by Brian Stevens
Want to know how you can get the cheapest auto insurance with a reliable company? Here's how to do it ...
Comparison Shopping
A few years ago finding cheap insurance meant spending half a day or more calling or visiting your local insurance agencies, and answering a ton of questions, in order to get enough quotes to compare so you could get a cheap rate.
Now, thanks to the Internet, you can get quotes from all the major insurance companies in a matter of minutes in convenience of your home. The problem is there are hundreds upon hundreds of insurance websites to choose from. So where do you begin?
Insurance Websites
There are two types of insurance websites:
1. Company owned sites - These sites were created by insurance companies to sell you their policies. Some of these sites claim to give you their competitor's rates along with theirs, but often the competitors they compare are not the ones with the cheapest rates. Some of these sites let you contact their service representatives to get information, but they tend to be biased in favor of the company.
2. Insurance comparison sites - These sites have you fill out a single form in order for you to get quotes from a number of auto insurance companies. The best comparison sites only affiliate with A-rated insurance companies so you know your quotes come from reputable insurers.
Some of these sites feature an online chat feature so you can get unbiased answers to any auto insurance questions you may have from insurance specialists. They also offer an "Articles" section where you can get money-saving tips. (See link below.)
Getting the Cheapest Auto Insurance Quote
In order to get the cheapest auto insurance quote you should first visit an insurance comparison site like LowerRateQuotes.com to get quotes. Then visit a couple of single-company sites like Esurance.com, and Geico.com, to see how they compare.
After you find a company with the best rate, you can lower your insurance even further by:
* Raising your deductible
* Installing burglar alarms and anti-theft devices
* Dropping your collision and comprehensive coverage if you drive an older car
* Requesting all the discounts that you're eligible for
www.LowerRateQuotes.com
8/28/2007
Why Buying Auto Insurance On The Internet Is The Way To Go Today
by Craig Thornburrow
Buying auto insurance is like many other products these days. If you are willing to do a little leg work and research yourself you can find some great deals on the internet and save yourself some time as well.
In this article we will look at why that is true.
Before the popularity of the internet you had to get your auto insurance by going to the insurance company with an appointment around their schedule not yours. With the online services available now you can order almost anything online. Now even car insurance which is great for people that are very busy in their lives.
Buying auto insurance online is cheaper to than going offline to do it. You can always find cheap deals online, and get great coupons that you may not be able to find anywhere else. By buying a policy online you always get a discount if you are willing to shop. It saves the insurance company money by getting rid of the middle man and dealing directly with you.
Again when going online an auto insurance polciy can be cheaper for other reasons as well. If you go offline you have to spend gas, spend time finding a broker, and leaving work to try to get this all done. Who has time to do all of this. It just makes sense to go online and spend a few minutes and have your auto insurance policy approved and ready to go.
A lot of companies have customer service available, at all times for free, to answer any questions you may have. You can make any changes you need to on your policy. You just have to go online and push a few buttons and you are ready to go. So you did not have to make another appointment to see your broker or agent. You will also be able to manage your policy online any time you want to see it.
There are a variety of choices for you. Many companies are jumping on the wagon and are taking advantage of the avenue the internet has opened up for them to give a great deal to you. They still get your business, and you the client get great savings by getting the middle man out of the way.
As you can see taking care of your auto insurance needs on the internet can be more cost effective and a better use of your time if you are willing to sit in front of your computer and do. Hopefully this article has convinced you to do just that.
www.autoinsurancepeople.com
Buying auto insurance is like many other products these days. If you are willing to do a little leg work and research yourself you can find some great deals on the internet and save yourself some time as well.
In this article we will look at why that is true.
Before the popularity of the internet you had to get your auto insurance by going to the insurance company with an appointment around their schedule not yours. With the online services available now you can order almost anything online. Now even car insurance which is great for people that are very busy in their lives.
Buying auto insurance online is cheaper to than going offline to do it. You can always find cheap deals online, and get great coupons that you may not be able to find anywhere else. By buying a policy online you always get a discount if you are willing to shop. It saves the insurance company money by getting rid of the middle man and dealing directly with you.
Again when going online an auto insurance polciy can be cheaper for other reasons as well. If you go offline you have to spend gas, spend time finding a broker, and leaving work to try to get this all done. Who has time to do all of this. It just makes sense to go online and spend a few minutes and have your auto insurance policy approved and ready to go.
A lot of companies have customer service available, at all times for free, to answer any questions you may have. You can make any changes you need to on your policy. You just have to go online and push a few buttons and you are ready to go. So you did not have to make another appointment to see your broker or agent. You will also be able to manage your policy online any time you want to see it.
There are a variety of choices for you. Many companies are jumping on the wagon and are taking advantage of the avenue the internet has opened up for them to give a great deal to you. They still get your business, and you the client get great savings by getting the middle man out of the way.
As you can see taking care of your auto insurance needs on the internet can be more cost effective and a better use of your time if you are willing to sit in front of your computer and do. Hopefully this article has convinced you to do just that.
www.autoinsurancepeople.com
8/27/2007
Best Car Insurance: Need Not Be Inevitably The Low-Priced Insurance
by David Faulkner
There are lots of things to take into concern when cracking to prefer the Best Car Insurance for your insurance needs. The most important item is the best and cheapest car insurance. Some insurance companies are nothing more than facades to take your hard earned money.
Best Car Insurance is a very essential thing these days. It is so significant that some states have requisite that every citizen that holds a driver's license has to be insured by a Best Car Insurance company to legally drive on their roads. There are many car insurance companies in the industry right now that are competing for your business. So how do you know you are choosing the Best Insurance to fit your car insurance needs?
Relative Shop Out:
In order to find Best Car Insurance, you will need to do a little investigative work. That is to say, you will need to shop around a bit and apply for a variety of insurance policies. For those not recognizable with insurance policies, what they involve is you fill out an informational form (almost all are available online these days) from a particular insurance provider and then you will receive a dollar figure on a quote relating to your inquiry.
If you are attentive, inspect a number of insurance providers and fill out the forms, you will have a number of different dollar figures so as to select a properly Best Car Insurance. It must be stated, however, that Best Car Insurance should not always be the primary reason for selecting a car insurance policy.
Protection Out of Accident:
When you buy a car, you never expect to have a catastrophe. However, sometimes the unimaginable will happen. You'll just be driving around and then, bam, someone crash into you. Or, maybe you slam into someone. Before you know it, your new car is grave. It's at this point that you must call your insurance company to see how much it's going to cost to get you up and running again.
Car insurance may also be purchased from one of the independent insurance companies that specialize in insuring cars. Many of these companies will only insure specific types of cars, so if your car is a rare, hard to find model, you may have difficulty finding someone to insure it. When researching these companies, be sure to ask about the experience and credentials of the company to be sure that the company that you are dealing with is a legitimate one. You do not want to pay years of car insurance premiums only to have the company disappear once you file a claim. Although it may be frustration, finding the right company to purchase car insurance from will be well worth it in the long run.
http://www.goarticles.com/cgi-bin/showa.cgi?C=595399
There are lots of things to take into concern when cracking to prefer the Best Car Insurance for your insurance needs. The most important item is the best and cheapest car insurance. Some insurance companies are nothing more than facades to take your hard earned money.
Best Car Insurance is a very essential thing these days. It is so significant that some states have requisite that every citizen that holds a driver's license has to be insured by a Best Car Insurance company to legally drive on their roads. There are many car insurance companies in the industry right now that are competing for your business. So how do you know you are choosing the Best Insurance to fit your car insurance needs?
Relative Shop Out:
In order to find Best Car Insurance, you will need to do a little investigative work. That is to say, you will need to shop around a bit and apply for a variety of insurance policies. For those not recognizable with insurance policies, what they involve is you fill out an informational form (almost all are available online these days) from a particular insurance provider and then you will receive a dollar figure on a quote relating to your inquiry.
If you are attentive, inspect a number of insurance providers and fill out the forms, you will have a number of different dollar figures so as to select a properly Best Car Insurance. It must be stated, however, that Best Car Insurance should not always be the primary reason for selecting a car insurance policy.
Protection Out of Accident:
When you buy a car, you never expect to have a catastrophe. However, sometimes the unimaginable will happen. You'll just be driving around and then, bam, someone crash into you. Or, maybe you slam into someone. Before you know it, your new car is grave. It's at this point that you must call your insurance company to see how much it's going to cost to get you up and running again.
Car insurance may also be purchased from one of the independent insurance companies that specialize in insuring cars. Many of these companies will only insure specific types of cars, so if your car is a rare, hard to find model, you may have difficulty finding someone to insure it. When researching these companies, be sure to ask about the experience and credentials of the company to be sure that the company that you are dealing with is a legitimate one. You do not want to pay years of car insurance premiums only to have the company disappear once you file a claim. Although it may be frustration, finding the right company to purchase car insurance from will be well worth it in the long run.
http://www.goarticles.com/cgi-bin/showa.cgi?C=595399
8/22/2007
Best Car Insurance Companies
by Brian Stevens
Looking for the best car insurance companies? Here's how to find them.
Best Car Insurance Companies
If you've read my previous car insurance articles in EzineArticles.com, you know how to get a great rate on your car insurance. But how do you know the insurance company you purchase your insurance from will be reliable? And how do you know that company will give you good service and pay your claims on time?
Thanks to the Internet there are a number websites that rate insurance companies. Here are four of the best ...
J.D. Power & Associates (jdpower.com)
J.D Power & Associates website provides company ratings based on the opinions of people who actually own insurance policies with those companies. Ratings vary from five circles (their highest rating), to two circles (their worst rating).
This site gives you a good idea of how a company treats its customers, prices it's policies, and pays its claims.
Your State's Department of Insurance Website
Every state has a department of insurance website, and most states publish a list of complaints that have been filed against insurance companies. Complaint ratios tell you how many complaints have been filed against a company for every 1,000 claims. This is a good barometer of how well a company pays its claims.
If your state doesn't publish complaint lists you can visit California's department of insurance website (www.insurance.ca.gov), or New York's department of insurance website (www.ins.state.ny.us) to get this information.
Epinions (epinions.com)
Epinions publishes ratings and reviews from customers who've had dealings with insurance companies. Here you can get the inside scoop on how a company handles its claims and treats its customers.
A.M.Best (ambest.com)
A.M. Best rates insurance companies based on their credit rating and financial strength. These ratings give you a good idea of a company's ability to pay its claims. Ratings vary from A++ to D. Best Car Insurance Rate
http://www.goarticles.com/cgi-bin/showa.cgi?C=590137
Looking for the best car insurance companies? Here's how to find them.
Best Car Insurance Companies
If you've read my previous car insurance articles in EzineArticles.com, you know how to get a great rate on your car insurance. But how do you know the insurance company you purchase your insurance from will be reliable? And how do you know that company will give you good service and pay your claims on time?
Thanks to the Internet there are a number websites that rate insurance companies. Here are four of the best ...
J.D. Power & Associates (jdpower.com)
J.D Power & Associates website provides company ratings based on the opinions of people who actually own insurance policies with those companies. Ratings vary from five circles (their highest rating), to two circles (their worst rating).
This site gives you a good idea of how a company treats its customers, prices it's policies, and pays its claims.
Your State's Department of Insurance Website
Every state has a department of insurance website, and most states publish a list of complaints that have been filed against insurance companies. Complaint ratios tell you how many complaints have been filed against a company for every 1,000 claims. This is a good barometer of how well a company pays its claims.
If your state doesn't publish complaint lists you can visit California's department of insurance website (www.insurance.ca.gov), or New York's department of insurance website (www.ins.state.ny.us) to get this information.
Epinions (epinions.com)
Epinions publishes ratings and reviews from customers who've had dealings with insurance companies. Here you can get the inside scoop on how a company handles its claims and treats its customers.
A.M.Best (ambest.com)
A.M. Best rates insurance companies based on their credit rating and financial strength. These ratings give you a good idea of a company's ability to pay its claims. Ratings vary from A++ to D. Best Car Insurance Rate
http://www.goarticles.com/cgi-bin/showa.cgi?C=590137
8/21/2007
Car Insurance Rates Out Of Control?
By: John Reed
Car insurance is a requirement for drivers. The price paid for it, however, is a choice. Different car insurance issuers charge different prices for their various coverages. There are several factors that affect the price a shopper gets. A 70 year old man driving a 20 year old truck will pay a different car insurance rate than an eighteen year old that drives a sports car.
Car insurance companies recognize that the risk associated with these 2 drivers have a great chance of being vastly different in scale. Now, most people automatically would consider the eighteen year old driver in the sports car the more risky of the 2 drivers. However, if the youthful driver is an obedient child under strict parental supervision but the older driver has cataracts, cant hear and occasionally falls asleep at the wheel, the danger level distribution shifts vastly.
Then there are other variables such as the choice between full or liability coverage, where you live, how far you drive, gender, how often the type of car you drive is stolen each year and many others. Shove all of these variables into the car insurance calculation formula and you are in for a wild ride. No pun intended.
So, the whole costing scheme for car insurance can get pretty complicated and confusing really quickly. Variables like this make the game of finding adequate car insurance at a cheap price a game worth playing.
There are more car insurance companies than you can shake a stick at. This makes the competition for your insurance payment a reason to shop around before you commit to any one of them. It never hurts to look around and see what you find.
Car insurance companies will often charge different rates for seemingly identical policies. So, much about the whole process is relative. Dont settle for the first policy that is thrown across a desk at you. Shop around. Car insurance firms will often be willing to compete with other car insurance companies even though they wont initially tell you that.
One strategy for getting low rates is to call multiple car insurance insurance companies and start the conversation by mentioning the rate that you received from other companies. In many cases, they will attempt to beat it buy quoting a lower price or by providing more coverage for the same price.
Another means of lowering the amount you pay each month is to use the Car Insurance Toolbar at CarInsuranceToolbar dot com. The Car Insurance Toolbar interfaces with TypoBounty dot com, a website that allows the user to earn money by reporting typographical errors that they see online. With the average payout for a single error being two dollars car insurance premiums become more manageable fast.
Strategize and utilize tools to mitigate the car insurance price effect. It is worth it.
http://www.articleclick.com/Article/Car-Insurance-Rates-Out-Of-Control-/920772
Car insurance is a requirement for drivers. The price paid for it, however, is a choice. Different car insurance issuers charge different prices for their various coverages. There are several factors that affect the price a shopper gets. A 70 year old man driving a 20 year old truck will pay a different car insurance rate than an eighteen year old that drives a sports car.
Car insurance companies recognize that the risk associated with these 2 drivers have a great chance of being vastly different in scale. Now, most people automatically would consider the eighteen year old driver in the sports car the more risky of the 2 drivers. However, if the youthful driver is an obedient child under strict parental supervision but the older driver has cataracts, cant hear and occasionally falls asleep at the wheel, the danger level distribution shifts vastly.
Then there are other variables such as the choice between full or liability coverage, where you live, how far you drive, gender, how often the type of car you drive is stolen each year and many others. Shove all of these variables into the car insurance calculation formula and you are in for a wild ride. No pun intended.
So, the whole costing scheme for car insurance can get pretty complicated and confusing really quickly. Variables like this make the game of finding adequate car insurance at a cheap price a game worth playing.
There are more car insurance companies than you can shake a stick at. This makes the competition for your insurance payment a reason to shop around before you commit to any one of them. It never hurts to look around and see what you find.
Car insurance companies will often charge different rates for seemingly identical policies. So, much about the whole process is relative. Dont settle for the first policy that is thrown across a desk at you. Shop around. Car insurance firms will often be willing to compete with other car insurance companies even though they wont initially tell you that.
One strategy for getting low rates is to call multiple car insurance insurance companies and start the conversation by mentioning the rate that you received from other companies. In many cases, they will attempt to beat it buy quoting a lower price or by providing more coverage for the same price.
Another means of lowering the amount you pay each month is to use the Car Insurance Toolbar at CarInsuranceToolbar dot com. The Car Insurance Toolbar interfaces with TypoBounty dot com, a website that allows the user to earn money by reporting typographical errors that they see online. With the average payout for a single error being two dollars car insurance premiums become more manageable fast.
Strategize and utilize tools to mitigate the car insurance price effect. It is worth it.
http://www.articleclick.com/Article/Car-Insurance-Rates-Out-Of-Control-/920772
8/19/2007
How to Find Car Insurance Discounts
by Albert K
Saving money wherever you can is important to us all. Car insurance should be no different. At HometownQuotes we go out of our way to find all the possible car insurance discounts that are available to each customer.
Drivers should take advantage of all discounts that many providers offer, that can significantly reduce the cost of car insurance. Understanding discounts and how they can affect car insurance premiums can help smart shoppers make better decisions about their coverage and possibly save themselves some money in the process.
Read below to identify possible discounts that could help you save money on car insurance this year. Other than discounts, there may be some other ways for you to save on your insurance premiums. We will go over several discounts that can help with your current situation.
First, there are discounts for Car Safety features. Certain states will give you discounts for anti-lock breaks. Make sure you know if it is two or four wheel anti-lock break vehicle. Automatic seatbelts and airbags are frequently discounted on your insurance premiums. In most states, a defensive driver class discount may apply. If the principal driver usually 55 years old or older has completed an approved defensive driving class a discount could apply. Keep in mind that most states will only approve this class if it is voluntary meaning that it was not the result of a violation or infraction.
Some insurers will give you a discount for having multiple cars. In some cases, this will only apply if you have two or more drivers. If you have a clean driving record, meaning you do not have any tickets, accidents or suspensions in the last three years (some companies require five years) then you could be eligible for a safe driver's discount.
Many insurance companies will reward you with staying with the same insurance company for many years without any accidents reported. They will offer you a renewal discount. It makes sense, you have carried insurance with a company for several years, and have not had an accident, your insurance company likes you and wants to reward and keep your business. Some companies honor you with a discount if you had prior limits on your previous policy. They discount you because they understand you are a better risk.
Conversely, if you do decided to change insurers a proof of prior insurance discount may apply. Most insurers request at least 6 months of consecutive insurance from the previous insurer. If you are a full-time student who meets certain grade requirements and are unmarried and usually under 25 years of age (some states the age is 21) you could be eligible for a good student discount. If you own a home, including condominium, town home, or mobile home, which is used as a principal residence, a discount could apply. Military personnel either currently active or retired from any branch of the US military a discount could apply. If your vehicle is equipped with an anti-theft device, a discount could apply.
You could lower the cost of your car insurance in other ways as well.
For people who own older cars, it may not be necessary or cost-effective to protect them with collision and comprehensive coverage. By comparing the book value of your vehicle and the premium that the insurer has offered, you may find that it cost as much for the insurance as it does for the vehicle. If the car is worth less than $2,000, you will probably spend more insuring it than it is worth. The whole idea of driving an older car is to save money, so why not get what is coming to you.
In addition, keep in mind that the type of vehicle you buy could greatly affect your premium. A flashy red sports car is usually going to cost more to insure than a mid sized sedan. This is also true of vehicles that are on the list of most stolen. There are many ways that policyholders can save on their insurance. Knowing more about auto policies and premiums can help consumers take advantage of less obvious discounts while ensuring that they have the appropriate protection for their vehicles. The last way to save is to assume more risk. If you chose higher deductible on your Personal Injury Protection or Comprehensive and collision coverage will lower your premium as well. The deductible is the amount of money you have to pay before your insurance company begins paying the rest.
Understanding how discounts affect your car insurance rates is important to save you money.
http://freeinsurancequotes.wordpress.com/
Saving money wherever you can is important to us all. Car insurance should be no different. At HometownQuotes we go out of our way to find all the possible car insurance discounts that are available to each customer.
Drivers should take advantage of all discounts that many providers offer, that can significantly reduce the cost of car insurance. Understanding discounts and how they can affect car insurance premiums can help smart shoppers make better decisions about their coverage and possibly save themselves some money in the process.
Read below to identify possible discounts that could help you save money on car insurance this year. Other than discounts, there may be some other ways for you to save on your insurance premiums. We will go over several discounts that can help with your current situation.
First, there are discounts for Car Safety features. Certain states will give you discounts for anti-lock breaks. Make sure you know if it is two or four wheel anti-lock break vehicle. Automatic seatbelts and airbags are frequently discounted on your insurance premiums. In most states, a defensive driver class discount may apply. If the principal driver usually 55 years old or older has completed an approved defensive driving class a discount could apply. Keep in mind that most states will only approve this class if it is voluntary meaning that it was not the result of a violation or infraction.
Some insurers will give you a discount for having multiple cars. In some cases, this will only apply if you have two or more drivers. If you have a clean driving record, meaning you do not have any tickets, accidents or suspensions in the last three years (some companies require five years) then you could be eligible for a safe driver's discount.
Many insurance companies will reward you with staying with the same insurance company for many years without any accidents reported. They will offer you a renewal discount. It makes sense, you have carried insurance with a company for several years, and have not had an accident, your insurance company likes you and wants to reward and keep your business. Some companies honor you with a discount if you had prior limits on your previous policy. They discount you because they understand you are a better risk.
Conversely, if you do decided to change insurers a proof of prior insurance discount may apply. Most insurers request at least 6 months of consecutive insurance from the previous insurer. If you are a full-time student who meets certain grade requirements and are unmarried and usually under 25 years of age (some states the age is 21) you could be eligible for a good student discount. If you own a home, including condominium, town home, or mobile home, which is used as a principal residence, a discount could apply. Military personnel either currently active or retired from any branch of the US military a discount could apply. If your vehicle is equipped with an anti-theft device, a discount could apply.
You could lower the cost of your car insurance in other ways as well.
For people who own older cars, it may not be necessary or cost-effective to protect them with collision and comprehensive coverage. By comparing the book value of your vehicle and the premium that the insurer has offered, you may find that it cost as much for the insurance as it does for the vehicle. If the car is worth less than $2,000, you will probably spend more insuring it than it is worth. The whole idea of driving an older car is to save money, so why not get what is coming to you.
In addition, keep in mind that the type of vehicle you buy could greatly affect your premium. A flashy red sports car is usually going to cost more to insure than a mid sized sedan. This is also true of vehicles that are on the list of most stolen. There are many ways that policyholders can save on their insurance. Knowing more about auto policies and premiums can help consumers take advantage of less obvious discounts while ensuring that they have the appropriate protection for their vehicles. The last way to save is to assume more risk. If you chose higher deductible on your Personal Injury Protection or Comprehensive and collision coverage will lower your premium as well. The deductible is the amount of money you have to pay before your insurance company begins paying the rest.
Understanding how discounts affect your car insurance rates is important to save you money.
http://freeinsurancequotes.wordpress.com/
8/17/2007
Guidelines To Make You Avail A Cheap Car Insurance
by Allan Elvin
Unlike earlier, today the price of cars in UK as well as in all other countries is falling. Gradually, cars are becoming within the reach of common people to buy. The growing number of cars have caused the number of road accidents to increase. To see such road mishmash, the government in UK has made it mandatory for every car owners to have a valid car insurance. Thus buying a cheap car insurance has become a need of concern for every car owners.
To avail a car insurance available at cheap rate, there are several things need to be taken care of. Considering some important points may give you a better deal enabling you to get an insurance at cheap rate. Before you finally end up buying a car insurance, the most important you need to do is to compare prices of several insurance options available with you. Online availability of several of insurance companies give you better options to get free quotes from them. Compare the different insurance options, and choose the one meeting your insurance requirements suitably.
Physical condition of your car is other factor deciding the price of your insurance. If your car is modified one, the probability is that you will have to pay high price for the insurance. Besides, some other factors like being a home-owner, married, good job holder, non-smoker, etc. play positive role in letting you avail a car insurance at cheap rate.
Keep in mind where you are parking your car. If you are using a locked and safe parking garage, you will buy the insurance at cheaper rate than what you pay if you park your car on street. Moreover, in order to avail a Cheap Car Insurance, the last but no the least important point need to be thought well of is choosing a good type of car insurance. Available in three types, any type of car insurance can be bought with consideration that it is adequate to give you a good cover.
http://www.goarticles.com/cgi-bin/showa.cgi?C=585428
Unlike earlier, today the price of cars in UK as well as in all other countries is falling. Gradually, cars are becoming within the reach of common people to buy. The growing number of cars have caused the number of road accidents to increase. To see such road mishmash, the government in UK has made it mandatory for every car owners to have a valid car insurance. Thus buying a cheap car insurance has become a need of concern for every car owners.
To avail a car insurance available at cheap rate, there are several things need to be taken care of. Considering some important points may give you a better deal enabling you to get an insurance at cheap rate. Before you finally end up buying a car insurance, the most important you need to do is to compare prices of several insurance options available with you. Online availability of several of insurance companies give you better options to get free quotes from them. Compare the different insurance options, and choose the one meeting your insurance requirements suitably.
Physical condition of your car is other factor deciding the price of your insurance. If your car is modified one, the probability is that you will have to pay high price for the insurance. Besides, some other factors like being a home-owner, married, good job holder, non-smoker, etc. play positive role in letting you avail a car insurance at cheap rate.
Keep in mind where you are parking your car. If you are using a locked and safe parking garage, you will buy the insurance at cheaper rate than what you pay if you park your car on street. Moreover, in order to avail a Cheap Car Insurance, the last but no the least important point need to be thought well of is choosing a good type of car insurance. Available in three types, any type of car insurance can be bought with consideration that it is adequate to give you a good cover.
http://www.goarticles.com/cgi-bin/showa.cgi?C=585428
8/16/2007
Where to Get Inexpensive Auto Insurance
by Brian Stevens
Looking for inexpensive auto insurance? Here's how to get it.
Inexpensive Auto Insurance
In the good ol' days, before the Internet came on the scene, finding inexpensive auto insurance was like looking for a needle in a haystack. You had to spend hours on end visiting local insurance agents or calling them on the phone to get enough quotes to get an inexpensive policy. Now, thanks to the Internet, getting quotes is a piece of cake.
You have two choices when it comes to getting auto insurance quotes online - you can go from one single-company site to another, or you can go to an insurance comparison website. The advantages of using an insurance comparison website are:
* Multiple companies compete for your business, not just one.
* You only have to fill out one questionnaire, not one for every site.
* It will only take you a few minutes, not a few hours.
* The better sites only give out quotes from A-rated companies, not fly-by-nights.
* The best sites have insurance experts on call so you can get unbiased answers to your insurance questions. (See link below.)
Because auto insurance rates can vary by hundreds of dollars from one company to the next for the same insurance, comparing rates at an insurance comparison website is by far the best way to get inexpensive auto insurance.
Discounts and Deductibles
Once you find a company with the best rate, you can lower your rate even further by doing the following:
* Raise your deductible. Raising your deductible from $250 to $500 can save you up to 30% on your yearly premium. Raising it to $1,000 can save you up to 50%. Just make sure you can pay your deductible if you need to file a claim.
* Drop your collision coverage. If you drive an older car consider dropping your collision coverage, especially if your car is worth less than the cost of your insurance plus your deductible.
* Consolidate your policies. Purchasing your homeowners and auto insurance through the same company can save you 10% to 15% on your yearly premiums.
* Get discounts. Auto insurance companies offer discounts to their customers for a variety of reasons. Ask about all the discounts that are available and take advantage of all the ones you're eligible for.
Looking for inexpensive auto insurance? Here's how to get it.
Inexpensive Auto Insurance
In the good ol' days, before the Internet came on the scene, finding inexpensive auto insurance was like looking for a needle in a haystack. You had to spend hours on end visiting local insurance agents or calling them on the phone to get enough quotes to get an inexpensive policy. Now, thanks to the Internet, getting quotes is a piece of cake.
You have two choices when it comes to getting auto insurance quotes online - you can go from one single-company site to another, or you can go to an insurance comparison website. The advantages of using an insurance comparison website are:
* Multiple companies compete for your business, not just one.
* You only have to fill out one questionnaire, not one for every site.
* It will only take you a few minutes, not a few hours.
* The better sites only give out quotes from A-rated companies, not fly-by-nights.
* The best sites have insurance experts on call so you can get unbiased answers to your insurance questions. (See link below.)
Because auto insurance rates can vary by hundreds of dollars from one company to the next for the same insurance, comparing rates at an insurance comparison website is by far the best way to get inexpensive auto insurance.
Discounts and Deductibles
Once you find a company with the best rate, you can lower your rate even further by doing the following:
* Raise your deductible. Raising your deductible from $250 to $500 can save you up to 30% on your yearly premium. Raising it to $1,000 can save you up to 50%. Just make sure you can pay your deductible if you need to file a claim.
* Drop your collision coverage. If you drive an older car consider dropping your collision coverage, especially if your car is worth less than the cost of your insurance plus your deductible.
* Consolidate your policies. Purchasing your homeowners and auto insurance through the same company can save you 10% to 15% on your yearly premiums.
* Get discounts. Auto insurance companies offer discounts to their customers for a variety of reasons. Ask about all the discounts that are available and take advantage of all the ones you're eligible for.
8/15/2007
How to protect my car insurance no claims bonus
by Rich Young
The biggest motoring asset after you car could well be your no claims bonus; it could be worth many hundreds of pounds over your motoring years, after all after 5 years your no claims bonus can be worth 65% a big discount on your insurance premium. This is your reward from your insurance company for years of careful motoring, or simply paying out for that minor knock received by some unknown person in the supermarket car park.
It is possible to protect this valuable asset and many insurers offer schemes whereby you can protect your car insurance no claims bonus, but the rules vary from company to company, but our comparison site will help you keep this asset. What should be remembered is that this discount is a no claims and not a no blame bonus, so when you claim for an accident that was not your fault, you could lose this annual discount if your insurer cannot agree with the third party.
Should you be unfortunate and have to make a claim, it does not necessarily mean that you will lose all your bonus, some companies just reduce it by two years, again our comparison site can help you. Similarly, we can help find the insurers that give both the best premium rate and also the lowest rate for adding the insurance no claim protection clause, remember it could be well worth it if you have to travel lots of miles, the more you use your car, the more likely you are to be involved in an accident.
Not all companies offer the same rates of discount, with one company you could 50% with one and 55% with another, and all has to be taken into account when considering quotations from an insurance price comparison site, as well as discounts for perhaps a second car insured with the same company. When you consider that it is possibly to have discount rates of between 65% and 75% it is worth looking after and you can pay to protect it. This ensures that in the event of a claim the no claims bonus will remain in tact; however a series of accidents in quick succession may mean that it is not protected again immediately.
http://www.goarticles.com/cgi-bin/showa.cgi?C=581666
The biggest motoring asset after you car could well be your no claims bonus; it could be worth many hundreds of pounds over your motoring years, after all after 5 years your no claims bonus can be worth 65% a big discount on your insurance premium. This is your reward from your insurance company for years of careful motoring, or simply paying out for that minor knock received by some unknown person in the supermarket car park.
It is possible to protect this valuable asset and many insurers offer schemes whereby you can protect your car insurance no claims bonus, but the rules vary from company to company, but our comparison site will help you keep this asset. What should be remembered is that this discount is a no claims and not a no blame bonus, so when you claim for an accident that was not your fault, you could lose this annual discount if your insurer cannot agree with the third party.
Should you be unfortunate and have to make a claim, it does not necessarily mean that you will lose all your bonus, some companies just reduce it by two years, again our comparison site can help you. Similarly, we can help find the insurers that give both the best premium rate and also the lowest rate for adding the insurance no claim protection clause, remember it could be well worth it if you have to travel lots of miles, the more you use your car, the more likely you are to be involved in an accident.
Not all companies offer the same rates of discount, with one company you could 50% with one and 55% with another, and all has to be taken into account when considering quotations from an insurance price comparison site, as well as discounts for perhaps a second car insured with the same company. When you consider that it is possibly to have discount rates of between 65% and 75% it is worth looking after and you can pay to protect it. This ensures that in the event of a claim the no claims bonus will remain in tact; however a series of accidents in quick succession may mean that it is not protected again immediately.
http://www.goarticles.com/cgi-bin/showa.cgi?C=581666
8/14/2007
Buyer's Guide To Avail Cheap Car Insurance
by Allan Elvin
In UK, it is mandatory for car owners to have a valid insurance for their car. This necessity as well as oodles of uncertainties have put a serious need for car owners to avail a car insurance. Usually, people grumble about the insurance being a costly affair to avail. A cheap car insurance available at cheap rate, thus, becomes a sought after stuff for car owners. Before one has finally decided to buy any specific car insurance, there are some guidelines needed to be taken care of.
The first and most important thing needed to be considered by you is the type of insurance you are buying. Several of insurance agents may approach you to buy their insurance, and even you may be confused while picking the right one. The best way is to learn more about all types of insurance available in the market, and choose the one meeting your insurance requirement.
Shopping is the second most important point needs to be considered while buying cheap car insurance. As there is flood of insurance selling companies, it becomes harder to decide which insurance is better. Instead of relying upon any insurance agent, you should rather do some online research. You will have options to get free quotes. Compare the different quotes and then choose the best one meeting your budget.
Falling prey to brokers may yield you an easy access to buy the insurance, but they will look only their own benefits. Thus if you are buying Cheap Car Insurance through an agent, learn better about the kind of insurance and how it is going to benefit you. Before finalising any deal, it is better that you read all the documents, their policies and guidelines carefully. Check well about the hidden cash back, premium amount, etc. Being careful about such things may assure you to have a good car insurance while buying an insurance for your car.
http://www.goarticles.com/cgi-bin/showa.cgi?C=580866
In UK, it is mandatory for car owners to have a valid insurance for their car. This necessity as well as oodles of uncertainties have put a serious need for car owners to avail a car insurance. Usually, people grumble about the insurance being a costly affair to avail. A cheap car insurance available at cheap rate, thus, becomes a sought after stuff for car owners. Before one has finally decided to buy any specific car insurance, there are some guidelines needed to be taken care of.
The first and most important thing needed to be considered by you is the type of insurance you are buying. Several of insurance agents may approach you to buy their insurance, and even you may be confused while picking the right one. The best way is to learn more about all types of insurance available in the market, and choose the one meeting your insurance requirement.
Shopping is the second most important point needs to be considered while buying cheap car insurance. As there is flood of insurance selling companies, it becomes harder to decide which insurance is better. Instead of relying upon any insurance agent, you should rather do some online research. You will have options to get free quotes. Compare the different quotes and then choose the best one meeting your budget.
Falling prey to brokers may yield you an easy access to buy the insurance, but they will look only their own benefits. Thus if you are buying Cheap Car Insurance through an agent, learn better about the kind of insurance and how it is going to benefit you. Before finalising any deal, it is better that you read all the documents, their policies and guidelines carefully. Check well about the hidden cash back, premium amount, etc. Being careful about such things may assure you to have a good car insurance while buying an insurance for your car.
http://www.goarticles.com/cgi-bin/showa.cgi?C=580866
8/13/2007
Save on your Car Insurance Premium
All over the United States insurance costs are on the rise; and car insurance premiums are no exception. Depending on the area of the country that you live, you should expect to see your premiums rise over the next few years. The good thing is that there are ways you can avoid this if you know a few things about the industry.
The first thing that you should do is take a closer look at your policy. You should check for any errors concerning your address, type of car you drive, etc. If you notice any mistakes you will want to get in touch with your insurance company right away.
To get a lower car insurance premium you will want to shop around. There are many companies in the United States that offer coverage, and if you do not check them all out you are not doing yourself any favors. By comparison shopping you will be able to get an idea as to what is best as far as both coverage and price are concerned.
One of the best ways to keep your car insurance premium down is to raise your deductible. It may sound nice to have a low deductible when buying your coverage, but if you raise it you will be able to save quite a bit of money.
Additionally, if you have an older car that is only worth a couple thousand dollars you may want to consider dropping your collision coverage. This means that if you wreck your car you will not receive anything from your insurance company. But with that being said, it is not that big of a deal since your car is not worth a lot.
Finally, do not forget about the discounts you receive for the safety features on your car. For instance, more airbags equal bigger savings. The same holds true if you have any type of anti-theft device.
By following these tips you will be able to keep your car insurance premiums down. And this is quite important considering the way that the entire industry is on the upswing as far as costs are concerned.
www.2insure4less.com
The first thing that you should do is take a closer look at your policy. You should check for any errors concerning your address, type of car you drive, etc. If you notice any mistakes you will want to get in touch with your insurance company right away.
To get a lower car insurance premium you will want to shop around. There are many companies in the United States that offer coverage, and if you do not check them all out you are not doing yourself any favors. By comparison shopping you will be able to get an idea as to what is best as far as both coverage and price are concerned.
One of the best ways to keep your car insurance premium down is to raise your deductible. It may sound nice to have a low deductible when buying your coverage, but if you raise it you will be able to save quite a bit of money.
Additionally, if you have an older car that is only worth a couple thousand dollars you may want to consider dropping your collision coverage. This means that if you wreck your car you will not receive anything from your insurance company. But with that being said, it is not that big of a deal since your car is not worth a lot.
Finally, do not forget about the discounts you receive for the safety features on your car. For instance, more airbags equal bigger savings. The same holds true if you have any type of anti-theft device.
By following these tips you will be able to keep your car insurance premiums down. And this is quite important considering the way that the entire industry is on the upswing as far as costs are concerned.
www.2insure4less.com
8/12/2007
Reading the small print and things you should know about car insurance
by Richard Young
How often do we read the small print, not just car insurance but about any contract that we sign up for, I guess that not very many of us do. But it is really important when buying car insurance to know just what we are covered for and what we are not.
When we at www.chooseinsurance.co.uk source insurance on your behalf, all the details of the policy are available for you to see and you will always get these either sent to your home by post, or available to download through e-mail or from the site.
Let us look at some of the beliefs and misconception that exist in the car insurance market. If you buy a comprehensive cover for your car it means just that, or does it. If on your proposal form you have said that your car is always garaged at your home and a garage does not exist, your policy in the event of a claim, particularly theft from outside your house on the road, could be invalid.
You have said that you have no convictions, but when you have been involved in an accident, should the matter go to court and it turns out not to be true, your insurer may not pay out for a claim, very serious if there is an injury claim.
What about driving under the influence of drink or drugs, check the small print to see if you are covered in the event of a bump, even if you were in no way at fault.
You should always check the small print to see what the third party liability covers; millions of pounds could be involved. Remember to check out the conditions that are applied when you take out third party fire and theft car insurance and do not believe that your insurer will pay out for damage to another vehicle if you are involved in an accident that turns out to be your fault, you could be involved in expensive litigation, it really can pay to go the extra mile and have full cover, you may be surprised how little extra it costs.
http://www.goarticles.com/cgi-bin/showa.cgi?C=579623
How often do we read the small print, not just car insurance but about any contract that we sign up for, I guess that not very many of us do. But it is really important when buying car insurance to know just what we are covered for and what we are not.
When we at www.chooseinsurance.co.uk source insurance on your behalf, all the details of the policy are available for you to see and you will always get these either sent to your home by post, or available to download through e-mail or from the site.
Let us look at some of the beliefs and misconception that exist in the car insurance market. If you buy a comprehensive cover for your car it means just that, or does it. If on your proposal form you have said that your car is always garaged at your home and a garage does not exist, your policy in the event of a claim, particularly theft from outside your house on the road, could be invalid.
You have said that you have no convictions, but when you have been involved in an accident, should the matter go to court and it turns out not to be true, your insurer may not pay out for a claim, very serious if there is an injury claim.
What about driving under the influence of drink or drugs, check the small print to see if you are covered in the event of a bump, even if you were in no way at fault.
You should always check the small print to see what the third party liability covers; millions of pounds could be involved. Remember to check out the conditions that are applied when you take out third party fire and theft car insurance and do not believe that your insurer will pay out for damage to another vehicle if you are involved in an accident that turns out to be your fault, you could be involved in expensive litigation, it really can pay to go the extra mile and have full cover, you may be surprised how little extra it costs.
http://www.goarticles.com/cgi-bin/showa.cgi?C=579623
8/11/2007
Where to Find Cheap Auto Insurance Rates
by Brian Stevens
Looking for cheap auto insurance rates? Here's the best place to find them.
Cheap Auto Insurance Rates
Finding a cheap auto insurance rate these days is like looking for a needle in haystack - it may take a while. You can spend half a day calling local insurance companies trying to get quotes. You can spend hours on end going from one insurance company website to another. Or you can spend a few minutes at an insurance comparison website.
Insurance comparison websites represent a number of insurance companies so you can get multiple quotes quickly and easily. All you have to do is fill out a simple questionnaire with your insurance and driving history, plus the amount of insurance you want, then wait for your quotes.
With most insurance comparison websites you get quotes from A-rated companies so you know the company you choose will be reliable and will give you good customer service. Some of these sites even let you talk with an insurance expert online, or by telephone, so you can get answers to any auto insurance questions you may have. (See link below.)
Going to an insurance comparison site is by far the quickest and easiest way to find a cheap insurance rate quote.
Getting the Cheapest Auto Insurance Rate
Once you find the best auto insurance rate, you can lower it even further by doing the following:
Increase your deductible - Increasing your deductible can save you hundreds of dollars a year on your yearly premium. The amount you save over time will more than equal your deductible so you'll be dollars ahead.
Drop your collision and comprehensive coverage - If you drive a car that's five years old or older, or you car is worth less than than your yearly premium plus your deductible, consider dropping your collision and comprehensive coverage. Doing this could save you up to half on your insurance.
Ask for discounts - Insurance companies offer all kinds of discounts - low mileage discounts, good driver discounts, multiple policy discounts, security device discounts, and a host of other discounts. Make sure you find out about all the discounts you're eligible for from your insurer and take advantage of them.
www.LowerRateQuotes.com
Looking for cheap auto insurance rates? Here's the best place to find them.
Cheap Auto Insurance Rates
Finding a cheap auto insurance rate these days is like looking for a needle in haystack - it may take a while. You can spend half a day calling local insurance companies trying to get quotes. You can spend hours on end going from one insurance company website to another. Or you can spend a few minutes at an insurance comparison website.
Insurance comparison websites represent a number of insurance companies so you can get multiple quotes quickly and easily. All you have to do is fill out a simple questionnaire with your insurance and driving history, plus the amount of insurance you want, then wait for your quotes.
With most insurance comparison websites you get quotes from A-rated companies so you know the company you choose will be reliable and will give you good customer service. Some of these sites even let you talk with an insurance expert online, or by telephone, so you can get answers to any auto insurance questions you may have. (See link below.)
Going to an insurance comparison site is by far the quickest and easiest way to find a cheap insurance rate quote.
Getting the Cheapest Auto Insurance Rate
Once you find the best auto insurance rate, you can lower it even further by doing the following:
Increase your deductible - Increasing your deductible can save you hundreds of dollars a year on your yearly premium. The amount you save over time will more than equal your deductible so you'll be dollars ahead.
Drop your collision and comprehensive coverage - If you drive a car that's five years old or older, or you car is worth less than than your yearly premium plus your deductible, consider dropping your collision and comprehensive coverage. Doing this could save you up to half on your insurance.
Ask for discounts - Insurance companies offer all kinds of discounts - low mileage discounts, good driver discounts, multiple policy discounts, security device discounts, and a host of other discounts. Make sure you find out about all the discounts you're eligible for from your insurer and take advantage of them.
www.LowerRateQuotes.com
8/10/2007
Car Insurance Tips for Driving Abroad
by Simon Christopher
By law, British motor insurers must cover your car for the minimum cover required by the law in other European countries, or the minimum cover required by UK law, whichever is greater.
In most cases, this means that no matter where you are driving your car, you'll have at least Third Party coverage. There are special conditions that may apply however, and you'd do best to check with your individual insurer to find out about limits or conditions on your policy. These are some of the most common limits and conditions found on UK policies regarding driving your own car abroad.
No cover for damage to your own vehicle
While you may have cover for collision damages when driving at home, many insurers will only cover damage to other vehicles if you are driving abroad. You can extend your policy to cover damages to your car from fire, theft and collision while abroad by talking with your insurance company or broker.
No breakdown cover abroad
Even if you extend your car insurance to cover you while driving your car overseas, you won't be covered if your car should breakdown on the side of the road. Your insurer may be able to provide international breakdown cover, though you may get a better price on breakdown cover if you buy it in conjunction with your holiday insurance or even through your home insurer.
Advance notification required
Some car insurance companies require you to notify them in advance if you will be taking your car abroad with you. If you fail to give them notice and are involved in an accident, you may be left with only third party cover. Check your policy to find out how much advance notice your insurer requires in order to extend your policy to cover you when driving your car abroad.
Time limits on motor insurance abroad
Some higher end motor insurance policies allow you full coverage overseas for up to a stated length of time - generally 30 to 90 days - at no extra charge. They still require advance notice to extend your coverage, but as long as your overseas visits are less than the stated amount of time, you won't be charged an extra premium. Be sure to check for any limitations on your policy while overseas. In most cases, only repairs will be covered. You'll have to make other arrangements for transportation, car hire and other accommodations.
** Tips for Taking Your Car Abroad **
Check to find out how much cover your current motor insurance provides if you are traveling abroad.
Arrange for a Green Card through your insurer. The Green Card is an easy way to provide proof of insurance cover in most European countries.
Get separate breakdown cover. Most motor insurance policies do not provide any breakdown cover in foreign countries. If you carry separate breakdown cover at home, however, check that policy. Some may cover you for short trips abroad at no additional cost.
Ask your insurer for a European accident statement form and keep it with you. Most will provide one free of charge. It's a handy way to jot down details of an accident while they are still fresh in your mind.
Because foreign cars are an attractive target for thieves, take precautions to make it difficult to steal your car. Always lock the doors, and keep motor insurance and vehicle ownership papers on your person rather than in your car.
goarticles.com
By law, British motor insurers must cover your car for the minimum cover required by the law in other European countries, or the minimum cover required by UK law, whichever is greater.
In most cases, this means that no matter where you are driving your car, you'll have at least Third Party coverage. There are special conditions that may apply however, and you'd do best to check with your individual insurer to find out about limits or conditions on your policy. These are some of the most common limits and conditions found on UK policies regarding driving your own car abroad.
No cover for damage to your own vehicle
While you may have cover for collision damages when driving at home, many insurers will only cover damage to other vehicles if you are driving abroad. You can extend your policy to cover damages to your car from fire, theft and collision while abroad by talking with your insurance company or broker.
No breakdown cover abroad
Even if you extend your car insurance to cover you while driving your car overseas, you won't be covered if your car should breakdown on the side of the road. Your insurer may be able to provide international breakdown cover, though you may get a better price on breakdown cover if you buy it in conjunction with your holiday insurance or even through your home insurer.
Advance notification required
Some car insurance companies require you to notify them in advance if you will be taking your car abroad with you. If you fail to give them notice and are involved in an accident, you may be left with only third party cover. Check your policy to find out how much advance notice your insurer requires in order to extend your policy to cover you when driving your car abroad.
Time limits on motor insurance abroad
Some higher end motor insurance policies allow you full coverage overseas for up to a stated length of time - generally 30 to 90 days - at no extra charge. They still require advance notice to extend your coverage, but as long as your overseas visits are less than the stated amount of time, you won't be charged an extra premium. Be sure to check for any limitations on your policy while overseas. In most cases, only repairs will be covered. You'll have to make other arrangements for transportation, car hire and other accommodations.
** Tips for Taking Your Car Abroad **
Check to find out how much cover your current motor insurance provides if you are traveling abroad.
Arrange for a Green Card through your insurer. The Green Card is an easy way to provide proof of insurance cover in most European countries.
Get separate breakdown cover. Most motor insurance policies do not provide any breakdown cover in foreign countries. If you carry separate breakdown cover at home, however, check that policy. Some may cover you for short trips abroad at no additional cost.
Ask your insurer for a European accident statement form and keep it with you. Most will provide one free of charge. It's a handy way to jot down details of an accident while they are still fresh in your mind.
Because foreign cars are an attractive target for thieves, take precautions to make it difficult to steal your car. Always lock the doors, and keep motor insurance and vehicle ownership papers on your person rather than in your car.
goarticles.com
8/09/2007
Free Car Insurance Quotes - Get the Best Rate Possible
by Brian Stevens
Looking for free car insurance quotes? Want to get the best price possible on your car insurance? Here's how ...
Free Car Insurance Quotes
As you probably know, the best way to save money on your car insurance is to compare quotes from different companies. You can save hundreds, even thousands of dollars a year by simply comparing quotes and purchasing the cheapest policy.
There are a number of ways you can get free car insurance quotes: You can spend a few hours calling local insurance companies. You can a few hours going from one single-company insurance site to another. Or you can spend a few minutes at an insurance comparison website where you'll get quotes from a number of companies in a matter of minutes.
All you have to do to get your free car insurance quotes is fill out a simple form with your driving history, the type of car you're insuring, and the amount of insurance you want, then wait for your quotes.
Some sites even offer an "Articles" section where you can get tips on how to save money on your insurance, and a chat feature where you can get answers to any insurance question you may have from an insurance expert. (See link below.)
Money Saving Tips
Here are the five best ways to save even more money on your car insurance:
Raise your deductible - Your deductible is the amount you're required to pay on a claim before your insurance company will pay. By raising your deductible from $250 to $1,000 you can save anywhere from 15% to 50% on your yearly premium. Just be sure you can afford to pay the deductible.
Consolidate your car insurance - If you have two cars, you can save 10% to 15% with most insurance companies by purchasing both policies through them.
Consolidate your policies - By purchasing your homeowners or renters insurance and your auto insurance through the same insurance company you can save 10% to 15% on your premium.
Drop you collision and comprehensive coverage - If you drive an older car, especially if it's worth less than the cost of your insurance plus your deductible, consider dropping your collision and comprehensive coverage.
Ask for discounts - Insurance companies give discounts for any number of reasons. Before you purchase your car insurance ask your insurer about any discounts your may qualify for and take advantage of all of them.
LowerRateQuotes.com
http://insurance-care.blogspot.com/2007/08/free-car-insurance-quotes-get-best-rate.html
Looking for free car insurance quotes? Want to get the best price possible on your car insurance? Here's how ...
Free Car Insurance Quotes
As you probably know, the best way to save money on your car insurance is to compare quotes from different companies. You can save hundreds, even thousands of dollars a year by simply comparing quotes and purchasing the cheapest policy.
There are a number of ways you can get free car insurance quotes: You can spend a few hours calling local insurance companies. You can a few hours going from one single-company insurance site to another. Or you can spend a few minutes at an insurance comparison website where you'll get quotes from a number of companies in a matter of minutes.
All you have to do to get your free car insurance quotes is fill out a simple form with your driving history, the type of car you're insuring, and the amount of insurance you want, then wait for your quotes.
Some sites even offer an "Articles" section where you can get tips on how to save money on your insurance, and a chat feature where you can get answers to any insurance question you may have from an insurance expert. (See link below.)
Money Saving Tips
Here are the five best ways to save even more money on your car insurance:
Raise your deductible - Your deductible is the amount you're required to pay on a claim before your insurance company will pay. By raising your deductible from $250 to $1,000 you can save anywhere from 15% to 50% on your yearly premium. Just be sure you can afford to pay the deductible.
Consolidate your car insurance - If you have two cars, you can save 10% to 15% with most insurance companies by purchasing both policies through them.
Consolidate your policies - By purchasing your homeowners or renters insurance and your auto insurance through the same insurance company you can save 10% to 15% on your premium.
Drop you collision and comprehensive coverage - If you drive an older car, especially if it's worth less than the cost of your insurance plus your deductible, consider dropping your collision and comprehensive coverage.
Ask for discounts - Insurance companies give discounts for any number of reasons. Before you purchase your car insurance ask your insurer about any discounts your may qualify for and take advantage of all of them.
LowerRateQuotes.com
http://insurance-care.blogspot.com/2007/08/free-car-insurance-quotes-get-best-rate.html
8/08/2007
Car insurance - how low can you go?
by Chris Rowlands
It is important to remember when looking for a renewal on your policy that you will be assessed on how much of a risk you appear be to the insurer. With this in mind answer any questions carefully, ensuring you don't guess at any answers as this could inadvertently bump up your premium price.
There are several options for you to choose from when beginning your search for a policy so low it's practically doing the limbo.
You can follow the traditional method of searching through your local telephone book, search for companies on the internet and then follow a quote by quote procedure until you find a suitable policy at a cheap price. The other option now available and fast becoming ever prevalent is the comparison site. Use of these sites will allow you to receive quotes from a variety of companies by entering your details once. The work is done by the search engine at the comparison site which applies for quotes on several sites on your behalf. After a very short time your results are returned and usually put into price order for easy viewing. It is important to remember when utilising this type of website that you should never go for simply the cheapest policy as this may not always provide the cover you require. Check the level of cover offered with the policy and if it is adequate and happens to be the cheapest policy then all the better.
So what can you do to increase that premium? Here are some suggestions:
1: When entering information for a quote, ensure you are accurate, for example giving a more precise mileage can shrink your premium price noticeably. If you state you expect to travel 15,000 miles instead of 10,000 you are increasing your level of risk by 50% as you will be on the road for 5,000 miles extra. Utilising M.O.T documents (if you have them) will allow you guess at a pretty accurate mileage as long as your circumstances have not changed.
2: Be careful when entering your job title, of course if you are retired there is little you can do here and believe me we're all jealous. On a serious note however; the way you describe your job title can impact hugely on your car insurance quote. For example, describing yourself as a journalist instead of selecting reporter can save £90 on the average policy. This follows a similar theme with most job descriptions, so as you can imagine it may be worth quoting a couple of times with different job titles (as long as accurate; straying too far from the truth could result in voiding of policy at a later date).
3: Always review the excess you will be expected to "stump up" on a prospective policy in the event of a claim. This can vary drastically from one insurer to another. Offering a higher voluntary excess can save money on your premium price but will mean having to find a bigger lump sum in the event of an accident or claim. Believe me; trying to produce £500 out of thin air can be fun at times.
4: Where you keep you car overnight can play its part in your premium price too. If you can ensure your car us garaged overnight instead of left on the street you will save money on your car insurance policy. Again you must be honest here, as in the event of your vehicle being stolen this will be an area that is investigated. Of course suggesting you have a garage when you don't is not a good idea and trying to produce evidence of this "garage" to the police when filing a crime report could prove to be interesting.
5: My last few tips concern the features that are offered with a prospective policy. You may be inadvertently paying for a feature you do not require, such as legal protection or personal injury. Most insurers will allow you to remove these from the policy making it cheaper. Think about this carefully before doing so, as you may find a need for these features at a later date (especially if you're the suing type; just a joke of course). Along with your general excess you will find extra's such as windscreen excess or young drivers excess, checking these before you commit to purchasing a policy could save you money in the long run.
Finally, if you can find an insurance company who will combine car insurance along with perhaps house insurance or similar you may save a large amount of money. This is worth looking into as packaging policies ultimately makes things cheaper and easier to manage.
goarticles.com
It is important to remember when looking for a renewal on your policy that you will be assessed on how much of a risk you appear be to the insurer. With this in mind answer any questions carefully, ensuring you don't guess at any answers as this could inadvertently bump up your premium price.
There are several options for you to choose from when beginning your search for a policy so low it's practically doing the limbo.
You can follow the traditional method of searching through your local telephone book, search for companies on the internet and then follow a quote by quote procedure until you find a suitable policy at a cheap price. The other option now available and fast becoming ever prevalent is the comparison site. Use of these sites will allow you to receive quotes from a variety of companies by entering your details once. The work is done by the search engine at the comparison site which applies for quotes on several sites on your behalf. After a very short time your results are returned and usually put into price order for easy viewing. It is important to remember when utilising this type of website that you should never go for simply the cheapest policy as this may not always provide the cover you require. Check the level of cover offered with the policy and if it is adequate and happens to be the cheapest policy then all the better.
So what can you do to increase that premium? Here are some suggestions:
1: When entering information for a quote, ensure you are accurate, for example giving a more precise mileage can shrink your premium price noticeably. If you state you expect to travel 15,000 miles instead of 10,000 you are increasing your level of risk by 50% as you will be on the road for 5,000 miles extra. Utilising M.O.T documents (if you have them) will allow you guess at a pretty accurate mileage as long as your circumstances have not changed.
2: Be careful when entering your job title, of course if you are retired there is little you can do here and believe me we're all jealous. On a serious note however; the way you describe your job title can impact hugely on your car insurance quote. For example, describing yourself as a journalist instead of selecting reporter can save £90 on the average policy. This follows a similar theme with most job descriptions, so as you can imagine it may be worth quoting a couple of times with different job titles (as long as accurate; straying too far from the truth could result in voiding of policy at a later date).
3: Always review the excess you will be expected to "stump up" on a prospective policy in the event of a claim. This can vary drastically from one insurer to another. Offering a higher voluntary excess can save money on your premium price but will mean having to find a bigger lump sum in the event of an accident or claim. Believe me; trying to produce £500 out of thin air can be fun at times.
4: Where you keep you car overnight can play its part in your premium price too. If you can ensure your car us garaged overnight instead of left on the street you will save money on your car insurance policy. Again you must be honest here, as in the event of your vehicle being stolen this will be an area that is investigated. Of course suggesting you have a garage when you don't is not a good idea and trying to produce evidence of this "garage" to the police when filing a crime report could prove to be interesting.
5: My last few tips concern the features that are offered with a prospective policy. You may be inadvertently paying for a feature you do not require, such as legal protection or personal injury. Most insurers will allow you to remove these from the policy making it cheaper. Think about this carefully before doing so, as you may find a need for these features at a later date (especially if you're the suing type; just a joke of course). Along with your general excess you will find extra's such as windscreen excess or young drivers excess, checking these before you commit to purchasing a policy could save you money in the long run.
Finally, if you can find an insurance company who will combine car insurance along with perhaps house insurance or similar you may save a large amount of money. This is worth looking into as packaging policies ultimately makes things cheaper and easier to manage.
goarticles.com
8/07/2007
Cheap Car Insurance : Know First The Types Of Insurance Available
by Allan Elvin
As insurance today is becoming one of the most popular thing to avail for people around the world, the rush of hundreds of insurance companies are natural. That is why people willing to buy an insurance are often confused when it comes to deciding about which insurance will be suitable for him. Car insurance among all the insurance types is one of the most availed insurance in UK, as it is mandatory for people to have an insurance for their car. As most of the car owners would be looking for cheap car insurance, the article includes information about the types of car insurance knowing which will be helpful in giving you a good insurance deal.
Basically there are three types of car insurance - third party, third party, fire and theft, and comprehensive insurance. All three types are designed to meet diverse insurance requirements of car owners, they are easily available. And to avail a Cheap Car Insurance, it is important that the best type of insurance is availed. Third party insurance of car insures the car of a third party which you are driving, and get damaged. The insurance will not cover your own car, but the car of third party which you are driving. While third party, fir and theft insurance will not only cover your own car, but also cars of third party. It will compensate you for all the damages caused by fire and theft.
On the other hand, comprehensive insurance is more broad and covers almost all kind of damages, be it accident, theft or any damage caught by fire. Thus before one is prepared to buy a cheap car insurance, it is important that he is well aware of all the options available in the market. Knowing it may help him positively in getting an insurance at cheap price.
look4insurances.co.uk
As insurance today is becoming one of the most popular thing to avail for people around the world, the rush of hundreds of insurance companies are natural. That is why people willing to buy an insurance are often confused when it comes to deciding about which insurance will be suitable for him. Car insurance among all the insurance types is one of the most availed insurance in UK, as it is mandatory for people to have an insurance for their car. As most of the car owners would be looking for cheap car insurance, the article includes information about the types of car insurance knowing which will be helpful in giving you a good insurance deal.
Basically there are three types of car insurance - third party, third party, fire and theft, and comprehensive insurance. All three types are designed to meet diverse insurance requirements of car owners, they are easily available. And to avail a Cheap Car Insurance, it is important that the best type of insurance is availed. Third party insurance of car insures the car of a third party which you are driving, and get damaged. The insurance will not cover your own car, but the car of third party which you are driving. While third party, fir and theft insurance will not only cover your own car, but also cars of third party. It will compensate you for all the damages caused by fire and theft.
On the other hand, comprehensive insurance is more broad and covers almost all kind of damages, be it accident, theft or any damage caught by fire. Thus before one is prepared to buy a cheap car insurance, it is important that he is well aware of all the options available in the market. Knowing it may help him positively in getting an insurance at cheap price.
look4insurances.co.uk
8/06/2007
4 Smart Ways-Buying Insurance Online
by Kaushik Adhikary
Selecting an appropriate insurance which can fulfilled your specific needs,choosing a proper insurance company,finding a trust-worthy agent,all are some sort of difficult task and steals away your valuable time.But do you know that online shopping saves you tons of time? I'll tell you why it is more advantageous with some precautions to be taken.
1.You can visit websites of different insurance companies instantly,get quotes from them, compare quoted rates with others and shop from the comfort of your home.
2.Doing comparison,quoting of rates for cheap auto insurance,health insurance,travel accident insurance,life insurance etc. and subsequent shopping are fast.
3.There is no waiting period to get the policy.Some companies issue certain policies online instantly.
4.Often,insurance companies offer special prices online(discounts in premium,freebies etc.) and you can find right policy from the wide range of products available online.
But before purchasing online,you have to check and to make sure that you are in right place:
1.You have to take precautions before shopping online as to the authenticity of the company or site of your choice before applying.
2.Contact the customer care service desk and check-in.Talk to them personally before giving out your financial data like credit card info as there are many fake companies online.
3.Always make payment preferably by check or otherwise credit card so that you'll get some records of your payment.But never make payment by cash.One important thing you should remember before shopping online is that you always check the site's security verification certificate from http://www.VeriSign.com' or at least see whether it starts with https://www.insurance company's name.com in the order form.But never ever purchase when you see http://www.--.com
4.You can check the authenticity of the online insurance company from the following site http://www.search.bbb.org
5.If you go for online shopping,its better to take the help of an experienced friend or person.Read the terms,conditions,exceptions,deductibles & everything they offer carefully
http://insurance-care.blogspot.com/2007/08/4-smart-ways-buying-insurance-online.html
Selecting an appropriate insurance which can fulfilled your specific needs,choosing a proper insurance company,finding a trust-worthy agent,all are some sort of difficult task and steals away your valuable time.But do you know that online shopping saves you tons of time? I'll tell you why it is more advantageous with some precautions to be taken.
1.You can visit websites of different insurance companies instantly,get quotes from them, compare quoted rates with others and shop from the comfort of your home.
2.Doing comparison,quoting of rates for cheap auto insurance,health insurance,travel accident insurance,life insurance etc. and subsequent shopping are fast.
3.There is no waiting period to get the policy.Some companies issue certain policies online instantly.
4.Often,insurance companies offer special prices online(discounts in premium,freebies etc.) and you can find right policy from the wide range of products available online.
But before purchasing online,you have to check and to make sure that you are in right place:
1.You have to take precautions before shopping online as to the authenticity of the company or site of your choice before applying.
2.Contact the customer care service desk and check-in.Talk to them personally before giving out your financial data like credit card info as there are many fake companies online.
3.Always make payment preferably by check or otherwise credit card so that you'll get some records of your payment.But never make payment by cash.One important thing you should remember before shopping online is that you always check the site's security verification certificate from http://www.VeriSign.com' or at least see whether it starts with https://www.insurance company's name.com in the order form.But never ever purchase when you see http://www.--.com
4.You can check the authenticity of the online insurance company from the following site http://www.search.bbb.org
5.If you go for online shopping,its better to take the help of an experienced friend or person.Read the terms,conditions,exceptions,deductibles & everything they offer carefully
http://insurance-care.blogspot.com/2007/08/4-smart-ways-buying-insurance-online.html
8/05/2007
Online Auto Insurance Quotes - The Guide
by Online Auto Insurance
Obtaining online auto insurance quotes can be easy; however, obtaining online auto insurance quotes from the right companies, does takes some homework. You should be looking out for a few factors.
Make sure that when obtaining online auto insurance quotes, you keep quality in mind. It is important to not only look for cheap auto insurance quotes, but look for quality online auto insurance companies.
Looking up the history of online auto insurance companies can be easy if you know where to look; however, most consumers will just read an insurance company's website to read about their background. That is definitely not the best way to research a company because any company can write their own content to make it sound good.
There are multiple companies that specialize in issuing reports on auto insurance companies. Each company is assigned a letter grade from "A++" being the best and so forth. In the most part, consumers will be satisfied buying car insurance online from companies with an issued rating of "A" to "B" which is "good" to "great".
Log onto the A M Best site to research auto insurance company ratings at www.AMBEST.com. You do have to create an account to look up a company's rating, which is fairly simple. Once you create your account, click on "rating and analysis" and input the company's name.
Make sure you're inputting an insurance company's name and not the website name or the brokerage's name. The rating grade is given to auto insurance companies only and not to brokerages or anyone in between.
Now you should be more prepared when searching for the right company, you are now set to start obtaining online auto insurance quotes. Obtaining auto insurance online can be beneficial as long as you can make sure to look into the background and history of the website you're getting quotes from. It is crucial to be sure that the auto insurance company you are buying from holds a worthy service record.
Buying auto insurance online gives you the benefits of being able to manage your auto insurance policy from the comfort of your computer. If you're obtaining online auto insurance quotes instead of calling around, you're also saving time because some companies offer multiple quotes with one simple process.
A great practice is to call the customer service phone numbers of a particular company to find out the waiting hold time. If it takes you an hour to get a hold of a representative, when you're in need of service, you have an idea of the time it takes to be assisted with your auto insurance needs.
Take advantage of obtaining online auto insurance quotes and buying auto insurance online but do keep in mind that you should research the website in order to ensure quality and the customer service you deserve.
http://insurance-care.blogspot.com/2007/08/online-auto-insurance-quotes-guide.html
Obtaining online auto insurance quotes can be easy; however, obtaining online auto insurance quotes from the right companies, does takes some homework. You should be looking out for a few factors.
Make sure that when obtaining online auto insurance quotes, you keep quality in mind. It is important to not only look for cheap auto insurance quotes, but look for quality online auto insurance companies.
Looking up the history of online auto insurance companies can be easy if you know where to look; however, most consumers will just read an insurance company's website to read about their background. That is definitely not the best way to research a company because any company can write their own content to make it sound good.
There are multiple companies that specialize in issuing reports on auto insurance companies. Each company is assigned a letter grade from "A++" being the best and so forth. In the most part, consumers will be satisfied buying car insurance online from companies with an issued rating of "A" to "B" which is "good" to "great".
Log onto the A M Best site to research auto insurance company ratings at www.AMBEST.com. You do have to create an account to look up a company's rating, which is fairly simple. Once you create your account, click on "rating and analysis" and input the company's name.
Make sure you're inputting an insurance company's name and not the website name or the brokerage's name. The rating grade is given to auto insurance companies only and not to brokerages or anyone in between.
Now you should be more prepared when searching for the right company, you are now set to start obtaining online auto insurance quotes. Obtaining auto insurance online can be beneficial as long as you can make sure to look into the background and history of the website you're getting quotes from. It is crucial to be sure that the auto insurance company you are buying from holds a worthy service record.
Buying auto insurance online gives you the benefits of being able to manage your auto insurance policy from the comfort of your computer. If you're obtaining online auto insurance quotes instead of calling around, you're also saving time because some companies offer multiple quotes with one simple process.
A great practice is to call the customer service phone numbers of a particular company to find out the waiting hold time. If it takes you an hour to get a hold of a representative, when you're in need of service, you have an idea of the time it takes to be assisted with your auto insurance needs.
Take advantage of obtaining online auto insurance quotes and buying auto insurance online but do keep in mind that you should research the website in order to ensure quality and the customer service you deserve.
http://insurance-care.blogspot.com/2007/08/online-auto-insurance-quotes-guide.html
How To Lower Your Car Insurance Costs
by Nate Coker
How To Lower Your Car Insurance Costs
When it comes to car insurance the main thing most people are concerned about is the cost. Just how do you keep the cost down?
There are several things to keep in mind as you shop rates, one being don't let price alone be the deciding factor. Make sure you have the coverage you need first and foremost and then shop for the best price.
When you are deciding on a car, check to see what it will cost to insure it. Some models will cost a lot more than others. This may help you decide which car it will be for you.
Keep your driving record clean. This will make a difference.
Try to insure more than one car with the same company to get a quantity discount. You may want to have some of your other insurance like homeowners there as well.
Keep your credit good. They do look at your credit record.
How much do you drive each week? A low mileage discount may apply. Ask.
If you drive an older model car you may want to decrease the coverage on it saving money on your premium.
Have you taken or can you take a driver training course? Insurance companies will reward you for that.
And do you have alarms or other anti-theft devices on your vehicle? If so, it may get you a better rate.
You might raise your deductible, the part you have to pay out of your pocket in case of a claim.
And if you are a college student you may qualify for a discount. Never fail to ask what discounts are offered. You may be pleasantly surprised at how much it lowers your premiums. Happy motoring!
http://insurance-care.blogspot.com/2007/08/how-to-lower-your-car-insurance-costs.html
How To Lower Your Car Insurance Costs
When it comes to car insurance the main thing most people are concerned about is the cost. Just how do you keep the cost down?
There are several things to keep in mind as you shop rates, one being don't let price alone be the deciding factor. Make sure you have the coverage you need first and foremost and then shop for the best price.
When you are deciding on a car, check to see what it will cost to insure it. Some models will cost a lot more than others. This may help you decide which car it will be for you.
Keep your driving record clean. This will make a difference.
Try to insure more than one car with the same company to get a quantity discount. You may want to have some of your other insurance like homeowners there as well.
Keep your credit good. They do look at your credit record.
How much do you drive each week? A low mileage discount may apply. Ask.
If you drive an older model car you may want to decrease the coverage on it saving money on your premium.
Have you taken or can you take a driver training course? Insurance companies will reward you for that.
And do you have alarms or other anti-theft devices on your vehicle? If so, it may get you a better rate.
You might raise your deductible, the part you have to pay out of your pocket in case of a claim.
And if you are a college student you may qualify for a discount. Never fail to ask what discounts are offered. You may be pleasantly surprised at how much it lowers your premiums. Happy motoring!
http://insurance-care.blogspot.com/2007/08/how-to-lower-your-car-insurance-costs.html
8/04/2007
Auto-Car Insurance-How To Choose With Cheap Quote
by Kaushik Adhikary
You may aware that in most parts of the world and in most states too, driving a car is illegal without proper insurance. So, you must have an automobile insurance if you are a car owner. Over the years I've often been experiencing that automobile owners used to regret of not choosing a proper auto insurance.Choosing a right kind of car insurance may not be any driver's first priority, the first one logically being the safety of their car.Car owners often pay the price after an accident wiped the peace and tranquility out of their life.
Car or auto insurance is a contract between you and your insurance company where you agree to pay the premium, while the insurance company agrees to reimburse your loss under terms and conditions against property, liability and medical coverages as stated in your insurance policy. Property coverage pays for damage to and/or theft of the car. Liability coverage pays for policy-holder's legal responsibility to others for bodily injury or property damage. Medical coverage pays for cost treating, rehabilitation and sometimes lost wages and funeral expenses. The insurance policy provides different kinds of inbuilt and additional coverages. So, you have to choose a right kind of policy after researching a little bit, using online auto insurance quotes of different car insurance companies which serves you the best according to your needs.
Bodily Injury Liability coverage is applicable where injuries are caused to someone in a road accident by the policyholder or his family members listed on the policy. If you are involved in a serious accident and are sued for a large sums of money, you will have to choose good liability insurance for your protection.
Medical Payments or Personal Injury Protection(PIP) coverage pays for injuries to the policyholder and occupants inside the car in an accident. PIP can cover medical payments, lost wages and cost of replacing services normally performed by someone injured in an auto accident. It may include funeral cost, if any.
Property Damage Liability pays for damage you can cause to another car. It can also include damage to other objects of property your car might hit, for instance fences, telephone booths, lamp posts, building or other structures.
Collision Coverages pays for damage to the policyholder's car, called it own damage, which resulted from a collision with another car, object etc. It should be noted that due to certain operative clauses, even if you are to blame for or at fault for the collision, the costs of repairing of your car will be reimbursed to you by insurance company. But the deductible has to born by the policy-holder which generally ranges from $250-$1000 in U.S. Comprehensive Coverage will pay you for the loss (other than collision with another car) due to damage by fire, explosion, falling objects, missiles, earthquake, windstorm, hail , flood , vandalism and riots, contact with animals, theft etc. In other words, comprehensive coverage assure reimbursement for damages caused by forces other than another car or object.
Uninsured and Under-insured Motorist Coverage reimburses you in case you are hit by an uninsured or hit-and-run driver and will also be helpful if you are hit as a pedestrian.
lowerratequotes.com
You may aware that in most parts of the world and in most states too, driving a car is illegal without proper insurance. So, you must have an automobile insurance if you are a car owner. Over the years I've often been experiencing that automobile owners used to regret of not choosing a proper auto insurance.Choosing a right kind of car insurance may not be any driver's first priority, the first one logically being the safety of their car.Car owners often pay the price after an accident wiped the peace and tranquility out of their life.
Car or auto insurance is a contract between you and your insurance company where you agree to pay the premium, while the insurance company agrees to reimburse your loss under terms and conditions against property, liability and medical coverages as stated in your insurance policy. Property coverage pays for damage to and/or theft of the car. Liability coverage pays for policy-holder's legal responsibility to others for bodily injury or property damage. Medical coverage pays for cost treating, rehabilitation and sometimes lost wages and funeral expenses. The insurance policy provides different kinds of inbuilt and additional coverages. So, you have to choose a right kind of policy after researching a little bit, using online auto insurance quotes of different car insurance companies which serves you the best according to your needs.
Bodily Injury Liability coverage is applicable where injuries are caused to someone in a road accident by the policyholder or his family members listed on the policy. If you are involved in a serious accident and are sued for a large sums of money, you will have to choose good liability insurance for your protection.
Medical Payments or Personal Injury Protection(PIP) coverage pays for injuries to the policyholder and occupants inside the car in an accident. PIP can cover medical payments, lost wages and cost of replacing services normally performed by someone injured in an auto accident. It may include funeral cost, if any.
Property Damage Liability pays for damage you can cause to another car. It can also include damage to other objects of property your car might hit, for instance fences, telephone booths, lamp posts, building or other structures.
Collision Coverages pays for damage to the policyholder's car, called it own damage, which resulted from a collision with another car, object etc. It should be noted that due to certain operative clauses, even if you are to blame for or at fault for the collision, the costs of repairing of your car will be reimbursed to you by insurance company. But the deductible has to born by the policy-holder which generally ranges from $250-$1000 in U.S. Comprehensive Coverage will pay you for the loss (other than collision with another car) due to damage by fire, explosion, falling objects, missiles, earthquake, windstorm, hail , flood , vandalism and riots, contact with animals, theft etc. In other words, comprehensive coverage assure reimbursement for damages caused by forces other than another car or object.
Uninsured and Under-insured Motorist Coverage reimburses you in case you are hit by an uninsured or hit-and-run driver and will also be helpful if you are hit as a pedestrian.
lowerratequotes.com
8/03/2007
Bad Credit Auto Insurance - How to Get the Best Rate
by Brian Stevens
Having bad credit doesn't make you a bad driver, but it will raise your auto insurance rates. Here's how to get a cheap rate on bad credit auto insurance.
Bad Credit Auto Insurance
As strange as it may sound, your credit rating directly affects your auto insurance rating with some companies. Auto insurance companies have figured out that people with bad credit file 40% more claims than people with good credit.
If you have bad credit your insurance could cost you 20% to 50% more in insurance premiums than someone with good credit.
The good news is not all insurance companies use your credit rating as a factor in determining your insurance rating, and some states won't allow insurance companies to use it. So if you've been labeled as a bad credit risk, or suspect you may be, you should shop around for auto insurance with other companies.
There are websites where you can get auto insurance rates from a number of A-rated companies, and also get advice from insurance professionals, absoluelty free of charge. All you do is fill out a simple questionnaire about the type of car you own and the type of insurance you want, wait for your quotes, then choose the best one. (See link below.)
Lowering Your Auto Insurance Rate
In addition to comparison shopping, here are some other ways to lower your insurance rate:
Raise your deductible - Raising your deductible can save you hundreds of dollars a year on your insurance premium. After a while the money you save on your insurance premium will more than make up for your deductible.
Drop your collision and comprehensive coverage - If you drive an older car - particularly if your car is worth less than the total of your insurance premium plus your deductible - consider dropping your collision and comprehensive coverage as repairs may cost more than your car is worth.
Consolidate your insurance policies - Purchasing your homeowners insurance (or renters insurance) and auto insurance through the same company can get you a 5% to 15% discount on your premium.
Get all the discounts you can - Insurance companies offer discounts on their policies for all sorts of reasons. Ask your agent about all the discounts you're eligible for and take advantage of them.
goarticles
Having bad credit doesn't make you a bad driver, but it will raise your auto insurance rates. Here's how to get a cheap rate on bad credit auto insurance.
Bad Credit Auto Insurance
As strange as it may sound, your credit rating directly affects your auto insurance rating with some companies. Auto insurance companies have figured out that people with bad credit file 40% more claims than people with good credit.
If you have bad credit your insurance could cost you 20% to 50% more in insurance premiums than someone with good credit.
The good news is not all insurance companies use your credit rating as a factor in determining your insurance rating, and some states won't allow insurance companies to use it. So if you've been labeled as a bad credit risk, or suspect you may be, you should shop around for auto insurance with other companies.
There are websites where you can get auto insurance rates from a number of A-rated companies, and also get advice from insurance professionals, absoluelty free of charge. All you do is fill out a simple questionnaire about the type of car you own and the type of insurance you want, wait for your quotes, then choose the best one. (See link below.)
Lowering Your Auto Insurance Rate
In addition to comparison shopping, here are some other ways to lower your insurance rate:
Raise your deductible - Raising your deductible can save you hundreds of dollars a year on your insurance premium. After a while the money you save on your insurance premium will more than make up for your deductible.
Drop your collision and comprehensive coverage - If you drive an older car - particularly if your car is worth less than the total of your insurance premium plus your deductible - consider dropping your collision and comprehensive coverage as repairs may cost more than your car is worth.
Consolidate your insurance policies - Purchasing your homeowners insurance (or renters insurance) and auto insurance through the same company can get you a 5% to 15% discount on your premium.
Get all the discounts you can - Insurance companies offer discounts on their policies for all sorts of reasons. Ask your agent about all the discounts you're eligible for and take advantage of them.
goarticles
8/01/2007
What Type of Car Insurance Should I Have?
by Brian Stevens
"What type of car insurance should I have?" is a common question. Here's a brief outline of what you should have and how to get it at the best rate possible.
What Type of Car Insurance Should I Have?
Most states require you to have a minimum amount of liability insurance, which includes:
* Bodily injury liability coverage which pays your legal fees and claims made against you when you, a family member, or someone driving your car with your permission, injures or kills other people.
* Property damage liability coverage which pays your legal fees and claims made against you when you, a family member, or someone driving your car with your permission, damages someone else's property.
A few states also require you to have uninsured motorist coverage which pays for medical fees and property damage expenses for you, your family, and your passengers when you're hit by an uninsured, underinsured, or hit-and-run driver.
These two types of insurance are all you're required to carry. However, if you're in one of the categories below you should consider purchasing the following coverages:
If you drive a late model car - you should carry collision and comprehensive coverage. Collision coverage pays to repair your car when you're involved in an accident no matter who was at fault, and comprehensive coverage pays to repair your car when it's been damaged by fire, vandalism, theft, or acts of nature.
To save money on collision and comprehensive coverage, get the highest deductible that you can afford to pay. Raising your deductible from $250 to $1,000 can save you up to 50% on your insurance premium.
You may also want to purchase personal injury protection coverage which pays medical expenses for you and your passengers when you're involved in an accident. It also pays medical expenses for you and your family when you're injured in someone else's car or when you're walking or riding a bicycle.
If you drive and older car - consider dropping your collision and comprehensive coverage altogether, especially if your car is worth less than the cost of your insurance plus your deductible.
If you have more than one car - insure both cars with the same company. Doing this can save you 5% to 15% on your yearly premium.
If you're shopping for a car - buy a safe, low maintenance, low profile car, like a Honda Accord or Toyota Camry, to save big bucks on your auto insurance. Cars that cost a lot to repair or that are favorites of thieves cost a lot more to insure.
If you're a teenager or a student - keep your grades up, take a driver's education course, and keep a clean driving record to keep your rates low.
Comparison Shop to Get the Best Car Insurance Rate
Comparing rates from different companies is by far the best way to get the best rate on your car insurance.
LowerRateQuotes.com
"What type of car insurance should I have?" is a common question. Here's a brief outline of what you should have and how to get it at the best rate possible.
What Type of Car Insurance Should I Have?
Most states require you to have a minimum amount of liability insurance, which includes:
* Bodily injury liability coverage which pays your legal fees and claims made against you when you, a family member, or someone driving your car with your permission, injures or kills other people.
* Property damage liability coverage which pays your legal fees and claims made against you when you, a family member, or someone driving your car with your permission, damages someone else's property.
A few states also require you to have uninsured motorist coverage which pays for medical fees and property damage expenses for you, your family, and your passengers when you're hit by an uninsured, underinsured, or hit-and-run driver.
These two types of insurance are all you're required to carry. However, if you're in one of the categories below you should consider purchasing the following coverages:
If you drive a late model car - you should carry collision and comprehensive coverage. Collision coverage pays to repair your car when you're involved in an accident no matter who was at fault, and comprehensive coverage pays to repair your car when it's been damaged by fire, vandalism, theft, or acts of nature.
To save money on collision and comprehensive coverage, get the highest deductible that you can afford to pay. Raising your deductible from $250 to $1,000 can save you up to 50% on your insurance premium.
You may also want to purchase personal injury protection coverage which pays medical expenses for you and your passengers when you're involved in an accident. It also pays medical expenses for you and your family when you're injured in someone else's car or when you're walking or riding a bicycle.
If you drive and older car - consider dropping your collision and comprehensive coverage altogether, especially if your car is worth less than the cost of your insurance plus your deductible.
If you have more than one car - insure both cars with the same company. Doing this can save you 5% to 15% on your yearly premium.
If you're shopping for a car - buy a safe, low maintenance, low profile car, like a Honda Accord or Toyota Camry, to save big bucks on your auto insurance. Cars that cost a lot to repair or that are favorites of thieves cost a lot more to insure.
If you're a teenager or a student - keep your grades up, take a driver's education course, and keep a clean driving record to keep your rates low.
Comparison Shop to Get the Best Car Insurance Rate
Comparing rates from different companies is by far the best way to get the best rate on your car insurance.
LowerRateQuotes.com
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