The Inside Scoop On Pet Insurance For Cats and Dogs

Most people are not prepared to shell out (most likely on their credit cards) over $1000.00 to a veterinarian for unforeseen veterinary care expenses. Every six seconds, a pet owner is faced with a vet bill for more than $1,000. Pet insurance is the protection you and your pet need. Did you know that the cost of veterinary care has more than doubled over the past 10 years? This is due in part to new and innovative pet treatments and therapies. By insuring your pet, you can have the assurance that if your pet ever gets sick or injured, your pets veterinary care will be provided for completely. Now that we know the basics its time to review some pet insurance plans, I have included in this list the best plans in the industry to fit a wide variety of needs.

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Healthy Paws
The next plan on our list is the top rated in the industry by customers on review sites and by veterinarians. This company provides coverage for dogs and cats, but not for exotics or any other animal. Plans vary, and coverage cost will vary between plan selected and age of your pet, from $15 to $90 a month. There are no payout limits with this company for individual accidents over the lifetime of your pets coverage, unlike many providers who place a cap on this. This plan has annual deductibles, not per incident so you can maximize the value of this plan. Pets can be covered from 8 weeks old to under 14 years old. This company makes the claims process easy, and customer service is top notch and friendly to deal with. As long as your pets condition is not a pre-existing condition from before you enrolled the pet, it will be covered, and you could pay as little as 10% of the vet bill. This plan features unlimited lifetime benefits, with no annual or per incident caps, however pre-existing conditions, preventative or routine care, and veterinary office visit fees are excluded from claims. Turn around time on claims is often hours, never weeks or months like some providers. Plans cover the following: Illnesses, Accidents, Hereditary Conditions, Congenital Conditions, Chronic Conditions, Cancer, Diagnostic Treatments, X-Rays, Blood Tests, Ultrasounds, Surgery, Hospitalization, Prescription Medications, Emergency Care, Specialty Care, and Alternative Treatments. If you enroll your cat or dog now, it will be allowed coverage when it reaches age 14 years and beyond, provided that no lapses occur in coverage, IE missed payments or cancelling the policy for any reason. A huge plus with this plan is that they will also pre-authorize very expensive treatments, on a case-by-case basis, with your veterinarian hospital to help reduce your upfront burden.

Trupanion

This is one of the highest rated pet insurance agencies. I rank this plan right under Healthy Paws. This plan features no payout limits, but they can be aggressive with what they consider a pre-existing condition, and you need to have all your pets medical records. They pay up to 90% of costs, but beware that the deductible is per issue, not annual, so if you choose a high deductible the plan could be nearly worthless for smaller visits to the vet. They do offer a zero dollar deductible plan however, but this of course costs more money. There is no dollar limits on the cost of care if your pet becomes sick or injured.

The Cons: Many customers have reviewed this plan and claim they are very aggressive on what they call a pre-exisiting condition. Reports abound of slow responses to claims, and increases yearly for premiums despite stating on there website that premiums do not increase due to a pets age or prior claims.

PetPlan
Our first plan is for those with older pets. This plan has no age limit cap like many plans. While you will pay a bit more for an older pet, your older senior pet will be covered. This plan provides for illnesses and injuries, hereditary and chronic conditions, veterinary exam fees, prescription medications, diagnostic treatments and imaging, cancer treatments, alternative therapies, dental treatments (non-routine), rehabilitation and referral plus specialist treatments. Plans above the basic can include additional expenses like boarding kennel care, death of your pet, coverage if your pet is lost or stolen and more. Pet plans website has a claim calculator to help you pick the plan best suited for your needs. Policy holders can get a free pet rescue alert plan that alerts fire fighters and first responders to help find your pet faster in the event of a fire or other disaster.

The cons: Some consumers report being given the run around when trying to remit claims to this company. Some pet owners were told they needed papers going back 2 years on their pet before any claim would be approved. Their deductibles are per occurrence as well, not annual like many providers of pet insurance are. Any veterinary specialist care was only covered to 80 %. Lots of hidden catches. Still this plan might be the only option for many with older senior citizen pets. You are better off choosing someone else.

These were the top rated pet plans on the market. Of the 3, I recommend Healthy paws, based on coverage and user reviews. There customer service is the best in the industry, and the turn around time on claims is the best as well. I myself used this pet insurance and have never had an issue with either claims, turn around time or dealing with the insurance company. Healthy Paws deducible is also annual, not per incident, so this plan has the most value for your money. Trupanion would be a close 2nd choice but lags far behind Healthy Paws. PetPlan is coming in third for my review based on customer service and the claims process, especially since the deductible is per incident and not annual.

Open Enrollment Begins But No Slowdown In Premium Increases On The Horizon

Health care experts for months have been making dire warnings that the Obama health care system would lead to much higher premiums for consumers nationwide. Today this is has come to pass, as on October 26th Federal officials admitted publicly that consumers are seeing noticeable increases to their health care premiums. These same officials stated that the price of the second lowest cost mid range plan, the “silver plan” has increased on average by 7.5% in 32 states across the nation. 60% of people enrolled in that plan will see an increase of roughly 6.3%, according to the Health and Human Services department. This exact data has not yet been revealed to the public, we have only the statements from the Health and Human Services department to go on at this time, but there is no reason for them to mislead the public about the rising costs of health care in the country.

Obama was able to push this law into effect by claiming that it would in fact drive down the costs of health care. Yet experience has shown the American public other wise, in fact for most Americans, there has been a steady increase in premiums and co-payments since this law has taken effect. This is just going to be fuel for republicans attempt to overturn this health care law.

Open enrollment for these plans begins on November 1st. The Obama administration of course is encouraging consumers to go online and enroll in a plan. This is being done in an attempt to get more consumers into the plans to see if this will impact the rising costs involved with the plans themselves. The theory is that if more people enroll, that it will drive down the costs of the plans for everyone overall, since at the moment healthy people are paying the way for indigent sick people. In order for Obama care to ever work as intended, young healthy people must sign up for these plans in record numbers. Yet most young people today balk at ever signing up for one of these plans, instead opting to take a gamble with the tax penalty levied on anyone who does not enroll.

Yet even with this information, the CEO of Health-insurance marketplaces, Kevin Counihan, stated that “For most consumers, premium increases for 2016 are in the single digits and they will be able to find plans for less than $100 a month,”. Yet most of the popular plans that people are used to, are seeing increases in the double-digits now and well into 2016. Premiums have been rising due to unforeseen costs, such as having to offer so much to the poorest people of the country, but also due to fact that no matter what your health history is, you cannot be denied coverage, no matter what pre-existing condition you may have, with very little room to adjust these peoples premiums. What has happened is the healthy are bankrolling the sicks health care, as medical professionals had predicted.

Deals can still be found, but you may find that the better coverage that you seek will cost more than it had in the past. Also despite President Obama’s assurance that people could keep their old doctors, many of these plans restrict you in that choice, also many doctors have dropped seeing patients who carry certain plans. If seeing your old doctor is a must, ask you doctor which plans they accept before open enrollment begins in November.

Homeowners Increasingly Shopping Coverage Every Year As Loyalty Diminishes

Many insurance institutions make it hard not to choose them to hold your policy when they offer new and exciting discounts. Of course, all of this looks appealing to the eyes of the homeowner. If you have recently purchased a home and are looking for insurance, chances are you’re going to try and take the cheap route out.

Homeowners all over the world need to insure their homes to make sure that when a disaster strikes, they will be covered. New clients will be discounted and then when it comes time to renew your policy, what then? How come you aren’t receiving the discounts that are now being offered to new clients? The insurance company will tell you that they’ve already applied a generous discount, and that is all that they can do unless you would like to re-negotiate terms. So from there you go online and try to find some cheaper plans. What if you found out that your insurance company was offering new members a $200 discount on premiums?

This is happening a lot nowadays with a lot of insurance companies. Homeowners are finding that many companies do not offer their loyal and current customers the same deals that the new customers are receiving. Shouldn’t your loyal customer base also be treated with discounted prices just as others? It has been found that most insurance companies are more focused on attracting new customers than they are keeping their existing customers. Almost all insurance companies follow a similar line of hooking the customers in to a cheap rate, and then relying on the fact that most don’t check to see if rates increase upon renewal. A lot of homeowners are beginning to realize this, and are not happy that all of the loyal and existing customers are treated this way.

Did you know that home insurance is the most unethically sold product in the country? There are many companies that have been found to completely inundate the bank accounts of their most loyal customers with extremely high premiums while chasing new customers.

Homeowners go through a very extensive process to find the right policy for them, and not everyone can afford a great plan. So when it comes time to renew and they find that their rates have skyrocketed, it can definitely put them off a bit. The problem will not stop by one bank deciding that it is time to stop ripping off their customers and do the right thing. Many private energy companies are now forced to write to their customers and inform them that there are cheaper deals around, why are insurers not forced to do the same thing?

If you find that it is time to renew your policy and are not satisfied with you’re the price, it might be a good idea to begin shopping around with different companies. This way, you can compare prices and see how your insurance company stacks up against them. If you find you can find a better deal, then it is in your best interest to go for it. Plus, most insurance companies value your business. If you find a quote that is cheaper than your current rate, you could ask them to match this price and in most cases it can be done.

Top 7 States With The Largest Increases For Rates In Home Insurance

Insurance is a frustrating thing to buy, yet it is a very important purchase. Basically, it is risk management. The client transfers the risk of a loss to an insurance company in exchange for premiums. Most people hope that they never have to actually use their insurance policies, but what exactly happens after you file a claim?

If you’re a homeowner who is filing a claim this year, brace yourself to see a large hike in rate cost. A recent industry study ame to the conclusion that on average, filing just one claim on your home insurance policy will result in a 9% increase to your annual premium. That means that means that if you file two claims, you can see an almost 20% hike in your premium. That is definitely higher than the 8% increase that was seen last year. In fact, this is true for about 37 of the 50 states. 37 States and Washington D.C. all increased by an average of 10% or more after one single claim.

There are many different reasons as to why home insurance rates can increase or decrease across the nation, including competition, exposure to different risks, and the likelihood of whether or not you will be making multiple claims in the future. Insurance companies can determine this by your credit-based insurance score. Insurance companies need to regulate and adjust the cost of the premium to match the increased risk.

Even though it can be quite frustrating to be in essence “punished” for using something that you rightly paid for, here are the seven worst states for homeowner’s filing insurance claims based on the premium increases over the past couple of years.
1) Wyoming
The increase after one claim is 31.6 percent, and the increase after two claims is 36.5 percent.
2) Connecticut
The increase after one claim is about 21.4 percent, and after two claims is 51.3 percent.
3) Arizona
The increase after one claim is 19.4, and after two claims is 33.7 percent.
4) New Mexico
The premium increase after one claim is 18.7, and after two is 29.6 percent.
5) California
The increase after one claim is 18 percent, and after two it is 24.9 percent.
6) Utah
The increase after one claim is 17.7 percent, and after two it is 30 percent.
7) Illinois

The increase in premium after one claim is 17.7 percent, and after two it is 32 percent.
If you live in these states, it is important to try and keep your risks low, therefore keeping the cost lower than what it would be if you filed multiple claims. Another important thing to remember about homeowner’s insurance is that it is there for you in the wake of a disaster, and it should not be treated as a home maintenance tool. You should only file a claim for a large loss, like a flood for example. If you have a broken window or broken fence you should handle that on your own and pay out of pocket, that way your premium won’t go up annually.

Finding Homeowners Insurance Discounts To Get Lower Rates

Many homeowners will take a discount where they can get it, especially when it comes to a discount in home insurance premiums each month. But, did you know that where you live in proximity to a fire station affect’s how much you pay for your insurance each month? Many people don’t.

Many people move out to the country to get some much needed space and fresh air, but because of this, you will probably pay more each year for insurance for your home. In Kansas, a local homeowner lives in a small town where there is one fire station. Unfortunately, this fire station is moving, which means his insurance cost will increase by $1,000. In April of 2014, the fire station in his town moved to a different town, pushing him out of the five mile radius for the insurance discount.

This fire station made the move for practical reasons of course. As the city limits of the town began to expand and more people began to move there, they wanted to accommodate this new population by moving the fire station closer to where the larger population was. For homeowner’s insurance, if you live within a five mile radius of a fire station, you may a lower price.

The man who lives in this small town says that currently, he pays about $1,000 a year for basic homeowner’s insurance. Because the fire station moved about 2 miles away from its original location, it changed him from being within a five mile radius to a seven mile radius, meaning that he won’t be covered. This means that yearly he will pay about $2,000 dollars worth in insurance premiums. Living by a fire station gives you a %50 savings of insurance, so the person who is paying $2,000 a year as a class 10 and they become a class 5 would pay about $1,000 a year for home owners insurance.

But, this doesn’t mean that this rule will stay official forever. Relief may be on the way, as officials with the fire department are looking to get approval to expand the area in which people will receive a discounted price. That means that homeowners, just like the man living in the small town, who live within a 5-7 mile radius of the fire station will get a bit of a break.

These changes could go into effect as early as next week if all goes as planned!

Covering Your Personal Contents With The Right HOI Policy

Most homeowner’s don’t think about this because they pay premiums each year, but what if your home was damaged or destroyed, do you think that you would get the amount that you’re actually insured for?

Many people believe that the answer to this is yes, but it isn’t as black and white as it would seem.
A prime example of this is a couple living in a home that got badly burned in December of last year. They lost everything. Their home and their contents were completely irreparable. A Christmas tree fire caused the whole home to go in flames, and it badly burned the husband to the point where he was in a morphine-induced coma for several weeks following.

While the woman’s husband was recuperating in the hospital, she began dealing with their insurance company to get the money that they deserved after losing all of their belongings. The couple paid their insurance premiums to the same company for over 30 years, and all they needed now was the payout.

The couple and the insurance company settled on a claim amount for the loss of the home, but are still disputing how much their contents are worth. Most homeowners would think that they should receive the amount that the insurance company says that they are covered for, but sadly this isn’t always the case.

This couple collected rare items from all over the world, and when the home was destroyed, these valuable items were destroyed with it. The husband stated that the items were insured for about $396,000 but the insurance company is only offering them a quarter of that amount.

Many people think that they are covered for the full amount on their policy, not realizing that certain items have dollar amount limits. It is very important to be insured for contents if you want to be reimbursed for them in the end, but every policy has limits for different items. A representative with a local insurance company states that each company may word things differently. For that reason, it is important to call your insurance agent and figure out just what you’ll receive in the event of a disaster.

Unfortunately, most people aren’t aware of discrepancies in their policies until it is too late. Home insurance is different than any other type of insurance. Unlike car insurance, the value of the home will appreciate rather than depreciate.

For example, if you started a policy years ago, it may not be accurate to all of the items you have collected over the years. If you do by chance make a claim and aren’t satisfied with what the insurance company is offering, there are a couple of places that you can go for help including your insurance company’s ombudsman or general insurance ombudservice.

Here are 12 questions that you should ask when talking to your insurance carrier:
What does my policy cover?
Is there a specific kind of insurance for the home that I live in?
Are there risks involved with my home for which I cannot purchase insurance?
Can I buy insurance for disasters like earthquake, sewer backup, or flood that isn’t included in my homeowner’s policy?
What could happen to my property if I don’t purchase further policies?
What are some items that might require further insurance?
What is my deductible? How does this affect the price of my home insurance?
Will I receive a discount?
What is the difference between replacement cost and actual cash value?
Is the business I run out of my home covered by my home insurance policy?
Should I make a claim for every single loss whether it is large or small?
What kind of liability coverage do I maintain? How much should I purchase?

FAQ On Insurance For Your Pets

It is not just humans that need insurance. Most people own pets, and as any pet owner knows, veterinary bills can be quite expensive. Did you know there are plenty of pet insurance plans? They act like humans health care plans, but for your pets. If you want to guard against potentially high vet bills should the unforeseen happen to your beloved pet(s), then pet insurance is what you need. Most vets require payment in full up front, should a serious accident, health condition or emergency happen to your pet, health insurance for your pet can mean the difference of your pet receiving the best medical care or not.

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Most pet insurances pay for up to 90% of veterinary bills, including preventive care, shots, deworming, illnesses, hereditary conditions, medications, congenital conditions, surgeries, alternative therapies and behavioral treatments, depending on the policy selected. Pet insurance much like human health insurance carries a deductible, which can range from $100.00 to $1000.00. While pet insurance is similar to humans health insurance, it is legally property insurance, and claims are paid after your pet has been treated and after you submit the claim to your pets insurance carrier. You pay your veterinary care provider in full, then you submit the claim to your pets insurance provider, and they will pay you, minus your deductible, some providers also pay off a benefit schedule. Some insurance plans allow you to file the claim the day of treatment and they will pay the veterinary care provider on your behalf.

Some polices will also cover you should the pet die, or if the pet is lost or stolen. Comprehensive coverage policies include preventative care, elective procedures and routine care coverage. Some polices will also cover medications, dental and alternative care treatments. Every provider is vastly different with what they provide, how they handle claims and their level of customer service. Much like human insurance policies, many pet insurance companies allow you to choose your own deductible, with a higher deductible lowering your pets monthly premium.

Pet insurance has two major forms, non-lifetime and lifetime. With non-lifetime insurance, a condition which has been treated and the insurance has paid the claim cannot be claimed any year there after, for example if your pet gets diagnosed with an ongoing medical condition, the insurance will pay for the first year of treatment and related expenses, but the following year and there after the pets owner must pay for care 100% out of pocket. Lifetime policies will continue to pay for a pets medical conditions year to year, even if it is a long term ongoing expense, however these plans almost always have limits in place as to how much the insurance provider will cover, and these limits will vary by provider. Most providers also limit coverage for any pre-existing conditions. The pre-existing conditions exclusion makes it beneficial to insure your pet early on when the pet is healthy and incurs less veterinary care, to avoid exclusions later in the pets life.

You need to read the fine print of any insurance policy you are considering for your pet to avoid unpleasant surprises in your time of need. Some providers for example exclude conditions such as heart defects, or certain congenital conditions and defects. Some policies have their deductible as an annual deductible, and some have it on a per visit / per treatment basis. Some include limits or caps per incident, year, or by age of the pet. Some policies consider anything a pet is treated for one year a pre-existing condition the next year and thus excluded. User reviews of any pet insurance policy will be extremely handy for you when choosing a policy, as you will hear directly from other pet owners and hear about any issues, concerns or negative experiences they had while dealing with that insurance provider.

Many people think pet insurance is to expensive. yet the costs of veterinary care is rising rapidly every year, especially as more treatments become available for animals, new drugs and health care methods also effect the price of health care for pets. Some plans are as low as $11.00 for emergency care for example, so pet insurance is indeed affordable for any pet owner. The money that can be saved should your beloved pet experience an accident or catastrophic illness can make up for the cost 30 fold, even the savings from routine care can add up. Some people think their pet is to old to get covered, but there are plans that will cover your pet regardless of age.

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What Insurance Carriers Are Rated Best For Home Insurance In Florida

The sheer number of disastrous natural weather events that occur in Florida annually has caused many insurance companies to not offer home insurance in the state. Currently, multiple small companies have bridged the gap, but many of the companies are new without discernible records to assess their performance. This is the primary problem in Florida. Recently, the state has instituted some online tools to assist in the hunt, but the lack of experience for many of the companies make it impossible to completely be sure of their services. The available insurance is sometimes government subsidized in various forms, but the companies run the gamut.

Florida Peninsula Insurance was established in 2005. It serves a small fraction of the total Florida insurance buying population, but it is rated as a top performing insurance company. Because they are small, they are able to focus much better than larger companies. They also offer a lot of information. This may seem a given, but the heavy proliferation of small companies makes seeking pertinent information a hard task. Their standard coverage protects dwellings and other insurable structures like pools, as well as, personal property and loss of use coverage. Florida Peninsula does have a discount program. In markets like Florida, insurance companies do not have to incentive their products because without major companies, there is a high demand for coverage.

Citizens Property insurance is a not for profit company.
This means that the corporation has a tax exempt status. They cover most domestic dwellings, as well as, business entities. In addition, Citizens Property covers sinkhole damage. Sinkholes are a problem that is common to Florida because Florida’s bedrock is made of limestone in many places. They offer discounts, but it is contingent upon the homeowner mitigating certain damage with home upgrades that comply with the storm related building codes of Florida. Using market share as a matrix, Citizens Property is considered the largest firm in Florida.

Universal Property and Casualty focuses solely on homeowners insurance.
They also have the standard coverage, but they do offer a personal liability policy. Universal does not offer discounts in any form, but they keep premiums low by not having a heavy proliferation of various other types of insurance policies. They cover fire, home and personal property. Universal offers online claims, as well as, an online claim center that can also assist by phone and fax. Universal Property services customers of Citizens Property who do not want to be involved with a government assisted insurance company. However, because they are smaller, they do offer a faster attention to claims.

Tips For Getting Your Water Damage Insurance Claimed Handled Smoothly

Dealing with water damage in your home is stressful enough, so why should the claims process add more stress and frustration to your life? It doesn’t have to! In this article we will provide you with some helpful tips that can make the claims process go smoothly and hassle free for you!

The first thing is that water damage and flooding are two very different things, so don’t just assume that your home is flooded, or has undergone a flood. Now, most insurance companies understand that when a pipe in your home bursts and causes water damage that it isn’t the same thing as a river overflowing and submerging your whole estate in sewage water. However, no standard homeowner insurance policy will cover floods, so if you call and have water damage, make sure that you don’t use the word flood when describing the damage that was done to your property. Even if your insurance company does come to its senses and realizes that this was in fact water damage, not flood damage, you may not be reimbursed until months after the initial water damage, and it will leave you to take care of the bills that should have already been taken care of in the first place. When you talk to your insurance agent, it is all about verbiage.

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image source, firewaterstormpros.com

Next, be careful what you begin to clean up. This directly correlates with the tip above. If its blatantly obvious that the water damage on your property was caused by storm damage, or an accident, leave it in the state that you found it in if possible. You’ll have to balance this with the need to mitigate the loss by preventing further damage, but you mustn’t create a situation where what caused the damage is your word against the insurance adjusters. If you have to possibly move something in order to repair it, take a photo as proof.

Now that almost everyone and their mother have a smart phone, taking photos of the damage is easier than ever. You should document the damage carefully, as well the efforts you have put in to reduce the damage and the loss. It is not unlikely that the insurance adjuster will take many pictures as well, and the combination of your photos and the adjusters will help get your claim approved. And even better, if your after photos can be compared to your before photos, it will definitely give you an upper hand and strengthen your argument if there is a dispute over how much something had been damaged or what shape it was in before the water damage incident.

Now, if the water damage on your property was caused by someone else, you will want to have complete information on them (contact information, name, insurance company, policy number, and contractor license number. An example of this could be anything from your upstairs neighbor having a burst pipe or your brand new water heater completely blew. You should also get the license number and if you can, also the VIN number and insurance information if a vehicle caused the water flow or was damaged by it. If any others caused the water damage, their insurance will obviously be responsible for paying for the damages, so you may get the deductible back from your carrier.

Lastly, you should know what to expect if you have to go somewhere other than your residence for temporary housing. You should know what to expect in advance of a disaster, just so you know what will happen during a disaster. You will need to find out what your insurance company will pay for temporary housing (hotel, motel, etc.) and food costs if you have to leave your home while a property damage restoration company does the work. Often, this loss of use compensation will be about 20% of your overall coverage, but you should always be sure to keep a firm number from your carrier. You should also keep detailed records of what you spend from when you evacuate all the way until you return to your home.

If you follow these tips, it will make the claim check at your insurance company bigger, and it will definitely aid you in undergoing a stress free claims and restoration process.

The Cost of Having Points in Your Driving Record

It is bad enough that car insurance costs a lot. With a bad driving record, auto insurance will cost even more and insurance companies may even deny or drop your insurance application altogether. Keeping a clean slate for your driving record is a must in order to avoid high insurance rates. But if you were unfortunate enough to have tarnished your record and has been once an inattentive driver, how long would your insurance fate numbered by points on your driving record be?

Earning Points for Traffic Violations

Traffic violations that are being given points are called moving violations. These are violations made when doing something illegal or dangerous while you are driving a car. The severity of the violation is the criteria for the number of points you get. This means that the points that you earned will spell out how terrible a driver you are and how bad a potential client you will be for any insurance company.
The worth of points for each violation varies on different states as they use different formula in computing them. They also differ on counting how much points it would take to have your license suspended in a particular state.

How Long Will Points Stay on Your Record?

Assuming that you are eyeing up a new policy, previous violations may be bugging your thoughts and you are worried about your points. Insurance companies check approximately three years’ worth of records. Most states keep point records for three years so it is safe to say that you need to apply for car insurance three years after an unfortunate road violation.

Be aware, though, that insurance companies also look for minor violations you have committed in the past. This means that even though you have only a few points for the severe violations, minor tickets will still count when they compute for a policy.

The Importance of Keeping a Few Points on Your Driving Record

More than avoiding having your license suspended, a few points on your record will guarantee give you the best rates for auto insurance. It is a standard procedure to have your driving record checked once you apply for car insurance. Even when you are just renewing your policy, insurance agencies may still be digging up the records and evaluate your eligibility for auto insurance.

What Can You Do to Keep a Clean Slate?

Maintaining a clean driving record is possible with a few smart moves. Aside from being a responsible driver, it is recommended to have an update with new traffic rules if there are any. You can also take seminars about defensive driving or enrolling yourself to a traffic- safety course. There are states (Florida, DC, Virginia) that take points off your record if you can complete state- approved driving courses. Insurance companies might consider giving credit for changing into a better driver rather than basing their calculations on the accumulated points in your record. But, to be safe, wait until your points are dropped off before asking for insurance quotes. Knowing when it is best to apply for an auto insurance makes a big difference on how much you will pay for it.