What You Should
Know About Auto Insurance
1 V-
WHY AUTO-INSURANCE RATES ARE GOING UP
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Yes, rates are going up but there are
save money and still get the coverage you need
YOUR AUTOMOBILE INSURANCE
has gone up in the past 10
years the cost of liability cover
age, for example, has risen more
than 30 percent. Yet insurance
firms say you still don't pay
enough to cover the $4 billion they
return each year in claims.
Right now, insurance companies in some
states are asking for certain rate increases
to help them dilute the red ink which, since .,'
World War II, has amounted to $1 billion
for liability insurance.
Despite the glum statistics, there are .
real bargains in automobile insurance for
you as an individual auto owner, and you
don't have to sacrifice that vital protection
which may save you from financial ruin
should you have a serious accident.
Take an inventory of what leading in
surance companies have to offer good
drivers and their families, and see if you
are getting the most for your money:
Are you a safe driver? Under safe
driving plans, you can get a handsome dis
count if you and your family have driven
without an accident or serious traffic vio
lation for three years.
Say you live in a Midwestern city of
60,000 (remember, rates vary widely by
region and driver classification) and your
premium is $63 for bodily injury liability
coverage of $25,000 for each person and
$50,000 for each accident, and property
damage liability coverage of $5,000 for
each accident. If you qualify as a safe
driver, the premium would drop to $54.
Have you a "special" automobile
policy? Briefly, this is a "package deal."
It wraps up liability, medical payments,
collision, comprehensive, and other cover
ages in one policy. In that Midwestern city,
for example, coverages that would cost you
$121 if bought individually, would come to
only $100 as a package.
Young male driver in the family?
If you have, expect a bigger insurance bill.
Drivers under 25 are involved in 20.7 per
cent of all accidents although they account
for only 18.4 percent of all drivers.
However, you can trim the added ex
pense by having him complete a recognized
driver-education program. Here's how pre
miums would be affected in the city we are
ILLUSTRATION IT
Famllv Weekly, October 21, 1M2
using as an example. Pop was paying $70
for insurance, but when Junior started to
drive it went up to $133. Proof that Junior
passed a high-school driving course re
duced the premium to $120.
Covered where you need it most?
Most auto owners aren't insured enough
against personal-injury claims, especially
with juries handing out large verdicts.
Many plaintiffs today look on an accident
as a once-in-a-lifetime opportunity to hit
the jackpot. One woman, for example,
merely witnessed an automobile accident
that left her untouched but she won an
award of $90,000 because the sight, she
said, caused severe physical reactions.
At the minimum, you should cany
$25,000 for each person and $50,000 for
each accident.
Take an owner whose tight budget
limited him to a $10,000-$20,000 policy
with a $1Q0 premium. He also paid $15 for
full comprehensive (coverage for all dam
age costs other than that incurred in a
- collision) and $53 for $50 deductible colli
sion (owner pays first $50 in repairs after
a collision, insurance company the rest).
Total cost: $168.
His car is four years old and has de
preciated in value to less than $1,500. It
may be time he took more risks on losses
to the car and covered himself better in the
liability area. For example, he could get
$50 deductible comprehensive (he pays
first $50 on noncollision accidents) which
costs $7; he changes the collision insurance
to $100 deductible (he assumes first $100
of repairs) at a cost of $34. Now his total
cost is $141 a $27 saving that's enough
to pay for $25,000-$50,000 liability.
Two cars at home? Say both you
and your wife have cars. If you insure
them separately, you're losing money be
cause a joint policy may qualify you for
a 20 percent discount on liability for each
car and 10 percent off on collision in
surance on each.
Belong to a special group? If you
are a farmer or rancher, you may qualify
for a preferred rate from general insurers
up to 30 percent on liability and collision
premiums. Some companies insure only
certain people teetotalers, retired U.S.
military personnel, government employees.
By being extremely selective, these firms
can reduce their premiums.
BERNARD OWEN
plans under which
By JACK RYAN
3ft!Hi!!!IHiHH!ii
1 1
School's never out
And that's good for
technicians go back
keep up with GM's
CHEVROLET
'fe- TO CARE FORlSi
Q TOUR GM CAR! jp
More Accidents
. 11 million in 1961, twice the number
that occurred m 1942. -
More Injuries, Deaths
Three million injured in 1961 and 38,000
killed a itartfing increase of 154 per
cent over 1942.
More Claims
1.5 million persons filed liability claims
in 1961, which was more than double
the figure for 1942.
you con
GUARDIAN MAINTENANCE
for thousands of GM dealer servicemen!
you and your car. Year after year, these
to General Motors Training Centers to
engineering advances ... to learn the
BEST KIND OF CARE
FOR THE BEST KIND
OF CARS AND TRUCKS
PONTIAC OLDSMOB1LE BUICK CADILLAC GMC TRUCK
Bigger Settlements
Bodily injury claims Increased 131 per
cent since 1939 (average today: $1,005
white property claims climbed 346 per
cent in the same period.
Bigger Jury Awards
tn New York State, the average Jury
award for bodily injury rose from $3,500
in 1941 to $11,175 in 1959; In one
Oklahoma county, such awards rose 573
percent, or 22 times the increase In the
cost of living.
SERVICEMEN...
latest techniques in car care and repair. They service your car
the Guardian Maintenance way using genuine GM parts and
the finest diagnostic equipment. AH are important reasons for
seeing your General Motors dealer before buying any new car.
Guardian
Maintenance
Costly Auto Repairs
in 1933, It cost $24.50 to replace a front
fender; now It's $45.65. A new wind
shield used to cost $38; today it's $134.
Costly People Repairs
Between 1950 and I960, hospital-room
rates rose 109 percent.
Fraudulent Claims -Insurance
experts claim 75 percent of
today's claims are tainted with some de
gree of cheating.
Sanest