Automotive Car Insurance Help – Answers to Commonly Asked Auto Insurance Questions

When asked to write an article about automotive car insurance I was not quite sure how to fit in all of the information the average consumer would need. The average insurance policy is written in such dense language that many people walk out of the auto insurance agency without any idea of what they have just purchased. With that in mind I will answer a few of the most common questions people have about their policies.

The first thing I have found is that many people are not aware of what their car insurance limits are. Quite simply these are the limits the auto insurance will pay out on a per accident basis. They are typically written like this; 50/100/50. This means the company will pay our $50,000 to one person injured in an accident, $100,000 to all people injured in an accident, and $50,000 in damages to someone else’s property per accident. Any costs that exceed your coverage limit will likely be your responsibility.

The next thing that I am often asked is just how the rates are set. This is a bit tricky because different states have different regulations regarding insurance rates. In most cases the insurance companies set their rates based on several decades worth of auto accident reports. They then figure out if you are statistically likely to be in accident or not and give you a quote based on this information.

The quote is will not be the same from every insurance carrier and this is because they all use different statistical formulas to assign risk. So if one company figures you to be a higher risk than another their quote will be the higher priced of the two. This is why comparison shopping for auto insurance will save you money. The more quotes you request the more likely it is you will get on from a company that feels you are at a lower risk to be an accident.

Automotive car insurance can be tricky, but remember; if you are a savvy consumer who asks all the right questions before a purchase then you will be far likelier to get he best rate that you currently qualify for.

I Want to Start an Automotive Car Detailing Company

see that you are considering starting an automotive car detailing company and that is a good choice because there are over 250 million cars in the United States of America in each year automakers sell another 17 million cars throughout our country. Let’s face it we are a car nation and therefore it makes sense if you’re going to start a small business of you’re own or a home based business you will want to start a company where you could have lots of customers.

Since everyone owns a car it makes sense to start in automotive car detailing company. But you need to consider a strategy of which type of customers you’re going to go after and how best to market to those customers. Often we see new automotive car detailing companies buying expensive phonebook ads and this is unfortunate because your best customers always come from referrals or friends of friends.

It takes a while to get the hang of car detailing because each car is a little different, but eventually you can become a master of the trade. There are two types of main customers in auto car detailing; there is the wholesale detail customer like car lots and auto dealerships and there is the customer who is a private party who owns a very expensive car and wants to keep it in pristine shape.

The going rate for wholesale auto detailing for car dealerships is between 50 and $75. But the average going rate for detailing for private parties can be his high as $100 to $200. Now you can see why so many people want to get into the automotive car detailing business and start a business in automotive car detailing of their own.

But I must warn you it is not easy work and if you do not do good job then you will not have the referrals you need to make a lot of money in the future. Every business is a risk and this is something you should consider in 2006.