by Bill Thomas
"It's so easy even a caveman can do it", the announcer proclaims, alluding to how easy it is to save money with their car insurance company. While the advertisement has been hugely successful, even leading to a television series, the reality is neither a caveman, talking lizards, scantily clad models or anything else will make your car insurance any cheaper. Your insurance premium is primarily based on such things as your driving record, age, gender, location, the vehicle that you're insuring, and not on what insurance company you are with. If you really want to see how easy it is to save money with any insurance company, try getting cheap auto insurance with a less than perfect driving record including such indiscretions as speeding, accidents, or the dreaded D.U.I. You'll quickly find that 'easy' is a relative term; perhaps easier than Chinese Arithmetic, but not as easy as the ubiquitous commercials would lead you to believe.
Even a caveman will find it hard to get cheap car insurance in some places. The place that I call home; referred to by many as the People's Republic of Maryland, has a 'point' system in place where you get nailed twice for the same violation. Commit a driving violation here, and you will receive a gift that keeps on giving because not only will you pay when you go to court, but you will also be rewarded with higher insurance premiums when the auto insurance company finds that you've scored some points. If you are a really high achiever and score enough points, you can even get your license revoked or suspended. The 'point' is, your driving record is the major determinant as to how much you pay. If you want to keep your car insurance low..er, avoid tickets, and if you live in Maryland, take the bus.
When it comes to car insurance, it is definitely better to be a cavewoman than a caveman. It's an established fact that all things being equal, you will pay more for auto insurance if you happened to born with the XY chromosome.The reasoning behind this is that since men have the testosterone thing going on, they are more likely to drive fast and reckless and therefore are a higher risk than the fairer sex. Having many years of experience behind the wheel, I would have to add that it's not so much whether or not you are a caveman or woman that matters, but whether or not you are a 'young' cave person. I could not begin to tell you how many times I have seen young Cro-Magnon women driving up on another cars bumper at 70 miles an hour. While this gender discrimination may seem a little Neanderthal to many of us, nobody said that life was fair; even for a caveman.
It also matters where you cave is located. When I was living out in Washington State, I paid less than half for car insurance than what I pay here in Maryland. In Baltimore, you can even pay higher rates just by living in the wrong zip code. I have a brother who lives just two miles from where I reside yet his auto insurance is much cheaper because he lives in a different zip code. You can be the safest driver on the roads but if you happen to live in the wrong area, you might just get penalized for it. Like real estate, when it comes to car insurance, location matters.
Lastly, the type of vehicle that you're insuring also plays a large part in how much you pay for auto insurance. For instance, certain vehicles are more popular with car thieves than others. According to the 'National Insurance Crime Bureau(NICB), the Honda Civic and Accord were among the most reported stolen vehicles in 2006'. 'The report also mentioned that thieves tend to target the most popular vehicles because they offer the best market for stolen vehicle parts and illegal export to other countries'. Insurance companies are aware of this as well, and most will charge a premium for the privilege of owning one of these thief happy cars.
While it may be true that you can save some money by insuring your auto with an insurance company that has a caveman as a spokesperson, the truth is that what you pay for insurance is based on numerous factors such as driving history, age, sex and location. Slick advertising aside, that should be so obvious that even a cave man can see it.
http://www.goarticles.com/cgi-bin/showa.cgi?C=690969
11/15/2007
Tips On Buying Car Insurance With Bad Credit
by M.C.
If you have bad credit, you may be finding that getting a good deal on your car insurance is not an overly easy task. In the world today, more and more people are finding themselves in serious financial trouble and bad credit is dramatically on the increase. It is restricting people’s lives and it often causes them to get into deeper financial trouble, as the cost of things such as their car insurance goes up.
Finding Good Car Insurance Deals With Bad Credit
While it may be slightly more difficult finding a good deal on your car insurance when you have bad credit, it is certainly not impossible. There are some companies that deal specifically with people who have a bad credit history and they offer special deals to suit your needs. Even if you cannot find a good deal, there are also other ways in which you can improve your situation to get a good deal.
Some of the main things that you can do to purchase good deal car insurance with bad credit include:
- Improve your credit rating - Compare different companies - Take out a bad credit loan - Purchase a cheaper car - Don’t accept any extras on a loan - Make sure you have a full time job
All of the above will really help you to get a good deal on your car insurance. The main thing that you should aim to do ideally would be to improve your credit rating. Paying off most of the debt that you have will help to improve your rating and insurance companies will be more willing to give you a better deal. You could also apply for a credit card that you could use specifically to get your credit rating up. By making small purchases and paying off the full balance at the end of the month, you will help to improve your rating. Just remember not to use the card for anything else.
Most people with bad credit have to rely on another loan to help them to purchase their car insurance. Now, while there is nothing wrong with this if you can comfortably afford the repayments, you should be extremely careful where you get the loan and what you use it for. For example, many people use the loan to get a new car before they get their car insurance. This can be a big mistake as you need to know what the insurance will be on the car that you choose. Different cars attract different insurance rates and so if you do have bad credit, it would be advisable to choose a car that has as low an insurance rate as possible.
Car insurance can be expensive and it is unfortunately something that every driver needs. The main tip for you to follow is to purchase a car only after you have researched different car insurance rates. Also try to improve your credit rating as much as possible beforehand and get as many auto insurance quotes as possible before you you’re your decision.
www.htquotes.com
If you have bad credit, you may be finding that getting a good deal on your car insurance is not an overly easy task. In the world today, more and more people are finding themselves in serious financial trouble and bad credit is dramatically on the increase. It is restricting people’s lives and it often causes them to get into deeper financial trouble, as the cost of things such as their car insurance goes up.
Finding Good Car Insurance Deals With Bad Credit
While it may be slightly more difficult finding a good deal on your car insurance when you have bad credit, it is certainly not impossible. There are some companies that deal specifically with people who have a bad credit history and they offer special deals to suit your needs. Even if you cannot find a good deal, there are also other ways in which you can improve your situation to get a good deal.
Some of the main things that you can do to purchase good deal car insurance with bad credit include:
- Improve your credit rating - Compare different companies - Take out a bad credit loan - Purchase a cheaper car - Don’t accept any extras on a loan - Make sure you have a full time job
All of the above will really help you to get a good deal on your car insurance. The main thing that you should aim to do ideally would be to improve your credit rating. Paying off most of the debt that you have will help to improve your rating and insurance companies will be more willing to give you a better deal. You could also apply for a credit card that you could use specifically to get your credit rating up. By making small purchases and paying off the full balance at the end of the month, you will help to improve your rating. Just remember not to use the card for anything else.
Most people with bad credit have to rely on another loan to help them to purchase their car insurance. Now, while there is nothing wrong with this if you can comfortably afford the repayments, you should be extremely careful where you get the loan and what you use it for. For example, many people use the loan to get a new car before they get their car insurance. This can be a big mistake as you need to know what the insurance will be on the car that you choose. Different cars attract different insurance rates and so if you do have bad credit, it would be advisable to choose a car that has as low an insurance rate as possible.
Car insurance can be expensive and it is unfortunately something that every driver needs. The main tip for you to follow is to purchase a car only after you have researched different car insurance rates. Also try to improve your credit rating as much as possible beforehand and get as many auto insurance quotes as possible before you you’re your decision.
www.htquotes.com
How to Find Cheap Car Insurance
by Jeff Kimball
With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
http://www.a1-cheap-car-insurance.com/
With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
http://www.a1-cheap-car-insurance.com/
Where to Buy Cheap Georgia Auto Insurance Online
by Brian Stevens
Car thefts and accident rates in Georgia have increased dramatically in the last few years. Consequently, auto insurance rates are at an all-time high. But you can still buy cheap Georgia auto insurance online. Here's where to get it.
Minimum Georgia Auto Insurance Requirements
The following insurance coverages are required for you to drive your car in the state of Georgia:
* Bodily injury liability coverage ($25,000 for one person, and $50,000 for all persons) to pay for judgments and legal fees when you're found liable for injuring or killing other people in an auto accident.
* Property damage liability coverage ($25,000) to repair or replace another person's car or personal property when your found liable for causing an accident.
That's all the insurance you need to get on the road. But it doesn't protect you or your car, so you may want to add the following coverages to your auto insurance policy:
Optional Insurance Coverages
* Collision coverage, which pays to repair or replace your car after it's been damaged in an accident.
* Comprehensive coverage, which pays to repair or replace your car after it's been damaged by vandalism, fire, flooding, or acts of nature.
* Medical payment coverage, which pays your and your passengers medical expenses when you're involved in an accident.
* Uninsured motorist coverage, which pays your or your passengers medical expenses, plus damage to your car or property, caused by an uninsured, underinsured, or hit-and-run driver.
Where to Get Cheap Auto Insurance With a Reliable Company
Because auto insurance rates can vary dramatically from one company to another, the way to save the most money on your auto insurance is to compare rates from different insurance companies. The easiest and fastest way to do that is to go to an insurance comparison site (see link below).
http://www.LowerRateQuotes.com
Car thefts and accident rates in Georgia have increased dramatically in the last few years. Consequently, auto insurance rates are at an all-time high. But you can still buy cheap Georgia auto insurance online. Here's where to get it.
Minimum Georgia Auto Insurance Requirements
The following insurance coverages are required for you to drive your car in the state of Georgia:
* Bodily injury liability coverage ($25,000 for one person, and $50,000 for all persons) to pay for judgments and legal fees when you're found liable for injuring or killing other people in an auto accident.
* Property damage liability coverage ($25,000) to repair or replace another person's car or personal property when your found liable for causing an accident.
That's all the insurance you need to get on the road. But it doesn't protect you or your car, so you may want to add the following coverages to your auto insurance policy:
Optional Insurance Coverages
* Collision coverage, which pays to repair or replace your car after it's been damaged in an accident.
* Comprehensive coverage, which pays to repair or replace your car after it's been damaged by vandalism, fire, flooding, or acts of nature.
* Medical payment coverage, which pays your and your passengers medical expenses when you're involved in an accident.
* Uninsured motorist coverage, which pays your or your passengers medical expenses, plus damage to your car or property, caused by an uninsured, underinsured, or hit-and-run driver.
Where to Get Cheap Auto Insurance With a Reliable Company
Because auto insurance rates can vary dramatically from one company to another, the way to save the most money on your auto insurance is to compare rates from different insurance companies. The easiest and fastest way to do that is to go to an insurance comparison site (see link below).
http://www.LowerRateQuotes.com
11/14/2007
Cheap Car Insurance - Get Online Instant Quotes With The Power of the Internet
by Tim Croy
You can be sure of not getting a car insurance cover free of charge as you do not get free lunch anywhere in the world. What you can do though is cut down on the premium which you may pay on your car insurance policy. By controlling some factors from your end, you could end up paying lesser premiums on your car insurance which further allows you to access some of the Cheap Car Insurance Quotes.
What factors result in Cheap Car Insurance Quotes?
To understand this, let us rule out some possibilities. First, the car insurance quotes are generally high for teenagers (of age under 25). These are guys who are determined to drive in a risky manner historically. The insurance companies penalize this group of drivers by asking them to pay more for their car insurance covers. Secondly, if you are a senior citizen driver (Age above 55) the car insurance premium will be high as well.
In case of accidents, the senior citizens being the drivers may not have a fast road to recovery in case they suffer from injuries. These two points bring us to two important factors which can result in you getting Cheap Car Insurance quotes.
· Get a bulky car to drive â€" It is historically proven that the bulkier and heavier cars are immune to accidents. They may be difficult to drive but have stood the test of time when it comes to accidents. If you do not wish to pay a lot for your car insurance covers, get a heavy sedan for yourself.
· Allow your wife to own the car â€" Though it is considered to be a part of male ego to own a car, there is no harm in allowing your wife to own the car. This is extremely cost effective in terms of paying for the car insurance plan as men generally are bound to pay more than woman for car insurance covers.
Teenagers can get cheap insurance quotes too, by following simple safety standards while driving and getting good grades in the school that makes them eligible for plenty of discounts which the insurance companies offer.
http://car-insurance-choices.com
You can be sure of not getting a car insurance cover free of charge as you do not get free lunch anywhere in the world. What you can do though is cut down on the premium which you may pay on your car insurance policy. By controlling some factors from your end, you could end up paying lesser premiums on your car insurance which further allows you to access some of the Cheap Car Insurance Quotes.
What factors result in Cheap Car Insurance Quotes?
To understand this, let us rule out some possibilities. First, the car insurance quotes are generally high for teenagers (of age under 25). These are guys who are determined to drive in a risky manner historically. The insurance companies penalize this group of drivers by asking them to pay more for their car insurance covers. Secondly, if you are a senior citizen driver (Age above 55) the car insurance premium will be high as well.
In case of accidents, the senior citizens being the drivers may not have a fast road to recovery in case they suffer from injuries. These two points bring us to two important factors which can result in you getting Cheap Car Insurance quotes.
· Get a bulky car to drive â€" It is historically proven that the bulkier and heavier cars are immune to accidents. They may be difficult to drive but have stood the test of time when it comes to accidents. If you do not wish to pay a lot for your car insurance covers, get a heavy sedan for yourself.
· Allow your wife to own the car â€" Though it is considered to be a part of male ego to own a car, there is no harm in allowing your wife to own the car. This is extremely cost effective in terms of paying for the car insurance plan as men generally are bound to pay more than woman for car insurance covers.
Teenagers can get cheap insurance quotes too, by following simple safety standards while driving and getting good grades in the school that makes them eligible for plenty of discounts which the insurance companies offer.
http://car-insurance-choices.com
11/13/2007
How To Get Affordable Car Insurance In Alabama
by Alexis Jensen
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
11/12/2007
With winter being just around the corner a cheap car insurance quote is essential
by David Thomson
Winter will be upon us before we even realise and with it come dark early nights, icy conditions, and rain, snow and high winds. With extreme weather comes a higher risk of being involved in an accident and so of course making sure that your car insurance is up to date is essential, if it is not then getting a cheap car insurance quote for your renewal is essential.
With the transition into winter occurring car insurers report every year that around the month of November there is a 13% increase in the amount of people claiming on their car insurance because the bad conditions mean more people are involved in accidents. One way to avoid this and ease the transition is to slow down and take your time, do not set off at the last minute but instead set off 15 minutes earlier. Winter brings the unexpected and you should be prepared for all eventualities. Keep checks on your car ensuring that there is enough water, oil ad the tyres are inflated and not worn and this can go a long way to keeping you safe.
While you want to safe of course car insurance is essential and obtaining a cheap car insurance quote or several quotes is also essential, the best way to make huge savings and to get the best advice possible when it comes to shaving money off the premiums for the insurance. The specialist broker will be able scour the internet and check with some of the top UK insurance companies before offering you the quotes for the cover in the shortest time possible.
Along with searching online on your behalf and helping you to secure the cheapest quotes possible for the cover the specialist will also be able to offer vital and helpful information to give you some hints and tips on how to save money yourself. Car insurance premiums can cost less if you have secured your car with the very best in car security, for example installing car alarms, immobilisers, tracking devices or having your windows etched.
When getting a cheap car insurance quote you should also consider adding breakdown cover to the policy, breakdown cover can be crucial particularly in the winter months when cars are at their most unpredictable due to the weather. Around 72% of drivers on the road have admitted to having broken down at sometime or another and 16% of these unfortunate enough to have no cover at the time of breaking down and in cold dark weather it is not a very pleasant thought if you are not covered by breakdown cover. Breakdown cover doesn't have to be expensive particularly when taken out alongside car insurance as a package, while some basic breakdown cover could be included in policies it is important to check what it actually covers. Checking out the full terms and conditions of any policy that you take out is imperative as this is where you can find what you are and are not covered for in your insurance policy.
http://www.bestdealinsurance.co.uk/forms/car/default.aspx
Winter will be upon us before we even realise and with it come dark early nights, icy conditions, and rain, snow and high winds. With extreme weather comes a higher risk of being involved in an accident and so of course making sure that your car insurance is up to date is essential, if it is not then getting a cheap car insurance quote for your renewal is essential.
With the transition into winter occurring car insurers report every year that around the month of November there is a 13% increase in the amount of people claiming on their car insurance because the bad conditions mean more people are involved in accidents. One way to avoid this and ease the transition is to slow down and take your time, do not set off at the last minute but instead set off 15 minutes earlier. Winter brings the unexpected and you should be prepared for all eventualities. Keep checks on your car ensuring that there is enough water, oil ad the tyres are inflated and not worn and this can go a long way to keeping you safe.
While you want to safe of course car insurance is essential and obtaining a cheap car insurance quote or several quotes is also essential, the best way to make huge savings and to get the best advice possible when it comes to shaving money off the premiums for the insurance. The specialist broker will be able scour the internet and check with some of the top UK insurance companies before offering you the quotes for the cover in the shortest time possible.
Along with searching online on your behalf and helping you to secure the cheapest quotes possible for the cover the specialist will also be able to offer vital and helpful information to give you some hints and tips on how to save money yourself. Car insurance premiums can cost less if you have secured your car with the very best in car security, for example installing car alarms, immobilisers, tracking devices or having your windows etched.
When getting a cheap car insurance quote you should also consider adding breakdown cover to the policy, breakdown cover can be crucial particularly in the winter months when cars are at their most unpredictable due to the weather. Around 72% of drivers on the road have admitted to having broken down at sometime or another and 16% of these unfortunate enough to have no cover at the time of breaking down and in cold dark weather it is not a very pleasant thought if you are not covered by breakdown cover. Breakdown cover doesn't have to be expensive particularly when taken out alongside car insurance as a package, while some basic breakdown cover could be included in policies it is important to check what it actually covers. Checking out the full terms and conditions of any policy that you take out is imperative as this is where you can find what you are and are not covered for in your insurance policy.
http://www.bestdealinsurance.co.uk/forms/car/default.aspx
11/11/2007
Are Car Insurance Premiums Rising?
by Simon Christopher
Sainsbury's Bank publishes their Car Insurance Index every year, taking a snapshot of UK car insurance premiums and tracks trends in the motor insurance industry. According to their report released in early September, the cost of insuring your vehicle rose an average of 4.2% since June 2006. In cash terms, most motorists are paying about £19.80 more to insure their cars this year than last year.
While car insurance premiums are definitely on the rise, those rises don't affect everyone equally. Your gender and age have a big effect on just how much your car insurance has risen and is likely to rise. According to the figures quoted by Sainsbury's, car insurance for men has risen faster than car insurance for women. Between June 2006 and July 2007, the average car insurance premium for men rose 5.2% to £518.46 as opposed to 3.1% to £442.28 for women overall. Men are generally considered to be a higher risk because of their tendency to take greater risks, which is borne out by the statistics which show more accidents per capita among men than among women in every age range.
Age is another big factor in the amount of insurance premiums that you pay, and in the percentage by which auto premiums have risen in the past year. For drivers under 25, the highest risk category, insurance has risen a whopping 11.2% since July 2006. The next biggest rise was for drivers in the 25-40 age group, reflecting the fact that this age group tends to log more driving hours than other drivers. Car insurance premiums for this age group rose 5.81% overall. The lowest rise in premiums for any age group was for those drivers age 65 and over - a mere 2.7%.
When you couple the average rise in auto insurance premiums with the fact that the groups whose insurance rose the most already have the highest premiums (males up to age 25, in particular), it becomes clear just how much more expensive it is to drive in the UK this year than last.
Surprisingly, most drivers do not switch insurers, even after a staggering premium rise. Most feel that it's easier and more convenient to just stay with their current insurers than it is to hunt down another motor insurer who might offer them better rates. In fact, only about 1 in 5 drivers even bother to get quotes from another insurer when renewal time rolls around. That convenience could be costing them dearly. While not everyone will find lower rates by shopping around, most drivers who switch their car insurer save about £100 per year.
Of course, the cheapest quote may not offer you the best deal, or save you money in the long run. That £56 you saved on the premium could be completely wiped out if it turns out that you don't have windscreen cover when someone pitches a rock through your windscreen. So, it's important to compare policies as a whole when you're shopping for the best car insurance policy, don't just focus on price.
A good strategy is to use two price comparison websites such as CompareTheMarket.com and Tesco Compare to get quotes from the majority of the UK market and approach the insurers direct to verify premiums and compare policy features.
http://www.goarticles.com/cgi-bin/showa.cgi?C=679236
Sainsbury's Bank publishes their Car Insurance Index every year, taking a snapshot of UK car insurance premiums and tracks trends in the motor insurance industry. According to their report released in early September, the cost of insuring your vehicle rose an average of 4.2% since June 2006. In cash terms, most motorists are paying about £19.80 more to insure their cars this year than last year.
While car insurance premiums are definitely on the rise, those rises don't affect everyone equally. Your gender and age have a big effect on just how much your car insurance has risen and is likely to rise. According to the figures quoted by Sainsbury's, car insurance for men has risen faster than car insurance for women. Between June 2006 and July 2007, the average car insurance premium for men rose 5.2% to £518.46 as opposed to 3.1% to £442.28 for women overall. Men are generally considered to be a higher risk because of their tendency to take greater risks, which is borne out by the statistics which show more accidents per capita among men than among women in every age range.
Age is another big factor in the amount of insurance premiums that you pay, and in the percentage by which auto premiums have risen in the past year. For drivers under 25, the highest risk category, insurance has risen a whopping 11.2% since July 2006. The next biggest rise was for drivers in the 25-40 age group, reflecting the fact that this age group tends to log more driving hours than other drivers. Car insurance premiums for this age group rose 5.81% overall. The lowest rise in premiums for any age group was for those drivers age 65 and over - a mere 2.7%.
When you couple the average rise in auto insurance premiums with the fact that the groups whose insurance rose the most already have the highest premiums (males up to age 25, in particular), it becomes clear just how much more expensive it is to drive in the UK this year than last.
Surprisingly, most drivers do not switch insurers, even after a staggering premium rise. Most feel that it's easier and more convenient to just stay with their current insurers than it is to hunt down another motor insurer who might offer them better rates. In fact, only about 1 in 5 drivers even bother to get quotes from another insurer when renewal time rolls around. That convenience could be costing them dearly. While not everyone will find lower rates by shopping around, most drivers who switch their car insurer save about £100 per year.
Of course, the cheapest quote may not offer you the best deal, or save you money in the long run. That £56 you saved on the premium could be completely wiped out if it turns out that you don't have windscreen cover when someone pitches a rock through your windscreen. So, it's important to compare policies as a whole when you're shopping for the best car insurance policy, don't just focus on price.
A good strategy is to use two price comparison websites such as CompareTheMarket.com and Tesco Compare to get quotes from the majority of the UK market and approach the insurers direct to verify premiums and compare policy features.
http://www.goarticles.com/cgi-bin/showa.cgi?C=679236
11/10/2007
Where to Get Cheap Online Car Insurance Quotes
Brian Stevens
Cheap online car insurance quotes are easy to find when you use an insurance comparison website. If you're in the market for car insurance – or just comparison shopping to find out if you're paying too much – then you definitely need to spend a little time visiting an insurance comparison website.
What is an Insurance Comparison Website?
Insurance comparison websites offer you the ability to quickly and easily get quotes from multiple insurance companies. Comparison shopping is very important when you're buying car insurance because premiums from different companies can vary by hundreds of dollars for the same coverage.
Insurance comparison websites partner with insurance companies to make it possible for you to get quotes online. Instead of having to call or visit individual insurance agents or websites to get quotes to compare, you can go to an insurance comparison website and receive quotes from all the companies that website partners with.
How do Insurance Comparison Websites Work?
When you go to an insurance comparison website to get a quote for car insurance, you'll first complete a form with information about yourself and your insurance needs. This is the same type of information an insurance agent would ask you, including:
* Your name and address
* Your vehicle make and model
* The number of miles you drive each year
* Any safety features on your vehicle
* The coverage limits and deductibles you want
If you have any questions while you're filling out the form, the best insurance comparison websites have an online chat feature that allows you to talk with insurance experts (see link below). With this feature they can answer your questions and guide you through the process.
http://www.articlesbase.com/insurance-articles/where-to-get-cheap-online-car-insurance-quotes-256131.html
Cheap online car insurance quotes are easy to find when you use an insurance comparison website. If you're in the market for car insurance – or just comparison shopping to find out if you're paying too much – then you definitely need to spend a little time visiting an insurance comparison website.
What is an Insurance Comparison Website?
Insurance comparison websites offer you the ability to quickly and easily get quotes from multiple insurance companies. Comparison shopping is very important when you're buying car insurance because premiums from different companies can vary by hundreds of dollars for the same coverage.
Insurance comparison websites partner with insurance companies to make it possible for you to get quotes online. Instead of having to call or visit individual insurance agents or websites to get quotes to compare, you can go to an insurance comparison website and receive quotes from all the companies that website partners with.
How do Insurance Comparison Websites Work?
When you go to an insurance comparison website to get a quote for car insurance, you'll first complete a form with information about yourself and your insurance needs. This is the same type of information an insurance agent would ask you, including:
* Your name and address
* Your vehicle make and model
* The number of miles you drive each year
* Any safety features on your vehicle
* The coverage limits and deductibles you want
If you have any questions while you're filling out the form, the best insurance comparison websites have an online chat feature that allows you to talk with insurance experts (see link below). With this feature they can answer your questions and guide you through the process.
http://www.articlesbase.com/insurance-articles/where-to-get-cheap-online-car-insurance-quotes-256131.html
11/09/2007
Auto Insurance For Teens Does Not Have to Cost So Much!
by Alejandro Bustos
Teens are known to cost their parents a lot of money. Prom dresses, cell phone bills, sporting camps, laptops, and that first car are just to name a few. Having the latest thing is imperative. Parents will be happy to know, however, that they can now purchase affordable auto insurance for their young driver, and it doesn't have to break their wallets! If you are that parent looking for an insurance policy for your new driver, this is great news.
First things first, you'll need to know where to look. Doing a simple search on the web will reveal a plethora of sites that will offer reasonable quotes for your inexperienced teenage driver. Because inexperienced drivers are considered to be at risk, many times, insurance companies will require you to pay higher premiums. You can get around this if you know where to look.
When you are looking for the policy that will best fit your needs, here are some things to consider;
1. Keep in mind that you may be able to add your teenager to your policy rather then purchasing a separate one for him. If you do this, or if it is possible with the type of plan you have, this will save you a lot of money.
2. Encourage your child to give a care about school. Often times, insurance companies will offer discounted monthly premiums to those who are making at least a B average whether the teen is in high school or college. Insurance companies have the idea that good students are better drivers.
3. Most of all, allow your teen to observe you driving. There is a lot that they can learn from watching you.
Now that you are armed with this knowledge, the next step is to go out and get the proper policy for your new teenage driver. Should you fail to do this, woe for you as there'll be a nightmare on your hands. Not only will your teenager cost you even more of a fortune than usual with the things they ask for, you'll look horrible as a parent for not making sure your child is in compliance with the law. Not to mention, it will not go well in the courts. To save yourself the trouble, it is a good idea to get your hands on quality and inexpensive auto insurance right away. It is possible.
http://www.goarticles.com/cgi-bin/showa.cgi?C=676598
Teens are known to cost their parents a lot of money. Prom dresses, cell phone bills, sporting camps, laptops, and that first car are just to name a few. Having the latest thing is imperative. Parents will be happy to know, however, that they can now purchase affordable auto insurance for their young driver, and it doesn't have to break their wallets! If you are that parent looking for an insurance policy for your new driver, this is great news.
First things first, you'll need to know where to look. Doing a simple search on the web will reveal a plethora of sites that will offer reasonable quotes for your inexperienced teenage driver. Because inexperienced drivers are considered to be at risk, many times, insurance companies will require you to pay higher premiums. You can get around this if you know where to look.
When you are looking for the policy that will best fit your needs, here are some things to consider;
1. Keep in mind that you may be able to add your teenager to your policy rather then purchasing a separate one for him. If you do this, or if it is possible with the type of plan you have, this will save you a lot of money.
2. Encourage your child to give a care about school. Often times, insurance companies will offer discounted monthly premiums to those who are making at least a B average whether the teen is in high school or college. Insurance companies have the idea that good students are better drivers.
3. Most of all, allow your teen to observe you driving. There is a lot that they can learn from watching you.
Now that you are armed with this knowledge, the next step is to go out and get the proper policy for your new teenage driver. Should you fail to do this, woe for you as there'll be a nightmare on your hands. Not only will your teenager cost you even more of a fortune than usual with the things they ask for, you'll look horrible as a parent for not making sure your child is in compliance with the law. Not to mention, it will not go well in the courts. To save yourself the trouble, it is a good idea to get your hands on quality and inexpensive auto insurance right away. It is possible.
http://www.goarticles.com/cgi-bin/showa.cgi?C=676598
Car Insurance -- How to Go about Getting It
by A. Fisher
In this article I will discuss the proper mind state required for purchasing automobile insurance. I will show you how to analyze your situation and determine which policy is correct for you, and what you need to know before you get a quote from an insurance agent. Finally, after reading this article you will have an advantage when it comes to choosing the right auto insurance policy.
Auto insurance is required in almost every state. But this doesn't mean you should have car insurance just because it's the law. No -- you should have car insurance because every time you get in a car at your risk to cause very expensive damage. How would you cover this risk without insurance?
Most people have one strategy when choosing car insurance -- they get the lowest, most basic policy they can. This is not how you should go about choosing car insurance. Instead you need to look at the likelihood of you getting an accident, and how it will affect your life and the lives of others around you.
So first thing you need to do, when deciding on an automobile insurance policy, is to look at what kind of driver you are. If you work a lot of hours, and because of it you drive tired often or drive fast to get from one place to another, you are at a higher risk to get in an accident. Thus, it would be wise to consider getting additional coverage. Also, you should look at the kind of vehicle you are driving. What is its safety rating? If you're in a vehicle that is more likely to be involved in a crash, this is another indicator should go beyond just the basic policy. Finally, are you single or do you have a family? Getting in a crash and not being able to afford the claim will not only put you out, but it will put out your loved ones as well. They should also be considered when you're choosing your auto insurance rates.
This is all very important for one reason. You first must choose what kind of plan you want before you can competitively shop for the best deal. If you don't know exactly what is required, you'll likely get a variety of quotes on different coverage plans from different insurance companies. This means there will be no easy way for you to compare one to the other to find the best bargain.
A better strategy is to determine exactly what kind of plan you need, and then get a variety of quotes from different sources on that exact same plan. Now it is very easy to analyze the different premiums and determine which one is the most affordable.
But being most affordable doesn't mean you should choose a company by default. You should also consider what it was like dealing with a company. The worst thing is to get the necessary insurance coverage, and then have your insurance company not go to bat for you when you need to make a claim.
In conclusion, it is smart to determine exactly what kind of plan is needed for your situation. Then you can determine the best kind of deal you can get for that plan. Follow the advice given in this article and you should be well on your way to making the best decision regarding your car insurance.
http://www.goarticles.com/cgi-bin/showa.cgi?C=676908
In this article I will discuss the proper mind state required for purchasing automobile insurance. I will show you how to analyze your situation and determine which policy is correct for you, and what you need to know before you get a quote from an insurance agent. Finally, after reading this article you will have an advantage when it comes to choosing the right auto insurance policy.
Auto insurance is required in almost every state. But this doesn't mean you should have car insurance just because it's the law. No -- you should have car insurance because every time you get in a car at your risk to cause very expensive damage. How would you cover this risk without insurance?
Most people have one strategy when choosing car insurance -- they get the lowest, most basic policy they can. This is not how you should go about choosing car insurance. Instead you need to look at the likelihood of you getting an accident, and how it will affect your life and the lives of others around you.
So first thing you need to do, when deciding on an automobile insurance policy, is to look at what kind of driver you are. If you work a lot of hours, and because of it you drive tired often or drive fast to get from one place to another, you are at a higher risk to get in an accident. Thus, it would be wise to consider getting additional coverage. Also, you should look at the kind of vehicle you are driving. What is its safety rating? If you're in a vehicle that is more likely to be involved in a crash, this is another indicator should go beyond just the basic policy. Finally, are you single or do you have a family? Getting in a crash and not being able to afford the claim will not only put you out, but it will put out your loved ones as well. They should also be considered when you're choosing your auto insurance rates.
This is all very important for one reason. You first must choose what kind of plan you want before you can competitively shop for the best deal. If you don't know exactly what is required, you'll likely get a variety of quotes on different coverage plans from different insurance companies. This means there will be no easy way for you to compare one to the other to find the best bargain.
A better strategy is to determine exactly what kind of plan you need, and then get a variety of quotes from different sources on that exact same plan. Now it is very easy to analyze the different premiums and determine which one is the most affordable.
But being most affordable doesn't mean you should choose a company by default. You should also consider what it was like dealing with a company. The worst thing is to get the necessary insurance coverage, and then have your insurance company not go to bat for you when you need to make a claim.
In conclusion, it is smart to determine exactly what kind of plan is needed for your situation. Then you can determine the best kind of deal you can get for that plan. Follow the advice given in this article and you should be well on your way to making the best decision regarding your car insurance.
http://www.goarticles.com/cgi-bin/showa.cgi?C=676908
11/08/2007
Taking Steps To Get Cheap Auto Insurance
by JON ARNOLD
It's a well known fact that people procrastinate and put off things that they don't like to do and aren't required to do right now. One of the things involved with this procrastination is switching auto insurance companies. You probably know that if you did some comparison shopping to find cheap auto insurance, you almost certainly would be able to do so, so what is stopping you from starting the process?
With just a few phone calls and a few clicks online, you could quickly compare your current auto insurance policy to find out how it stacks up against the same coverage from other auto insurance companies. There is really nothing unpleasant about it. Maybe you don't want to disappoint the insurance sales agent that you've been with for years, but isn't it worth disappointing him if he has been overcharging you for years, and if you could save literally hundreds of dollars per year on your car insurance?
The reality of the matter is that auto insurance is a very competitive industry and all of them are doing what it takes to earn your business. In most cases, what it takes is having the best price for the best coverage.
But before you start clicking your mouse or dialing your phone, there are some things you need to be aware of. First of all, not all auto insurance policies are created equally, so you need to make sure that you are comparing apples to apples when you are comparing insurance quotes from multiple companies. What are the deductibles? You can set a different deductible amount for almost every type of coverage to keep your premiums as low as possible. For example, you can have $500 deductible on collision, $1000 deductible on theft, $1500 deductible on fire, and so on. Keep in mind that the lower the deductible, the more the insurance company is required to pay if you make a claim in that area, and therefore the higher your premiums will be.
Do you even need collision insurance? This is where a lot of people waste a lot of money. If you are driving an old clunker, it makes no sense to have collision insurance on it, since if it gets into an accident, chances are high that the cost to repair the car is going to be more than the cost of declaring it totaled and just paying you’re the fair market price for it. You can save a bundle by taking collision coverage off your policy, although if you are still making payments on the car or it is a lease car, you will almost certainly be required to carry collision insurance on it to protect the interests of the title holder.
Also compare the limits of liability for property damage and personal injury. Some "standard" limits might be $250,000 but if someone is severely injured, you know that with hospital costs these days, that limit can be reached in a heartbeat. So make sure that the limits are the same when comparing policies.
http://www.tips-for-car-insurance.com
It's a well known fact that people procrastinate and put off things that they don't like to do and aren't required to do right now. One of the things involved with this procrastination is switching auto insurance companies. You probably know that if you did some comparison shopping to find cheap auto insurance, you almost certainly would be able to do so, so what is stopping you from starting the process?
With just a few phone calls and a few clicks online, you could quickly compare your current auto insurance policy to find out how it stacks up against the same coverage from other auto insurance companies. There is really nothing unpleasant about it. Maybe you don't want to disappoint the insurance sales agent that you've been with for years, but isn't it worth disappointing him if he has been overcharging you for years, and if you could save literally hundreds of dollars per year on your car insurance?
The reality of the matter is that auto insurance is a very competitive industry and all of them are doing what it takes to earn your business. In most cases, what it takes is having the best price for the best coverage.
But before you start clicking your mouse or dialing your phone, there are some things you need to be aware of. First of all, not all auto insurance policies are created equally, so you need to make sure that you are comparing apples to apples when you are comparing insurance quotes from multiple companies. What are the deductibles? You can set a different deductible amount for almost every type of coverage to keep your premiums as low as possible. For example, you can have $500 deductible on collision, $1000 deductible on theft, $1500 deductible on fire, and so on. Keep in mind that the lower the deductible, the more the insurance company is required to pay if you make a claim in that area, and therefore the higher your premiums will be.
Do you even need collision insurance? This is where a lot of people waste a lot of money. If you are driving an old clunker, it makes no sense to have collision insurance on it, since if it gets into an accident, chances are high that the cost to repair the car is going to be more than the cost of declaring it totaled and just paying you’re the fair market price for it. You can save a bundle by taking collision coverage off your policy, although if you are still making payments on the car or it is a lease car, you will almost certainly be required to carry collision insurance on it to protect the interests of the title holder.
Also compare the limits of liability for property damage and personal injury. Some "standard" limits might be $250,000 but if someone is severely injured, you know that with hospital costs these days, that limit can be reached in a heartbeat. So make sure that the limits are the same when comparing policies.
http://www.tips-for-car-insurance.com
11/07/2007
Car Insurance: A Ritual Not To Be Forgotten
by Smith James
Cars have always allured humans. It has always featured on top of the wish list of people for years. There is something utterly romantic about driving a machine as glorious as cars. Indeed cars have always been one expense people don't think twice before indulging in. It, however, has always been a difficult dream to fulfill. Not anymore though, for the emergence of several financial institutions have ensured that one is never short of finances to fulfill the dream of his to lay his hand on this most glorious of all machines. However, one must not forget that once a car has been bought it needs to be protected as well and therefore car insurance do become very important.
Especially in today's times when there are accidents galore. Yes, it is not an overstatement but a fact, a harsh reality of modern times. Even the statistics attest this fact. Last ten years have seen the rate of accidents increase in leaps in bounds around the world. Particularly in UK the regularity with which they take place is really scary. This, however, is only expected. In an era which is facing extreme scarcity of time, the desire to do everything fast is not uncommon to creep in and it is this desire that is the root cause of all disaster for this encourages a man to jump traffic signals with grave consequences.
Had one not got his car insured then he can be rest assured that he would have to spend on two fronts - on loan repayment as well as on the expenses required to get the damages fixed. However, car insurance on such occasions prove to be no less than a boon, for it ensures that one would not have to spend a single penny for repair as it would be the insurance company that would bear all the expenses. The value of car insurance, thus, can easily be understood. It can safely be said that it would be in the best interest of the car owners to get their cars insured.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=673903
Cars have always allured humans. It has always featured on top of the wish list of people for years. There is something utterly romantic about driving a machine as glorious as cars. Indeed cars have always been one expense people don't think twice before indulging in. It, however, has always been a difficult dream to fulfill. Not anymore though, for the emergence of several financial institutions have ensured that one is never short of finances to fulfill the dream of his to lay his hand on this most glorious of all machines. However, one must not forget that once a car has been bought it needs to be protected as well and therefore car insurance do become very important.
Especially in today's times when there are accidents galore. Yes, it is not an overstatement but a fact, a harsh reality of modern times. Even the statistics attest this fact. Last ten years have seen the rate of accidents increase in leaps in bounds around the world. Particularly in UK the regularity with which they take place is really scary. This, however, is only expected. In an era which is facing extreme scarcity of time, the desire to do everything fast is not uncommon to creep in and it is this desire that is the root cause of all disaster for this encourages a man to jump traffic signals with grave consequences.
Had one not got his car insured then he can be rest assured that he would have to spend on two fronts - on loan repayment as well as on the expenses required to get the damages fixed. However, car insurance on such occasions prove to be no less than a boon, for it ensures that one would not have to spend a single penny for repair as it would be the insurance company that would bear all the expenses. The value of car insurance, thus, can easily be understood. It can safely be said that it would be in the best interest of the car owners to get their cars insured.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=673903
Auto Insurance Coverage, Looking For Cheap Quotes
by Loz
Car insurance is designed to protect you, your vehicle, and other parties, although the level of cover that you choose will determine the level of protection that you get. Car Insurance is the price you pay to protect yourself, your passengers, and your car against unexpected losses. Shopping for car insurance is the only way to save money on car insurance. Getting your hands on affordable car insurance is easier than you may imagine. Comprehensive car insurance is the best cover option but also the most expensive.
Auto Insurance
Have you had trouble finding the best rate for your car insurance?
Insurance is often considered as one of the most effective financial tools for people in today's world. Insurance companies bear all expenses that you have paid cover for, which ensures that the concerned person need not pay a penny to repair the vehicle. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile. In order to find cheap deals on any type of insurance you need to ensure that you compare the different deals on offer. Making a claim on your insurance is usually pretty straight forward and simple, and can also often be done online or by phone. Whatever type of insurance cover you take out, you should ensure that you compare the plans available from a number of companies and you should carefully read through the policy and the small print before you commit.
Insurance Policy
When you consider getting yourself an auto insurance policy, it is important that you make adequate general enquiries before hand. If you are buying a new car or changing your auto insurance policy, go online to compare auto insurance quotes.
Firstly, you should check whether the insurance company whose policy you choose to buy is giving you the best deal or not. If you insure 2 or more vehicles on the same policy some companies may give you a discount. The other benefits of car insurance policy include annual replacement cost analysis along with twenty four hours claims. If your net worth is more than $300,000, you should carry coverage of $200,000 a person and $500,000 an accident, and perhaps an "umbrella" policy that will bolster coverage even further. Your own insurance policy guarantees you immediate compensation for damages, medical expenses, lost wages, essential services, rental car arrangements etc.
Online Auto Insurance Quotes
Online auto insurance quotes can be a great way to find out how much you can expect to pay for car insurance. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies. One of the best ways that we found is to go online and compare the different automotive insurance policies. Insurance companies and brokers provide free online rate quotes that allow you to easily compare costs and coverage. To get online car insurance quotes ten years ago, you would have to call an agent who would send a quote to you via email.
Car insurance is the most widely purchased type of insurance coverage. One of the most common issues with cheap car insurance is companies that simply avoid filling claims should an accident or bodily injury arise. Saving money today on your car insurance is really of the easiest things you can do and often one of the most overlooked ways to free up money for your household expenses.
http://www.insurance-gossip.com/car/saga-car-insurance-online-insurance-quotes.htm
Car insurance is designed to protect you, your vehicle, and other parties, although the level of cover that you choose will determine the level of protection that you get. Car Insurance is the price you pay to protect yourself, your passengers, and your car against unexpected losses. Shopping for car insurance is the only way to save money on car insurance. Getting your hands on affordable car insurance is easier than you may imagine. Comprehensive car insurance is the best cover option but also the most expensive.
Auto Insurance
Have you had trouble finding the best rate for your car insurance?
Insurance is often considered as one of the most effective financial tools for people in today's world. Insurance companies bear all expenses that you have paid cover for, which ensures that the concerned person need not pay a penny to repair the vehicle. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile. In order to find cheap deals on any type of insurance you need to ensure that you compare the different deals on offer. Making a claim on your insurance is usually pretty straight forward and simple, and can also often be done online or by phone. Whatever type of insurance cover you take out, you should ensure that you compare the plans available from a number of companies and you should carefully read through the policy and the small print before you commit.
Insurance Policy
When you consider getting yourself an auto insurance policy, it is important that you make adequate general enquiries before hand. If you are buying a new car or changing your auto insurance policy, go online to compare auto insurance quotes.
Firstly, you should check whether the insurance company whose policy you choose to buy is giving you the best deal or not. If you insure 2 or more vehicles on the same policy some companies may give you a discount. The other benefits of car insurance policy include annual replacement cost analysis along with twenty four hours claims. If your net worth is more than $300,000, you should carry coverage of $200,000 a person and $500,000 an accident, and perhaps an "umbrella" policy that will bolster coverage even further. Your own insurance policy guarantees you immediate compensation for damages, medical expenses, lost wages, essential services, rental car arrangements etc.
Online Auto Insurance Quotes
Online auto insurance quotes can be a great way to find out how much you can expect to pay for car insurance. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies. One of the best ways that we found is to go online and compare the different automotive insurance policies. Insurance companies and brokers provide free online rate quotes that allow you to easily compare costs and coverage. To get online car insurance quotes ten years ago, you would have to call an agent who would send a quote to you via email.
Car insurance is the most widely purchased type of insurance coverage. One of the most common issues with cheap car insurance is companies that simply avoid filling claims should an accident or bodily injury arise. Saving money today on your car insurance is really of the easiest things you can do and often one of the most overlooked ways to free up money for your household expenses.
http://www.insurance-gossip.com/car/saga-car-insurance-online-insurance-quotes.htm
Cheap car insurance tips
by Chris Rowlands
Saving money is something we look for in all areas of life and is especially relevant when it comes to car insurance. In fact many of us will spend hour upon hour searching for a good deal when renewal time comes round (yet again).
You may be surprised to hear there are some pretty simple ways to shave a bit off your policy this year.
Obviously shopping around will allow us to find the most competitively priced policy and there are many websites that now provide this service as a one stop solution. You may be surprised to hear that there are some of us who still accept the renewal price of their existing insurer rather than spend time looking for a cheaper quote. Believe me it really is worth the effort. You could quite easily shave off over £100 on the average policy.
It is important to consider a policy on its merit as well as price as you could be losing out on vital cover if you're not too careful.
Another way to secure cheap car insurance is to pay up front for the policy - if you can afford to. Paying by monthly instalments may appear to be the cheaper option but many insurers will charge interest on the payments (as much as 25% APR in some cases) and this could negate any saving you've made on the policy.
If you really cannot afford to pay the premium as a lump sum you could consider taking out a 0% interest card. It is important to remember that this is only effective if you intend to pay the amount off within the interest free period.
In certain circumstances adding a second driver to the policy can help bring the price down, for example one of your parents or your spouse. Be careful you state the true main driver of the vehicle as knowingly supplying the insurance company with false information could void the policy.
Other easy way's to save money include the following; parking your vehicle off the road (in a locked garage if possible), fitting an alarm or immobiliser if you don't already have one (if your insurer does not list you as having one and this is incorrect be sure to inform them). Believe it or not keeping your annual mileage low will save you money too.
Consider adding breakdown cover to the policy if offered by the insurer, this could save you lot's of money in the long run and is usually quite cost effective considering the peace of mind it delivers.
If purchasing a used car vehicle checks can save you a lot of money as they will show if the mileage is genuine and whether the vehicle has been in an accident or stolen/damaged. Finding this out at a later date could prove very costly as your vehicle may be considered unroadworthy.
Above all allow yourself plenty of time (usually a couple of weeks before your cover expires) to search for a new policy and you should have a pleasant surprise when you compare it with your renewal quote.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=674228
Saving money is something we look for in all areas of life and is especially relevant when it comes to car insurance. In fact many of us will spend hour upon hour searching for a good deal when renewal time comes round (yet again).
You may be surprised to hear there are some pretty simple ways to shave a bit off your policy this year.
Obviously shopping around will allow us to find the most competitively priced policy and there are many websites that now provide this service as a one stop solution. You may be surprised to hear that there are some of us who still accept the renewal price of their existing insurer rather than spend time looking for a cheaper quote. Believe me it really is worth the effort. You could quite easily shave off over £100 on the average policy.
It is important to consider a policy on its merit as well as price as you could be losing out on vital cover if you're not too careful.
Another way to secure cheap car insurance is to pay up front for the policy - if you can afford to. Paying by monthly instalments may appear to be the cheaper option but many insurers will charge interest on the payments (as much as 25% APR in some cases) and this could negate any saving you've made on the policy.
If you really cannot afford to pay the premium as a lump sum you could consider taking out a 0% interest card. It is important to remember that this is only effective if you intend to pay the amount off within the interest free period.
In certain circumstances adding a second driver to the policy can help bring the price down, for example one of your parents or your spouse. Be careful you state the true main driver of the vehicle as knowingly supplying the insurance company with false information could void the policy.
Other easy way's to save money include the following; parking your vehicle off the road (in a locked garage if possible), fitting an alarm or immobiliser if you don't already have one (if your insurer does not list you as having one and this is incorrect be sure to inform them). Believe it or not keeping your annual mileage low will save you money too.
Consider adding breakdown cover to the policy if offered by the insurer, this could save you lot's of money in the long run and is usually quite cost effective considering the peace of mind it delivers.
If purchasing a used car vehicle checks can save you a lot of money as they will show if the mileage is genuine and whether the vehicle has been in an accident or stolen/damaged. Finding this out at a later date could prove very costly as your vehicle may be considered unroadworthy.
Above all allow yourself plenty of time (usually a couple of weeks before your cover expires) to search for a new policy and you should have a pleasant surprise when you compare it with your renewal quote.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=674228
11/06/2007
Car Insurance : Precaution Against High Repair Costs
by Smith James
Every car owner must think about having a car insurance. For many people, the price may be a cause of concern. But then not taking it means a big risk. A car needs maintenance, and the maintenance costs increases as the car gets older. This is the usual wear and tear that incurs a lot of expenditure. And in case there is a damage to the car either out of collision or other reason, the repair charges can touch the sky. Heavy as it is upon you to bear, it is also a bad headache to take care of it, wasting time out of your busy car schedule.
Car insurance policy ensures that your car is restored to good condition without you having to loosen your purse strings. You can rest assured that when it comes to it, your car will find an able mechanic to repair it and return it to you safely from the workshop. Needless to say, such a good policy gives you that essential peace of mind. Once you take the policy, you can rest assured about your car because now it is protected, slated to pass into safe hands. The costs become bearable because all that you have to pay are the periodic, usually yearly premiums. A car insurance is all for you to save the unforeseen costs that when they come, come down rolling heavily. It is essential to be insured thus to avoid the risk of financial hardships that can confront when you have to get your car repaired and without which, your car could be put out of action.
At the same time, who does not want cheap car insurance? Perhaps the factor that matters the most is your driver profile. The safer it is even after years of driving experience, the better your chances of being offered cheaper premiums. The negotiability for low premiums rests on this major condition.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=672892
Every car owner must think about having a car insurance. For many people, the price may be a cause of concern. But then not taking it means a big risk. A car needs maintenance, and the maintenance costs increases as the car gets older. This is the usual wear and tear that incurs a lot of expenditure. And in case there is a damage to the car either out of collision or other reason, the repair charges can touch the sky. Heavy as it is upon you to bear, it is also a bad headache to take care of it, wasting time out of your busy car schedule.
Car insurance policy ensures that your car is restored to good condition without you having to loosen your purse strings. You can rest assured that when it comes to it, your car will find an able mechanic to repair it and return it to you safely from the workshop. Needless to say, such a good policy gives you that essential peace of mind. Once you take the policy, you can rest assured about your car because now it is protected, slated to pass into safe hands. The costs become bearable because all that you have to pay are the periodic, usually yearly premiums. A car insurance is all for you to save the unforeseen costs that when they come, come down rolling heavily. It is essential to be insured thus to avoid the risk of financial hardships that can confront when you have to get your car repaired and without which, your car could be put out of action.
At the same time, who does not want cheap car insurance? Perhaps the factor that matters the most is your driver profile. The safer it is even after years of driving experience, the better your chances of being offered cheaper premiums. The negotiability for low premiums rests on this major condition.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=672892
Finding a car insurance
by sas_scanderalex
One of the best things to do before looking for a car insurance estimate is to see exactly what the state requirements are as far as what the necessary minimum coverage is in order to have adequate coverage. This is something that might be better to do without the assistance of an insurance agency if possible because their job is to sell insurance and they make more money with the more coverage they are able to sell.
Most of the time, a car insurance estimate will include collision, liability and comprehensive coverage on a vehicle. Most households have two or more vehicles and every car should be included when seeking out a car insurance estimate. There are a few things that can be done to make getting a car insurance estimate easier and more accurate especially when dealing with more than one car insurance company.
Hunting around for a car insurance estimate is not something most people enjoy doing. It is one of the worst chores that is required in order to have a vehicle on the road, but it is worth seeking out the most competitive car insurance estimate available. Although getting a car insurance estimate from a number of companies isn't a desirable task; many people spend far more than they absolutely have to each year on their auto insurance because they simply haven't taken the time to compare rates and policies with other auto insurance companies. It would be hard to find someone who would walk into an appliance store and decide to spend $200.00 more on a washer that offers the same exact quality and features as the one next to it that costs far less. It doesn't make too much sense to do the same thing with car insurance.
In order to spend less time on the phone when looking for a car insurance estimate, it is a good idea to have a number of items handy including a driver's license, vehicle identification numbers, make, model and year of each car and even the name and contact information for the company that is financing all vehicles if applicable. There are also a number of factors that can be taken into consideration when seeking a car insurance estimate that may mean additional savings per year. Features on each auto including airbags, auto alarms, anti-lock brakes and other things may mean discounts on auto insurance. Some insurance companies will even offer discounts for having more than one policy with their company as well as insuring multiple cars through with their coverage. Additional discounts may be found through other things like accident-free driving record, defensive driving course incentives and other discounts.
Other circumstances may cost a driver more with certain companies when looking for a car insurance estimate. Men under the age of 25, single drivers, younger drivers under the age of 21, the number of miles driven per day and even the kind of car that is driven can cost a person more money on car insurance when shopping around. The best part about this is that not one car insurance will probably charge the same amount of money for the same coverage so shopping around will prove that there are better choices available.
http://www.used-mini.co.uk/
One of the best things to do before looking for a car insurance estimate is to see exactly what the state requirements are as far as what the necessary minimum coverage is in order to have adequate coverage. This is something that might be better to do without the assistance of an insurance agency if possible because their job is to sell insurance and they make more money with the more coverage they are able to sell.
Most of the time, a car insurance estimate will include collision, liability and comprehensive coverage on a vehicle. Most households have two or more vehicles and every car should be included when seeking out a car insurance estimate. There are a few things that can be done to make getting a car insurance estimate easier and more accurate especially when dealing with more than one car insurance company.
Hunting around for a car insurance estimate is not something most people enjoy doing. It is one of the worst chores that is required in order to have a vehicle on the road, but it is worth seeking out the most competitive car insurance estimate available. Although getting a car insurance estimate from a number of companies isn't a desirable task; many people spend far more than they absolutely have to each year on their auto insurance because they simply haven't taken the time to compare rates and policies with other auto insurance companies. It would be hard to find someone who would walk into an appliance store and decide to spend $200.00 more on a washer that offers the same exact quality and features as the one next to it that costs far less. It doesn't make too much sense to do the same thing with car insurance.
In order to spend less time on the phone when looking for a car insurance estimate, it is a good idea to have a number of items handy including a driver's license, vehicle identification numbers, make, model and year of each car and even the name and contact information for the company that is financing all vehicles if applicable. There are also a number of factors that can be taken into consideration when seeking a car insurance estimate that may mean additional savings per year. Features on each auto including airbags, auto alarms, anti-lock brakes and other things may mean discounts on auto insurance. Some insurance companies will even offer discounts for having more than one policy with their company as well as insuring multiple cars through with their coverage. Additional discounts may be found through other things like accident-free driving record, defensive driving course incentives and other discounts.
Other circumstances may cost a driver more with certain companies when looking for a car insurance estimate. Men under the age of 25, single drivers, younger drivers under the age of 21, the number of miles driven per day and even the kind of car that is driven can cost a person more money on car insurance when shopping around. The best part about this is that not one car insurance will probably charge the same amount of money for the same coverage so shopping around will prove that there are better choices available.
http://www.used-mini.co.uk/
11/05/2007
Should I Buy Rental Car Insurance?
by Alex Ty
Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web sites.
After reading our article, you can impress your friends with the amazing amount of knowledge you have gained on this subject.
Keep in tend; you may not necessity to buy this additional car insurance because you have sedan insurance from your own car insurance troupe. Normally talking, when you rent a car, the liability coverage bounds you have in your own sedan insurance policy wait in look with the same bounds. In addition, the comprehensive and conflict coverage you have in your own sedan insurance policy wait in look with the same deductibles. You do have comprehensive and conflict coverage don't you? See our thing, "How greatly Car assurance should You Buy?" for an inventory of coverage types and definitions.
You may also have some kind of additional sedan insurance coverage through your standing license but it is important that you invoice your standing license information for aspect facts. Some licenses only covenant coverage if you rent your car from a particular work. Some bound the being for which coverage is untaken. Some will only provide coverage for certain types and/or module of cars. With some licenses, the coverage is not sedanmatic and you must register in a plan to get coverage. Some licenses that puff sedanmatic rental insurance truly only return you for the deductible that you would have to pay under your habitual insurance policy. Still others may provide only conflict and comprehensive coverage, goodbye you exposed for private injury or chattels wound to others. Leasing car agencies typically covenant liability coverage's age in two parts - a supplemental liability policy protects against claims from others and a passing injury Waiver (LDW) coverage's the rental car. LDW is not technically insurance; fairly, it is a troupe's covenant not to foothold the consumer likely for hammering from all or part of any wound to merchandise.
Before you rent a vehicle, grasp the charges you could be responsible for and how these charges are sheltered or not sheltered by both your own sedan insurance policy and the car insurance the rental troupe is covenanting.
What we have explored up to now is the most important information you need to know. Now, let's dig a little deeper.
If you bear a hammering that is not sheltered under your sedan policy, invoice your other insurance policies. For example, if private chattels have been stolen from your rental car, it may be sheltered under your homeowners or renters policy. Also, certain checkup policies may coverage expenses of injuries not sheltered by your car insurance policy.
As forever, invoice with your insurance troupe to find out closely what is sheltered under your own sedan insurance policy.
If you could take the main ideas from this article and put them into a list, you would a great overview of what we have learned.
www.automobileph.com
Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web sites.
After reading our article, you can impress your friends with the amazing amount of knowledge you have gained on this subject.
Keep in tend; you may not necessity to buy this additional car insurance because you have sedan insurance from your own car insurance troupe. Normally talking, when you rent a car, the liability coverage bounds you have in your own sedan insurance policy wait in look with the same bounds. In addition, the comprehensive and conflict coverage you have in your own sedan insurance policy wait in look with the same deductibles. You do have comprehensive and conflict coverage don't you? See our thing, "How greatly Car assurance should You Buy?" for an inventory of coverage types and definitions.
You may also have some kind of additional sedan insurance coverage through your standing license but it is important that you invoice your standing license information for aspect facts. Some licenses only covenant coverage if you rent your car from a particular work. Some bound the being for which coverage is untaken. Some will only provide coverage for certain types and/or module of cars. With some licenses, the coverage is not sedanmatic and you must register in a plan to get coverage. Some licenses that puff sedanmatic rental insurance truly only return you for the deductible that you would have to pay under your habitual insurance policy. Still others may provide only conflict and comprehensive coverage, goodbye you exposed for private injury or chattels wound to others. Leasing car agencies typically covenant liability coverage's age in two parts - a supplemental liability policy protects against claims from others and a passing injury Waiver (LDW) coverage's the rental car. LDW is not technically insurance; fairly, it is a troupe's covenant not to foothold the consumer likely for hammering from all or part of any wound to merchandise.
Before you rent a vehicle, grasp the charges you could be responsible for and how these charges are sheltered or not sheltered by both your own sedan insurance policy and the car insurance the rental troupe is covenanting.
What we have explored up to now is the most important information you need to know. Now, let's dig a little deeper.
If you bear a hammering that is not sheltered under your sedan policy, invoice your other insurance policies. For example, if private chattels have been stolen from your rental car, it may be sheltered under your homeowners or renters policy. Also, certain checkup policies may coverage expenses of injuries not sheltered by your car insurance policy.
As forever, invoice with your insurance troupe to find out closely what is sheltered under your own sedan insurance policy.
If you could take the main ideas from this article and put them into a list, you would a great overview of what we have learned.
www.automobileph.com
Car Insurance Rates: Factors Determining The Car Insurance Rates
by David Faulkner
Everyone must have Car insurance as the law states, and it's necessary in case you ever have an accident. Car insurance can prevent the need to pay loads of money to get your car fixed should you ever have an accident. Nobody wants to get into an accident, but it's best to be prepared in case the unthinkable happens. However, just because you need car insurance doesn't mean that you must pay a lot of money for it. That's why you should research as much as possible to ensure you get the best deal. It may take a long time, as there are many car insurance companies to choose from, but there is always that one company that wants to offer you low rates car insurance, you just have to find it.
Car Insurance Rates Depends on Various Factors:
Car Insurance Rates can appear to be very puzzling but once you recognize what different rates there are it should not be too hard. In addition to the primary rates, there are other types you can add on to your policy, such as liability, medical coverage, bodily injury, collision coverage, property or rental coverage, just to name a few. However, for the most part there are main types of car insurance rates that a person really needs. In fact, it is a law to have car insurance rates throughout most of the United States.
Depending on the kind of vehicle you have and the amount of investment you have made into it will determine which kind of car insurance rates is right for you. Once you've determined the right main rates for you, you'll have an opportunity to look at the different add on options your particular carrier may offer their customers. Car Insurance Rates: Connected With Several Pricing Factors
One additional thing to be considered in car insurance rates for your need is the price of the policy. Some insurance companies require a higher monthly premium for their policies than other companies. In some cases, this higher premium cost is offset by a lower deductible or more services added to the coverage, but in other cases the higher price is just because the company chooses to have a higher price.
Many consumers are loath to look for for the best car insurance company rates and will go with the first policy they find that fits their budget and covers their car. By reviewing the information for several different companies before making your choice, you have a greater chance of choosing the best car insurance rates for your needs.
http://www.autocarinsurancehelp.org/Compare_Care_Insurance/
Everyone must have Car insurance as the law states, and it's necessary in case you ever have an accident. Car insurance can prevent the need to pay loads of money to get your car fixed should you ever have an accident. Nobody wants to get into an accident, but it's best to be prepared in case the unthinkable happens. However, just because you need car insurance doesn't mean that you must pay a lot of money for it. That's why you should research as much as possible to ensure you get the best deal. It may take a long time, as there are many car insurance companies to choose from, but there is always that one company that wants to offer you low rates car insurance, you just have to find it.
Car Insurance Rates Depends on Various Factors:
Car Insurance Rates can appear to be very puzzling but once you recognize what different rates there are it should not be too hard. In addition to the primary rates, there are other types you can add on to your policy, such as liability, medical coverage, bodily injury, collision coverage, property or rental coverage, just to name a few. However, for the most part there are main types of car insurance rates that a person really needs. In fact, it is a law to have car insurance rates throughout most of the United States.
Depending on the kind of vehicle you have and the amount of investment you have made into it will determine which kind of car insurance rates is right for you. Once you've determined the right main rates for you, you'll have an opportunity to look at the different add on options your particular carrier may offer their customers. Car Insurance Rates: Connected With Several Pricing Factors
One additional thing to be considered in car insurance rates for your need is the price of the policy. Some insurance companies require a higher monthly premium for their policies than other companies. In some cases, this higher premium cost is offset by a lower deductible or more services added to the coverage, but in other cases the higher price is just because the company chooses to have a higher price.
Many consumers are loath to look for for the best car insurance company rates and will go with the first policy they find that fits their budget and covers their car. By reviewing the information for several different companies before making your choice, you have a greater chance of choosing the best car insurance rates for your needs.
http://www.autocarinsurancehelp.org/Compare_Care_Insurance/
11/04/2007
The Beginnings of Auto Insurance
by Joe Bella
In the United States and in the United Kingdom, auto insurance is needed before you can get on the road, and it is easy to see why. Even a minor accident can rack up thousands of dollars in car repair costs and injury, and auto insurance ensures that these costs will be taken care of. Insurance is often seen as a calculated risk, but in many places at least auto insurance is required while many people tend to put down more money for full coverage.
At its most basic form, something like auto insurance has existed since people started living and working cooperatively. When one person invests time and effort into a group, they are ensuring that the group will be there for them in the future. In this way, it can be seen that early human interaction had an implied responsibility. In form at least, it's not unlike paying an insurance premium to ensure that if and when something bad happens, there will be something to fall back on.
Even 3000 to 5000 years ago, Babylonian merchants had to pay an extra fee if they were loaning money from a third party. This fee essentially ensured that the if the shipment was stolen, the loan would be canceled. While this fee might have been pricey, it was still better than paying the full cost of the loan should the shipment meet with doom. As one might expect, there were investigations of insurance fraud around at this time!
In the United States, Benjamin Franklin created the first fire insurance available, going so far as to refuse to insure places that he felt were too much of a fire risk. As you can see, then as now, there are some things that an insurance company might refuse to cover, or refuse to cover completely. As auto insurance might not pay off if some conditions are not met, Benjamin Franklin also stated that if buildings were not kept up and proper precautions were not taken, then the policy holder lost the right to the insurance.
Automobile insurance essentially appeared with the first cars, especially due to the fact that they were, at first, mostly the province of the wealthy. It was seen originally as a form of protecting your investment at that point and then as more and more cars appeared on the road, it became a matter of necessity. When you take into account the fact there are so many cars on the road, it only make sense to demand at least minimal coverage. Auto insurance has a long history, and there's a reason that it has been around for as long as it has!
http://www.automobile-insurance.ws/
In the United States and in the United Kingdom, auto insurance is needed before you can get on the road, and it is easy to see why. Even a minor accident can rack up thousands of dollars in car repair costs and injury, and auto insurance ensures that these costs will be taken care of. Insurance is often seen as a calculated risk, but in many places at least auto insurance is required while many people tend to put down more money for full coverage.
At its most basic form, something like auto insurance has existed since people started living and working cooperatively. When one person invests time and effort into a group, they are ensuring that the group will be there for them in the future. In this way, it can be seen that early human interaction had an implied responsibility. In form at least, it's not unlike paying an insurance premium to ensure that if and when something bad happens, there will be something to fall back on.
Even 3000 to 5000 years ago, Babylonian merchants had to pay an extra fee if they were loaning money from a third party. This fee essentially ensured that the if the shipment was stolen, the loan would be canceled. While this fee might have been pricey, it was still better than paying the full cost of the loan should the shipment meet with doom. As one might expect, there were investigations of insurance fraud around at this time!
In the United States, Benjamin Franklin created the first fire insurance available, going so far as to refuse to insure places that he felt were too much of a fire risk. As you can see, then as now, there are some things that an insurance company might refuse to cover, or refuse to cover completely. As auto insurance might not pay off if some conditions are not met, Benjamin Franklin also stated that if buildings were not kept up and proper precautions were not taken, then the policy holder lost the right to the insurance.
Automobile insurance essentially appeared with the first cars, especially due to the fact that they were, at first, mostly the province of the wealthy. It was seen originally as a form of protecting your investment at that point and then as more and more cars appeared on the road, it became a matter of necessity. When you take into account the fact there are so many cars on the road, it only make sense to demand at least minimal coverage. Auto insurance has a long history, and there's a reason that it has been around for as long as it has!
http://www.automobile-insurance.ws/
11/03/2007
Monthly Car Insurance and Who Needs It?
Car insurance is the most widely purchased type of insurance coverage. Nearly anywhere you go in the world automobile drivers are required to possess car insurance. Car insurance is applicable to all types of automobiles and their drivers. It covers physical damage caused to your vehicle and any other vehicles you might come in contact with.
Having auto insurance coverage can help protect the people and things that are important to you. From liability coverages that help protect you to comprehensive coverage that helps protect the investment in your new car, quality auto insurance coverage is the foundation of a good financial plan. Six criteria with which can help automobile insurance:
1. Safeguard your investment in your automobile 2. Pay for medical expenses in case of an accident 3. Provide financial protection from lawsuits 4. Cover losses caused by uninsured or underinsured drivers 5. Pay for damage due to theft, vandalism or natural disasters 6. Automobile insurance coverage helps you to meet whatever might be coming down the road with a greater peace of mind.
In many countries movement uninsured a vehicle is punishable both the small penalty, and prison term. However movement without insurance can injure you. If you cause accident where someone is wounded, and you have no insurance company on your party to pay under the account, the injured party or their insurer can sue you personally for losses.
Today auto insurance became more accessible online because not visiting agency, you can choose the insurance company and write the detailed information to experts, compare various plans, use online the calculator, to estimate your benefits and expenses, and as to pay.
Monthly car insurance
Each of us collided that to it was necessary to leave on work for business trip, on rest, to family in other country, region or city on the vehicle of movement. But for that to cross border for short-term term presence of a time insurance policy of other country (region) is necessary, and so for this purpose monthly auto insurance which can protect you at a trip from many factors is made out.
- Your cars for damage due to any other thing.
- Vandalism, theft, broken glass, storms, and falling objects.
- The driver, your passengers and your motor-vehicle in the event of a collision with uninsured or underinsured motorists.
- In case you meet an accident with someone having no coverage, or is without adequate insurance coverage to compensate the damage, your loss is paid by your motor-car policy.
- You as well as other people in your car, for medical-care expenses.
- Reasonable medical ( as well as funeral) expenses because of damages due to a collision.
http://www.usa-online-auto-insurance.com
Having auto insurance coverage can help protect the people and things that are important to you. From liability coverages that help protect you to comprehensive coverage that helps protect the investment in your new car, quality auto insurance coverage is the foundation of a good financial plan. Six criteria with which can help automobile insurance:
1. Safeguard your investment in your automobile 2. Pay for medical expenses in case of an accident 3. Provide financial protection from lawsuits 4. Cover losses caused by uninsured or underinsured drivers 5. Pay for damage due to theft, vandalism or natural disasters 6. Automobile insurance coverage helps you to meet whatever might be coming down the road with a greater peace of mind.
In many countries movement uninsured a vehicle is punishable both the small penalty, and prison term. However movement without insurance can injure you. If you cause accident where someone is wounded, and you have no insurance company on your party to pay under the account, the injured party or their insurer can sue you personally for losses.
Today auto insurance became more accessible online because not visiting agency, you can choose the insurance company and write the detailed information to experts, compare various plans, use online the calculator, to estimate your benefits and expenses, and as to pay.
Monthly car insurance
Each of us collided that to it was necessary to leave on work for business trip, on rest, to family in other country, region or city on the vehicle of movement. But for that to cross border for short-term term presence of a time insurance policy of other country (region) is necessary, and so for this purpose monthly auto insurance which can protect you at a trip from many factors is made out.
- Your cars for damage due to any other thing.
- Vandalism, theft, broken glass, storms, and falling objects.
- The driver, your passengers and your motor-vehicle in the event of a collision with uninsured or underinsured motorists.
- In case you meet an accident with someone having no coverage, or is without adequate insurance coverage to compensate the damage, your loss is paid by your motor-car policy.
- You as well as other people in your car, for medical-care expenses.
- Reasonable medical ( as well as funeral) expenses because of damages due to a collision.
http://www.usa-online-auto-insurance.com
Low Auto Insurance Rates In America
by M.C.
Most people want to pay as little as possible for their car insurance and there are a variety of different ways that you can work to lower the amount you are paying for your car insurance in America. Of course being a good driver with an excellent driving record is going to help, but this is not the only thing you can do to keep your insurance premiums affordable. The following are a few tips that can help you get low cost online car insurance quotes in the United States.
Tip #1: Compare Prices
Taking the time to shop around and compare prices is always important. The price of car insurance is going to vary depending on what company you go with, so it can definitely pay off to spend some time comparing the prices. Find out what other insurance companies charge for the same coverage that you already have. Chances are that you can find better low car insurance quotes.
Tip #2: Go With A Higher Deductible
A deductible is the amount of money that you have to pay out before your insurance will pay. When you go with a higher deductible, you can lower the amount that you have to pay each month for your car insurance. Just raising the deductible amount up a couple hundred dollars can really pay off. You may be able to lower your premium by 15-40% if you just decide to go with a deductible that is a bit higher than the one you have now.
Tip #3: Don't Over Cover Your Car
Some people carry expensive coverage on old cars that are not really worth it. If you have an older car, then you may want to drop the expensive comprehensive or collision coverage that you have on it. Many people find that they can save a huge amount of money by going with simple liability coverage for cars that are older and not worth much to them.
Tip #4: Keep Your Credit Looking Good
Believe it or not, your credit history can actually affect how much you are paying for your car insurance. If you keep your credit history in good shape, more than likely you will have to pay less on your premiums. Remember, car insurance companies take a look at your credit, so keep it looking as great as possible.
Tip #5: Ask About Discounts
There are many companies that offer auto insurance discounts; however, you may have to ask about them. Some companies offer low mileage discounts to those who don't drive very many miles each year. There are other companies that offer discounts to people who purchase homeowners or life insurance with the same company. Even good grades, or just being a good driver could get you a discount, so be sure to ask about the discounts you may be eligible for.
Lowering your car insurance is important and these are just a few tips to help you out. Start using all these tips together to get low car insurance rates in America. Before you know it, you'll be saving hundreds of dollars a year on your car insurance premiums.
http://htquotes.com/go/low-car-insurance-rates-in-america
Most people want to pay as little as possible for their car insurance and there are a variety of different ways that you can work to lower the amount you are paying for your car insurance in America. Of course being a good driver with an excellent driving record is going to help, but this is not the only thing you can do to keep your insurance premiums affordable. The following are a few tips that can help you get low cost online car insurance quotes in the United States.
Tip #1: Compare Prices
Taking the time to shop around and compare prices is always important. The price of car insurance is going to vary depending on what company you go with, so it can definitely pay off to spend some time comparing the prices. Find out what other insurance companies charge for the same coverage that you already have. Chances are that you can find better low car insurance quotes.
Tip #2: Go With A Higher Deductible
A deductible is the amount of money that you have to pay out before your insurance will pay. When you go with a higher deductible, you can lower the amount that you have to pay each month for your car insurance. Just raising the deductible amount up a couple hundred dollars can really pay off. You may be able to lower your premium by 15-40% if you just decide to go with a deductible that is a bit higher than the one you have now.
Tip #3: Don't Over Cover Your Car
Some people carry expensive coverage on old cars that are not really worth it. If you have an older car, then you may want to drop the expensive comprehensive or collision coverage that you have on it. Many people find that they can save a huge amount of money by going with simple liability coverage for cars that are older and not worth much to them.
Tip #4: Keep Your Credit Looking Good
Believe it or not, your credit history can actually affect how much you are paying for your car insurance. If you keep your credit history in good shape, more than likely you will have to pay less on your premiums. Remember, car insurance companies take a look at your credit, so keep it looking as great as possible.
Tip #5: Ask About Discounts
There are many companies that offer auto insurance discounts; however, you may have to ask about them. Some companies offer low mileage discounts to those who don't drive very many miles each year. There are other companies that offer discounts to people who purchase homeowners or life insurance with the same company. Even good grades, or just being a good driver could get you a discount, so be sure to ask about the discounts you may be eligible for.
Lowering your car insurance is important and these are just a few tips to help you out. Start using all these tips together to get low car insurance rates in America. Before you know it, you'll be saving hundreds of dollars a year on your car insurance premiums.
http://htquotes.com/go/low-car-insurance-rates-in-america
How to Get Cheap Utah Auto Insurance
by Brian Stevens
Need to get Utah auto insurance? Here's how to get a cheap Utah auto insurance rate with a reliable company.
Minimum Utah Auto Insurance Requirements
In order to drive your car in the state of Utah you need the following insurance coverage:
* $25,000 worth of bodily injury coverage per person for injuries you cause to others.
* $50,000 worth of bodily injury coverage for all injuries you cause.
* $15,000 worth of property damage coverage for damage you cause to the other person's car and property.
* PIP (personal injury protection) coverage to pay for your medical bills and lost wages, no matter who was at fault, when you're involved in an accident.
This is all the insurance you need to get yourself on the road. However, you may want to add the following insurance coverages to your policy:
Optional Auto Insurance Coverages
* Collision coverage pays for repairs to your car when you're involved in an accident no matter who was at fault.
* Comprehensive coverage pays for repairs to your car caused by vandalism, theft, fire, or storms.
* Uninsured motorist coverage pays for you and your family's medical bills plus repairs to your car and property caused by an uninsured, underinsured, or hit-and-run driver.
How to Get Cheap Utah Auto Insurance
Because auto insurance rates can vary dramatically from one company to the next, the first thing you need to do to get a cheap rate is to compare rates from various companies.
If you go online to an insurance comparison website it will only take you a few minutes to get rate quotes from a number of companies. The best of these these websites even have insurance experts on call to answer all of your insurance questions. (See link below.)
In order to get the cheapest rate you can, increase your deductible (the amount you pay toward a claim before your insurer will pay) to the highest amount you can afford. Increasing it from $200 to $1,000 can save you up to half on your insurance premium.
Also, be sure to ask your insurer about the discounts you qualify for and include them in your policy. Some of these discounts include:
* Safe driver discounts for being accident free for three or more years.
* Safety and security discounts for having a car alarm, anti theft device, anti-lock brakes, and air bags.
* Senior discounts for drivers over the age of 55.
* Multiple policy discounts for placing your homeowners and auto insurance policies with the same company.
http://www.LowerRateQuotes.com
Need to get Utah auto insurance? Here's how to get a cheap Utah auto insurance rate with a reliable company.
Minimum Utah Auto Insurance Requirements
In order to drive your car in the state of Utah you need the following insurance coverage:
* $25,000 worth of bodily injury coverage per person for injuries you cause to others.
* $50,000 worth of bodily injury coverage for all injuries you cause.
* $15,000 worth of property damage coverage for damage you cause to the other person's car and property.
* PIP (personal injury protection) coverage to pay for your medical bills and lost wages, no matter who was at fault, when you're involved in an accident.
This is all the insurance you need to get yourself on the road. However, you may want to add the following insurance coverages to your policy:
Optional Auto Insurance Coverages
* Collision coverage pays for repairs to your car when you're involved in an accident no matter who was at fault.
* Comprehensive coverage pays for repairs to your car caused by vandalism, theft, fire, or storms.
* Uninsured motorist coverage pays for you and your family's medical bills plus repairs to your car and property caused by an uninsured, underinsured, or hit-and-run driver.
How to Get Cheap Utah Auto Insurance
Because auto insurance rates can vary dramatically from one company to the next, the first thing you need to do to get a cheap rate is to compare rates from various companies.
If you go online to an insurance comparison website it will only take you a few minutes to get rate quotes from a number of companies. The best of these these websites even have insurance experts on call to answer all of your insurance questions. (See link below.)
In order to get the cheapest rate you can, increase your deductible (the amount you pay toward a claim before your insurer will pay) to the highest amount you can afford. Increasing it from $200 to $1,000 can save you up to half on your insurance premium.
Also, be sure to ask your insurer about the discounts you qualify for and include them in your policy. Some of these discounts include:
* Safe driver discounts for being accident free for three or more years.
* Safety and security discounts for having a car alarm, anti theft device, anti-lock brakes, and air bags.
* Senior discounts for drivers over the age of 55.
* Multiple policy discounts for placing your homeowners and auto insurance policies with the same company.
http://www.LowerRateQuotes.com
11/02/2007
Comparing Car Insurance Rate Guide
By Jeff Plante
Have you had trouble finding the best rate for your car insurance? Maybe you just do not know where to begin when it comes to finding the best deals on car insurance. Fortunately, there are a number of great means of comparing car insurance rate deals in order to get the best policy at the lowest price.
Where can I compare car insurance rates?
Thanks to the internet, there has never been a better way of finding the best deals on just about anything, including auto insurance. The internet has a wealth of information available, along with a number of sites that allow you to compare different car insurance rates from a number of insurance providers. There really is not a better or easier way of finding the lowest insurance rate possible.
When you have the ability to compare different rates, you are in the perfect position to actually determine what a good rate actually is. Having the option to compare all of the different insurance rates available allows you to find one that best suits your needs and saves you money at the same time.
How easy is it to compare car insurance rates?
Using the internet, you would not believe how simple it is comparing car insurance rate offerings. The entire process can actually be done in a matter of minutes from the convenience of your home. You have the option of visiting each insurance provider's website and getting a quote from there, or visit a site that will compare rates from many different providers at once.
Some websites allow you to enter your information and than they will provide a selection of the cheapest car insurance rate quotes from numerous insurance companies. This is truly the easiest way to find the best auto insurance rates available to you.
What if I do not have internet access to compare rates?
If you do not have access to the the internet, you can use the phone when comparing car insurance rate deals. You can also visit the physical offices of each of the companies to get a quote. This can be quite time consuming, but it is still a decent method to comparing different rates if you do not have access to the internet or a phone.
As you can see, there are a number of ways to comparing car insurance rates and doing so will allow you to get the absolute best deal on your new policy.
http://www.BargainAutoRates.com
Have you had trouble finding the best rate for your car insurance? Maybe you just do not know where to begin when it comes to finding the best deals on car insurance. Fortunately, there are a number of great means of comparing car insurance rate deals in order to get the best policy at the lowest price.
Where can I compare car insurance rates?
Thanks to the internet, there has never been a better way of finding the best deals on just about anything, including auto insurance. The internet has a wealth of information available, along with a number of sites that allow you to compare different car insurance rates from a number of insurance providers. There really is not a better or easier way of finding the lowest insurance rate possible.
When you have the ability to compare different rates, you are in the perfect position to actually determine what a good rate actually is. Having the option to compare all of the different insurance rates available allows you to find one that best suits your needs and saves you money at the same time.
How easy is it to compare car insurance rates?
Using the internet, you would not believe how simple it is comparing car insurance rate offerings. The entire process can actually be done in a matter of minutes from the convenience of your home. You have the option of visiting each insurance provider's website and getting a quote from there, or visit a site that will compare rates from many different providers at once.
Some websites allow you to enter your information and than they will provide a selection of the cheapest car insurance rate quotes from numerous insurance companies. This is truly the easiest way to find the best auto insurance rates available to you.
What if I do not have internet access to compare rates?
If you do not have access to the the internet, you can use the phone when comparing car insurance rate deals. You can also visit the physical offices of each of the companies to get a quote. This can be quite time consuming, but it is still a decent method to comparing different rates if you do not have access to the internet or a phone.
As you can see, there are a number of ways to comparing car insurance rates and doing so will allow you to get the absolute best deal on your new policy.
http://www.BargainAutoRates.com
Teen Car Crash - The Impact On Your Insurance Rates
By Hector Quiroga
A teen car crash can make your insurance rates soar! Many agents will tell you to not file claim and to fix your car yourself. I struggled with this question for a long time. Not filling a claim can leave you in a very bad position. You have an affirmative duty to report any and all losses to your insurance company (note: the insurance company and not the insurance agent), and if you don't, they will not cover your loss (or provide you with a lawyer if you need one).
However, in the situation a teen car crash or collision, your rates can shoot up and make you wish you just pay out of pocket (hell, you might even come ahead). The questions then are: should you file if your teen wrecks your or his car? How much will your rates go up?
The answer is depends. If you teen car crash is a simple hit against your garage door or scratches to the door when unloading groceries then you should probably fix your car yourself. Once a claim is reported, the claims department will report to the underwriting department. Underwriting will ding you regardless if the insurance company pays or not (unless they pay a lot, in which case they will really ding you).
The circumstances of the accident are also important. Why was your teen driving the car? Was it because he does this all the time or s/he just took it without permission? If your claim will display "distrust" or "lack of respect" for you, your insurance company will be very concerned (your rates will be "adjusted"). If there is any indication that your teenager was under the influence of alcohol, then your insurance company might not even renew your policy (or even cancel you).
The reasons above are some of the strong reasons why you should not file a claim in a teen car crash situation. However, there are strong reasons why you should go ahead and file. If there is a passenger or other parties involved, you should always file the claim. If your teen is with a friend, it will probably be another teen, in which case the parents of the second teen will want the kid to go to the doctor. As soon as this happens, a bodily injury claim will be triggered against you. You can end up not having to pay for medical bills, but pain and suffering, general damages and a legal defense.
This applies if there is a third party involved. If your teen car crash was clearly not his/her fault, it does not matter; your teen will be blamed for it. Also remember, teens tend to "skew" the truth. I know that most people will say that their teen would never do that, after all, they are honor students. Even if that is the case, your teen will still be blamed, so you still would want to notify the insurance claims department. That way if you need an attorney to defend a frivolous lawsuit, the insurance company would have to pay for it.
It is a good idea to not report your teen car crash when there is only one person involved (your teen), the damages are minor (you can pay them out of pocket), and you know all the accident circumstances, however, if there is a passenger of a third party, you are better of calling and reporting the claim even if you rates go up.
http://www.auto-insurance-claim-advice.com/.
A teen car crash can make your insurance rates soar! Many agents will tell you to not file claim and to fix your car yourself. I struggled with this question for a long time. Not filling a claim can leave you in a very bad position. You have an affirmative duty to report any and all losses to your insurance company (note: the insurance company and not the insurance agent), and if you don't, they will not cover your loss (or provide you with a lawyer if you need one).
However, in the situation a teen car crash or collision, your rates can shoot up and make you wish you just pay out of pocket (hell, you might even come ahead). The questions then are: should you file if your teen wrecks your or his car? How much will your rates go up?
The answer is depends. If you teen car crash is a simple hit against your garage door or scratches to the door when unloading groceries then you should probably fix your car yourself. Once a claim is reported, the claims department will report to the underwriting department. Underwriting will ding you regardless if the insurance company pays or not (unless they pay a lot, in which case they will really ding you).
The circumstances of the accident are also important. Why was your teen driving the car? Was it because he does this all the time or s/he just took it without permission? If your claim will display "distrust" or "lack of respect" for you, your insurance company will be very concerned (your rates will be "adjusted"). If there is any indication that your teenager was under the influence of alcohol, then your insurance company might not even renew your policy (or even cancel you).
The reasons above are some of the strong reasons why you should not file a claim in a teen car crash situation. However, there are strong reasons why you should go ahead and file. If there is a passenger or other parties involved, you should always file the claim. If your teen is with a friend, it will probably be another teen, in which case the parents of the second teen will want the kid to go to the doctor. As soon as this happens, a bodily injury claim will be triggered against you. You can end up not having to pay for medical bills, but pain and suffering, general damages and a legal defense.
This applies if there is a third party involved. If your teen car crash was clearly not his/her fault, it does not matter; your teen will be blamed for it. Also remember, teens tend to "skew" the truth. I know that most people will say that their teen would never do that, after all, they are honor students. Even if that is the case, your teen will still be blamed, so you still would want to notify the insurance claims department. That way if you need an attorney to defend a frivolous lawsuit, the insurance company would have to pay for it.
It is a good idea to not report your teen car crash when there is only one person involved (your teen), the damages are minor (you can pay them out of pocket), and you know all the accident circumstances, however, if there is a passenger of a third party, you are better of calling and reporting the claim even if you rates go up.
http://www.auto-insurance-claim-advice.com/.
11/01/2007
The Benefits of Getting Auto Insurance Online
by Brian Stevens
Have you been thinking about buying auto insurance online but aren't sure whether it's the best way to go? There are many benefits to buying auto insurance online. Once you try it, you'll wonder why you waited so long!
Buying Auto Insurance Online Saves You Money
You may think all insurance companies are the same, but they aren't. Premiums for insurance policies with the same coverage can vary by hundreds of dollars from one insurance company to another. By shopping for auto insurance online, you can quickly and easily compare quotes from multiple companies and be sure you're getting the best price possible.
Buying Auto Insurance Online Saves You Time
Of course, you can compare quotes from multiple insurance companies without going online. However, it could take you hours on the phone calling insurance agents, or visiting insurance offices, to get the same number of quotes you can get from one quick visit to an insurance comparison website.
Buying Auto Insurance Online is Safe and Reliable
When you go to an insurance comparison website to buy auto insurance online, you know that the companies have already passed a ratings test. This means that you will only get quotes from companies with an A rating - companies that are reliable, responsible, and financially sound.
Buying Auto Insurance Online is Easy
All you need to do to buy auto insurance online is to go to an insurance comparison website and type in some basic information about yourself, your vehicles, and your insurance needs. Then just sit back and wait for quotes from multiple insurance companies to arrive. Once you have your quotes, you review them and choose the company with the best price and policy for you.
http://www.goarticles.com/cgi-bin/showa.cgi?C=667897
Have you been thinking about buying auto insurance online but aren't sure whether it's the best way to go? There are many benefits to buying auto insurance online. Once you try it, you'll wonder why you waited so long!
Buying Auto Insurance Online Saves You Money
You may think all insurance companies are the same, but they aren't. Premiums for insurance policies with the same coverage can vary by hundreds of dollars from one insurance company to another. By shopping for auto insurance online, you can quickly and easily compare quotes from multiple companies and be sure you're getting the best price possible.
Buying Auto Insurance Online Saves You Time
Of course, you can compare quotes from multiple insurance companies without going online. However, it could take you hours on the phone calling insurance agents, or visiting insurance offices, to get the same number of quotes you can get from one quick visit to an insurance comparison website.
Buying Auto Insurance Online is Safe and Reliable
When you go to an insurance comparison website to buy auto insurance online, you know that the companies have already passed a ratings test. This means that you will only get quotes from companies with an A rating - companies that are reliable, responsible, and financially sound.
Buying Auto Insurance Online is Easy
All you need to do to buy auto insurance online is to go to an insurance comparison website and type in some basic information about yourself, your vehicles, and your insurance needs. Then just sit back and wait for quotes from multiple insurance companies to arrive. Once you have your quotes, you review them and choose the company with the best price and policy for you.
http://www.goarticles.com/cgi-bin/showa.cgi?C=667897
10/30/2007
Cheap car loans: opportunity at low cost to buy a car
By: Aldrich Chappel
Cheap car loans provide money to the borrowers at very low rates of interest. They can use this money to buy a new car or a used car. The used that the borrower wants to buy should not be more than 5 years old as after that duration, market value of the car decreases and it requires expenditure on maintenance as well.
The repayment term for cheap car loans is 5-7 years. During this term, the borrower has to pay the interest money along with the monthly installment of the loan amount. Cheap car loans can be obtained through secured and unsecured options. Through the secured cheap car loans, the borrower can obtain an even lower rate as an asset of the borrower is required to be pledged as collateral with the lender. This asset provides a guarantee to the lender of repayment of the loan amount. This fetches the borrower a lower rate of interest.
Through unsecured cheap car loans, the borrower does not have to place any collateral with the lender. The loan is totally collateral-free and he gets money just on the basis of good faith that he will repay the loans. Due to absence of collateral, the rate of interest is slightly higher than the secured loans. This rate can be lowered by proper researching for a good loan lender of cheap car loans. This research can be conducted online for cheap car loans.
With cheap car loans, now you do not have to think much before buying a car and need not be afraid of any burden on your shoulders. Be a proud owner of a car with cheap car loans.
Article Source: http://add-articles.com
Cheap car loans provide money to the borrowers at very low rates of interest. They can use this money to buy a new car or a used car. The used that the borrower wants to buy should not be more than 5 years old as after that duration, market value of the car decreases and it requires expenditure on maintenance as well.
The repayment term for cheap car loans is 5-7 years. During this term, the borrower has to pay the interest money along with the monthly installment of the loan amount. Cheap car loans can be obtained through secured and unsecured options. Through the secured cheap car loans, the borrower can obtain an even lower rate as an asset of the borrower is required to be pledged as collateral with the lender. This asset provides a guarantee to the lender of repayment of the loan amount. This fetches the borrower a lower rate of interest.
Through unsecured cheap car loans, the borrower does not have to place any collateral with the lender. The loan is totally collateral-free and he gets money just on the basis of good faith that he will repay the loans. Due to absence of collateral, the rate of interest is slightly higher than the secured loans. This rate can be lowered by proper researching for a good loan lender of cheap car loans. This research can be conducted online for cheap car loans.
With cheap car loans, now you do not have to think much before buying a car and need not be afraid of any burden on your shoulders. Be a proud owner of a car with cheap car loans.
Article Source: http://add-articles.com
How to Find the Cheapest Auto Insurance Online
by Brian Stevens
There are a ton of companies offering cheap auto insurance, but how do you know it's really cheap? And how do you know the insurance company is reliable? Here's how to get the cheapest auto insurance online with a reliable company.
Comparison Shop
Finding the cheapest auto insurance online is a matter of comparing rates from different auto insurance companies. You can spend hours of your time calling local agencies or visiting insurance company websites to get auto insurance rate quotes, or you can spend a few minutes at an insurance comparison website where you can get multiple quotes from top companies.
All you have to do to get your quotes is fill out a simple questionnaire with your insurance information and the amount of auto insurance coverage you want, then wait to get your quotes.
The best insurance comparison sites feature a chat service that lets you get answers to your insurance questions from an insurance expert. They also have an Articles section where you can get money-saving tips and information. (See link below.)
Check Ratings
When you find an insurance company with the best rate, make sure you check it out to see if it's reliable and will provide you with good customer service.
You can check out a company's financial rating at A.M. Best's website - ambest.com. And you can check out a company's customer service rating at J.D. Power and Associate's website - jdpower.com.
Increase Your Deductible
The deductible is the amount of money you must pay before your insurance company will pay your claim. Make sure to get the highest deductible you can afford, because the higher you set your deductible, the cheaper your insurance premium will be.
For example, raising your insurance deductible from $250 to $500 could save you up to 30% on your premium, while raising it to $1,000 could save you up to 50%.
Ask for Discounts
Insurance companies offer numerous discounts. Some of these discounts include:
* Multiple policy discount for placing your homeowners or renters insurance and your auto insurance with the same insurance company.
* Safety and security discount for having burglar alarms, ant-theft devices, airbags, and anti-lock brakes.
* Low mileage discount for driving less miles than the average driver.
* Safe driver discount for having an accident-free driving record for three straight years.
* Senior discount for being over the age of 50.
Before you purchase your auto insurance, ask your insurer about all the discounts they offer and take advantage of all the ones you quality for.
http://www.goarticles.com/cgi-bin/showa.cgi?C=665261
There are a ton of companies offering cheap auto insurance, but how do you know it's really cheap? And how do you know the insurance company is reliable? Here's how to get the cheapest auto insurance online with a reliable company.
Comparison Shop
Finding the cheapest auto insurance online is a matter of comparing rates from different auto insurance companies. You can spend hours of your time calling local agencies or visiting insurance company websites to get auto insurance rate quotes, or you can spend a few minutes at an insurance comparison website where you can get multiple quotes from top companies.
All you have to do to get your quotes is fill out a simple questionnaire with your insurance information and the amount of auto insurance coverage you want, then wait to get your quotes.
The best insurance comparison sites feature a chat service that lets you get answers to your insurance questions from an insurance expert. They also have an Articles section where you can get money-saving tips and information. (See link below.)
Check Ratings
When you find an insurance company with the best rate, make sure you check it out to see if it's reliable and will provide you with good customer service.
You can check out a company's financial rating at A.M. Best's website - ambest.com. And you can check out a company's customer service rating at J.D. Power and Associate's website - jdpower.com.
Increase Your Deductible
The deductible is the amount of money you must pay before your insurance company will pay your claim. Make sure to get the highest deductible you can afford, because the higher you set your deductible, the cheaper your insurance premium will be.
For example, raising your insurance deductible from $250 to $500 could save you up to 30% on your premium, while raising it to $1,000 could save you up to 50%.
Ask for Discounts
Insurance companies offer numerous discounts. Some of these discounts include:
* Multiple policy discount for placing your homeowners or renters insurance and your auto insurance with the same insurance company.
* Safety and security discount for having burglar alarms, ant-theft devices, airbags, and anti-lock brakes.
* Low mileage discount for driving less miles than the average driver.
* Safe driver discount for having an accident-free driving record for three straight years.
* Senior discount for being over the age of 50.
Before you purchase your auto insurance, ask your insurer about all the discounts they offer and take advantage of all the ones you quality for.
http://www.goarticles.com/cgi-bin/showa.cgi?C=665261
10/29/2007
Car Insurance Policy: A Short Episode on Various Car Insurance Policies
by David Faulkner
There are many things to take into consideration when attempting to choose the best car insurance policy for your insurance needs. The most important item is the experience of the company from which you are taking car insurance policy. Some insurance companies' policies are nothing more than facades to take your hard earned money.
They have no experience in the car insurance industry and have no intention of ever paying an insurance claim. By choosing a company with experience and, ideally, a large presence in the industry, you will ensure that you are dealing with a reputable company that stands by its claims.
At that time, people with Car insurance policy still had to contact as agent to insure vehicles, however the company began offering online quotes and service for motorcycles, boats and recreational vehicles, the first company to do so. Since then, the response for insurance for these types of vehicles has continued to grow.
Fender-bender about Car Insurance Policy:
Car Insurance Policy is a very important item these days. It is so important that some states have required that every citizen that holds a driver's license has to be insured by a Car Insurance Policies to legally drive on their roads. There are many car insurance company policies in the industry right now that are competing for your business. So how do you know you are choosing the car insurance policy to fit your car insurance policy needs?
Private Damage Security:
This is the component of a car insurance policy that has to do with private damage security from of damage to the policyholder and the inhabitant of the underwrite automobile. For delicate wound shelter you really need to take some time and give your own person position some watchful thought, so that you can judge the in general impact that an misfortune connecting wound could importance in having on you and your dear ones. It may be repugnant, but by doing this you will be able to make sure that you are properly protected.
Conversely, it does not have to be your car insurance policy that provides you with the financial windfall that will divert economic disaster in the face of a liability claim. How can this be? Because if the other driver is at fault and is properly insured, then you will be able to collect money that you would never had been able to collect if the driver was uninsured. Hence, information about car information policy is mandatory.
Finding the best deal on car insurance policy is a great way to save money. Everyone who drives needs car insurance policy, after all, but that doesn't mean you have to pay a fortune for it. Just by doing a car insurance comparison of car information policy, you could find yourself saving hundreds of dollars a year or even more.
http://www.autocarinsurancehelp.org/California_Automobile_Insurance/
There are many things to take into consideration when attempting to choose the best car insurance policy for your insurance needs. The most important item is the experience of the company from which you are taking car insurance policy. Some insurance companies' policies are nothing more than facades to take your hard earned money.
They have no experience in the car insurance industry and have no intention of ever paying an insurance claim. By choosing a company with experience and, ideally, a large presence in the industry, you will ensure that you are dealing with a reputable company that stands by its claims.
At that time, people with Car insurance policy still had to contact as agent to insure vehicles, however the company began offering online quotes and service for motorcycles, boats and recreational vehicles, the first company to do so. Since then, the response for insurance for these types of vehicles has continued to grow.
Fender-bender about Car Insurance Policy:
Car Insurance Policy is a very important item these days. It is so important that some states have required that every citizen that holds a driver's license has to be insured by a Car Insurance Policies to legally drive on their roads. There are many car insurance company policies in the industry right now that are competing for your business. So how do you know you are choosing the car insurance policy to fit your car insurance policy needs?
Private Damage Security:
This is the component of a car insurance policy that has to do with private damage security from of damage to the policyholder and the inhabitant of the underwrite automobile. For delicate wound shelter you really need to take some time and give your own person position some watchful thought, so that you can judge the in general impact that an misfortune connecting wound could importance in having on you and your dear ones. It may be repugnant, but by doing this you will be able to make sure that you are properly protected.
Conversely, it does not have to be your car insurance policy that provides you with the financial windfall that will divert economic disaster in the face of a liability claim. How can this be? Because if the other driver is at fault and is properly insured, then you will be able to collect money that you would never had been able to collect if the driver was uninsured. Hence, information about car information policy is mandatory.
Finding the best deal on car insurance policy is a great way to save money. Everyone who drives needs car insurance policy, after all, but that doesn't mean you have to pay a fortune for it. Just by doing a car insurance comparison of car information policy, you could find yourself saving hundreds of dollars a year or even more.
http://www.autocarinsurancehelp.org/California_Automobile_Insurance/
The Prime Reason Why You Need Auto Insurance
by zhafran
Auto insurance refers to the insurance that is ordinary for insuring all types of vehicles against all kinds of doubts that may cause bodily damage to the vehicle. The prime reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents. Auto insurance is available for consumers who want to buy such insurance, to protect the life span of their vehicles and also for recovering the amount of the damage that the vehicle survives. They usually buy these insurances for all kind of automobiles like cars, trucks and other kind of vehicles. Different kinds of coverage's have been started by the insurance companies, to suit the interests and the needs of the insured.
Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical. The consumer can save a good deal, while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.
Auto insurance quotes from different companies can be compared on the internet, for buying the best available auto insurance, it provides a wider platform to the consumer, where he can easily access and compare quotes from several companies and choose one among them. The consumer should not only compare the quotes of different companies but also companies, their reputation and their way of service.
The major noise about auto insurance is the increasing reckless accidents that are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depends of various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposed to be used in the area and also many other factors. The details regarding the car like its parking place, whether it has a garage because that reduces the risk of being stolen or damaged. Also the mileage of the car is a deciding factor of the quoting the price of insurance.
http://www.goarticles.com/cgi-bin/showa.cgi?C=664360
Auto insurance refers to the insurance that is ordinary for insuring all types of vehicles against all kinds of doubts that may cause bodily damage to the vehicle. The prime reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents. Auto insurance is available for consumers who want to buy such insurance, to protect the life span of their vehicles and also for recovering the amount of the damage that the vehicle survives. They usually buy these insurances for all kind of automobiles like cars, trucks and other kind of vehicles. Different kinds of coverage's have been started by the insurance companies, to suit the interests and the needs of the insured.
Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical. The consumer can save a good deal, while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.
Auto insurance quotes from different companies can be compared on the internet, for buying the best available auto insurance, it provides a wider platform to the consumer, where he can easily access and compare quotes from several companies and choose one among them. The consumer should not only compare the quotes of different companies but also companies, their reputation and their way of service.
The major noise about auto insurance is the increasing reckless accidents that are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depends of various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposed to be used in the area and also many other factors. The details regarding the car like its parking place, whether it has a garage because that reduces the risk of being stolen or damaged. Also the mileage of the car is a deciding factor of the quoting the price of insurance.
http://www.goarticles.com/cgi-bin/showa.cgi?C=664360
10/28/2007
Car Insurance – Different Plans for Different People
By: Smith James
The euphoria that your first car ever brings along is lugged down when you think about insurance or go about getting your car insured. The high premium rates are simply too heavy for you and they do not go your monthly expenditures. You try negotiating with your agent, but then there are less chances you pull off a good deal.
Surviving in a city where the prices are as high as the speed of life, you somehow manage to make ends meet. With such high premiums on your car insurance, you simply can not imagine a good life. And then since it is your first car and you choose to drive very cautiously, all you claim for are just minor accidents.
But now some of the insurance companies are considering this and with a particular section of people in UK in their mind, they have developed beneficial plans for them. For instance, there are insurance companies which have devised special car insurance premiums for women and for young adults. These premiums are small and in tune with the monthly expenditures of people falling in these categories.
Some of the companies have separate plans for women and for young adults. However, some of them have similar plans for both the category. These plans are different from those car insurance plans that are designed for adult males. This difference is due to different driving habits that each kind of people have. Usually women are more cautious and drive shorter distances than their male counterparts.
Car insurance are meant to make the drivers feel safe and secure so that they can drive as well as live happily. And it is due to this reason that many insurance companies have developed different plans for different people. You can find your car insurance plan with the help of some helpful sites or search engines.
Article Source: http://www.ArticleBiz.com
The euphoria that your first car ever brings along is lugged down when you think about insurance or go about getting your car insured. The high premium rates are simply too heavy for you and they do not go your monthly expenditures. You try negotiating with your agent, but then there are less chances you pull off a good deal.
Surviving in a city where the prices are as high as the speed of life, you somehow manage to make ends meet. With such high premiums on your car insurance, you simply can not imagine a good life. And then since it is your first car and you choose to drive very cautiously, all you claim for are just minor accidents.
But now some of the insurance companies are considering this and with a particular section of people in UK in their mind, they have developed beneficial plans for them. For instance, there are insurance companies which have devised special car insurance premiums for women and for young adults. These premiums are small and in tune with the monthly expenditures of people falling in these categories.
Some of the companies have separate plans for women and for young adults. However, some of them have similar plans for both the category. These plans are different from those car insurance plans that are designed for adult males. This difference is due to different driving habits that each kind of people have. Usually women are more cautious and drive shorter distances than their male counterparts.
Car insurance are meant to make the drivers feel safe and secure so that they can drive as well as live happily. And it is due to this reason that many insurance companies have developed different plans for different people. You can find your car insurance plan with the help of some helpful sites or search engines.
Article Source: http://www.ArticleBiz.com
Car Insurance : Not Just Low Premiums, Consider Policy Flexibility Also
By: Smith James
If you have a car, you would require to go for car insurance. This is an essential deal to ensure that your car is protected against the natural wear and tear it faces as it runs the miles, as also to cover damages possible in case of any road collision. But then, it is also important not to fall for costly insurance deals. But for that you need to make a little preparation on your own. There are ways to go about it.
Safe driver profile is one thing that almost every car insurance company looks out for. Young drivers in the age group of 20 and 30 may find it more difficult to get a lower-priced insurance policy because of their conventional image, backed by statistics, as being risky drivers and thus their potentially higher cost to the insurance company.
But then, there are numerous ways to be eligible for cheap car insurance deals. You may even join a safe drivers' club. This improves upon your credibility. You can also employ safety devices to enhance protection for your car against thefts. Anti-theft devices and your safe driving record prove that you are serious about caring for your car and thus are a safe customer for car insurance.
When you go for car insurance, make sure the terms and conditions are clear to you. You never would want to be caught up in an insurance act where you are not even sure of what exactly you are getting, just for the sake of getting a cheap car insurance. Premiums is one thing and good flexibility is another. It is ideal that the insurance policy covers as many conditions as possible so that you do not have to face trouble later on. After all, it is no use going for a low-premium insurance, and the same not working for you when you need it since insurance claim being turned down can be really disappointing.
Article Source: http://www.ArticleBiz.com
If you have a car, you would require to go for car insurance. This is an essential deal to ensure that your car is protected against the natural wear and tear it faces as it runs the miles, as also to cover damages possible in case of any road collision. But then, it is also important not to fall for costly insurance deals. But for that you need to make a little preparation on your own. There are ways to go about it.
Safe driver profile is one thing that almost every car insurance company looks out for. Young drivers in the age group of 20 and 30 may find it more difficult to get a lower-priced insurance policy because of their conventional image, backed by statistics, as being risky drivers and thus their potentially higher cost to the insurance company.
But then, there are numerous ways to be eligible for cheap car insurance deals. You may even join a safe drivers' club. This improves upon your credibility. You can also employ safety devices to enhance protection for your car against thefts. Anti-theft devices and your safe driving record prove that you are serious about caring for your car and thus are a safe customer for car insurance.
When you go for car insurance, make sure the terms and conditions are clear to you. You never would want to be caught up in an insurance act where you are not even sure of what exactly you are getting, just for the sake of getting a cheap car insurance. Premiums is one thing and good flexibility is another. It is ideal that the insurance policy covers as many conditions as possible so that you do not have to face trouble later on. After all, it is no use going for a low-premium insurance, and the same not working for you when you need it since insurance claim being turned down can be really disappointing.
Article Source: http://www.ArticleBiz.com
10/27/2007
Cheap Car Insurance - The Best You Can Get
by Allan Elvin
There is a better and cheaper way to ensure that your car is at the best of its health than just rolling down the wheels according to the guidelines prescribed for you. But, you have to earn your way to it and the only way you can do it is by following some of the simplest rules set out for the purpose. In any case, the advantages of owning such a useful method should be inspiration enough for car owners to follow the steps diligently.
As a precautionary measure to be prepared for any unpleasant situations in the future, the car insurance has been introduced by the insurance industry as an essential element for all car owners. With the right approach, this insurance can take a really affordable nature provided a few details are taken care of. You can get hold of a cheap car insurance with highly low premiums if you fall under the lower risk category, which is determined by your driving history.
During the ownership of the car, if you have a good driving history and have maintained your vehicle in the best way possible, then you definitely fall under the low risk category. Factors like the make and model of the car, the number of people who have driven it, the purpose it has served and the place where it remains parked go a long way into the construction of the insurance payment.
http://www.look4insurances.co.uk/cheap_car_insurance.php
There is a better and cheaper way to ensure that your car is at the best of its health than just rolling down the wheels according to the guidelines prescribed for you. But, you have to earn your way to it and the only way you can do it is by following some of the simplest rules set out for the purpose. In any case, the advantages of owning such a useful method should be inspiration enough for car owners to follow the steps diligently.
As a precautionary measure to be prepared for any unpleasant situations in the future, the car insurance has been introduced by the insurance industry as an essential element for all car owners. With the right approach, this insurance can take a really affordable nature provided a few details are taken care of. You can get hold of a cheap car insurance with highly low premiums if you fall under the lower risk category, which is determined by your driving history.
During the ownership of the car, if you have a good driving history and have maintained your vehicle in the best way possible, then you definitely fall under the low risk category. Factors like the make and model of the car, the number of people who have driven it, the purpose it has served and the place where it remains parked go a long way into the construction of the insurance payment.
http://www.look4insurances.co.uk/cheap_car_insurance.php
Where to Get Cheap Competitive Quotes on Car Insurance
by Brian Stevens
Are you paying too much for your car insurance? If you haven't done any comparison shopping lately, or if you're looking for cheap car insurance, you need to get some competitive quotes. You may be surprised to find how much you can save every year just by switching to a different insurance company.
Shop Online
The number one easiest way to find competitive quotes on car insurance is to go to an insurance comparison website. On such a website, you type in information about yourself, your vehicles, and your insurance needs. One simple form - that's it!
On the best insurance comparison websites, you can even talk with insurance professionals and get answers to all your insurance questions, plus get advice on how to lower your insurance premium. (See link below.)
Choose the Best Company
Once you submit your information to the website, you'll begin to receive insurance quotes from multiple A-rated insurance companies. You'll be able to sift through the quotes on your own time and choose the one that's best for you.
As part of this process, you'll want to make sure the companies you're looking at are financially sound and offer good customer service. To find out more about each insurance company ...
* Visit your state's Department of Insurance website to see if any complaints have been lodged against the company.
* Look at consumer satisfaction surveys for auto insurance companies on J.D. Power and Associate's website (jdpower.com).
* Go to A.M. Best's website (ambest.com) to check out the financial strength of the insurance company.
Ask About Discounts
Once you've chosen an insurance company, make sure you get all the discounts you are eligible for. Insurance companies offer discounts for safety equipment, a good driving record, a good credit score, good grades for students, low mileage, and insuring your auto and home with the same company. In addition, some companies offer discounts to people in certain occupations or particular professional affiliations. These discounts can save you substantial amounts of money.
http://www.goarticles.com/cgi-bin/showa.cgi?C=662451
Are you paying too much for your car insurance? If you haven't done any comparison shopping lately, or if you're looking for cheap car insurance, you need to get some competitive quotes. You may be surprised to find how much you can save every year just by switching to a different insurance company.
Shop Online
The number one easiest way to find competitive quotes on car insurance is to go to an insurance comparison website. On such a website, you type in information about yourself, your vehicles, and your insurance needs. One simple form - that's it!
On the best insurance comparison websites, you can even talk with insurance professionals and get answers to all your insurance questions, plus get advice on how to lower your insurance premium. (See link below.)
Choose the Best Company
Once you submit your information to the website, you'll begin to receive insurance quotes from multiple A-rated insurance companies. You'll be able to sift through the quotes on your own time and choose the one that's best for you.
As part of this process, you'll want to make sure the companies you're looking at are financially sound and offer good customer service. To find out more about each insurance company ...
* Visit your state's Department of Insurance website to see if any complaints have been lodged against the company.
* Look at consumer satisfaction surveys for auto insurance companies on J.D. Power and Associate's website (jdpower.com).
* Go to A.M. Best's website (ambest.com) to check out the financial strength of the insurance company.
Ask About Discounts
Once you've chosen an insurance company, make sure you get all the discounts you are eligible for. Insurance companies offer discounts for safety equipment, a good driving record, a good credit score, good grades for students, low mileage, and insuring your auto and home with the same company. In addition, some companies offer discounts to people in certain occupations or particular professional affiliations. These discounts can save you substantial amounts of money.
http://www.goarticles.com/cgi-bin/showa.cgi?C=662451
8 Basic Auto Insurance Terms You Need to Know
by Jim Herren
There are eight basic auto insurance terms that will help you understand your auto insurance. These basic terms will allow you to at least be familiar with what you are purchasing and what your policy will pay if you are in an accident. Number 8 is very most important and deserves extra attention.
1. Premium Your Premium is the cost of your insurance policy. Most companies allow you to pay by the month as well six months or yearly.
2. Claim If you get into an accident your claim is a demand for payment under your insurance policy. What you will receive is based on the terms, limits, and conditions of your policy.
3. Deductible Your out of pocket cost when making a claim. You decide when you purchase your policy what your deductible will be. A higher deductible will lower your Premium
4. Collision Coverage known as "Collision" Pays for the repairs to your car when it hits, or is hit by another vehicle or object.
5. Comprehensive Physical Damage Known as "Comprehensive" pays for damage other than a collision. Such as a fire, auto theft, flood or vandalism.
6. Property Damage Liability Pays for damage to other peoples property or auto when your vehicle causes the damage.
7 Bodily Injury Liability This coverage protects you if you injure someone while operating your vehicle.
8. Subject To This term takes the most study and will pay off when you review it before you are involved in an accident. It is often seen as "Subject to the terms, limits and conditions of your policy." it is the meat of your policy and will tell you exactly what will happen, when it will happen, and how much you will be paid should you have an accident.
https://www.hometownquotes.com/index.cfm?action=affiliateauto1&affid=1517&camp=Best%20Quotes
Your auto insurance is a contract between you and your insurance company. It is important to know the basics and to review the "Subject To" provisions so that there are no surprises if you are involved in an accident. A few minutes spent with your agent reviewing the details of your policy is time well spent.
There are eight basic auto insurance terms that will help you understand your auto insurance. These basic terms will allow you to at least be familiar with what you are purchasing and what your policy will pay if you are in an accident. Number 8 is very most important and deserves extra attention.
1. Premium Your Premium is the cost of your insurance policy. Most companies allow you to pay by the month as well six months or yearly.
2. Claim If you get into an accident your claim is a demand for payment under your insurance policy. What you will receive is based on the terms, limits, and conditions of your policy.
3. Deductible Your out of pocket cost when making a claim. You decide when you purchase your policy what your deductible will be. A higher deductible will lower your Premium
4. Collision Coverage known as "Collision" Pays for the repairs to your car when it hits, or is hit by another vehicle or object.
5. Comprehensive Physical Damage Known as "Comprehensive" pays for damage other than a collision. Such as a fire, auto theft, flood or vandalism.
6. Property Damage Liability Pays for damage to other peoples property or auto when your vehicle causes the damage.
7 Bodily Injury Liability This coverage protects you if you injure someone while operating your vehicle.
8. Subject To This term takes the most study and will pay off when you review it before you are involved in an accident. It is often seen as "Subject to the terms, limits and conditions of your policy." it is the meat of your policy and will tell you exactly what will happen, when it will happen, and how much you will be paid should you have an accident.
https://www.hometownquotes.com/index.cfm?action=affiliateauto1&affid=1517&camp=Best%20Quotes
Your auto insurance is a contract between you and your insurance company. It is important to know the basics and to review the "Subject To" provisions so that there are no surprises if you are involved in an accident. A few minutes spent with your agent reviewing the details of your policy is time well spent.
10/26/2007
What You Need To Know About Cheap Car Insurance Quotes Before You Buy
Helen Hecker
When getting free quotes online between the many car or auto insurance companies in business today, there are many things to consider. Spending a few moments researching online will pay off in good discounts and lower or cheaper car insurance quotes, rates and prices. You'll want to consider long established as well as some of the newer insurance companies for cheaper rates.
The newer auto insurance companies are competing for your business; however they don't have the history that the more established companies have. With the ease these days of being able to go online anytime and get these free, cheap car insurance quotes in a matter of minutes shouldn't prevent anyone from finding out what's is available at the best price.
When you're doing your online research you'll want to check out the car insurance companies' rates, the types of coverage they provide, the deductible information and any and all discounts that they have available. Auto or car insurance rates and quotes are never the same for each company. You'll find many variables in the plans. You definitely want to compare insurance policies; compare the wide range of deductibles that are offered and compare the level of coverage they provide because they can vary quite a bit.
Of course if you're already insured you can choose to stay with your current insurance company but low cost or cheaper rates may be a good reason to switch to another insurance company. Keep in mind that the insurance companies do change their rates from time to time so the quote you got yesterday may not be valid today. You'll want to make sure that you have full coverage or at least the coverage you basically need in your insurance policy. Also you'll want to know that the insurance agents will be easy to contact at their office or home.
Make sure to check out the online discount car insurance brokers who can give you fast online cheap car insurance quotes from several different companies. You can also look for companies that offer discounts to good drivers, giving you another good reason to concentrate on driving defensively and keeping focused. If you don't have a very good driving record you may not be able to get the deductible you want. Make an attempt to focus on turning your driving record around to lower your insurance costs.
It's easy to visit insurance company websites and request free cheap car insurance quotes; you'll need to give them some very basic, detailed information about your car insurance history, your current situation and what you need in terms of your policy. Some car insurance companies take into consideration the credit report rating in determining the level of risk for the insurance company. If you have poor credit or bad marks on your credit report you'll want to find a company that doesn't look at FICO or credit scores in making its decision about what rates they'll quote you. Every auto insurance company has low cost deductions; make sure to ask what they are.
Most of the single line and multiple line companies offer discounts and other great benefits if you carry multiple car insurance policies and also other lines of insurance in the same household. Take a good look at your current policy before you renew it; often there are a few things you can rid of that would greatly reduce the cost.
If you haven't had any accidents that were your fault and you know you're a good driver, consider getting a higher deductible so you would pay out a larger sum of money in the event you have an accident that's your fault but save on your annual insurance premium. If you've always been with one company, don't assume you're getting the best rate; make sure to compare policies and get several quotes from other companies.
If you do your research you'll find the best, affordable car insurance rates for the best price. Finding out what a car insurance company can do for you in terms of the discounts offered will help determine if you're getting the best online cheap car insurance quotes.
http://www.cheap-car-insurance-quotes.info/
When getting free quotes online between the many car or auto insurance companies in business today, there are many things to consider. Spending a few moments researching online will pay off in good discounts and lower or cheaper car insurance quotes, rates and prices. You'll want to consider long established as well as some of the newer insurance companies for cheaper rates.
The newer auto insurance companies are competing for your business; however they don't have the history that the more established companies have. With the ease these days of being able to go online anytime and get these free, cheap car insurance quotes in a matter of minutes shouldn't prevent anyone from finding out what's is available at the best price.
When you're doing your online research you'll want to check out the car insurance companies' rates, the types of coverage they provide, the deductible information and any and all discounts that they have available. Auto or car insurance rates and quotes are never the same for each company. You'll find many variables in the plans. You definitely want to compare insurance policies; compare the wide range of deductibles that are offered and compare the level of coverage they provide because they can vary quite a bit.
Of course if you're already insured you can choose to stay with your current insurance company but low cost or cheaper rates may be a good reason to switch to another insurance company. Keep in mind that the insurance companies do change their rates from time to time so the quote you got yesterday may not be valid today. You'll want to make sure that you have full coverage or at least the coverage you basically need in your insurance policy. Also you'll want to know that the insurance agents will be easy to contact at their office or home.
Make sure to check out the online discount car insurance brokers who can give you fast online cheap car insurance quotes from several different companies. You can also look for companies that offer discounts to good drivers, giving you another good reason to concentrate on driving defensively and keeping focused. If you don't have a very good driving record you may not be able to get the deductible you want. Make an attempt to focus on turning your driving record around to lower your insurance costs.
It's easy to visit insurance company websites and request free cheap car insurance quotes; you'll need to give them some very basic, detailed information about your car insurance history, your current situation and what you need in terms of your policy. Some car insurance companies take into consideration the credit report rating in determining the level of risk for the insurance company. If you have poor credit or bad marks on your credit report you'll want to find a company that doesn't look at FICO or credit scores in making its decision about what rates they'll quote you. Every auto insurance company has low cost deductions; make sure to ask what they are.
Most of the single line and multiple line companies offer discounts and other great benefits if you carry multiple car insurance policies and also other lines of insurance in the same household. Take a good look at your current policy before you renew it; often there are a few things you can rid of that would greatly reduce the cost.
If you haven't had any accidents that were your fault and you know you're a good driver, consider getting a higher deductible so you would pay out a larger sum of money in the event you have an accident that's your fault but save on your annual insurance premium. If you've always been with one company, don't assume you're getting the best rate; make sure to compare policies and get several quotes from other companies.
If you do your research you'll find the best, affordable car insurance rates for the best price. Finding out what a car insurance company can do for you in terms of the discounts offered will help determine if you're getting the best online cheap car insurance quotes.
http://www.cheap-car-insurance-quotes.info/
Where to Get Cheap Competitive Quotes on Car Insurance
Brian Stevens
Are you paying too much for your car insurance? If you haven’t done any comparison shopping lately, or if you're looking for cheap car insurance, you need to get some competitive quotes. You may be surprised to find how much you can save every year just by switching to a different insurance company.
Shop Online
The number one easiest way to find competitive quotes on car insurance is to go to an insurance comparison website. On such a website, you type in information about yourself, your vehicles, and your insurance needs. One simple form – that’s it!
On the best insurance comparison websites, you can even talk with insurance professionals and get answers to all your insurance questions, plus get advice on how to lower your insurance premium. (See link below.)
Choose the Best Company
Once you submit your information to the website, you'll begin to receive insurance quotes from multiple A-rated insurance companies. You'll be able to sift through the quotes on your own time and choose the one that's best for you.
As part of this process, you'll want to make sure the companies you're looking at are financially sound and offer good customer service. To find out more about each insurance company ...
* Visit your state’s Department of Insurance website to see if any complaints have been lodged against the company.
* Look at consumer satisfaction surveys for auto insurance companies on J.D. Power and Associate's website (jdpower.com).
* Go to A.M. Best's website (ambest.com) to check out the financial strength of the insurance company.
Ask About Discounts
Once you've chosen an insurance company, make sure you get all the discounts you are eligible for. Insurance companies offer discounts for safety equipment, a good driving record, a good credit score, good grades for students, low mileage, and insuring your auto and home with the same company. In addition, some companies offer discounts to people in certain occupations or particular professional affiliations. These discounts can save you substantial amounts of money.
http://www.articlesbase.com/insurance-articles/where-to-get-cheap-competitive-quotes-on-car-insurance-245841.html
Are you paying too much for your car insurance? If you haven’t done any comparison shopping lately, or if you're looking for cheap car insurance, you need to get some competitive quotes. You may be surprised to find how much you can save every year just by switching to a different insurance company.
Shop Online
The number one easiest way to find competitive quotes on car insurance is to go to an insurance comparison website. On such a website, you type in information about yourself, your vehicles, and your insurance needs. One simple form – that’s it!
On the best insurance comparison websites, you can even talk with insurance professionals and get answers to all your insurance questions, plus get advice on how to lower your insurance premium. (See link below.)
Choose the Best Company
Once you submit your information to the website, you'll begin to receive insurance quotes from multiple A-rated insurance companies. You'll be able to sift through the quotes on your own time and choose the one that's best for you.
As part of this process, you'll want to make sure the companies you're looking at are financially sound and offer good customer service. To find out more about each insurance company ...
* Visit your state’s Department of Insurance website to see if any complaints have been lodged against the company.
* Look at consumer satisfaction surveys for auto insurance companies on J.D. Power and Associate's website (jdpower.com).
* Go to A.M. Best's website (ambest.com) to check out the financial strength of the insurance company.
Ask About Discounts
Once you've chosen an insurance company, make sure you get all the discounts you are eligible for. Insurance companies offer discounts for safety equipment, a good driving record, a good credit score, good grades for students, low mileage, and insuring your auto and home with the same company. In addition, some companies offer discounts to people in certain occupations or particular professional affiliations. These discounts can save you substantial amounts of money.
http://www.articlesbase.com/insurance-articles/where-to-get-cheap-competitive-quotes-on-car-insurance-245841.html
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