10 Auto Insurance Myths You Should Know About

The truth about fallacies of many car owners believing that the Auto Insurance premium coverage for their new car is covered, and maybe the truth just might make you change course. (1) “No-fault insurance means, is it not my fault?” That means that your insurance company pays for your damages regardless of who’s at fault. No they don’t!

(2) “Can the color of my car affect my insurance rate?” No! What do influence your rate are your vehicle’s year, make, model, body type, engine size, credit history and driving record.

(3)”If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?” Wrong!

Your car is your responsibility! And guess what, even though you weren’t present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.

(4) “Is my insurance rate is set by the government?” No! The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.

(5) “I recently paid my insurance premium. Is my new car I just purchased is covered?”

Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.

(6) “Is it a fact that male driver under the age of 25 pay more for auto insurance?” Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.

(7) “Can my credit score have any affect on my insurance rate?” Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.

(8) “Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?” Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.

(9) “Can my personal auto insurance cover both my personal and business use of my car?”

If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.

(10) “I’ve never had nor been involved in a car accident, do I still need automobile insurance?” Yes!

Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It’s also a legal issue – you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

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Cheap Weekend Getaways

Weekend getaways do not have to be pricey, complete with fancy hotel rooms and expensive restaurants. Instead, the next time you consider scheduling a romantic weekend away from home, think about spending those two days hiking in the mountain paradise that is McCurtain County, in Southeastern Oklahoma.
Miles and miles of breathtaking trails await you in the region, with paths for both novice hikers looking for an easy stroll and for those who are more experienced, avid trekkers wanting a more challenging hike. Beavers Bend Resort Park is a great choice for the budget-minded hiker, because it includes Beavers Bend State Park, which offers free admission.
Whichever trail you choose, you and your honey will be surrounded by nature’s best. The Ouachita Mountains, which unlike most mountain ranges run east to west, offer stunning views and glimpses of wildlife along the way.
The park contains seven trails:
South Park Trail
This one-mile route is for the take-it-easy hiker. For the most part, South Park Trail is level and flat, but still offers an opportunity to see Bald eagles flying overhead and other wildlife along the way.
The Junction with South Park Trail
Also one mile long, this trail is another one the novice hiker or those who want to get back to nature, but only for a little while. Like the South Park Trail, it is relatively flat and offers a relaxing walk.
Beaver Creek Crossing Trail
This trail is a little more challenging. At 1.5 miles long, the Beaver Creek Crossing Trail has a few steep climbs. This trail is a good choice for those who are just beyond the beginner hiker.
Deer Cross – Cedar Bluff Trail
This trail is a bit more challenging than Beaver Creek Crossing, but still suitable for those who are not yet intermediate hikers. At two miles long, the trail contains several climbs, but they are not overly steep ones.
Cedar Bluff – Beaver Lodge Trail
At six miles long, this trail is fairly difficult. It contains lots of steep grades that will be fun for the more serious hiker.
Skyline Trail
This trail is aptly named and is for only the most experienced hikers who can withstand elevation hiking. It is six miles long and contains a lot of steep terrain, but you will find that the climb is well worth the effort when you see the spectacular mountain views from the top.
The David Boren Hiking Trail
Named after the U.S. Senator and former governor of Oklahoma, this 16-mile trail is the ultimate hiking challenge. The trail starts at the low-water dam at Beavers Bend Lake and then connects with the Beaver Lodge Nature Trail. This trail is well-defined, narrow, and full of steep grades. A multi-purpose, mountain biking trail also runs for four miles, wandering over creek bottoms and along the tops of ridges.
As well as having a choice of trails to hike in McCurtain County, Oklahoma, you also have an array of choices when it comes to lodging. There are hundreds of affordable cabins to choose from tucked in the pines of the Kiamichi Mountains. Beavers Bend Resort Park has a 40-room lodge, 47 cabins for rent, RV hookups, and sites for tent camping. For cheap weekend getaways, look no further than the Beavers Bend State Park area, which is also easily accessible, being only a two to four hour drive from Dallas/Fort Worth, Oklahoma City, Tulsa, Little Rock, and Shreveport.

How To Get Cheap Portland Car Insurance

Cheap Portland car insurance is easy to get when you purchase only the minimum liability auto insurance requirements in Oregon. When it comes to minimum car insurance requirements, Oregon leaves very little out. Portland drivers must have person bodily injury, property damage liability, a “per crash” bodily injury, a “per crash” property damage, personal injury protection (to cover the cost of any medical treatment to the injured party up to one year after the accident), and uninsured motorist coverage.
With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.
The minimum required Portland car insurance amounts are as follows:

Cheap Auto Insurance Quotes No Longer are Hard to Find

The sole purpose of an auto insurance company is to protect you as well as your family in the event of an accident. However unfortunately many auto insurance company’s gouge the average consumer in the wallet when offering auto insurance quotes to customers.

The quotes cheap auto insurance are not m: s hard to find

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