insurers…
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How Come My Insurance Went Up After No-Fault Accident?

Auto Insurance Questions
You're involved in an accident and are told by your claims adjuster that you are not at-fault and you jump up and down singing "Glory Hallelujah" that is until you receive your annual renewal and notice your insurance went up. You feel your neck tighten, your blood pressure increase, you're rearing to yell at somebody, maybe even hurt someone. However you need to relax, take a deep breath, maybe even take a chill pill because you are likely attributing this rate increase to your not at-fault accident. I'm here to tell you, depending on which state you live in, this is likely not the case. Your car insurance went up for a totally different reason and here's why. A Pool of Risk The more likely reason your car insurance went…
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What are the Safest Family Cars in America? 2012 Edition

Auto Insurance Questions
Every year the Insurance Institute For Highway Safety completes rigorous testing on the vehicles we drive everyday. They do things such as test what would happen to a vehicle's occupants in a front crash, side crash, rear crash and even if the car rolled over. They obviously don't use real people, but use crash test dummies that represent the height and weight of the average American male and female. With the help of our stellar graphics department we've put together an info-graphic that may help you choose what we dub The Safest Cars in America. How can I use this? If you are in the market for a new car, simply print this out or open it up on your smart phone (click here) and take it along with you…
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Should Cell Phones Be Banned While Driving?

Auto Insurance Questions
Currently, each state has different laws regarding the use of cell phones while driving. All states that ban mobile use while driving, allow driver's to use either their speaker phone or a hands free device. However, this may change as the National Transportation Safety Board (NTSB) is advocating a complete ban of cell phone use while driving. While the NTSB is just an advocacy group they are a very powerful one that could have their way. On the other side of the debate is the Insurance Institute for Highway Safety (IIHS) who argue that this would be archaic and may have the unintended consequence of increasing accidents rather than preventing them. The IIHS released a report last year stating, Drivers might have responded to the laws prohibiting texting by moving…
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Will My Auto Insurance Go Up If I’m Suing My Insurance Company?

Auto Insurance Questions
Here's an interesting question we recently received where a customer is suing their insurance company and wants to know if their insurance premiums will go up as a result. The answer is not as straight forward as one may think but to answer it simply "no". Additionally, if you believe your insurance company is out to get you back for suing them than you should probably contact your state's financial regulatory board to have them look into the matter further. However, it is highly unlikely as the good people in the auto insurance department of your insurance company have very little interaction with the people from the legal department, not to mention it would be extremely unethical and result in all kinds of bad press for them to raise your…
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What’s the Best Auto Insurance Company for Speeding Ticket?

Auto Insurance Questions
The short answer is, there is none. The long is answer is it depends on how many speeding tickets you have within the last three years. Not only that but the cost of your auto insurance will depend on where you live, how old you are, how many years licensed you are -just to name a few things that go into determining your rate. The best way to figure out which auto insurance company is best for someone with speeding tickets is to compare rates. *Shamless plug warning* You can compare rates free and quickly on this site. We'll look at how many speeding tickets you have and show you rates from multiple insurance companies within your area.
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